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Group
Health Insurance Coverage
When choosing the appropriate health care plan for your
business or company many things need to be considered. There
are many flexible group health insurance coverage plans for North Carolina employees
of small, medium and large businesses. No group is too small
or too large.
There are several health and medical care options available
for group health insurance coverage.
The most popular plan, the Blue Options plan, is the
Preferred Provider Organization (PPO) plan. The Blue Options
network of doctors, specialists and hospitals is the largest
network in North Carolina. Under the PPO plan you can go to
in-network specialists without a referral or decide to see a
doctor out of the network. As part of the group health
insurance coverage plan,
prescriptions are also covered. The co-payments on all
prescriptions and office visits are also reasonable. The
best perk of this plan is the freedom to see any doctor you
wish, without having to worry about insurance and filing
paperwork. The PPO plan has the best benefit plans and least
restrictive doctor visits.
The Blue Care option, is part of the Health Management
Organization (HMO) plan. The Blue Care option offers members
direct access to the best doctors and specialists. With a
large network, and preventative health and prescription
benefits members are taken care of. The HMO plan has lower
co-payments but a few more restrictions with regard to
doctor visits and such.
The Classic Blue Comprehensive Major Medical (CMM) option
gives group health insurance coverage members traditional coverage with a lot of flexibility
in who you see for your health care.
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Designed for companies
with up to 50 employees
With Group Coverage, employers can choose from more than 1,000
benefit combinations and make choices based on their particular
needs and budget. Employers can customize one of the following
plans:
- Blue Care® HMO –
An HMO plan offering direct access to a large network of
providers and specialists. Covers worldwide urgent and emergency
room services.1 Includes in-network benefits only.
- Blue OptionsSM
PPO – A preferred provider organization (PPO) with the largest
network of doctors and specialists in the state. Members have
the freedom to choose in- or out-of-network care and are covered
across the country and in more than 200 countries and
territories worldwide.1
- HSA – Pairs a
high-deductible Blue Options plan with a health savings account
(HSA) and offers lower premiums than traditional plans. Both
employers and employees can make tax-free contributions to the
HSA. Members use HSA funds to pay out-of-pocket health care
expenses and enjoy negotiated provider rates, even before
meeting their deductible.
The Blue Options and
Blue Care provider networks include many of the best doctors,
hospitals and specialists in North Carolina. The networks are large
and the copayments or coinsurance are predictable.2 In-network
doctors handle all the administrative details and file claims
automatically. There’s not messy paperwork.
Group Coverage plans offer members a variety of preventive care
services, including annual physical exams, Ob/Gyn visits, mammograms
and prostate screenings, standard immunizations and annual eye
exams.
As Blue Cross and Blue Shield members, employees covered by Group
Coverage also have access to a variety of resources and programs
designed to maximize their health care experience. Resources include
the Member Health PartnershipsSM1, programs that help members manage
health conditions like asthma and diabetes, and Blue ExtrasSM, free
value-added programs that provide members discounts on everything
from vitamins to gym memberships.3
® mark, SM marks of the Blue
Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue
Shield of North Carolina. 1 Blue Cross and Blue Shield Association
Internal Data, 2003. 2 Some services and supplies received by
members in an office setting or in connection with an office visit
are in fact outpatient hospital-based services provided by
hospital-owned or operated practices. These services and supplies
may be subject to your deductible and coinsurance. 3 Blue Cross and
Blue Shield of North Carolina reserves the right to discontinue or
change these program at any time. All plans may not be eligible for
these programs. |
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If you have any
questions or would like more information, please contact us
888-857-4882,
email
us, or use our online request form. |
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