Group Coverage
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 Options(SM) 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(SM) 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(SM) and Blue Care (SM) 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 of North Carolina® 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 Partnerships^SM1, programs that help members manage health conditions like asthma and diabetes, and Blue Extras(SM), free value-added programs that provide members discounts on everything from vitamins to gym memberships.³

Group Plans are designed to meet the specific needs of your organization. For a consultation on your company's health care coverage needs, contact Harrell Insurance & Financial Services, Inc. today.

®mark, SM marks of the Blue Cross and Blue Shield of North Carolina Association®. SM1 mark of Blue Cross and Blue Shield of North Carolina®. ¹ 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. ² Referrals may be needed for certain mental health and substance abuse services. ³ Blue Advantage® Plan B requires a $200 prescription drug deductible.

Need More Information?
Contact Harrell Insurance & Financial Services, Inc.
3489 S. Evans St.
Greenville, NC 27834
PH 252-355-8855
FAX 252-353-2757
Email david@harrellfinancialsrv.com