|
CARRIERS
Aetna - Large provider network. Allows employers to offer more than one plan to employees. Dual Option available to groups with 10 or more employees. Triple Option available to groups with 15 or more employees (one of the three must be a Health Savings Account Plan). Integrated savings account for the High Deductible Health Plans (HSA's).
Blue Cross
and Blue Shield Of North Carolina (R) - Competitive
rates, large provider network throughout the State, offers large selection
of PPO, HMO and Health Savings Accounts Plans. Integrated savings
account with Mellon Bank for High Deductible Health Plans (Blue Options HSA (SM)) Blue Cross and Blue Shield of North Carolina products can be sold only to those residing in North Carolina..
Insurers
Administrative Corporation (IAC) - Large statewide provider network through MedCost. Very
competitive in the Consumer Driven Health Market (Health Savings
Accounts and Health Reimbursement Accounts). Offers employee
choice in the small group market. Employer selects up to three
plans - traditional copay plans or Health Savings Accounts plans
and the employee chooses the plan that best fits his budget
and medical needs. Integrated savings account with Bancorp through
American Health Value for High Deductible Health Plans (HSA's).
United
Healthcare - Strong
network and competitve rates. Offers integrated Health Reimbursement
Accounts to any size group. Large selection of PPO, HMO and
Health Savings Accounts Plan. Integrated savings account with
Exante Bank for High Deductible Health Plans (HSA's).
Wellpath-
Offers competitive POS, HMO
and Health Savings Account plans. Strong networks in the Triangle,
Charlotte and Fayetteville areas. Offers dual choice plans to
groups with 10 or more employees
Dual Option Plans
HRA's, HSA's or a combination of both coupled with a traditional copay plan may be the solution to lower health insurance premiums. Sixty-three percent of employers expect to offer Consumer Driven Health Plans in the next two years to lower premiums 20-40%.
- Employer sponsors a combination of HSA, HRA and/or traditional copay plans
- Employee chooses the plan, premium and tax exposure that best fits their individual needs.
- Employer is now able to offer defined contribution health insurance plans to control costs.
Are you ready?
"Brokers Insurance Services is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Brokers Insurance Services. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association."
"(R) Registered mark of the Blue Cross and Blue Shield Association"
"(SM) Service mark of the Blue Cross and Blue Shield Association"
|
