Introduction
Carolina HealthWorks is designed specifically for North Carolina small businesses with 2 to 50 eligible employees. This health plan, administered by Blue Cross and Blue Shield of North Carolina (Blue Cross NC), offers an easy and affordable way for employers to provide their teams with high-quality health coverage. By participating in this program, small businesses can access the benefits of a large group plan, resulting in more competitive rates and broader coverage options.
Eligibility
To participate in Carolina HealthWorks, employers must meet the following criteria:
- Employ 2 to 50 eligible employees
- Be headquartered in North Carolina
- Hold membership with the NC Chamber or a participating local chamber
Plan Options
Carolina HealthWorks offers a variety of plans to suit the unique needs of your business and employees, including:
- Traditional: Plans with copays, deductibles, and coinsurance
- All Copay: Plans featuring only copays for all covered in-network services, with no deductible or coinsurance
- HSA-Eligible: Plans that pair deductibles and coinsurance with a Health Savings Account
- Dental & Vision: Competitively priced dental and vision coverage options
Coverage Features
Carolina HealthWorks delivers quality, affordable coverage for employees, with all plans including:
- Pharmacy coverage
- $0 cost for preventive health care visits
- $0 cost for vendor telehealth or 0% after deductible for HSA-eligible plans
- Health and wellness programs at no extra charge
- Coverage across the U.S. and internationally
- Access to a nationwide network that includes 97% of hospitals and 92% of doctors in North Carolina
Additionally, employers benefit from fixed monthly payments, protection from high-cost claims through stop loss coverage, and greater control over cash flow and budgeting.
Administration
Managing your health plan is simple with Carolina HealthWorks. Blue Cross NC handles nearly all administrative tasks, offering convenience typically reserved for larger businesses. This allows you to focus on running your business, knowing your health coverage is in expert hands.
For more information, contact Jim Curis