Full time employees are eligible for coverage on the first day of the month following 30 days of employment. Coverage for spouse and child(ren) is also available.
Brunswick County’s medical plan is administered by BCBSNC. Register online to view your medical, dental and presciption plan information with BCBSNC at http://www.BCBSNC.com.
Under separation of service, coverage may continue by paying the full premium under the COBRA Option.
Medical Plan Monthly Contributions
|Medical with No Spousal Surcharge||Medical with Spousal Surcharge *|
|Employee + Spouse||$407.00||$607.00|
|Employee + Child(ren)||$227.00||N/A|
|Employee + Spouse + Child(ren)||$634.00||$834.00|
* Spousal Surcharge applied if spouse is employed and has coverage available through their employer and chooses to be covered under the Brunswick County Group Plan.
Group Health Insurance – Plan Highlights
The benefit plan year runs from July 1 through June 30. Deductibles and Coinsurance will begin to accrue the latter of July 1 or your effective date and will not reset until July 1 of the following year.
In order to receive In-Network benefits, all services must be provided by a BlueCross BlueShield Participating Provider. This applies to each individual service unless otherwise noted. Benefits are subject to all terms, conditions, limitations and exclusions outlined in the Summary Plan Description.
|Service||Your Cost In-Network||Your Cost Out-Of-Network|
|Out of Pocket Maximum (includes deductible, coinsurance and co-payments)|
|Office Visit||$30 copayment||Deductible, then 40%|
|Specialist Office Visit||$50 copayment||Deductible, then 40%|
|Urgent Care||$40 copayment||$40 copayment|
|Emergency Room (waived if admitted)||$200 copayment||$200 copayment|
|Preventive Care||100% covered||Not covered|
|Diagnostic Tests (X-rays, blood work)||Deductible, then 20%||Deductible, then 40%|
|Inpatient Hospitalization||Deductible, then 20%||Deductible, then 40%|
|Outpatient Facility and Service Charges||Deductible, then 20%||Deductible, then 40%|
|Mental Health & Substance Abuse Services|
Deductible, then 20%
Deductible, then 40%
Deductible, then 40%
|Routine Eye Exam||100%||Not Available|
|RX Retail||$10/$45/$60/25%||Copay plus charge over in-network allowed amount|
|RX Mail Order (90-day supply)||$25/$112.50/$150||N/A|
The plan document or carrier’s master policy is the controlling document, and this Benefit Highlight does not include all of the terms, coverage, exclusions, limitations and conditions of the actual plan language.
Dental Plan Monthly Contributions
|Employee + Spouse||$27.53|
|Employee + Child(ren)||$0.00|
|Employee + Spouse + Child(ren)||$27.53|
Dental Insurance – Plan Highlights – offered through BCBSNC
|Program Deductible and Maximums||Member Pays|
|Annual Deductible ||$50 per person/$150 per family|
|Benefit Category *||Plan Pays **|
|Diagnostic/Preventive Services||100%, no deductible|
*Subject to limitations for Schedule of Benefits.
**If you receive dental services from providers who have contracts with BCBSNC, you only pay the coinsurance amount and any applicable deductible. If you do not see a provider who contracts with BCBSNC, in addition to the coinsurance and any deductible, you may be responsible for the difference between the provider’s actual charge and the allowed amount.