Group Health Insurance

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 Blue Cross and Blue Shield of North Carolina (Blue Cross NC). Register online to view your medical and prescription plan information with Blue Cross NC by visiting the Blue Cross NC website.

Under the separation of service, coverage may continue by paying the full premium under the COBRA Option.

Medical Plan Monthly Contributions

StatusMedical with No Spousal SurchargeMedical with Spousal Surcharge
Employee$0N/A
Employee + Spouse$407$607
Employee + Child(ren)$227N/A
Employee + Spouse + Child(ren)$634$834

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 Blue Cross Blue Shield 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.

ServiceYour Cost in-NetworkYour Cost out-of-Network
Deductible
- Individual
- Family
$750
$2,250
$1,500
$4,500
Out of Pocket Maximum (includes deductible, coinsurance and co-payments)
- Individual
- Family
$2,000
$6,000
$4,000
$12,000
Coinsurance20%40%
Office Visit$30 copaymentDeductible, then 40%
Specialist Office Visit$50 copaymentDeductible, then 40%
Urgent Care$40 copayment$40 copayment
Emergency Room (waived if admitted)$200 copayment$200 copayment
Preventive Care100% coveredNot covered
Diagnostic Tests (X-rays, blood work)Deductible, then 20%Deductible, then 40%
Inpatient HospitalizationDeductible, then 20%Deductible, then 40%
Outpatient Facility and Service ChargesDeductible, then 20%Deductible, then 40%
Mental Health and Substance Abuse Services
- Inpatient
- Outpatient
Deductible, then 20%
$50 copayment
Deductible, then 40%
Deductible, then 40%
Routine Eye Exam100%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/$150N/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

StatuesDental Premium
Employee$0
Employee + Spouse$27.20
Employee + Child(ren)$0
Employee + Spouse + Child(ren)$27.20


Dental Insurance - Plan Highlights - Offered Through Delta Dental

Program Deductible and MaximumsMember Pays
Annual Deductible$50 per person/$150 per family
Benefit CategoryPlan Pays
Diagnostic/Preventive Services100%, no deductible
Basic Services80%
Major Services50%
Annual Maximum$1,000

Subject to limitations for Schedule of Benefits.

If you receive dental services from providers who have contracts with Delta Dental, you only pay the coinsurance amount and any applicable deductible. If you do not see a provider who contracts with Delta Dental, 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.