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Group Health Insurance

Monday, November 10th, 2008

Group health insurance plans, such as Blue Options PPO, differ from individual/family health insurance plans, such as the Blue Advantage plan, in several ways. First of all, they are most often sponsored by an employer, who in NC, must contribute at least 50% of the cost of the employee portion of the premium. Groups must also have at least 75% of their eligible employees (full time working 30 hours or more per week) participating on the plan, less anyone who is on another group plan. Blue Advantage can be applied for by any resident of North Carolina who is under 65 and who is not on Medicare or Medicaid – there are no participation requirements.

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