Questions about new coverage options?

  • Contact your human resources or benefits team
  • Watch for information from your employer about open enrollment

Choose the right health plan

Is your plan self-insured or fully insured?

When you're learning about your health plan benefits, it may help to know whether it's fully or self-insured. Coverage, programs and services available can vary depending on the plan.

  • Fully insured: For fully insured plans, the insurance company pays for the member's healthcare claims and sets the plan benefits. Small employer plans (2-50 employees) are generally fully insured, and some large employer plans (over 50 employees) are fully insured.
  • Self-insured: Many employers are self-insured and set their own benefits, which are then administered by Blue Cross. Some large employer plans (over 50 employees) are self-insured.