North Carolina Medical Society
Sentinel Benefits Consulting

The North Carolina Medical Society Employee Benefit Plan

The North Carolina Medical Society Employee Benefit Plan (NCMS Plan) is the only statewide health benefits plan designed for North Carolina physicians in need of customized health and dental programs.  Offering a unique combination of health, life, and dental programs, the NCMS Plan has benefit designs to meet your needs regardless of your practice’s size or employee benefit budget.

In 1998, through a partnership between the North Carolina Medical Society (Sponsor), Medical Mutual Insurance of NC (MMICNC now Curi) and Blue Cross Blue Shield of North Carolina (Third Party Administrator), the North Carolina Medical Society Employee Benefit Trust was formed as a funding mechanism for the NCMS Plan.  The Trust is a “Multiple Employer Welfare Arrangement” defined by North Carolina Insurance Law and qualifies under Internal Revenue Code section 501(c)(9).

The NCMS Employee Benefit Plan was developed to provide access to benefits for independent physician practices throughout North Carolina. The Plan is an employee welfare plan providing group health, dental and life benefits for eligible employees and their dependents of a participating employer.

Board of Trustees

The NCMS Plan is overseen by a Board of Trustees made up of North Carolina Physicians actively enrolled in the NCMS Plan. The Board oversees all aspects of the Plan’s strategy including rates, benefit offerings, programs & administration.

Kenneth A. Holt, MD
Metro Internal Medicine PA
Raleigh, NC

Mary Ann Contogiannis, MD
Vice Chair
Renaissance Center for Plastic Surgery & Wellness
Greensboro, NC

William F. Ingram III, MD
Presbyterian Pathology Group, PLLC
Charlotte, NC

Sandya T. Cohen, MD
Eye Consults
Greensboro, NC

Managing Partners

Joining the Board in it’s oversight are representatives from the NCMS Plan’s managing partners: North Carolina Medical Society, Curi, Sentinel, and Rudd & Wisdom.

The oldest professional organization within the state, the North Carolina Medical Society (NCMS) began in 1849 when 25 physicians united to advance medical science and to raise the standards for their profession. The mission of the North Carolina Medical Society is to provide leadership in medicine by uniting, serving, and representing physicians and their health care teams to enhance the health of North Carolinians. As Plan Sponsor, the NCMS Team works to ensure the NCMS Plan adhere’s to it’s mission of serving NC Physician practices and their employees.

Curi, formerly Medical Mutual Insurance of NC, serves multiple roles on behalf of the NCMS Plan such as governance, compliance, financial guidance & administrative oversight. Curi’s team oversees the Plan’s strategic carrier partners (BCBSNC, MetLife, USAble, Vital WorkLife, Flores and more) to ensure seamless ongoing administration of benefits.

Sentinel is the premier, independent risk management and employee benefits consulting firm in North Carolina with a dedicated Healthcare Practice Solutions team focused on the unique needs of physicians and their employees. With over 2,500 physician practice clients, and through our partnerships with the North Carolina Medical Society (NCMS) and Curi, Sentinel will deliver proprietary insurance solutions designed by, and for, Healthcare Professionals.

Rudd and Wisdom, Inc. is the oldest actuarial consulting firm in the State of Texas, operating continuously since 1945. R&W provides actuarial and consulting services for public and private concerns of all sizes. Their clients include large corporations, governmental entities, insurance companies, and utility companies. Their team also provides financial advice and expert witness to individuals. R&W assists their clients in their long-term success by applying analytical and technical expertise to the design and execution of sound management, and financial and operational strategies.

Carrier Partners


The NCMS Health Plan, a self-insured medical plan, is administered by Blue Cross Blue Shield of NC, leveraging the Blue Cross network, applications, and expertise to handle all aspects of health plan administration.


The NCMS Dental Plan offers fully insured dental plan benefits administered by MetLife.

USAble Life

The NCMS Life Plan offers fully insured Group Term Life/AD&D and Dependent Life benefits through our partnership with USAble.