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# NCMS Plan

The North Carolina Medical Society Employee Benefits Plan

## Sitemaps

- [XML Sitemap](https://ncmsplan.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Home - About](https://ncmsplan.com/) - 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
- [Document Library](https://ncmsplan.com/document-library/) - Document Library Health - Employer FormsRequest for Proposal (Group Size 1-15)Request for Proposal (Group Size 16+)New Group ApplicationEmployer HSA Addendum Health - Member FormsMember Enrollment & Change Form (Group Size 1-15)Member Enrollment & Change Form (Group Size 16+)Domestic Partner AffidavitCoverage Declination FormEmployee HSA AddendumMedical Claim FormPrescription Drug Claim Form Dental - Employer FormsRequest for ParticipationDental
- [PPO Plans](https://ncmsplan.com/health-plan-information/ppo-plans/) - PPO Plans PPO stands for Preferred Provider Organization. A PPO’s premiums are usually much higher than an HDHP, but that comes with greater flexibility. PPOs allow you to get both in-network and out-of-network care — though out-of-network providers cost more. You can also see a specialist without a referral. The plans also include an out-of-pocket
- [HDHP Plans](https://ncmsplan.com/health-plan-information/hdhp-plans/) - HDHP Plans HDHP stands for High-Deductible Health Plan. What’s makes an HDHP a high-deductible plan is its hefty deductible. Once you reach the deductible, your insurer will begin to pay its share and you’ll pay your percentage of coinsurance. Your insurer will cover all costs once you’ve hit your out-of-pocket maximum. HDHP usually have lower
- [PPO 1-2-3 Plans](https://ncmsplan.com/health-plan-information/ppo-1-2-3-plans/) - PPO 1-2-3 Plans A PPO 1-2-3 Plan is similar to a standard PPO plan but with tiered benefit coverage for standard services. PPO 1-2-3 plans divide services into three benefit levels: Level 1: Copayments for most primary care office visits. Level 2: Rich coinsurance for acute care like admitted hospital stays. Level 3: A lower
- [Pharmacy Information](https://ncmsplan.com/health-plan-information/pharmacy-information/) - Pharmacy Information The NCMS Plan offers Pharmacy coverage through the medical plan. We partner with Blue Cross Blue Shield of North Carolina. BCBSNC acts as the NCMS Plan’s provider which means leveraging BCBS’ network, systems, and tools to administer our benefits. All Plans meet Essential Health Benefits (EHB) under the Affordable Care Act (ACA). We
- [Dental Plan Offerings](https://ncmsplan.com/dental-plan-information/dental-plan-offerings/) - Dental Plan Offerings PLAN A PLAN B PLAN C PLAN D PLAN E Plan A No Annual Deductible Annual Maximum Benefit: $1,000 In-Network: PDP Fee Schedule Out-of-Network: 90% of Reasonable & Customary Alternate Benefits (based on plan benefit): Member is responsible for charges exceeding benefit Benefit Summary MONTHLY RATES Employee: $35.87Employee Plus 1: $68.61Employee Plus
- [Dental Plan Information](https://ncmsplan.com/dental-plan-information/) - Dental Plan Information The NCMS Plan offers several Dental Plan options to best fit the needs of a practice. Plan offers include 9 tiers of coverage: Plan A, Plan B, Plan B with Orthodontia, Plan C, Plan C with Orthodontia, Plan D, Plan D with Orthodontia, Plan E, and Plan E with Orthodontia.The NCMS Plan
- [Health Plan Information](https://ncmsplan.com/health-plan-information/) - Health Plan Information The NCMS Plan offers an array of Health Plan options designed to meet the needs of any sized practice. Plan offerings include 4 different plan types: Traditional PPO, PPO 1-2-3 Plans, High-deductible Health Plans (HDHPs), and High-performance Network Plans (HPNs).The NCMS Plan partners with Blue Cross Blue Shield of North Carolina. BCBSNC
- [COBRA](https://ncmsplan.com/cobra/) - Consolidated Omnibus Budget Reconciliation Act (COBRA) Federal COBRA Continuation Law applies to employer groups that had 20 or more total employees for 50% of the business days in the preceding calendar year. This law generally allows eligible enrollees the right to continue coverage under the employer group health plan for up to 18 months after
- [Product Information](https://ncmsplan.com/product-information/) - Product Information Health Plan InformationLearn More Dental Plan InformationLearn More Life Plan InformationLearn More Employee Assistance Program (EAP)Learn More COBRA and State ContinuationLearn More
- [HPN Plans](https://ncmsplan.com/health-plan-information/hpn-plans/) - HPN Plans HPN stands for High Performance Network. These are plans that are designed to give members the highest quality of health care, through coordinated networks of providers, at the most affordable cost possible. HPN plans require members to stay in-network for services as out-of-network coverage is limited to urgent care and emergency care only.
- [Practice Wellness](https://ncmsplan.com/practice-wellness/) - Practice Wellness Practice Wellness is the NCMS Plan’s proprietary Wellness and Well-Being program. Our mission is to impact the health and well-being of NCMS Plan members by designing programs aimed at improving benefit education, utilization, and overall well-being strategies. The Practice Wellness program is led by our dedicated Health Promotion Manager providing support to all
- [Life Plan Information](https://ncmsplan.com/life-plan-information/) - Life Plan Information The NCMS Plan offers a range of Life Plan options to best fit the needs of a practice. The NCMS Plan partners with USAble, who acts as the plan’s provider which means leveraging USAble’s systems and tools to administer our benefits. Life Plan Offerings NCMS Eligibility Requirements Life Terminology NCMS Life Plan
- [Telemedicine](https://ncmsplan.com/health-plan-information/telemedicine/) - Telemedicine (Teladoc) Teladoc is a NCMS plan sponsored benefit that is integrated with your medical plan. Teladoc allows you to speak to a doctor or other healthcare provider over the phone or through video chat. You can use Teladoc to get medical advice, ask questions about your health, or even get a prescription for medication.
- [Employee Assistance Program](https://ncmsplan.com/eap/) - Employee Assistance Program (EAP) Vital Worklife EAP is a confidential counseling and support service that helps employees deal with personal or work-related issues that may be affecting their mental health, job performance, or well-being. The NCMS Plan partners with Vital Worklife EAP as a benefit for all members at no additional cost. Vital Worklife EAP