Plan Benefit & Comprehensive Cost Comparison
Comparing Leaf & Limb's Blue Cross Blue Shield of North Carolina Blue Options Renewal against the Level-Funded 2500 Leaf & Limb plan via Angle Health including the $20 PEPM Honey Benefits consulting fee (Quote ID: 452738, calculated on 46 enrolled subscribers).
| Benefit & Pricing Feature | BCBS NC Current (Blue Options) | BCBS NC 12/1/2026 Renewal (Blue Options) | Angle Health + Honey Benefits ($20 PEPM Fee Included) |
|---|---|---|---|
| Plan Type / Network | Fully Insured PPO (Broad NC) | Fully Insured PPO (Broad NC) | Level-Funded / Cigna PPO Network |
| In-Network Deductible (Ind / Fam) | $2,500 / $5,000 | $2,500 / $5,000 | $2,500 / $5,000 |
| Out-of-Pocket Max (Ind / Fam) | $10,150 / $20,300 | $10,150 / $20,300 | $9,100 / $18,200 (Lower OOPM) |
| Coinsurance (In-Network / OON) | 40% / 60% | 40% / 60% | 30% / 50% (Stronger Coinsurance) |
| Primary Care (PCP) Visit | $35 Copay | $35 Copay | $35 Copay (Deductible Waived) |
| Specialist Visit | $70 Copay | $70 Copay | $70 Copay (Deductible Waived) |
| Virtual Primary Care | Standard Telehealth Cost-Share | Standard Telehealth Cost-Share | $0 Copay (Doctors on Demand Included) |
| Diagnostic Tests (X-Ray / Lab) | Subject to Deductible + 40% | Subject to Deductible + 40% | 100% Covered ($0 Copay / No Ded) |
| Prescription Drug Tiers (Gen / Brand / Spec) | $15 / $25 / $45 / $90 | $15 / $25 / $45 / $90 | $15 / $25 / $45 / $90 (Exact Match) |
| Employee Only Rate (30 Enrolled) | $610.24 | $656.79 | $599.82 |
| Employee + Spouse Rate (5 Enrolled) | $1,190.48 | $1,252.87 | $1,170.14 |
| Employee + Child(ren) Rate (3 Enrolled) | $1,103.44 | $1,163.24 | $1,084.59 |
| Family Rate (8 Enrolled) | $1,828.74 | $1,908.49 | $1,797.49 |
| Honey Benefits Consulting Fee ($20 PEPM x 46) | Included in Commission | Included in Commission | $920.00 / mo ($11,040.00 / yr) |
| Total Monthly Spend (Medical + Honey Fee) | $42,199.84 / mo | $44,725.69 / mo | $42,398.99 / mo |
| Total Annual Spend (Medical + Honey Fee) | $506,398.08 / yr | $536,708.28 / yr | $508,787.88 / yr |
Major Hospital Network Coverage by Employee Location
Analyzing 54 employee and family zip codes across the Research Triangle region confirms 100% provider network alignment between Blue Cross Blue Shield of North Carolina (Blue Options) and Cigna PPO / Open Access Plus (Angle Health).
Greater Raleigh & Wake County
- UNC Health: UNC Rex Hospital (Raleigh), UNC Health Holly Springs
- WakeMed Health & Hospitals: WakeMed Raleigh Campus, WakeMed Cary Hospital, WakeMed North
- Duke Health: Duke Raleigh Hospital
Durham & RTP Metro
- Duke Health System: Duke University Hospital, Duke Regional Hospital
- UNC Health: UNC Health Care System Access
Orange County (Hillsborough & Chapel Hill)
- UNC Health System: UNC Hospitals (Chapel Hill), UNC Hospitals Hillsborough Campus
- Duke Health Regional Clinics & Outpatient Centers
Greensboro & Guilford County
- Cone Health System: The Moses H. Cone Memorial Hospital, Wesley Long Hospital
Return on Investment (ROI) & Financial Breakdown
By shifting to Angle Health and appointing Honey Benefits as your Broker of Record at $20 PEPM ($920/month for 46 subscribers), Leaf & Limb achieves significant financial returns:
Services Included in the $20 PEPM Consulting Fee
In addition to generating $27,920.40 in net annual savings, your $20 PEPM consulting fee unlocks Honey Benefits' complete hospitality service stack at zero additional charge:
1:1 Open Enrollment Video Calls
Dedicated 1:1 video call support during open enrollment for every employee to guide them through plan options and ensure they select the right coverage for their family.
1:1 Health Coaching with Justin
Year-round, personal health and wellness coaching directly with founder Justin Thomas (National Board Certified Health Coach) at no additional charge to employees.
1:1 Care Navigation via Faros Health
Direct care navigation where employees reach out to Honey Benefits to receive independent quality and cost scores on local providers, powered by our partnership with Faros Health (Enlight).
Bereavement Support via BEREAVE
Comprehensive grief support and end-of-life administrative assistance for employees navigating major family loss, fully included via our partnership with BEREAVE.
Bottom Line Financial Summary & ROI
For every $1.00 invested in Honey Benefits' $20 PEPM consulting fee, Leaf & Limb receives $3.53 back in gross medical savings—yielding a 253% net ROI while dramatically upgrading employee benefits.