Market overview
North Carolina's commercial market is led by a dominant statewide Blue, with the national carriers competing across the state and a notable regional rental-network presence serving self-funded employers.
Major commercial carriers
The national carriers all operate in North Carolina — UnitedHealthcare (behavioral health through Optum), Aetna, and Cigna (behavioral health through Evernorth) — competing statewide alongside the dominant state Blue.
Profiles: UnitedHealthcare / Optum · Aetna · Cigna / Evernorth
The state's Blue
Blue Cross and Blue Shield of North Carolina (Blue Cross NC)
The dominant commercial payer across the state.
Regional & specialty networks
MedCost
A regional PPO network and TPA operating across the Carolinas and Virginia; rented by self-funded employer plans, so its name appears on claims from many different employers.
See the MedCost guide
More in the Southeast
Alabama · Arkansas · Delaware · District of Columbia · Florida · Georgia · Kentucky · Louisiana · Maryland · Mississippi · South Carolina · Tennessee · Virginia · West Virginia
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