BCBS Blue Funding

Blue Funding is a level-funded program: the employer pays a fixed monthly funded amount that covers expected claims, administrative costs, and stop-loss protection. If claims run under the funded amount for the year, a year-end settlement can return a portion of the surplus to the employer.

This structure can appeal to construction and manufacturing employers with a relatively predictable, healthy claims history who want more visibility into their healthcare spend without taking on full self-funded risk. Eligibility, funding amounts, and stop-loss terms are set by underwriting and must be confirmed at quote time.