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The State Health Plan

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The State Health Plan of North Carolina

The State Health Plan offers freedom of choice among in-network and out-of-network providers, lower out-of-pocket costs and a strong emphasis on preventive health. There are three health plans available: Traditional 70/30, Enhanced 80/20 and a Consumer Directed Health Plan. 

Eligibility

NC State University offers health insurance to eligible faculty/staff (SPA/EPA employees) who work at least 30 hours per week (.75 FTE), and who work on a recurring contract of 9 months or greater.  The University pays the full cost of the 70/30 health insurance premium for employees who work at least .75 FTE  in a regular position on a recurring contract of 9 months or greater. Employees pay the cost of dependent coverage.

Eligible faculty/staff (SPA/EPA employees) who work between 20 hours per week (.5 FTE) and 29 hours per week (.74 FTE) OR those that work 30 hours per week (.75 FTE) or greater but less than a nine month contract or a non-recurring contract are eligible to enroll in the State Health Plan, but must pay full cost for employee coverage in addition to any dependent coverage needed.

Effective Dates

New employees must enroll within 30 days of their hire/start date.  Employees who do not elect to enroll themselves in the State Health Plan within their first 30 days WILL NOT BE ALLOWED TO ENROLL until the next annual enrollment or if they experience a qualifying life event. 

Coverage may begin the first of the month following your hire/start date or the first of the second month following your hire date. Employees select which month the coverage will begin. For example, a new employee hired on September 15th may begin coverage on either October 1st or November 1st. Insurance premiums are deducted one month in advance of the coverage effective date. Keep in mind that your choice of effective date may result in a double deduction for the first month.  Faculty hired on July 1st, but whose work obligation begins in August, will be eligible for coverage to begin on September 1st once enrolled. 

If employment terminates on the 1st through 15th of the month, coverage will end on the last day of the current month. If employment ends between the 16th and last day of the month, coverage will end on the last day of the following month.

Health Insurance Plans

Click here to view the plan comparisons between the 70/30 PPO Plan and the 80/20 PPO Plan.

Health Insurance Premiums

The State Health Plan is a pre-pay plan.  Coverage is paid one month in advance through payroll deduction. Click here to view current rates for health insurance premiums. 

Enrollment

Employees can choose from four coverage levels:

  • Employee Only
  • Employee + Children
  • Employee + Spouse
  • Employee + Family (must include spouse and child(ren)

Enrollment is done through the State Health Plan/NCFlex online enrollment system.  Eligible employees can access this online system by going go to the MyPack Portal and logging in.  Once logged in, click on FOR FACULTY & STAFF at the top in the black bar.  In the center of the page, you will see Employee Self Service.  Click on "Enroll in Benefits", accept the campus ID notice and you will be logged in to the online enrollment system.  At the far left, under the QuickLinks, click on "eEnroll-Click Here to Enroll".  This will put you into the online enrollment system. 

 

Coverage Changes

Coverage changes are done through the State Health Plan/NCFlex online enrollment system with qualifying life events.  Such events are defined as birth, death, divorce, now eligible for other coverage, loss of other coverage, adoption, etc.  Coverage changes are effective the first day of the month following the date of the life event.  Eligible employees can access this online system by going go to the MyPack Portal and logging in.  Once logged in, click on FOR FACULTY & STAFF at the top in the black bar.  In the center of the page, you will see Employee Self Service.  Click on "Enroll in Benefits", accept the campus ID notice and you will be logged in to the online enrollment system.  At the far left, under the QuickLinks, click on "eEnroll-Click Here to Enroll".  This will put you into the online enrollment system. 

Link to the State Health Plan for more information. 

 

Last Edited: March 14th, 2014