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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 (SHRA/EHRA 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 (SHRA/EHRA 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, Consumer-Directed Health 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".  This will take you to a landing page where you will click on the link on the left side of the page "eEnroll, click here to enroll". Once in the enrollment portal, you can enroll in your benefits.  Keep in mind that you will HAVE to provide valid Social Security numbers (SSN) for any spouse or children that you enroll.  A baby less than 60 days old is not required to have an SSN. 

Annual enrollment occurs during October of each year.  During this time benefit plan changes or enrollment may be made.  These changes/enrollment are effective on January 1. 

 

Coverage Changes

Annual enrollment occurs during October of each year.  During this time benefit plan changes may be made.  These changes are effective on January 1. 

Coverage changes may also be done through the State Health Plan/NCFlex online enrollment system with qualifying life events (QLE's).  Such events are defined as birth, death, divorce, gain of dependent benefits, loss of dependent benefits, adoption, changing in Medicaid/CHIP status, etc.   

Coverage changes are effective the first day of the month following the date of the life event except for a birth.  The effective date for the birth of a child will be the month they are born regardless of the date of birth.  It is important to put correct dates in the online enrollment system. For example, your spouse is on your health plan, but gets a job with his/her own health coverage which goes into effect on June 1. You would select "gain of dependent benefits" and list a May 31 date of coverage. By doing this, your spouse would be removed from you health plan on June 1.  If you list June 1, then the spouse would not be removed until July 1. If adding dependents (spouse and/or children), you will need to provide dependent verfications. Click here to see these dependent verfications. 

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".  This will take you to a landing page where you will click on the link on the left side of the page "eEnroll, click here to enroll". Once in the enrollment portal, you can enroll in your benefits.  You will click the view/edit button with each benefit plan to make the needed changes.  Changes made in the online enrollment system by the 10th of the month should be reflected in the next payroll. If adding dependents, the plans require documentation of the qualifying life event prior to being approved.  Please fax your documentation to (919) 515-7543 or scan and email to hrsbenefits@ncsu.edu  Include your name and employee ID on the documentation. 

Link to the State Health Plan for more information.