Eligibility for benefits at Ä¢¹½´«Ã½ depends on your position type and hours worked. Eligible programs may include medical, dental, vision, leave, and retirement options to help support you and your family. Benefits are designed to provide peace of mind and support your well-being, no matter your role on campus.

Dependent Eligibility

• Your married spouse (including same-gender marriages).
• Your children* up to age 26, including natural, legally adopted, stepchildren, or children for whom you have legal guardianship.
• For the TRICARE Supplement: children* are eligible up to age 21, or up to age 23 if enrolled full-time in a school of higher learning.
• Your children* of any age who are physically or mentally incapacitated to the extent they cannot earn a living, provided the condition began before their 26th birthday while they were enrolled in the plan.

Children*: Some plans may have additional restrictions on children’s eligibility. To view these restrictions, visit www.ncflex.org and view each plan certificate.

As a new Ä¢¹½´«Ã½ employee, you have access to a comprehensive benefits package designed to support your health, financial security, and overall well-being. To take advantage of these programs, you must actively enroll within the designated enrollment windows.

By enrolling promptly, you ensure uninterrupted coverage and access to these important benefits from your first day at Ä¢¹½´«Ã½.

Ä¢¹½´«Ã½ employees (SHRA and EHRA) have access to medical coverage through the State Health Plan of North Carolina, administered by Aetna. The University contributes toward the monthly premium for regular full-time employees. All plans give you the freedom to choose any provider, though using in-network providers helps reduce your out-of-pocket costs. Two Preferred Provider Organization (PPO) options are available, and one High Deductible Health Plan (HDHP) option provides lower premiums with a health savings account (HSA) to help manage out-of-pocket costs.

Base PPO Plan (70/30)

Offers freedom to choose any provider. In-network care reduces out-of-pocket costs, and preventive services are covered at 100%. Copays and coinsurance apply for office visits, specialists, and major services. Members can lower their premium through a wellness premium credit and reduce copays by using CPP providers.

Enhanced PPO Plan (80/20)

Similar to the 70/30 PPO, with lower copays and coinsurance for office visits, specialists, and major services. Preventive care is fully covered in-network. Employees can lower their premium by completing the tobacco attestation and reduce costs further by using CPP providers.

High Deductible Health Plan (HDHP)

Offers flexibility to choose any provider with lower in-network costs after meeting a higher deductible. Preventive services are covered at 100% in-network. Maintaining a Primary Care Provider is recommended to manage care and access wellness incentives. Out-of-network care is covered at a lower benefit level.

Tip: Using in-network providers, taking advantage of wellness activities, and visiting CPP providers can help lower your out-of-pocket costs across all plans.

Through MetLife, NCFlex offers three dental plan options that cover routine checkups and other dental care: the High Option plan, the Classic Option plan, and the Low Option plan. These options differ both in how much you pay per pay period and at time of service.

Note: Your username and password will be the same information you use to access your Ä¢¹½´«Ã½ computer/email or OnePort login.

Choosing the Right Dental Option

NCFlex offers vision coverage through EyeMed Vision Care to save money on eye exams and eyewear. You can see any vision provider you choose. The Vision Plan offers three options: Core, Basic, and Enhanced.

*To participate in the Core Wellness Exam at no cost, you must still enroll in the plan. Both the Basic and Enhanced options provide a full exam and vision materials but do not allow both eyeglasses and contact lenses in the same benefit period.

Flexible Spending Accounts

• Health Care Flexible Spending Account (HCFSA)

• • Contribution Range: $120–$3,200 per plan year. If your spouse is a State of NC or UNC System employee, they may also contribute up to $3,200.

• • Funds availability: Your full elected amount is available on day one of the plan year or when your benefits begin.

• • Pre-Tax Deductions: Contributions are deducted evenly from your paycheck throughout the year, reducing taxable income.

• • Covered Expenses:

• • • Doctor visit copays and prescription drugs.

• • • Prescription eyeglasses, braces, contacts, and hearing aids.

• • • Dental copays and deductibles.

• • • Everyday health products, over-the-counter medications, and menstrual items.

• • Dependents do not need to be on your medical, dental, or vision plans to qualify.

• Dependent Day Care Flexible Spending Account (DDCFSA)

• • Tax-Free Savings: Contribute pre-tax dollars to cover eligible dependent care and elder care expenses.

• • Contribution Eange: $120–$5,000 per plan year (IRS maximum of $5,000 per family, per year).

• • Eligibility: Both you and your spouse work, or your spouse is a full-time student, or your spouse is unable to care for themselves.

• • Covered Expenses:

• • • Day care, preschool, after-school programs, and summer day camps for children under 13 or disabled dependents.

• • • Adult day care for a spouse or dependent (e.g., an elderly parent) who lives with you more than half the year and relies on you for over half their support.

• • Not Covered Expenses: Sleep-away/overnight camps or virtual camps.

Cancer and Specified Disease Insurance

The Cancer and Specified Disease Plan pays cash benefits for cancer and 29 other specified diseases to help with the costs associated with treatments and expenses as they happen. This coverage can also help pay for hospitalization, surgery, radiation/chemotherapy, and more.

You pay for this coverage on a pre-tax basis. You can choose between three plan options (Low, High, and Premium) depending on your insurance needs. All three plan options cover the same type of services. In most cases, however, the amount of coverage differs based on the option you choose.

Critical Illness

The Critical Illness Plan pays a benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date. You can choose a maximum benefit amount of $15,000, $25,000, or $40,000. Benefits are paid directly to you to use however you like. You do not have to provide evidence of good health/insurability to enroll in this plan.

Accident Plan

NCFlex offers an Accident Plan that pays you cash benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. You can use this money however you like, for example, deductibles, other out-of-pocket medical costs, child care, housecleaning, groceries, or utilities. Benefits are paid directly to you and pay in addition to any other insurance you may have. You can choose between two plan options: the Classic Option and the Enhanced Option. Keep reading to learn more about the differences in these plans.

TRICARE Supplement

If you currently have TRICARE Select, Prime, or TRR benefits offered to the military community, you may be eligible and interested in the TRICARE Supplement Plan. This plan helps pay 100% of members’ TRICARE outpatient deductibles, cost shares, copayments plus 100% of covered excess charges.

Ä¢¹½´«Ã½ values the long-term well-being of its employees and is committed to supporting your retirement planning. As a member of our campus community, you have access to comprehensive retirement programs and financial planning resources designed to help you prepare for the future with confidence. Whether you are just beginning your career or approaching retirement, these benefits and tools are available to help you make informed decisions and build long-term financial security.

Need help with your benefits? Use the table below to find the right contact for each NC State Health Plan and NCFlex Benefit Programs, including phone numbers, email addresses, and websites. Whether you have questions about health coverage, flexible spending accounts, retirement, or other employee benefits, these contacts can provide the assistance you need.