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The State Health Plan

The State Health Plan continues to work with Blue Cross and Blue Shield of North Carolina (Blue Cross NC), CVS Caremark and UnitedHealthcare to ensure you have benefits in place and remove any barriers to needed care during COVID-19.

  • The State Health Plan is waiving the cost of treatment for members diagnosed with COVID-19, including associated deductibles, copayments, and coinsurance. The Plan is also covering the cost associated with the testing of COVID-19.
  • The member cost-share waiver for COVID-19 related treatments is effective immediately through June 1, 2020, at which time the Plan will continue to re-evaluate this and other measures. The Plan is taking this action to help ensure that members receive COVID-19 testing and the treatment they need when they need it.
  • The Plan is waiving the costs for the COVID-19 test regardless of site of service (where you receive the test) to ensure there are no cost barriers to testing.
  • The Plan is also waiving the copay for in-person and virtual PCP visits to screen for COVID-19. Screening visits will not be subject to your deductible or coinsurance, even if your deductible has not been met.
  • Many providers are now offering telehealth or virtual visits. These types of visits are covered under your Plan benefits. The applicable copay for an office visit will apply. If you are outside of North Carolina, please confirm with your provider as each state may have different rules regarding telehealth services.
  • You will need to call your provider to determine if these services are offered. Many providers are offering virtual services for behavioral health, physical therapy and wellness visits. Virtual visits are not just for when you’re feeling sick, so if your provider offers them, please take advantage of the service.
  • The Plan is waiving the early medication refill limits on 30-day prescription for maintenance medications only. Member cost-sharing will apply as normal.
  • If you are trying to refill a non-maintenance medication early, it will be denied.
  • Click here for a reference list of what is considered a maintenance medication. This is a standard, non-State Health Plan specific list, but it will give you a reference of what drug categories are considered maintenance.
  • Several pharmacies have waived home delivery charges for medications, so members do not have to leave their homes to pick up their medications. You are encouraged to check with your pharmacy to find out if they also offer prescription delivery services.
  • If you have questions, please call CVS Caremark at 888-321-3124 or your pharmacy.

The Plan continues to monitor the ongoing developments around this virus. If other precautions or actions are warranted, additional information will be communicated to Plan members via email and posted on the Plan’s website.

The State Health Plan Resource Center can help you navigate your Plan benefits. Find the tools & resources you need to most effectively manage your benefits, make health care choices and save on health costs:


Non State Health Plan Covered Employees

For employees not enrolled in the State Health Plan, a telehealth option is available through 4YourHealth On-line. Our discount is 20%, making it $11.95 a month rather than the usual $14.95/mo. Sign-up before July 31, 2020 to enjoy the discounted rate for 12 months. Visit go.unc.edu/4-your-health to access the discounted rate.

4 Your Health Handout

About 4 Your Health

4 Your Health is not medical insurance. It’s a monthly subscription program that provides you with 24/7 access to board-certified physicians, nurses, and wellness coaches, as well as fitness programs and personalized meal plans. 4 Your Health has no deductibles, no co-pays, and no insurance claims. All services are included in the monthly membership fee.


NC Flex

We continue to monitor IRS guidelines as it pertains to the Healthcare Flexible Spending Accounts and Dependent Day Care Spending Accounts.

On May 12, 2020, the IRS issued new guidance for flexible spending accounts (FSA). All COVID-19 related requests must be submitted to the Benefits office by Sept. 28, 2020.

Based on current regulations and IRS guidelines, we have outlined your available options below.

Flexible Spending Accounts

Within the CARES Act bill and May 12, 2020 IRS guidance, there are provisions that may help faculty and staff who are enrolled in a Health Care Flexible Spending Account (FSA) administered by NCFlex. Employees may stop future contributions, modify future contributions or start contributions to the health care FSA on a go-forward basis.

Provisions in the CARES Act also allows faculty and staff to use Health Care FSA funds to purchase OTC drugs and medicines without a prescription from a physician.

The law also adds feminine hygiene products, including tampons, pads, liners, cups, sponges, or similar products, to the list of over-the-counter items eligible for reimbursement from a Health Care FSA. These OTC changes are effective for expenses incurred after December 31, 2019.

The May 12, 2020 IRS guidance allows you to suspend, decrease, or start dependent day care FSA contributions. Changes are made on a go-forward basis:

    • Suspend contributions:  If your day care has closed and is not billing for services, you may suspend contributions. Once day care services resume, you may restart your contributions.
    • Modify contributions: You may increase or decrease contributions if your day care has adjusted the fee schedule or if you switch to “free care” or no day care option.
    • Start contributions: If you have to start paying for day care while you are working from home, this results in new expenses. You may start contributing to a dependent day care FSA.

To make a change to your flexible spending accounts as outlined above, you must contact the UNC OHR Benefits Office via email at benefits@unc.edu to request this change. Please include your full name, PID, the plan(s) you want modified and the changes you want to make. The UNC OHR Benefits Office will acknowledge your email and will send an exception request on your behalf to the NCFlex Management Team.

All COVID-19 related requests must be submitted to the Benefits office by Sept. 28, 2020.

Dental and Vision Plans

For those enrolled in the NCFlex Dental Plan through MetLife as well as the NCFlex Vision Plan through EyeMed, the May 12, 2020 IRS guidance allows you to make some limited changes to your coverage. Those enrolled in these plans can add/remove dependents for the remainder of the year. To make a change to your dental or vision plan as outlined, you must contact the UNC OHR Benefits Office via email at benefits@unc.edu to request this change.

Please include your full name, PID, the plan(s) you want modified and the changes you want to make. The UNC OHR Benefits Office will acknowledge your email and will send an exception request on your behalf to the NCFlex Management Team. All COVID-19 related requests must be submitted to the Benefits office by Sept. 28, 2020.


Financial Planning/Market Concerns

CAPTRUST

UNC-Chapel Hill has partnered with CAPTRUST to provide independent financial advisory and retirement services to UNC-Chapel Hill employees. CAPTRUST offers a no-cost advice line for all benefits-eligible employees.

Representatives are available to answer employees’ questions about the market and financial planning. There are also many resources and tools available online to guide yourself financially during this time.

To schedule an appointment, call 1-800-976-9948 or visit www.captrustadvice.com. Representatives are available by phone Monday through Thursday from 8:30 a.m.-5:30 p.m. and Friday from 8:30 a.m.-4 p.m.

TIAA, Fidelity & Prudential

All in-person retirement planning sessions with TIAA, Fidelity, and Prudential that were scheduled for UNC-CH offices have been canceled or rescheduled to virtual meetings. You will be contacted by the appropriate vendor retirement consultant with more information. Future appointments are still available through the signup links below and will be held virtually until further notice.

Financial uncertainty

Our Employee Assistance Program (EAP) also has Financial Coaches available to offer information, resources, and problem-solving assistance to help employees work through the many financial challenges and decisions that they may occur in the coming days and weeks. Download the Financial Resilience Resource Guide handout for more information.


Resources to Support your Mental and Emotional Wellbeing

Visit the Wellness Resources During COVID-19 page for information and resources regarding mental health care and support; mindfulness and finding peace; staying active; eating well; staying busy indoors; family resources; webinars; tip sheets; and more.

Go to: Wellness Resources During COVID-19

Contact Benefits & Leave Administration

Email: benefits@unc.edu
Phone: 919-962-3071
Fax: 919-962-6010