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State Health Plan NC Flex UNC Benefit Plans Information Sessions Additional Resources Hear from our UNC Benefits Consultants Enroll Now

Open Enrollment for all benefits plans will be held Oct. 15-31, 2020. There is a shorter window to make your 2021 elections, so please be sure to PREPARE, DECIDE and ENROLL promptly.

For active employees, enrollment takes place through ConnectCarolina Self Service:

  • Log in to ConnectCarolina
  • Choose Self Service from the drop-down menu at the top
  • Choose the My Benefits tile
  • Choose Benefits Enrollment on the left
View step by step guide

You can also call the Enrollment and Eligibility Support Center at 855-859-0966. They are open until 10 PM EST, Friday, October 30 and will be open Saturday, October 31, from 8 AM-5 PM EST.

2021 Open Enrollment Overview

  • If you are enrolled for health coverage under the State Health Plan, you and your eligible dependents will be automatically enrolled in the 70/30 Plan for 2021. If you want to enroll in the 80/20 Plan, you must actively enroll during the Open Enrollment period between Oct. 15-31, 2020.
  • If you want to reduce your premium under the 70/30 Plan or 80/20 Plan, you MUST complete the tobacco attestation by Oct. 31, 2020 during Open Enrollment. If you attest you are a tobacco user and agree to a FREE tobacco cessation session, you must fulfill that visit at a CVS MinuteClinic OR a Primary Care Provider by Nov. 30, 2020.
  • The Flexible Spending Accounts (FSAs) require re-enrollment every year, so if you want to participate in either or both of the FSAs, you must make your election during Open Enrollment.
  • The three dental plans through MetLife will continue in 2021. The premium for the dental coverage will be reduced for all plans in 2021.
You will not be able to make benefit elections for 2021 outside of Open Enrollment unless you experience a change in family status or other qualifying events. Open Enrollment ends Oct. 31, 2020. Be sure to enroll on time to get the coverage you need for 2021.

State Health Plan

We are happy to announce that there are no rate increases for the State Health Plan for 2021. There is no copay for wellness visits and there is no copay for preferred and non-preferred insulin for a 30-day supply. During open enrollment, you will want to make sure choose your health plan (70/30 or 80/20), do your tobacco attestation to save money and select your Primary Care Provider (in the BCBSNC network or Clear Pricing Network).

To enroll:

  • Visit ConnectCarolina
  • Choose Self Service from the drop-down menu at the top
  • Select the “My Benefits” tile
  • Choose “Benefits Enrollment” on the left
  • You may also call the State Enrollment Center at 1-855-859-0966.

Online Resources:


For 2021, the dental plan will offer lower rates across the three plans. The Cancer Plan can be enrolled in during open enrollment with no evidence of insurability (EOI). NCFlex is emphasizing that dual coverage is not allowed. If you and your spouse are state or UNC employees, make sure you are not double covering each other or children on the plans. If you want a Flexible Spending Account (health care or dependent day care) in 2021, you must enroll during open enrollment.

UNC Benefit Plans

Information Sessions

There are many ways you can get more information about enrollment this year:

UNC Benefits Consultant Phone Availability

 Thursday and Friday, Oct. 15 and 16  8 a.m. – 5 p.m.
 Monday, Oct. 19  1 – 5 p.m.
 Tuesday, Oct. 20  8 a.m. – noon
 Wednesday, Oct. 21  1 – 5 p.m.
 Thursday, Oct. 22  8 a.m. – noon
 Friday, Oct. 23  8 a.m. – noon
 Monday, Oct. 26  1 – 5 p.m.
Tuesday, Oct. 27  8 a.m. – noon
Wednesday, Oct. 28  1 – 5 p.m.
 Thursday and Friday, Oct. 29 and 30  8 a.m. – 5 p.m.




Additional Resources


If you are receiving retirement benefits from the UNC Optional Retirement Program (ORP) or Teachers’ and State Employees’ Retirement System (TSERS), medical plan changes are made through the State Retirement System’s ORBIT portal. You may also call 1-855-859-0966 for assistance over the phone. Retirees on the Medicare Advantage Plan will note a change in vendors for 2021 to Humana.

If you are faculty participating in the Phased Retirement Program, NCFlex benefit plan changes are made through ConnectCarolina and medical plan changes are made through the State Retirement System’s ORBIT portal. Retirees on the Medicare Advantage Plan will note a change in vendors for 2021 to Humana.

Hear from our UNC Benefits Consultants 

Our UNC Benefits Consultants are here to help you prepare, decide, and enroll. Below are some Open Enrollment tips from our Benefits Consulting team.

Tarron Brandon, Senior Benefits Consultant

A frequently asked question is: If I am not currently enrolled in a healthcare plan, do I need to log in to decline coverage?

This is how we generally answer that question: The NC State Health Plan will only default employees who are currently enrolled in a medical plan. I recommend that you log into your account to check your current enrollment status. If you’re not currently enrolled, no action is required from you on medical coverage. However, there are other great plans that you may want to enroll in, so the Open Enrollment period is your opportunity to do so.

Employees should pay close attention to the enrollment dates and the fact that all employees will be defaulted into the 70/30 PPO Plan if they don’t take action.
My greatest passion is truly serving others.

Shaunna Carlton, Benefits Consultant

A frequently asked question is: As a retiree, do I need to complete open enrollment?

This is how we generally answer that question: Yes, we want your benefits savings to continue with your retirement plan for the upcoming year, you need to complete open enrollment for the system to map correctly.

The health care FSA accountThis is a great way to lower your taxable income on health and dependent day care expenses you anticipate incurring this benefit year. 
I really get enjoyment from helping others. I like to know that I have made a difference in someone’s life or have had a positive impact on their family. 

Justine DiStefano, Benefits Consultant

A frequently asked question is: Why did my health insurance premiums change in my December paycheck? I thought new coverage began 1/1/2021?

This is how we generally answer that question: UNC employees actually pre-pay one month in advance for our health coverage. This means that in the month of December, we are paying for our January coverage. If you made any changes to your medical plan for 2021, for example, you added dependents or changed from the 70/30 to the 80/20 plan, you will notice the increase in premium in your December paycheck. All other benefits plans are paid in the current month of coverage, so those changes will be reflected in your January paycheck.

Reviewing and updating your beneficiaries during Open Enrollment is a good practice. While you can update beneficiaries any time throughout the plan year, most people don’t think to do so unless they are experiencing a life change. What better way to manage your benefits than to knock everything out at once? You can complete beneficiary designations for NCFlex plans while you are in the enrollment portal during Open Enrollment and then while it’s on your mind, you can update beneficiaries for other benefits such as retirement plans or MetLife insurance, via If you can’t find what you’re looking for, we’re here for your benefit. You can email questions to or call us during Open Enrollment at 919-962-3071. 
I am a UNC alumnaI graduated from the Global Studies Master’s Degree Program in 2019 and was not only a Teaching Assistant during that time, but also had the opportunity to travel to London, England and Quito, Ecuador via the program. I really enjoyed working with students and now that I’ve switched gears to working with employees, I am finding that you all are a pleasure to work with too! Go Heels. ?

Joe Williams, Senior Benefits Consultant

A frequently asked question is: Do I have to take any action during open enrollment if I just want to keep the 70/30 health plan?

This is how we generally answer that question: Yes, if you fail to go in and do your tobacco attestation during open enrollment, you will pay $60/month as a tobacco surcharge, whether you use tobacco nor not.

Choose your dental plan carefully. If you have a child that needs orthodontia or if you have lots of dental issues, choose the Classic or High Dental Plans. If you only need dental coverage for cleanings or exams, then the low option dental plan may work fine for you. 
I have worked in the UNC System in Benefits and Leave for over 14 years and really enjoy what I do. I also absolutely love to travel and am so sad that I cannot do that right now. I look forward to the day when we get back to some sense of “normal” in the world and I can fly to new places to explore.