For those enrolled in the NCFlex Dental Plan through MetLife, the May 12, 2020 IRS guidance allows you to make some limited changes to your coverage. Those enrolled in the plan can add/remove dependents for the remainder of the year. Based on current regulations and IRS guidelines, we have outlined your available options here.
Taking care of your teeth means more than a beautiful smile. Research shows that good dental habits reduce the risk of heart disease, diabetes and other health conditions.
Dental coverage is available through the State’s program NCFlex. The vendor for this program is MetLife Dental. Regular (non-temporary) SHRA/EHRA and Faculty employees working at least 20 hours per week (.5 FTE) may choose between high, classic and low option plans. Coverage is also available for legally married spouses, domestic partners and eligible dependent children. Those enrolled in the MetLife Dental Plan can log into the MetLife Dental portal for additional information. You can go to mybenefits.metlife.com. Next type in NC Flex in the MetLife Benefits Login. This will take you to the login page. If you have not registered on this page, you will need to register first, then you will be able to login and view your plan information. View plan information, claim forms, certificates and more.
The amount you pay depends on your selected plan level and who you cover. If you are paid one time per month, the full monthly rate is deducted from your pay check. If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month. If there is a third bi-weekly paycheck in the month, the premium is not deducted. View current rates.
Dental plan premiums are deducted from your paycheck on a pre-tax basis in the same month coverage is effective. This means your premiums are taken from gross pay before Social Security, federal and state taxes are deducted, which reduces your taxable income.
If you enroll a domestic partner, you will enroll in two plans: one for yourself and the domestic partner plan. You will see two payroll deductions because the domestic partner premium is paid after taxes are deducted. The current monthly cost for domestic partner dental is $21.56 (low option) and $36.30 (high option).
If you are a new-hire or become eligible for coverage due to a qualifying life event and enroll in the plan, benefits begin on the first day of the month following your event date. You have 30 calendar days starting from your event date to enroll and coverage begins on the first day of the month following your event date.
The plan year is January through December. Your plan election is “locked in” for the entire calendar year and does not require re-enrollment during open enrollment. Your elected plan continues from year to year unless you decide to make changes.
If you experience a qualifying life event during the year, you may add or drop dependents but you may not change the plan level (high option, low option). You may change your plan level and drop/add dependents during open enrollment and the changes become effective on January 1.
If you lose eligibility for coverage, terminate employment or retire, your coverage will end on the last day of the month in which the event date occurs.
Dental plan enrollment and changes are made through ConnectCarolina Self Service (Enroll or Change Benefits).
If you choose domestic partner dental, enroll is a two-step process: