State Health Plan of North Carolina

Two Preferred Provider Organization (PPO) plans are available to UNC Faculty and Staff. The State Health Plan of North Carolina administers these plans and they are underwritten by Blue Cross Blue Shield of North Carolina which offers coverage for in-network and/or out-of-network providers. The University contributes toward the monthly cost of coverage for regular full-time employees.

Enhanced 80/20 Plan is a traditional preferred provider organization (PPO) plan that offers freedom of choice among in-network providers, lower out-of-pocket costs and a strong emphasis on preventive health. Features include Affordable Care Act (ACA) preventive services covered at 100% if performed by an in-network provider and wellness premium credits that reduce your monthly cost.

Traditional 70/30 PPO Plan is a traditional preferred provider organization (PPO) plan that offers freedom of choice among in-network providers, lower out-of-pocket costs and a strong emphasis on preventive health. Affordable Care Act (ACA) preventive services and medications require the applicable co-pay.

The amount you pay depends on your selected plan level, who you cover and your completed wellness credits. If you are paid one time per month, the full monthly rate is deducted from your paycheck.  If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month. Click here for current rates.

Health insurance premiums are paid one month in advance of coverage and premiums are deducted from your paycheck on a pre-tax basis. 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 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 benefit plan level. 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.

Health Plan enrollment and changes are made through ConnectCarolina Self Service (Click: Enroll or Change Benefits) or call 855-859-0966.

High Deductible Health Plan

UNC-Chapel Hill offers the High Deductible Health Plan (HDHP) through the State Health Plan of North Carolina. Coverage is provided through the MedCost PPO Network. Temporary (non-permanent) employees working an average of 30 (.75 FTE) or more hours per week are eligible for coverage. Features include Affordable Care Act (ACA) preventive care services and medications covered at 100% with in-network providers.

Both UNC and the enrolled employee share the monthly cost of coverage. The enrolled employee will receive a monthly bill for his/her portion of the monthly cost.

Review the ACA Guidelines Document

Please contact UNC Benefits & Leave Administration to see if you are eligible for this plan.

If you choose to enroll in this plan, you will be billed monthly for your premiums by the State Health Plan’s direct billing administrator, iTEDIUM (formerly COBRAGuard). This is a pre-paid plan; therefore, you will be billed a month in advance. You will be responsible for paying your bill in a timely manner and failure to do so will lead to termination of coverage. 2018 HDHP Monthly Premium Rates
Once you are eligible for this plan, you will have 30 days to elect coverage. Coverage will start the first day of the month following enrollment.

Postdoc Medical Insurance Plan

The Postdoc Medical Insurance Plan is administered by Hill, Chesson and Woody and is underwritten by Blue Cross and Blue Shield of North Carolina. A waiver form must be signed if the postdoctoral scholar decides he/she does not want to enroll for health coverage benefits.

Eligible Post-docs must be classified as rank code 27 or 28 and temporary full-time in ConnectCarolina. Monthly health insurance premiums for individual Post-docs are covered by the institution (dept. or funding source), NOT by the Postdoc.

Post-docs are responsible for covering monthly premiums for spouses and children. Premium rates can be viewed here.
Coverage begins on the first day of the month following the month of the Postdoc’s appointment effective date. More information about the Postdoc Medical Insurance Plan.
Postdocs must complete the enrollment forms and return the BCBSNC forms to the department manager or Human Resources (HR) facilitator in their department. The department manager or HR facilitator will mail the completed forms to BCBSNC.

The Postdoc should mail the completed campus health forms to:

Campus Health Services
James A. Taylor Building
CB #7470
Chapel Hill, NC 27599.

North Carolina Health Choice Plan

Families who make too much money to qualify for Medicaid but too little to afford rising health insurance premiums can get free or reduced-price comprehensive health care for their children through the North Carolina Health Choice for Children program.