State Health Plan of North Carolina
Two Preferred Provider Organization (PPO) plans are available to UNC faculty and staff (SHRA & EHRA). 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.
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.
80/20 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. 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.
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.
Health insurance premiums are paid one month in advance of coverage, and premiums are deducted from your paycheck on a pre-tax basis.
Part-ime employees (20-29 hours worked per week) are responsible for paying the employee and employer share of the premium.
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.
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 an employee terminates between the 1st – 15th of the month their medical coverage will terminate on the last day of the month in which their employment ends.
Example: Employee termination date is 9/5/2019, medical coverage will terminate on 9/30/2019.
If an employee terminates between the 16th – the last day of the month their coverage will terminate on the last day of the month following the month their employment ends.
Example: Employee terminates on 9/20/2019, medical coverage will terminate on 10/31/2019.
High Deductible Health Plan
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.
Please contact UNC Benefits & Leave Administration to see if you are eligible for this plan.
Postdoc Medical Insurance Plan
Health insurance benefits exist for all eligible postdocs. Eligible Postdocs must be classified as either a Postdoc Research Associate or a Postdoc Research Trainee and temporary full-time in the UNC Payroll system. Monthly health insurance premiums for individual postdocs are covered by the institution (dept. or funding source), NOT by the postdoc. Postdocs are responsible for covering monthly premiums for spouses and children. The Postdoc Medical Insurance Plan is underwritten by Blue Cross and Blue Shield of North Carolina (BCBSNC). A waiver form must be signed if the postdoctoral scholar decides he/she does not want to enroll for health coverage benefits.
The Postdoc should mail the completed campus health forms to:
Campus Health Services
James A. Taylor Building
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.