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Back to Open Enrollment

October 10-28, 2022

 

[ Joe Williams, Senior Director, Benefits, Leave Administration & Total Wellbeing ]

00:00:00 | It is that time again as every October here at UNC, we have Open Enrollment. This is your once-a-year opportunity to add, delete or make changes to the benefit plans that best fit the needs for you and your family.

I’m Joe Williams, Senior Director of Benefits, Leave Administration and Total Wellbeing here at UNC-Chapel Hill. I want to tell you a little about what to expect for this year’s Open Enrollment period, which runs Monday, October 10 through Friday, October 28.

This video will cover what’s new this year and highlight some helpful tips for completing your Open Enrollment.

00:00:42 | Let’s start with our biggest update: A new dual-portal system for making your benefits elections.

Just like in years past, you’ll make your benefits selections by logging in to ConnectCarolina Self Service and selecting the My Benefits tile.

But this year under the Benefits Enrollment menu option, you’ll see two portal links: one for the State Enrollment Portal and one for the UNC System Enrollment Portal.

You’ll use the State Enrollment Portal for health insurance, dental, vision, flexible spending accounts, accident plans, TRICARE supplement coverage. This is also the portal you will use for completing your tobacco attestation and choosing the 80/20 health plan or 70/30 plan. You’ll use the UNC System Enrollment Portal for enrolling in group term life insurance, accidental death & dismemberment, cancer plans and critical illness plans.

To make enrolling in your benefits as easy as possible, we’ve updated our HR at UNC Open Enrollment website and created visual guides that walk you through both portals. Visit hr.unc.edu/enroll to view, print or download step-by-step instructions that include screenshots for both portals.

Once you have completed your selections, be sure to scroll to the bottom of the final screen to click to “Save changes” in the State portal and to “Accept” changes in the UNC portal.

After you complete your changes in each portal, we recommend to print a copy or take a picture with your cell phone of your confirmation for both portals to keep for your records.

00:02:35 | Remember that every employee in the State Health Plan must complete a tobacco attestation indicating if you are a tobacco user or not. Also, everyone enrolled in the State Health Plan is defaulted into the 70/30 health plan and you must take action in this system if you want the 80/20 health plan. Failure to complete the tobacco attestation will result in you paying $60/month more in premiums.

Please note that if you are not changing any benefits and you only need to complete your tobacco attestation and change your health plan to 80/20, then you only need to go into the State Enrollment Portal.

I recommend that you set aside about 15-20 minutes to complete your open enrollment this year. Since there will be two enrollment portals, there are also two different customer service phone numbers that will be posted in case you have any issues.

00:03:36 | And now, let’s talk about some changes to the State Health Plan, NC Flex Plans and UNC System benefits.

Some good news for 2023 is that health premiums are not increasing, and there are no big changes to any of the health plans themselves.

One small change is that the 70/30 plan will now be called the Base Plan, and the 80/20 plan will be called the Enhanced Plan.

As we talk about the State Health Plan, I want to remind you of a joint replacement program for knee, hip or shoulder replacement surgery. If eligible, all the costs associated with your surgery will be bundled together and you will pay only one copay, which is $900 for the Base (70/30) plan or $600 for the Enhanced (80/20) plan. Normally these surgeries would have an out-of-pocket cost to you of over $6,000 so this is a really great program. You can read more about this on the State Health Plans website. Just search for “joint replacement” in their search bar.

00:04:43 | There are a few changes to the NCFlex programs. These are the state benefits such as dental, vision and flexible spending accounts.

First, the dental insurance premiums will have a small increase for 2023.

If you want to participate in a Flexible Spending Accounts for health or dependent daycare, remember that you must reenroll each year. You need to enroll for 2023 during Open Enrollment as this benefit does not auto-enroll from year to year.

For 2023:

  • The Health Care flexible spending account maximum annual contribution is increasing to $2,850.
  • And any unused 2022 Health Care FSA funds up to $570 will be rolled over into the 2023 plan year as long as you have a minimum balance of $25. Any funds exceeding this amount as of 12/31/22 will be forfeited.

00:05:44 | One of the biggest changes this year is the fact that we will now have two enrollment portals. This is because the UNC System will be taking over the life insurance and several other plans that have been under NCFlex. The Life Insurance Plans will be merged into one policy which will allow for reduced rates and enhanced benefits. Any NCFlex Life Insurance and/or AD&D coverage you may already have will be automatically pulled into the new consolidated UNC plan for 2023. You can make any changes you would like to these plans, but you would do them in the UNC System Enrollment Portal.

For the following plans and updates, you will use the UNC System Enrollment Portal.

First, Cancer and Specified Disease Plan premiums are decreasing. As you may know, your health insurance covers the treatment of cancer. This plan simply pays you a cash benefit directly for the treatment of cancer or specified diseases. If you want to enroll in this plan, Evidence of Insurability (medical underwriting) will not be required to enroll.

Evidence of Insurability will also not be required to enroll in the Critical Illness Plan, which is moving to a new vendor: Voya. The plan will feature a new Wellness Benefit and Infectious Disease Benefit Rider.

Similarly, a new Wellness Benefit and Voya Travel Assistance will be featured with the Accident Plan, which will also include a new High Option.

Please note that if you’re currently enrolled in the Life Insurance, AD&D (Core and/or Voluntary), Cancer and Specified Disease, and/or Critical Illness plans, these plans will all migrate to the UNC System Plans. You will need to log in to the UNC System Enrollment Portal to designate any beneficiaries because your current beneficiaries will NOT be transferred over.

00:07:43 | Remember that the benefits selections you choose during this October enrollment period will go into effect January 1, 2023, and remain in effect through December 31, 2023. Once the October enrollment period closes on the 28th, you cannot make changes until the next open enrollment period in October 2023 unless you experience qualifying life event like death, birth, marriage or divorce, outside of the Open Enrollment period.

Open Enrollment is only available to UNC-Chapel Hill benefits-eligible permanent employees—that is, employees who are permanent full- and part-time SHRA, EHRA Non-Faculty and Faculty working a minimum of 20 hours a week. To learn more about benefits eligibility, please visit hr.unc.edu/benefits/eligibility.

Again, for more information about Open Enrollment, visit hr.unc.edu/enroll. If you have questions during Open Enrollment, the two Enrollment Centers can best help with questions.

Contact the State Enrollment Center at 855-859-0966 for health, dental, vision, flexible spending accounts, accident and Tricare Supplement questions.

Contact the UNC System Enrollment Center at 833-862-1490, for life insurance, cancer plan, accidental death & dismemberment and critical illness plan questions.

Our UNC Benefits team is also happy to help, and you can reach us by emailing benefits@unc.edu or calling 919.962.3071.

Open Enrollment comes only once a year. We realize these changes may be a little challenging but remember there are lots of resources to help you this year. Open Enrollment is October 10-28. Let us know how we can help.

 
 

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