Insurance Open Enrollment: Nov. 2-19, 2019

Insurance Open Enrollment: Nov. 2-19, 2019

It’s time to choose your benefits for 2020. To prepare, think about your needs and health goals for next year. Then review the materials and make your elections online for both your State Health Plan and NCFlex benefits.

Enrollment period: Nov. 2-19, 2019
Effective date of changes: Jan. 1, 2020

You can enroll in or update the following benefits:

  • Health
  • Dental
  • Vision
  • Accident
  • Cancer and Specified Disease
  • Critical Illness
  • Flexible Spending Accounts
  • Group Term Life 
  • Accidental Death and Dismemberment

 

Events

For information on events such as flu shot clinics and webinars, visit the resources and events page.

State Health Plan Highlights for 2020

  • The SAME network will be available in 2020 as in 2019.
  • Employee premiums have been FROZEN for 2020 at the same rate as 2019!
  • If you are enrolled in health coverage under the State Health Plan, you and your eligible dependents will automatically be enrolled in the 70/30 Plan. If you want to enroll in the 80/20 Plan or cancel health coverage, you must make that election during Open Enrollment.
  • The 70/30 Plan has several changes:
    • Preventive services will be covered at 100% ($0 copay)
    • Primary Care Provider (PCP) copay reduced from $45 down to $30 when you visit the PCP listed on your ID card
    • Medical coinsurance and pharmacy maximums will be combined into one maximum out-of-pocket amount
    • Deductibles and some copays will increase
  • The 80/20 Plan remains the same with no changes to any out-of-pocket amounts.
  • The tobacco attestation premium credit activity has been simplified for tobacco users who want to reduce their monthly premium. Tobacco users must commit to visit a CVS MinuteClinic for at least one tobacco cessation counseling session by Dec. 31, 2019, or risk losing the monthly premium credit. However, a voucher is no longer required!
    • ​Tobacco users:  You will need to take the following actions to receive the wellness credit:
      • Complete the tobacco attestation in eBenefits indicating tobacco use and commitment to complete the tobacco cessation counseling session.
      • Take your insurance card to the CVS Minute Clinic for your session.
      • Request and complete the tobacco cessation counseling session by Dec. 31, 2019, or risk losing the credit.
      • Request a receipt that indicates tobacco cessation. 
      • Note: If CVS Minute Clinic provides any other services you will be charged for the visit.
  • The formulary, or drug list of covered medications, changes quarterly, so changes in drug coverage are possible.

NC Flex Highlights for 2020

  • Reference the 2020 NCFlex Enrollment Guide.pdf for plan options and rates.
  • Changes to Dental
    • New plan - Classic
    • Action needed: review the dental plan chart of benefits coverage as changes have been made to the plans.
    • Current participants in High Option Plan for 2019 are automatically moved to the new Classic Plan. Action is required if wanting to change to the new High Option, or Low Option Plans.
    • Current participants in Low Option Plan for 2019 will stay in that plan.  No action needed unless wanting to change to the Classic Plan or High Option Plan.
    • Reference the comparison chart in the 2020 NCFlex Enrollment Guide.pdf for differences 
  • Health Care Flexible Spending Account (FSA)
    • The annual contribution limit is $2,700.
    • You must enroll or re-enroll during open enrollment to participate in 2020.
    • Participants may roll over up to $500 of unused funds into the following plan year (minimum $25 balance). 
      • Example: John has $750 left in his Health Care FSA as of Dec. 31, 2020. Up to $500 of the $750 may be rolled over to the 2021 plan year. The rollover amount may be applied toward eligible expenses incurred by Dec. 31, 2021.
    • Note:  Current participants that elected the Health Care FSA in 2018 for the 2019 plan year that have funds greater than $25 remaining in their account as of Dec. 31, 2019, can roll over their balance of up to $500 to the next plan year.  The roll over amount may be used for eligible expenses incurred until Dec. 31, 2020 and file claims by April 30, 2021.
  • Visit www.FSAStore.com for FSA eligible health products.​
  • Dependent Day Care Flexible Spending Account (DDCSA)
    • The annual contribution limit is $5,000.
    • You must enroll or re-enroll during open enrollment to participate in 2020.​​
  • Term Life Insurance
    • If you/your spouse are not currently enrolled in Group Term Life, during annual enrollment you may purchase $20,000 of coverage (on yourself/your spouse) on a guaranteed issue basis if you were not previously denied coverage. Amounts over $20,000 require EOI.
    • If you/your spouse are currently enrolled in Group Term Life, you may add either $10,000 or $20,000 of additional coverage at each annual enrollment up to the guaranteed issue amount of $200,000 for employees and $50,000 for spouse (no EOI required).  
    • You may elect up to $10,000 of coverage for eligible children without having to provide EOI for 2020.

Reminders:

  • Provide the State Health Plan Required Documentation for any dependents you add to coverage.  
  • Check to ensure any other covered dependents (spouse and/or children) are still listed as verified in the eBenefits system.
  • Verify the social security number for each of your covered dependents.
  • Review/update your beneficiaries.

If You Take No Action

Health Benefits
If you do nothing and you and your covered dependents are enrolled in the Enhanced 80/20 Plan in 2019, you will automatically be enrolled into the Traditional 70/30 Plan for 2020. 

If you do not complete the tobacco attestation, you will pay a higher premium.

NCFlex Benefits
You generally will receive the same coverage in 2020 as you have in 2019 (provided that coverage is available to you and your dependents), except for Flexible Spending Accounts and your dental coverage will be different if enrolled in the High Option Plan for 2019.  To participate in either FSA, you must make an active election, even if you currently participate in one.  To opt the High Option for dental you must make an active election to enroll or changes plans, depending on your 2019 coverage.

Questions?
  • Eligibility and Enrollment Support Center (855) 859-0966 
    • Open Enrollment: Monday – Friday 8:00 a.m. – 10:00 p.m., Saturday, 8:00 a.m. – 5:00 p.m., Sundays, 12:00p.m. – 5:00 p.m.
  • Blue Cross and Blue Shield of NC (benefits and claims): (888) 234-2416
  • CVS Caremark (pharmacy benefits questions): (888) 321-3124
  • UNC Charlotte Benefits Office (704) 687-8134

Ready to Take Action?

Nov. 2-19, Login to eBenefits or make changes using the eBenefits Mobile App.

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