Open Enrollment 2019

Insurance Open Enrollment: Sept. 29-Oct. 31, 2018

The University of North Carolina System Welcome to Open Enrollment

It’s time to choose your benefits for 2019. 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: Sept. 29 to Oct. 31, 2018
Effective date of changes: Jan. 1, 2019 
Open Enrollment Guide

 

 

 

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 

Last Flu Shot Clinic (Nov. 7)

  • 7:30 a.m. - 3 p.m.
  • Lucas Room, Cone Center  

Click here to view more events

State Health Plan Highlights for 2019

  • Employee state health insurance premiums held steady for the second year in a row!
  • 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.
  • There is one wellness credit: the tobacco attestation. You must complete the attestation for either the 70/30 plan or 80/20 plan by Oct. 31 to receive your premium credit. 
  • The tobacco attestation premium credit activity has changed for tobacco users who want to reduce their monthly health insurance premium. Now, tobacco users must commit to visit a CVS Minute Clinic for at least one tobacco cessation counseling session within 90 days after the last day of Open Enrollment or risk losing the monthly premium credit.
  • Changes to the 80/20 Plan:
    • The out-of-pocket maximum has changed from a separate medical and pharmacy out-of-pocket amount to a combined medical and pharmacy out-of-pocket maximum, which totals $4,890.
    • There has also been a change in the specialist and inpatient hospital copays.
    • Reference the 2019 State Health Plan Comparison for details.
  • The formulary, or drug list of covered medications, changes quarterly, so changes in drug coverage are possible.
  • Before the end of the year, all members will receive a new State Health Plan ID card, regardless of actions taken during Open Enrollment. 

NC Flex Highlights for 2019

  • You may enroll or increase your Cancer and Specified Disease Insurance coverage without providing Evidence of Insurability (EOI).
  • Health Care Flexible Spending Account (FSA)
    • The annual contribution limit is $2,650.
    • You must enroll or re-enroll during open enrollment to participate in 2019.
    • 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, 2019. Up to $500 of the $750 may be rolled over to the 2020 plan year. The rollover amount may be applied toward eligible expenses incurred by Dec. 31, 2020.
    • Note:  Current participants that elected the Health Care FSA in 2017 for the 2018 plan year that have funds greater than $25 remaining in their account as of Dec. 31, 2018, 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, 2019 and file claims by April 30,2020.
  • 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 2019.​
  • Term Life Insurance
    • ​If enrolled, you may increase your coverage by $20,000 with no health questions required, up to the guaranteed issue amount. 
    • If not enrolled, you/your spouse may enroll in $20,000 with no health questions asked (if not previously denied coverage).
    • Additional coverage above the guaranteed amounts require Evidence of Insurability (EOI).
    • You can cover each of your eligible children in the amount of $5,000 or $10,000.

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 2018, you will automatically be enrolled into the Traditional 70/30 Plan for 2019. 

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

NCFlex Benefits
You generally will receive the same coverage in 2019 as you have in 2018 (provided that coverage is available to you and your dependents), except for Flexible Spending Accounts.  To participate in either FSA, you must make an active election, even if you currently participate in one.

Questions?
If you have any questions about Open Enrollment, call the Eligibility and Enrollment Support Center at (855) 859-0966.

Ready to Take Action?

Login to eBenefits or make changes using the eBenefits Mobile App.

Instructions for making elections

Quick Links