Welcome to the 2021 Open Enrollment Website!

Open enrollment is the time of year to ensure current elections best meet the needs of you and your family. In addition to reviewing your benefits, consider other items such as verifying your beneficiaries or contributing to your retirement savings.

2021 Open Enrollment is Oct. 15-31, 2020. During this period you can make changes to your State Health Plan, NCFlex, and UNC Voluntary plans. Open enrollment changes include enrolling in a benefit for the first time, adding or removing dependents, or cancelling coverage. Changes you make during Open Enrollment are effective Jan. 1, 2021.

There are minimal changes to the State Health Plan and NCFlex benefits for the 2021 plan year. In addition to open enrollment information provided to you by your institution, open enrollment materials will be mailed to employees’ homes from the State Health Plan and NCFlex.

Learn more about 2021 benefit changes and how you can make changes in your coverage below.

Changes for 2021:

  • No employee premium rate changes for the State Health Plan 70/30 and 80/20 medical plans.
  • Employees can complete the Tobacco Cessation counseling requirement before annual enrollment to receive the $60 tobacco wellness credit. For more information and instructions, see the links under the State Health Plan heading.
  • 2021 Health Care Flexible Spending Account limit is $2,750. The rollover balance increases from $500 to $550.
  • NCFlex MetLife Dental rates will decrease for the Low, Classic, and High options.
State Health Plan

The State Health Plan will maintain its current premium rates for the 2021 plan. As in prior years, all permanent employees must enroll in the 80/20 plan if you do not want to remain in the 70/30 plan for the 2021 plan year.

In addition to no rate change for 2021, the Health Plan is enhancing benefits to help reduce co-pays and other out of pocket expenses for medical and prescription drug services. Click on the following links for more information about plan benefits, opportunities to attend online enrollment meetings, and to complete the Tobacco Cessation program notification for tobacco users to receive the $60 tobacco wellness credit.

NCFlex Plans

NCFlex will maintain its current benefit offerings for the 2021 plan year. If you do not enroll for the first time or make a plan change, your current benefits will roll over, except for the Flexible Spending Accounts (health care and dependent care), which require re-enrollment.  For the 2021 plan year, the Healthcare Flexible Spending Account (FSA) annual limit is $2,750 with a $550 rollover balance.

NCFlex will send enrollment communications to employees’ homes throughout open enrollment. Additionally, employees can attend open enrollment education sessions.

Other 2021 plan highlights include no evidence of insurability required for the Cancer and Critical illness plans; reduced premiums for the MetLife Dental Plan, and extension of FSA eligible expenses to include over-the-counter medications.

For benefit plan information, click on the University NCFlex Guide or visit the NCFlex website.

Income Protection Plans

In addition to the health and welfare plans that are offered, the University also extends disability plan benefits through Lincoln for employees enrolled in the Teacher and State Employees’ Retirement System (TSERS) and The Standard for employees in the Optional Retirement Plan. Take this opportunity to consider enrollment in these significant benefits. Each benefit will pay up to 66 2/3%.  The benefit also supplements disability benefits available to you through TSERS for employees with at least one year of service.

For more information about these plans visit Income Protection Benefits on the UNC System HR website.

MetLife After-Tax Life Insurance Plan

Employees at the UNC System Office, UNC-Chapel Hill, NC State University, UNC Greensboro, UNC Health, and UNC Press have the opportunity to change their life insurance coverage under the enhanced University of North Carolina System Plan. For more information about plan benefits and enrollment information, visit the Plan information page and select Group Term Life Insurance.

As a reminder, the benefits listed represent the core plans offered by the State of North Carolina and the University of North Carolina System. Contact your institution’s benefits representative for other supplemental benefits that may be available at your campus.

How to Enroll:

Log into the Single Sign-On for your institution and follow the online instructions to complete your State Health Plan and NCFlex enrollment.

  • Verify your dependents. If you are enrolling dependents for the first time, make sure you have their Social Security numbers, and approved documentation. For a complete list of approved documents go to State Health Plan – eBenefits and select List of Required Documentation for Dependent Eligibility.
  • Review and update your beneficiaries if applicable for the NCFlex Life, AD&D, Cancer, and Critical Illness plans.
  • Update your State Health Plan enrollment from 70/30 to 80/20 if you do not want to stay in the 70/30 Plan.
  • Complete the Tobacco Attestation. For Tobacco users to receive the $60 wellness credit, you must follow the instruction for the Tobacco Cessation requirement.
  • Re-enroll in the Flexible Spending Account for health care and/or dependent care.
  • Save your enrollment changes and print your annual enrollment confirmation statement to confirm that you have taken an enrollment action.
  • To enroll in the UNC MetLife Group Term Life plan or Income Replacement plans (The Standard Disability or The Lincoln) click on the links for benefit information and enrollment forms.

Are You On Target to Reach Your Retirement Goals?

During enrollment, you’ll be thinking about the health benefits you need for the coming year. It’s also a good time to think about your retirement benefits.

National Retirement Security Week is Oct. 18-24. This week is the perfect time to consider your participation in the UNC retirement program and whether you are on target to reach your financial goals. ICMA-RC has several activities and ideas online. In addition, take advantage of these UNC resources:

  • CAPTRUST – All UNC System retirement program participants have access to CAPTRUST’s independent financial advisers. These advisors can help you plan for retirement and help you choose the right investment options offered under the UNC System retirement program. Visit captrustadvice.com or call 800-967-9948.
  • UNC’s Supplemental Retirement Plans offer another way for you to boost your savings even more. Learn more about the UNC Supplemental Retirement Plans and how they can help you reach your personal retirement savings goals.

Enrollment Reminders

Did you complete the Tobacco Attestation?

Did you re-enroll in the Flexible Spending Accounts for healthcare and daycare for 2021?

Did you update your beneficiaries?

Did you save your enrollment elections and download your enrollment confirmation statement from BenefitFocus?

Did you consider participating or increasing contributions into a UNC System Supplemental Retirement Savings plan with TIAA or Fidelity?