Welcome to the 2022 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 increasing your contributions to your retirement savings.

2022 Open Enrollment is Oct. 11-29, 2021. 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, 2022.

There are minimal changes to the State Health Plan and NCFlex benefits for the 2022 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 2022 benefit changes and how you can make changes in your coverage below.

2022 Benefit Changes and Updates:

  • 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 below.
  • New! NCFlex is hosting a virtual benefits fair. The fair is open to all benefit-eligible employees and will run Oct. 4-29. To learn more, visit the UNC System NCFlex Virtual Benefits Fair.
  • Flexible Spending Accounts: 2022 Health Care Flexible Spending Account limit is $2,750. The rollover balance is $550. A temporary extension has been granted to allow an unlimited rollover of 2021 health care FSA funds into 2022. The extension is the result of the Consolidated Appropriations Act in response to the COVID-19 pandemic. To view your current Health Care Spending Account balance, log into the NCFlex P&A Admin site.
  • NCFlex Updates and Reminders: MetLife Dental rates for the Low and Classic options will return to 2020 rates. Dental rates for the High option will increase. There are no waiting periods to change dental plans. Also, for the Cancer and Critical Illness plans, evidence of insurability is not required to enroll. Review the NCFlex guide for rate and plan information.
State Health Plan

The State Health Plan will maintain its current premium rates for the 2022 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 2022 plan year.

In addition to no rate change for 2022, the Health Plan is enhancing benefits to help reduce co-pays and other out of pocket expenses for medical and prescription drug services. Members who select a Clear Pricing Project (CPP) provider as their primary care provider (PCP) will have no copay. View the chart to see your out-of-pocket copay savings by selecting a CPP provider. To determine if your provider is in the Clear Pricing network go to SHP website and scroll down to Finding a CPP Provider.

Click on the links below for more information about plan benefits, opportunities to attend online enrollment meetings, and Tobacco Attestation Information to receive the $60 tobacco wellness credit.

NCFlex Plans

NCFlex will maintain its current benefit offerings for the 2022 plan year. If you do not enroll for the first time or make a plan change, your current benefitscover of NCFlex benefits guide will roll over, except for the Flexible Spending Accounts (health care and dependent care), which require re-enrollment.  For the 2022 plan year, the Healthcare Flexible Spending Account (FSA) annual limit is $2,750 with a $550 rollover balance.

Other 2022 plan highlights include no evidence of insurability required for the Cancer and Critical illness plans;  extension of FSA eligible expenses to include over-the-counter medications; and temporary extension of FSA-eligible equipment to include protective personal equipment (PPE) such as hand sanitizer, gloves, sanitizing wipes until December 31, 2022.

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

NCFlex will send enrollment communications to employees’ homes throughout open enrollment. Several online webinars for employees to learn more about the plans and changes for 2022 will also be available.

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 and contact your Institution’s University Benefits Administrator for enrollment information.

MetLife After-Tax 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 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.

New for 2022: UNC System After-Tax Life Insurance Plan

A new life insurance carrier and plan will be introduced to all university employees in 2022. If you are currently employed with UNC System Office, UNC-Chapel Hill, NC State University, UNC Greensboro, UNC Health or UNC Press and are currently enrolled in the MetLife plan, your new coverage will begin on January 1, 2022. For all other UNC institutions, coverage will be effective on April 1, 2022, following an open enrollment period.

More information about this new plan and all of your options will be coming in early 2022.

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 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 as part of your State Health Plan enrollment in eBenefits. 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.

The month of October is designated as National Retirement Security Month. This is a great time to make sure your retirement savings and investments are still on track to meet your future goals. Learning more about specific financial needs in retirement is a good place to start and can help you make more effective decisions. Grow your financial knowledge by registering for one or more live webinars offered by TIAA, Fidelity, and/or CAPTRUST to learn more about ways to save and retire securely. A full list of upcoming webinars provided on The PIER – Investor Corner webpage.

This is the perfect time to consider your participation in the UNC retirement program and whether you are on target to reach your financial goals. 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 2022?

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

Did you update your beneficiaries?

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

Did you participate in a NCFlex or State Health Plan enrollment information webinar?

Did you check to see if your PCP is part of the State Health Plan’s Clear Pricing Provider Program for co-pay savings?

Did you participate in the NCFlex Virtual Benefits Fair?