Welcome to 2023 Open Enrollment!

Open enrollment runs Oct. 10-28, 2022, with changes effective Jan. 1, 2023.

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.

There are minimal changes to the State Health Plan and NCFlex benefits for the coming 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 2023 benefit changes and how you can make changes in your coverage below.

Important 2023 Open Enrollment Information

UNC System Group Term Life Insurance and Accidental Death & Dismemberment (AD&D)

The UNC System has partnered with Securian Financial to provide a consolidated life insurance plan that offers coverage for employees, spouses or domestic partners, and dependent children. The links below include important information about what’s available to you. Learn more about the coverage options available to you, special plan features and services and costs for coverage. You can also calculate your estimated monthly premium payment, which will be conveniently deducted from your paycheck.

Effective Jan. 1, 2023, University employees will no longer participate in the life insurance plan offered by NCFlex. As a result, all NCFlex life insurance coverage will be mapped to the existing UNC life insurance plan with Securian Financial. Please see the Open Enrollment FAQs and employee enrollment matrix for more information.

Effective Jan. 1, 2023, the UNC System will also offer AD&D coverage with Securian Financial. This new offering will replace the current AD&D coverage offered by NCFlex. Employees currently enrolled in AD&D through NCFlex will have their coverage automatically mapped to the new UNC AD&D plan for January 2023.

Plan information
Enroll here

2023 Benefit Changes and Updates:

  • No employee premium rate changes for the State Health Plan Base (70/30) and Enhanced (80/20) medical plans. (Note: The State Health Plan is changing the names of the 70/30 and 80/20 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.
  • Flexible Spending Accounts: 2023 health care flexible spending account (FSA) limit is $2,850. The rollover balance is $570. To view your current FSA balance, log into the NCFlex P&A Admin site.
  • NCFlex Updates and Reminders:
    • MetLife Dental rates for the High and Low options will increase for 2023. There are no waiting periods to change dental plans.
    • The Critical Illness plan will be moving to a new vendor, Voya. A new plan option will also be available.
    • The Cancer plan was renewed with Allstate and rates will decrease for 2023.
    • Neither the Cancer and Critical Illness plans require evidence of insurability to enroll.
    • A new high option plan will be available under the Accident plan.
    • Review the NCFlex guide for rate and plan information.
State Health Plan

The State Health Plan will maintain its current premium rates for the 2023 plan year. As in prior years, all permanent employees must enroll in the Enhanced (80/20) plan if you do not want to remain in the Base (70/30) plan for the 2023 plan year.

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 2023 plan year; however, some plans have been enhanced and others may have experienced rate changes. 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, limited purpose health care, and dependent care), which require re-enrollment.  For the 2023 plan year, the Healthcare Flexible Spending Account (FSA) annual limit is $2,850 with a $570 rollover balance.

Other 2023 plan highlights include no evidence of insurability required for the Cancer and Critical illness plans and new plan options under the Critical Illness and Accident plans. Rates will decrease for the Cancer and Critical Illness plans and the High and Low option dental plans will have a rate increase.

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 2023 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.

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 Life, AD&D, Cancer, and Critical Illness plans. These plans will be moving to the new UNC Empyrean platform for 2023 so log in to that system to update your beneficiaries.
  • Update your State Health Plan enrollment from Base (70/30) to Enhanced (80/20) if you do not want to stay in the Base (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.
  • Enroll or 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 Securian Group Term Life and AD&D plans log in to the UNC Empyrean platform.
  • To enroll in the 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 2023?

Did you save your enrollment elections and download your enrollment confirmation statement from BenefitFocus and/or the Empyrean platforms?

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?