Health Insurance
Learn more about the health insurance options offered to 蘑菇短视频employees.
FACULTY & STAFF
The State Health Plan offers freedom of choice among in-network and out-of-network providers, lower out-of-pocket costs and a places a strong emphasis on preventive health. There are two health plans available, the 70/30 plan and a 80/20 plan. See below for plan comparisons and information, or visit the for complete details.
- 蘑菇短视频offers health insurance to eligible faculty and staff who work at least 30 hours per week (.75 FTE), and who work on a recurring contract of 9 months or greater. The University pays an employer health insurance premium for employees who work at least .75 FTE in a regular position on a recurring contract of 9 months or greater. Employees pay a portion of employee coverage and the full cost of dependent coverage.
- Eligible faculty and staff who work between 20 hours per week (.5 FTE) and 29 hours per week (.74 FTE) OR those that work 30 hours per week (.75 FTE) or greater but less than a nine month contract or a non-recurring contract are eligible to enroll in the State Health Plan, but must pay full cost for employee coverage in addition to any dependent coverage needed.
- 蘑菇短视频employees have two plans available, the 70/30 PPO plan, and the 80/20 PPO plan.
- New employees MUST enroll within 30 days of their hire/start date. Employees who do not elect to enroll themselves in the State Health Plan within their first 30 days WILL NOT BE ALLOWED TO ENROLL until the next annual enrollment or if they experience a qualifying life event.
- Start of Coverage - Coverage may begin the first of the month following your hire/start date or the first of the second month following your hire date. Employees select which month the coverage will begin. For example, a new employee hired on September 15th may begin coverage on either October 1st or November 1st. Insurance premiums are deducted one month in advance of the coverage effective date. Keep in mind that your choice of effective date may result in a double deduction for the first month. Faculty hired on July 1st, but whose work obligation begins in August, still need to complete their benefits enrollments, including medical and mandatory retirement, within the 30-calendar day enrollment deadline from July 1st.
- End of Coverage - If employment terminates on the 1st through 15th of the month, coverage will end on the last day of the current month. If employment ends between the 16th and last day of the month, coverage will end on the last day of the following month.
- The State Health Plan is a pre-pay plan. Coverage is paid one month in advance through payroll deduction. Visit the to view current rates for health insurance premiums.
- Employees can choose from four coverage levels:
- Employee Only
- Employee + Children
- Employee + Spouse
- Employee + Family (must include spouse and child(ren)
- Enrollment is done through the State Health Plan online enrollment system, via .
- Dependent verification documents are required whenever a dependent is being added to your State Health Plan benefits. These documents must be uploaded within 30 days of your benefits enrollment or change. Failure to provide sufficient documentation will result in delays and the removal of any unverified dependents.
- State Health Plan required documentation
TEMPORARY EMPLOYEES AND ACA
The Affordable Care Act (ACA) requires that anyone working 30 or more hours per week averaged over a 3 month time period must be offered employer-provided health insurance. NC State temporary employees who meet the eligibility criteria will be provided the option to enroll in the High Deductible Health Plan. See below for plan information, or visit the for complete details.
NC State temporary employees who meet the eligibility criteria will be provided the option to enroll in the High Deductible Health Plan.
- The Affordable Care Act (ACA law) requires that anyone hired to work 30 or more hours per week, and for at least 3 months, must be offered the chance to enroll in the ACA health plan within their first 30 days of employment. The offer to enroll in the ACA health plan may also be made after a person has averaged 30 hours per week over a 3 month period.
- Offers are sent as close to the 1st and 15th of the month after the employees hire date as possible.
- For newly hired eligible employees, ACA plan health coverage must be offered within the first 30 days of hire and could begin on the first day of the month following the offer date. For temporary employees not eligible for offer when hired, the Benefits Office will use a 12 month look back period to determine if the temporary employee averaged 30 or more hours per week over the prior 12 month period. If the employee averaged 30 or more hours per week, health coverage must be offered within 60 days and could begin on the first day of the month following the offer date.
- Visit the to view current rates for all plan options and dependent costs.
- Employees will have 30 days from receipt of the ACA health plan offer to enroll in coverage.
- The Marketplace provides another way for employees to purchase health insurance for one鈥檚 self or dependents. Marketplace plans provide many types of options at different price points. Subsidies are available to employees who are not offered health insurance through their employers. For complete information visit .