North Carolina State Health Plan Enrollment: Sep. 30 - Oct. 31, 2017
There are two State Health Plan options for 2018, all are pre-tax deductions:
See the 2018 Monthly Premium Rates
Important change: All employees who are currently enrolled in a health plan (including new hires) will default to the Traditional 70/30 plan effective Jan. 1, 2018. Employees who want to select the 80/20 plan or wish to earn the wellness credit discount must take action before Oct. 31 or they will remain on the 70/30 plan and will pay for employee-only coverage.
Wellness Premium Credit
The Wellness Premium Credit is an acitivity employees must complete during open enrollment to receive a discount on monthly premium costs.
What is changing in 2018?
The State Health Plan Board of Trustees approved the following benefit changes effective January 1, 2018:
Setting employee-only base premiums for the Traditional 70/30 Plan at $25 per month, and for the Enhanced 80/20 Plan at $50 per month as long as employees participate in the Tobacco Attestation Wellness Credit. Employees who do not complete the tobacco attestation activity during open enrollment will pay $110 a month for the 80/20 plan and $75 a month for the 70/30 plan.
- This puts North Carolina more in line with other, comparable states and creates a more balanced approach for spreading cost increases across the population and promoting long-term financial stability. Non-Medicare retirees will not be required to complete the tobacco attestation or pay a premium for the Traditional 70/30 plan.
Freezing family health care premiums
- This is an initial step to improving the affordability of Plan benefits for families. Unlike many other states, North Carolina does not subsidize dependent care coverage, resulting in 80 percent of Plan members choosing individual coverage.
Eliminating the Consumer-Directed Health Plan (CDHP 85/15)
- This will reduce complexity and provide long-term financial stability. This plan is known as the “richest” and, as such, presents a significant liability to the state. Because the CDHP is being eliminated, the Health Reimbursement Accounts (HRA) will not rollover for use in 2018. The HRA funds will only be available for claims incurred in 2017 and submitted for processing before March 31, 2018.
Reducing the wellness premium credit activities from three activities to one, and only keeping the tobacco attestation activity
- This is designed to reduce complexity and minimize the potential for members to make a mistake during enrollment which may lead to higher premiums.
The Plan is constantly evaluating and realigning programs to provide the best return on investment as well as reduce complexities and build value for all health plan members. At this time, we are making the following changes:
Discontinuing the maternity incentive program, Stork Rewards, effective March 31, 2017
- No new members will be able to enroll in the program after this date. Those members currently enrolled and who meet the criteria to receive the incentive will be able to do so. The Plan will continue to offer maternity coaching available through NC HealthSmart.
Discontinuing to subsidize the cost of the Diabetes Prevention Program and Eat Smart, Move More, Weigh Less (ESMMWL) for its members
- Plan members will continue to have lifestyle coaching available through our population health management program, NC HealthSmart. Members may also visit a local in-network dietitian to discuss their risk for diabetes or receive assistance with weight management, as allowed under their benefit plan.
The Plan has several online resources for members, like the Diabetes Resource Center, available on the Plan’s website. The Plan will continue to provide resources and information through their monthly newsletter Member Focus.