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Health & Welfare
Health Insurance
SHP Health Insurance
NC State University offers health insurance to permanent
employees who work at least 30 hours per week (.75 FTE), and
who work 9 or more months per year. Eligible employees may
elect health insurance coverage in the North Carolina Teachers'
and State Employees' Comprehensive Major Medical Plan (State
Health Plan), which is underwritten by the State and administered
by Blue Cross Blue Shield. This is a traditional indemnity
plan. New employees and dependents enrolling when first eligible
are not subject to a waiting period for preexisting conditions
under the plan. The University pays the full cost of the premium
for employees who work at least ¾ time in a permanent
position; employees pay the cost of dependent coverage.
The State of North Carolina Comprehensive Major Medical Plan
is commonly referred to as the State Health Plan (SHP).
Enrollment
Employees must enroll within 30 days of their hire date to
avoid having any pre-existing condition exclusions applied
to their coverage.
Coverage may begin the first of the month following your
hire 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.)
Coverage Options
Employees have three options when selecting their type of
health coverage:
- Employee Only
- Employee Child/ Children: Coverage for an employee and
any number of children (rates are the same regardless of
the number of children covered).
- Employee Family: Coverage for an employee and spouse,
or coverage for an employee, spouse, and any number of children.
Health Insurance Premiums
Effective October 1, 2005, the University contributes $321.14
each month towards the total cost for all permanent employees
who work at least 30 hours per week (.75 FTE), and who work
9 or more months per year.
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University Cost
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Employee Cost
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Total Cost
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Employee Only
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$321.14
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$0.00
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$321.14
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Employee/ Child/ Children
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$321.14
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$200.18
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$521.32
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Employee/ Family
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$321.14
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$480.14
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$801.28
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- All premiums are paid on a pre-tax basis, unless otherwise
requested.
- Employees have the option to drop/add coverage during
Annual Enrollment every August. A waiting period for pre-existing
conditions may apply if enrolling for the first time.
- Federal regulations governing pre-tax benefits prohibit
changing or stopping your coverage during the year unless
you have a qualifying family status change.
>>Employees who work between 20-29 hours per week
are eligible for health insurance; however, they are responsible
for the Total Cost.
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