State Health Plan
The State of North Carolina offers a State Health Plan for teachers and state employees. The mission of the Plan is to improve the health and healthcare of North Carolina teachers, state employees, retirees, and their dependents, in a financially sustainable way.
The Plan provides health care coverage to more than 680,000 teachers, state employees, retirees, current and former lawmakers, state university and community college personnel, state hospital staff, and their dependents. The Plan is self-insured and exempt from the Employee Retirement Income Security Act as a government-sponsored plan.
The State Health Plan offers three Preferred Provider Organization (PPO) plans. PPO plans offer the freedom of choice among in-network providers, lower out-of-pocket costs, and a strong emphasis on preventative health. Two of the plans, the Consumer-Directed Health Plan (CDHP) and the Enhanced 80/20 Plan, offer financial incentives for taking steps to improve your health. A 70/30 Plan is also available.
All employees, except those classified as temporary, are offered medical benefits under the State Health Plan administered by Blue Cross and Blue Shield of North Carolina. The Traditional 70/30 Employee-Only coverage is provided free for the employee. Employees can elect the Enhanced 80/20 Plan or the CDHP and pay a premium each month. Employees who wish to enroll their families can do so and pay the additional cost.