Open Enrollment 2021

Insurance Open Enrollment Period: Oct. 11-29

Enrollment period: Oct. 11-29, 2021
Effective date of changes: Jan. 1, 2022

You can enroll in or update the following benefits:

  • Health
  • Accident
  • Cancer and specified disease
  • Critical Illness
  • Dental
  • Vision
  • Flexible Spending Accounts
  • Group term life
  • Accidental death and dismemberment


Login to eBenefits:  Reference How to Enroll section below


  • For the fourth year in a row, there will be no employee premium rate increases for the State Health Plan 70/30 and 80/20 medical plans.
  • Current rates for all NCFlex benefits except for the dental plans will remain the same for the 2022 plan year.
  • Health Care FSA unused funds will roll over from 2021 to 2022.
The State Health Plan will maintain its current employee premium rates for the 2022 plan and will continue to offer two Preferred Provider Organization (PPO) plans administered through Blue Cross Blue Shield of North Carolina — the 70/30 Plan and the 80/20 Plan.

As in prior years, all eligible employees enrolled in the State Health Plan will be automatically enrolled in the 70/30 Plan. Those who wish to enroll in the 80/20 Plan will need to take action during open enrollment.

Additionally, those who would like to reduce their monthly premium by $60 will need to complete the tobacco attestation during the enrollment period. For more information, review the State Health Plan website.
NCFlex will maintain its current benefit offerings for the 2022 plan year. If you do not make changes by Oct. 29, your current elections will roll over at the 2022 rates, except for the Flexible Spending Accounts (FSA). Both the Health Care and Dependent Care FSAs require re-enrollment each year.

Health Care FSA Update
If you were enrolled in the Health Care FSA in 2020 or are currently participating for 2021 and you have a minimum balance of $25, your full amount of unused funds will automatically roll over for the 2022 plan year. You can use these funds even if you do not re-enroll. If you re-enroll in your health care FSA, you can elect to contribute $2,750 to your account in 2022. (Note: Starting with the 2023 plan year, the normal annual rollover amount of $550 will apply.)

For more information, review the following resources and guides:
2022 NCFlex Enrollment Guide - University Employees
NCFlex Product Videos
NCFlex Open Enrollment website

How to Enroll:

  1. Start reviewing your options now for both your State Health Plan and NCFlex Benefits. If you plan to enroll dependents, allow yourself enough time to gather any required documentation, such as dependents’ Social Security numbers and dates of birth.
  2. Beginning Monday, Oct. 11, log onto eBenefits with your NinerNET credentials. 
  3. Follow the online instructions to complete your State Health Plan and NCFlex enrollment.
  4. If applicable, verify your dependents. If you are enrolling your dependents for the first time, make sure you have their Social Security numbers and approved documentation.
  5. Review and update your beneficiaries if applicable for the NCFlex Life, AD&D, Cancer and Critical Illness plans.
  6. Update your State Health Plan enrollment from 70/30 to 80/20 if you do not want to stay in the 70/30 Plan.
  7. Complete the Tobacco Attestation.
  8. Make any changes to your NCFlex benefits.
  9. Re-enroll in the Flexible Spending Account for health care and/or dependent care if you want to participate for 2022.
  10. Save your enrollment changes and print your annual enrollment confirmation statement to confirm that you have made your elections. 

A note for employees who are tobacco users:

Tobacco users can attend a tobacco cessation counseling session at a CVS MinuteClinic or their primary care provider’s (PCP) office for free to earn a lower premium for 2022 if they completed the tobacco attestation during open enrollment. They have until Nov. 30, 2021, to take action. (Note: If employees combine their tobacco cessation visit with another service, there may be a copay.)

This convenient employee option means:

If a CVS MinuteClinic is not convenient, employees can see any provider that offers tobacco cessation counseling as a service.

How it works:

After employees visit a CVS MinuteClinic or a PCP for their tobacco cessation session, the provider will submit a claim on their behalf. To ensure they receive credit for their visit, employees should upload their office visit summary to the “Document Center” located in eBenefits, the plan’s enrollment system. They should make sure to request a copy of their summary during their visit.

During open enrollment, they will need to attest during the online enrollment process. This step is critical to ensure employees receive the lower premium for 2022. This action is ONLY for tobacco users who want to reduce their monthly premium by $60 per month in 2022.

If employees are NOT tobacco users, they will simply attest to not being a tobacco user online during open enrollment, Oct. 11-29, 2021.


If you need assistance making your online elections or want to make your elections by phone, contact:
  • The State Health Plan's Eligibility and Enrollment Support Center at 855- 859-0966.
    • During open enrollment, the hours will be extended:
      • Monday to Friday, 8 a.m. to 10 p.m.
      •  Saturday 8 a.m. to 5 p.m.
If you have other questions or concerns, you can contact:
  • For health care benefits and claims inquiries:
    • Blue Cross and Blue Shield of NC
    • 888-234-2416
    • TTY: 800-442-7028
    • Monday to Friday,  8 a.m. to 6 p.m.
  • For pharmacy benefits questions: 
    • CVS Caremark (888) 321-3124
  • For additional questions: 
    • UNC Charlotte Benefits Office: / (704) 687-8134