Open Enrollment 2021

Insurance Open Enrollment Period: Oct. 11-29

It is almost time to choose your benefits for 2022. To prepare, think about your needs and health goals for next year and mark your calendars for the open enrollment period. 

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

Additional information on plans, any changes for 2022 and additional resources will be added to this website as soon as it becomes available. 

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:

Employees who are tobacco users and want to earn their monthly health insurance premium credit for 2022 don’t have to wait until open enrollment this fall. They can take action now to save money throughout 2022.

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. 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:

No need to wait for open enrollment in October to secure monthly premium credit for 2022.

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.


Open Enrollment/Benefits Events

UNC Charlotte Benefits Informational Session on Open Enrollment

  • Representatives from the Benefits Office, the State Health Plan and NCFlex presented information and discussed University benefit offerings and any important changes or updates for the 2022 plan year, Wednesday, Oct. 6. A recording of the session will soon be available.

UNC Charlotte Benefits Q&A

  • Representatives from the Benefits Office and NCFlex will be available to answer any Open Enrollment questions you may have. 

State Health Plan Webinars

  • The State Health Plan will be offering numerous webinars for you to learn about your benefits prior to and during Open Enrollment.
  • Dates and times, as well as registration information, are on the State Health Plan website.

NCFlex webinars

  • NCFlex will host several online benefit meetings. You will have the opportunity to submit questions in chat through the webinar with an NCFlex representative. 
  • Dates and times, as well as registration information, are on the NCFlex website.

Fall Health Opportunites for Employees

Flu Vaccine Clinics 

Note: All spots are full. We are working to add more soon!

In partnership with Publix Pharmacy, the University will offer on-campus flu vaccine clinics for employees and students. All clinics will be open 9 a.m. to 3 p.m. Registration is required. 

Those scheduled to date include:

There will be no out-of-pocket costs with major insurance. Be sure to bring your 49er Card and your insurance card with you to your appointment. More information about the flu vaccine and the University's flu vaccine attestation requirement can be found on the Niner Nation Cares website. 


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