The State Health Plan offers health benefits to all eligible teachers, state employees, retirees and other individuals identified in the North Carolina General Statutes. The Plan's mission is to provide quality health care products and services for the health and well-being of our members. Through healthy living initiatives, the Plan seeks to empower members to make healthier lifestyle choices and to become partners in addressing their health care needs.
The Plan offers two Preferred Provider Organization (PPO) plans and a Consumer Directed plan. PPO plans offer the freedom of choice among in-network providers, lower out-of-pocket costs (copay only for most in-network office visits) and a strong emphasis on preventive health. The Consumer Directed Plan takes a different approach to health insurance. It is made up of two components: a high deductible health plan and a Health Reimbursement Account, or HRA.
Traditional 70/30 Plan
This plan has higher copays, coinsurance and deductibles in exchange for reduced premiums when you choose coverage for more than just yourself. It is a PPO plan administered by Blue Cross Blue Shield of NC and is identical to the Basic 70/30 plan of the past.
Enhanced 80/20 Plan
The Enhanced 80/20 Plan is the old Standard 80/20 Plan with improved benefits and the opportunity to earn wellness premium credits. It is a PPO plan administered by Blue Cross Blue Shield of NC. A PPO plan offers freedom of choice among in-network providers, lower out-of-pocket costs (copy only for most in-network office visit) and a strong emphasis on preventive health.
Consumer-Directed Health Plan (CDHP)
This plan covers the same medical services as the Enhanced 80/20 and Traditional 70/30 Plans. However, the CDHP deductible is higher. In addition, when you enroll in the CDHP, the State Health Plan sets up an HRA in your name. This account starts with a balance provided by the Plan, which is used to help you meet the deductible.
Click on the link above for additional information. (State Health Plan)