Medical Insurance
Please visit the State Health Plan website for full details on the choice of plans
Choice of Traditional (70/30) or Enhanced (80/20)
Coverage Costs:
Traditional 70/30 Plan
| TOBACCO-FREE ATTESTATION | COMPLETED | NOT COMPLETED |
|---|---|---|
| Subscriber Only | $25/month | $85/month |
| Subscriber + Child(ren) | $218/month | $278/month |
| Subscriber + Spouse | $590/month | $650/month |
| Subscriber + Family | $598/month | $658/month |
Enhanced 80/20 Plan
| TOBACCO-FREE ATTESTATION | COMPLETED | NOT COMPLETED |
|---|---|---|
| Subscriber Only | $50/month | $110/month |
| Subscriber + Child(ren) | $305/month | $365/month |
| Subscriber + Spouse | $700/month | $760/month |
| Subscriber + Family | $720/month | $780/month |
Notes:
- If your employment contract is for less than 12 months, contact the Payroll office for monthly rates
- If you are actively employed and you or your dependent(s) are Medicare eligible, the State Health Plan is the primary insurer and the Non-Medicare rates apply. An exception to this would be if you or your dependent(s) are Medicare primary due to end-of-stage renal disease (ESRD)
- The college share for Active Subscribers is $674.54/month
NC Teachers’ and State Employees’ Retirement Benefits
- Teachers’ and State Employees’ Retirement Handbook
- Enrollment is automatic and also mandatory for full-time employees
- Employee contributions are deducted on a pre-tax basis equaling 6% of salary
- College contribution is currently 24.04%
- Death benefit of not less than $25,000 or more than $50,000 based on the employees’ salary is available through the NC Retirement System after the employee has worked for the state for one year.
- Disability benefits for short-term and long-term disability are available (service credit conditions apply)
Voluntary Dental Insurance Provided by MetLife
- Register for MetLife voluntary dental insurance self-service. Once enrolled, you may take advantage of online self-service capabilities with MyBenefits.
- $25 deductible per individual or $75 deductible per family per calendar year (applies to basic restorative and major restorative only)
- Preventive care covered at 100% (includes exams, x-rays, and cleanings twice per calendar year)
- Basic care at 80% (includes extractions, fillings, root canals, and other procedures)
- Major and restorative care covered at 50% (includes crowns, dentures, bridges, oral surgery, and other procedures)
- Orthodontia procedures for dependent children under age 19 coverage: $500 per child lifetime maximum (dependent children are eligible for all other benefits coverage until their 26th birthday)
- Maximum benefit of $1,750 per person per calendar year
Premiums are paid for by employee:
| COVERAGE | COST TO EMPLOYEE |
|---|---|
| Employee Only | $43.31/month |
| Employee & Spouse | $93.50/month |
| Employee & Children | $111.31/month |
| Family | $152.55/month |
Voluntary Vision Provided by Eye Med Vision Care
- Enroll with EyeMed Vision Care
- Preferred Provider Organization with many in-network providers to choose from
- Two plans to choose from: Low Plan (hardware only) or High Plan (full service)
Cost to Employee
| TIER | LOW PLAN | HIGH PLAN |
|---|---|---|
| Employee Only | $6.28/month | $8.56/month |
| Employee + 1 | $10.94/month | $15.05/month |
| Employee + Family | $18.77/month | $25.76/month |
Coverage Low Plan
| LOW PLAN | IN NETWORK | OUT OF NETWORK |
|---|---|---|
| Plan Frequencies | Lenses Every 12 months Frames every 24 months Contacts every 12 months | Lenses Every 12 months Frames every 24 months Contacts every 12 months |
| Eye Exam | - | - |
| Frames - Retail Value | $150; 20% off balance over $150 | $105 |
| Lenses (per pair) | Single, bifocal, trifocal and lenticular: paid in full after $15 copay | Single - $40 Bifocal - $55 Trifocal or Lenticular - $90 |
| Contact Lenses (in lieu of glasses) | $150 (medically necessary contacts paid in full) | $105 (up to $210 for medically necessary contacts) |
Cover High Plan
| FULL SERVICE | IN NETWORK | OUT OF NETWORK |
|---|---|---|
| Plan Frequencies | Exams every 12 months Lenses every 12 months Frames every 24 months Contacts every 12 months | Exams every 12 months Lenses every 12 months Frames every 24 months Contacts every 12 months |
| Eye Exam | $15 copay | Up to $40 copay |
| Frames - Retail Value | Paid in full | $105 |
| Lenses (per pair) | Single, bifocal, trifocal and lenticular: paid in full after $15 copay | Single - $40 Bifocal - $55 Trifocal or Lenticular - $90 |
| Contact Lenses (in lieu of glasses) | $150 includes standard fitting paid in full; up to $40 allowance for specialty fitting (medically necessary contacts paid in full) | $40 allowance for standard and specialty fitting (up to $210 for medically necessary contacts) |
Medical and Childcare Flexible Spending Accounts
- Plan year begins January 1 and ends December 31
- Set money aside on pre-tax basis to pay for planned expenses
- Medical flexible spending account ($2,850/year maximum)
- Childcare Reimbursement ($5,000/year maximum)
- Account access available online for monitoring balance
Deferred Compensation
- NC 401k Plan – Available through the NC Total Retirement Plans to supplement retirement; plans are employee funded
- NC 457b Plan – Available through the NC Total Retirement Plans to supplement retirement; plans are employee funded
Tricare Supplement
- Contact Selman and Company
- Coverage for military retirees and eligible dependents
- Pays secondary to Tricare and reimburses member’s cost shares, deductibles, and excess charges
| COVERAGE | COST TO EMPLOYEE |
|---|---|
| Employee Only | $60.50/month |
| Employee & Spouse | $119.50/month |
| Employee & Children | $119.50/month |
| Family | $160.50/month |
Employee Assistance Plan (EAP)
- Contact McLaughlin Young Group
- Available to address personal or work-related challenges
- Confidential and free to employees
- Help is available 24/7/365 at 800-633-3353
Annual Leave
Earned according to years of employment*/**:
| SERVICE | ANNUAL LEAVE |
|---|---|
| 0-5 Years | (9 hours, 20 minutes/month) 14 days |
| 5-10 Years | (11 hours, 20 minutes/month) 17 days |
| 10-15 Years | (13 hours, 20 minutes/month) 20 days |
| 15-20 Years | (15 hours, 20 minutes/month) 23 days |
| 20 Years + | (17 hours, 20 minutes/month) 26 days |
*Faculty do not earn annual leave
**Annual leave in excess of 240 hours as of June 30 will be converted to sick leave
Sick Leave
- Employees earn 8 hours per month
- Sick leave is cumulative indefinitely
Petty Leave
- Non-exempt employees earn 2 hours of petty leave per month
Group Term Life Insurance
- Craven Community College purchases a $20,000 group term life insurance policy for each full-time and part-time regular employee working at least 25 hours per week
- You can purchase additional amounts on yourself, spouse and/or children at group rates
Pet Insurance
- Available through Nationwide for cats, dogs, birds and certain exotic pets
- For rate information and to enroll, visit Nationwide's designated webpage for Craven Community College
Other Optional Benefits
- State Employees Credit Union Membership (SECU) eligibility
- State Employees Association of North Carolina (SEANC) eligibility
- Cancer, Critical Care, Accident, Short-Term Disability Income, Medical Bridge, and Life Insurance through Pierce Group Benefits