The Judicial Branch participates in the State Health Plan, which offers a choice of three health insurance plans to permanent employees who work at least 20 hours per week. Eligible employees may elect health insurance coverage from one of two preferred provider organization (PPO) plans or a consumer-directed health plan (CDHP). The State Health Plan contracts with Blue Cross Blue Shield of North Carolina (BCBSNC) for use of their network of providers and hospitals.
The two PPO options vary in monthly premiums and out-of-pocket expenses on co-pays, co-insurance and deductibles. The PPO options are called the Traditional 70/30 Plan and the Enhanced 80/20 Plan. The CDHP is made up of two components: a high deductible health plan and a Health Reimbursement Account, or HRA.
Both the Enhanced 80/20 and CDHP plans offer wellness premium credits whereby employees can reduce their monthly premium by completing wellness activities. Wellness premium credits apply only to the employee premium. Wellness activities are described in the plan benefit booklets.
For those working at least 30 hours per week in a permanent or a time-limited position, the State pays the full cost of the premium for employees enrolled in the Traditional 70/30 Plan and most of the cost for those enrolled in the Enhanced 80/20 Plan and the CDHP. The employee pays the cost to cover dependents under all three plans.
Employees working 20-29 hours per week are eligible for the State sponsored health coverage but are responsible for paying the full cost of coverage (employee cost, dependent cost, employer cost). Exception: Magistrates are eligible for health coverage paid by the State, regardless of weekly work hours. The magistrate is responsible for the cost of covering dependents.
Visit the State Health Plan for additional health plan details.