An Important Message for NCFlex Participants

December 2022

Please take a moment to share your feedback

We'd love to hear how enrollment went this year, topics you'd like to hear more about and your preferred way to learn about benefits. Your feedback is valuable in helping us improve resources to empower you to better understand and utilize your NCFlex benefits in the future.


Please keep in mind, NCFlex benefits are separate from your State Health Plan and Retirement benefits. If you have concerns or questions on these topics, please visit www.shpnc.org or www.myncretirement.com.

NCFlex 2022 Member Survey

NCFlex January Webinar -

First of Year Benefit Reminders

In January, we will discuss benefit reminders for the beginning of the year including how to update beneficiaries when needed, viewing your paystub for accuracy of premium deductions, how to use your FSA, making changes to benefits when you have a life event and receiving 1099s for benefit payouts. 


Join us to get a fresh start on the new benefits year during one of our January sessions:

January 12, 1 - 2 p.m.
January 17, 12 - 1 p.m.

Register on our Webinar Page or from the above links. We will also post the recordings on the Webinar Page after the event. Bookmark the page for later use. Please email us at ncflex@nc.gov with any questions.

After Enrollment: NCFlex ID Cards and EOIs

Here is some information regarding the NCFlex plans and materials you may receive or be able to access after your enrollment:


Flexible Spending Accounts -

  • A convenience card is mailed to first-time users (for those that have both HCFSA and DDFSA, only one card is issued) and only re-issued if reported lost or stolen, or once it expires after three years (your “Valid Thru” date is listed on the card). For security, please note these cards come in plain envelopes with minimal markings.
  • Additional cards can be requested by logging onto ncflex.padmin.com or by calling 1-866-916-3475. Note that a claims kit will be emailed to all participants (mailed to those without a valid email address on file with P&A) and can also be found in the FSA section of ncflex.org.

Dental -

  • Cards with a unique ID will be issued to new employees who enroll and will only be re-issued to existing participants if you transfer to a new job or make changes to your plan. If cards were not/are not received or additional cards are needed, contact MetLife at 1-855-676-9441.
  • Generic cards (without a unique ID) can be printed after logging onto mybenefits.metlife.com (the company name is NCFlex). A generic card can also be found in the dental section of ncflex.org.  Cards are only required the first time you visit your dentist or if you change dentists.

Vision -

  • Cards are only mailed to new participants. Additional cards can be accessed by logging onto www.eyemedvision.com/NCFlex, by logging into the EyeMed app or by calling 1-866-248-1939. ID cards are not required to visit a provider.

Accident, Critical Illness, AD&D* and Group Term Life* -

  • Certificates, claim forms, and other information can be found in each plan's section of ncflex.org. ID cards are not provided for these plans and are not required. New certificates for Accident and Critical Illness will be posted as soon as they are available with changes for the 2023 plan year.
  • The Critical Illness plan will change vendors effective 1/1/2023 from Allstate to Voya. Postcards will be mailed to everyone enrolled in the Critical Illness plan as of 1/1/2023.
  • Postcards for the Accident, AD&D and Group Term Life plans will be mailed to new enrollees for 2023.
  • If you enrolled in Group Term Life for the first time (above $20,000) or increased your amount above the guaranteed issue amount, you may have already received an Evidence of Insurability (EOI) to complete and send back to Voya. EOI forms were sent via email to those with a valid email address and mailed to those without a valid email address.

Cancer -

  • Welcome letters are mailed to new participants and to anyone who makes a change to their coverage during open enrollment. Certificates, claim forms, and other information about these plans can be found at ncflex.org.
  • Allstate also has a portal where you can view your personal coverage and claim information: Log into your account. ID cards are not provided for this plan and are not required.

Disability* -

  • There are no mailings for this plan; however, plan details and vendor contact information can be found in the disability section of ncflex.org.
  • EOI was only required during Open enrollment this year for anyone who was enrolling for the first time and had been previously denied. If EOI was not completed electronically during OE, you may still have time and should contact The Standard at ncflex@standard.com.


*Employees of the University System of NC are not eligible to participate in the NCFlex AD&D, Group Term Life or Disability plans for 2023. These benefits are offered directly through your employer. For questions on the benefits available to you, contact your HR department.

Get ready for your HCFSA 

rollover


Take a look at frequently asked questions for Flexible Spending Accounts in P&A's 2022 FAQ Document.


The deadline to spend your HCFSA money OVER the $550 rollover is Dec. 31.

More ways to spend your Health Care

Flexible Spending Account


Don't let the holidays get you stressed. If your doctor feels you have a medical condition that can be treated with exercise programs or equipment, and/or massage therapy, have him or her complete a  Letter of Medical Necessity Form to get approval to use your Flexible Spending Account money.


Learn about more items that are eligible by reviewing  this list. Consider using your convenience card at FSAStore.com on hundreds of eligible items.

Estate Planning – Are You Covered?

Estate planning allows you to determine who will receive your assets when you pass away and who can act on your behalf if you cannot make decisions for yourself. It’s an important topic, and State Employees’ Credit Union (SECU) is committed to helping our members meet their estate planning needs.


SECU trust representatives hold the Accredited Trust and Financial Advisor (ATFA) certification, which is earned after completing additional training through Trust Advisors Institute. Trust representatives can discuss a range of trust and estate planning topics, including the corporate trustee and corporate executor services offered by SECU Trust Services through Members Trust Company (MTC). Upon your incapacity or death, SECU Trust Services through MTC can step in to ensure your assets are managed as you wish, while removing the administrative burden from your loved ones.


Estate planning is an essential piece of a sound financial plan. SECU members can make an appointment to speak with an SECU trust representative to discuss estate and incapacity planning, as well as information on common estate planning documents an attorney might draft, including:

• Will that may contain trust provisions

• Revocable Living Trust

• Durable Power of Attorney

• Health Care Power of Attorney and Living Will

• HIPAA Authorization


For more details, please contact your local SECU branch and ask to speak with a trust representative.


Trust Services offered through Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Trust products are not Credit Union deposits, are not insured by the NCUA or any other federal government agency, are not obligations of or guaranteed by the Credit Union, Members Trust Company or any affiliated entity, and involve investment risks, including the possible loss of principal. The material above is for educational purposes only and is not intended to provide legal or tax advice regarding your situation. For legal or tax advice, please consult your attorney and/or tax professional.

Content provided by State Employees’ Credit Union