An Important Message for NCFlex Participants

December 2024

After Enrollment:

What You May Receive from NCFlex Plans

Below is information regarding the NCFlex plans and materials you may receive or be able to access after your enrollment. And be sure to check each benefit section on ncflex.org for certificates, how to file claims, flyers on bonus benefits and more.

Flexible Spending Accounts (FSAs) 

• A convenience card is mailed to first-time users. For those that have both Health Care FSA and Dependent Daycare FSA accounts, only one card is issued. Cards are re-issued only if reported lost or stolen, or once the card expires after three years; the date your card is valid through is listed on it. 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 and mailed to those without a valid email address on file with P&A. A claims kit can be found in the FSA section of ncflex.org also.

Dental 

• Cards with a unique ID will be issued to new employees who enroll and will be re-issued only to existing participants if you transfer to a new job or make changes to your plan. If you do not receive your cards or need additional cards, you can contact MetLife at 1-855-676-9441.
• Generic cards without a unique ID can be printed after logging onto mybenefits.metlife.com using NCFlex as the company name. A generic card can be found in the dental section of ncflex.org also. 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, 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.
• Postcards for the Accident, AD&D*, Critical Illness and Group Term Life* plans will be mailed to new enrollees for 2025.

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 in the cancer section at ncflex.org.
• Allstate also has a portal where you can login to view your coverage and claim information. 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 required during Open Enrollment this year for anyone who was enrolling for the first time and declined the plan when they were initially eligible. If EOI was not completed electronically during OE, you were contacted with instructions on how to continue. If you have not received a notification and still need to complete EOI, 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.

A Webinar to Start 2025 Off Right

First-of-Year Benefits Reminders

Thursday, January 16 | 1 - 2 p.m.

Wednesday, January 22 | 12 - 1 p.m.

Start the year off right by learning everything you need to know about your new benefits. In this informative webinar, we will discuss benefit reminders for the beginning of the year including how to update beneficiaries anytime, view your paystub for accuracy of premium deductions, use your flexible spending accounts, make changes to benefits after a life event, find information for filing claims and receive 1099s from prior year benefit payouts. Two dates and times are offered.

Have You Filed Your Wellness Benefit?

Participants of NCFlex's Accident and Critical Illness Plans, administered by Voya, are eligible for a wellness benefit. This benefit is payable once per year, per covered person for completing an eligible health screening test.

The deadline to file a wellness claim through Voya is six months after the screening or at the end of the play year, whichever is later. If you completed an eligible health screening in 2024 over 6 months ago, December 31, 2024 is your last day to file for this benefit.

If you participate in both plans, you can receive a wellness benefit from each plan for the same screening. Voya does not require documentation for its wellness benefits. You will only need information about yourself or the dependent you're filing for, date of service and the provider's name. Watch the video for more information or learn more about eligible screenings and how to file a claim online.

NCFlex's Cancer Plan, administered by Allstate, also offers a wellness benefit. This benefit is payable once per year, per covered person and does not have a filing deadline, but documentation is required. Access your account by visiting mybenefits.allstate.com.

Reach out to ncflex@nc.gov with any questions.

Help to Bridge the Pay Date Shift

If the December pay period shift has disrupted your financial plans, SECU is offering a low-interest loan exclusively to state employees to help cover your bills and expenses.

• Get up to $1,000 at 5.00% APR a loan designed exactly for you
• Repayable over six months
• Apply between December 10-30, 2024

For those who are not SECU members, eligible state employees can join today and apply for the loan. For more information or to apply, employees can call the SECU Lending Contact Center: 844-296-4831.

APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Payment Example: A loan amount of $1,000 for a 6-month term at 5.00% has 5 monthly payments of $169 and one final payment of $168.33. To be eligible for this discount, members must be a current full-time employee of the state of North Carolina (including public school employees) and members’ state payroll of the Department of State Treasurer must be on direct deposit with SECU (if on partial direct deposit, total monthly direct deposit amount must be $500 or greater). Additional terms and conditions apply.

Be Sure to Spend Your Flexible Spending Account Funds

Remember that your deadline to spend funds from your 2024 Health Care Flexible Spending Account (HCFSA) is December 31, 2024. Any funds over $610 will be lost on January 1, 2025.

If you have at least $25 in your account, up to $610 will roll over to the new year. Additionally, you don't have to be enrolled in the HCFSA for 2025 for 2024 money to roll over and remain in your account.

For those with a Dependent Day Care Flexible Spending Account (DDCFSA), your deadline to spend funds from 2024 is March 15, 2025. This plan has a grace period instead of a rollover, so all funds remaining in the account on March 16, 2025 will be lost.

The deadline to file 2024 claims is March 31, 2025 for both FSAs. Learn more about FSAs on our website or find out how to file claims.

SECU Offers Assistance for Members Impacted by Hurricane Helene

As our state continues to recover and rebuild from the destruction of Hurricane Helene, State Employees’ Credit Union (SECU) is here to help.

For members still on the road to recovery, SECU may be able to offer financial assistance.

Personal loan options are available to assist members. Contact a local SECU branch or the Lending Contact Center at (844) 296-4831 for more information and to apply.

Auto loans are available should SECU members need to replace a vehicle damaged by flood or storm. Members may contact their local branch or the Lending Contact Center for more information and to apply.

Mortgage loan assistance may be offered to qualified SECU members who have experienced hardships due to the storm in eligible FEMA-declared disaster areas. Call (877) 835-2567 for more information and to apply.

If you have a loan or credit card with SECU and need temporary help making payments or other assistance due to the storm, call (877) 835-2567 to discuss options that may be available.

SECU members can also begin preparing to receive funds from their homeowner's insurance claims by reviewing this Loss Draft Packet, which contains contact information for assistance with the claim process for SECU mortgage loans.

Stay Safe from Disaster Scams

Unfortunately, some people may try to take advantage of disaster victims. A common home repair scam involves someone showing up at your property and offering to do repair work. They ask for funds upfront to purchase supplies, and once you have paid them, they never return. Be wary of requests to pay upfront. Before hiring someone, check references, insurance, and licenses.

Additional hurricane relief resources are also available.