Health Insurance for Postdocs/House Officers
Medical, Dental*, and Vision Plans
Health insurance is offered to postdoctoral scholars and house officers, who are paid through the university payroll system. Blue Cross/Blue Shield of North Carolina underwrites the medical plan, and Student Blue administers the plan. See below for plan information, or visit the Student Blue website for complete details. You can also contact Student Blue customer service at 800-762-8505.
Eligibility
Postdoctoral scholars and house officers who are employed through North Carolina State University and who work at least 30 hours per week (.75 FTE) are eligible to receive health benefits. Employees’ children up to age 26, legal spouses and domestic partners are eligible for coverage.
The Dental Plan is only covered for the enrolled postdoctoral scholar or house officer.
Effective Dates of Coverage
Start of Coverage
Health insurance coverage begins on the first of the month following the hire/contract date.
End of Coverage
Coverage will end on the last day of the month in which employment ends. For example, if the last day of work is March 20, coverage would end on March 31.
Medical, Dental*, and Vision Insurance Monthly Premiums and Enrollment
Medical, Dental*, and Vision Insurance Monthly Premiums
2024-25 Plan Year
Coverage Options | University Cost* | Postdoc Cost** |
---|---|---|
Postdoc/House Officer Only | $465.82 (includes medical, dental and vision) | $0.00 |
Postdoc/House Officer and Spouse | $465.82 (dependent coverage includes medical and vision only) | $434.57 |
Postdoc/House Officer and Child(ren) | $465.82 (dependent coverage includes medical and vision only) | $413.91 |
Postdoc/House Officer and Family | $465.82 (dependent coverage includes medical and vision only) | $848.77 |
*The University pays the premium for BCBSNC and the fee for NC State Student Health Center.
**Postdoc/House Officers pay by bank draft through BCBSNC for dependent coverage.
Enrollment
A completed Postdoc Health Insurance Enrollment form is submitted to UHR Benefits by the hiring department via email at hrsbenefits@ncsu.edu, within 30 days of employment date.
To enroll dependents, you must call Student Blue at 800-762-8505.
Visit HRNow for detailed enrollment instructions.
Plan Benefits
Vision Plan
The vision plan’s benefits are as follows:
- $10 Yearly Eye Exam Copay
- $10 Standard Plastic Lens Copay
- $150 Lenses/Contact Lens Allowance available every 12 months
- $150 Frame Allowance available every 24 months (frame allowance & lenses allowance cannot be combined in a single plan year)
- Vision Plan benefit summary (pdf)
Dental Plan (for the enrolled postdoc/house officer)
The dental plan’s benefits are as follows:
- Deductible: $25
- Annual Maximum: $1,000
- Coinsurance: Preventative – 0% / Basic – 20% / Major – 50%
- Dental Blue Plan Highlights
- Dental Provider Search Tool Flyer (walks members through searching for an in-network dentist through their Blue Connect account)
Postdoc Health Plan
Eligible postdocs and house officers can enroll for health benefits, offered through Student Blue.
Other Information for Post Docs
Retirement Plans
Postdocs may participate in voluntary retirement programs through the UNC System Voluntary 403(b) Plan, UNC System Voluntary 403(b) Plan Program and the North Carolina Public Employee Deferred Compensation 457 Plan.
- UNC System Voluntary 403(b) Plan
- UNC System 457 Plan
- North Carolina Public Employee Deferred Compensation 457 Plan
Leave
Full-time (1.0 FTE) postdocs/house officers earn one day of paid time off for annual leave and one day of sick leave on a monthly basis for a total of 12 days each (i.e., 12 annual leave days and 12 sick leave days) per year. Leave is prorated for part-time postdocs who work half-time or more (.05-.99 FTE). Leave accrual and use must be tracked in the HR Web Leave system. Review Section 9 at Policy, Regulations & Rules for Postdoctoral Scholars for more details on leave.