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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.

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.

The Dental Plan is only covered for the enrolled postdoctoral scholar or house officer.

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

2024-25 Plan Year

Coverage OptionsUniversity 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
*NOTE: Dental coverage is provided by the university for the postdoc/house officer only, even if dependent coverage is elected. Individual dental plans for eligible dependents may be purchased separately with Blue Cross Blue Shield directly, if desired.
*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

Visit HRNow for detailed enrollment instructions.

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:

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.

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.

Other Resources