Get Your Questions Answered
NCFA offers four medical plan options administered by Blue Cross NC.
You may transfer to the NCFA Plan by submitting a Current Health Census to mcate@cobbsallen.com. Please note that you must notify all impacted employees of this change and allow them the option to opt-out. Employees who wish to change their benefit election must do so by logging in and making the change during Open Enrollment.
Active NCFA members must have at least one common law employee to be eligible for the NCFA Health Plan. Sole proprietors without at least one common-law employee are not eligible to participate in the plan. Please contact Cobbs Allen with questions.
Participation and Eligibility Continued
Under 50 employees
There is no requirement for offering coverage to all employees, nor is there a set amount of money that an employer must contribute toward health coverage.
50 or more employees
An employer must offer coverage to “substantially all” of their employees, meaning a maximum of 5 employees not offered coverage. An employer must offer a plan at a cost that is no more than 8.39% of their employee’s take-home income.
Open enrollment is a Qualifying Life Event. If your employer decides to participate and you are enrolled in another health plan, you may still be eligible to enroll in the NCFA Health Plan. Credit can be given for the deductible you and your family members have already reached on your current health plan. If you are transferring from a BCBS plan, the deductible credit will happen automatically.
Open Enrollment will be held from November 15 - December 12. To enroll, please contact a Cobbs Allen consultant below.
Matt Cate, mcate@cobbsallen.com | 205-874-1226
Samantha Carlisle, scarlisle@cobbsallen.com | 205.874.1227
Members will be responsible for submitting adds/terms/changes of any employees who elected the plan or are terminated each month. This will ensure each group is billed the appropriate amount each pay period. These census updates will be submitted via the group admin's Simon 365 portal.
Questions about the NCFA Health Plan and its benefits can be directed to a Cobbs Allen Benefits Consultant:
Matt Cate, mcate@cobbsallen.com | 205-874-1226
Samantha Carlisle, scarlisle@cobbsallen.com | 205.874.1227