Health Insurance
Full-time employees are eligible for coverage under Union County’s group health insurance plan. Employees may obtain coverage for an eligible spouse and/or dependent children for an additional charge. Premiums are deducted bi-weekly.
Coverage for eligible employees begins the first day of the first full month following the date of hire.
Union County employees have the option to enroll in a PPO plan through Brighton/BlueCross BlueShield. This plan offers services on the BlueCross BlueShield of North Carolina network.
The PPO plan offers preventive care visits covered at 100%, an out-of-pocket maximum to protect you should a catastrophic event occur, and out-of-network coverage if needed. Although out-of-network coverage is available, using in-network providers will save you money. Make mycreatehealth.com be your first stop for your personalized member services website and get the help you need understanding your own health care and treatment options. You can find information about your coverage and claims, find a provider near you, access your digital ID cards, estimate the cost of a medical procedure, earn rewards and much more.
| Plan Provider | Plan Year | Plan Name | Actions |
|---|---|---|---|
| Brighton/BlueCross BlueShield | 2026 | Buy-Up PPO Plan | Select Selected |
| Brighton/BlueCross BlueShield | 2026 | Core PPO Plan | Select Selected |
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DISCLAIMERS
The Plan Document and Summary Plan Description of Union County’s Employee Health Plan, can be viewed 24/7/365 on County Connect. No oral interpretations, past, present or future can change this Plan. The Plan is designed to protect Plan Participants against certain catastrophic health expenses. Union County urges that this document be read carefully. If anything in this document is not clear or questions arise about Plan benefits or Plan claims procedures, the Plan Administrator should be contacted.
The Employer fully intends to maintain this Plan indefinitely. However, it reserves the right to terminate, suspend, discontinue or amend the Plan at any time and for any reason. If the Plan is terminated, amended, or benefits are eliminated, the rights of Covered Persons are limited to Covered Charges incurred before termination, amendment or elimination. Changes in the Plan may occur in any or all parts of the Plan including benefit coverage, deductibles, maximums, copayments, exclusions, limitations, definitions, eligibility and the like.
Health Insurance After Retirement
Any full-time County employee who retires from service under the provisions of the North Carolina Local Government Employee’s Retirement System and immediately prior to retirement, has the last twenty (20) years of creditable service with Union County without a break in service, is eligible for coverage with the County’s group health insurance program on the same basis as active full-time employees.
Upon becoming eligible for Medicare Part A and Part B, the retiree is enrolled in a Medicare Supplement Plan. The supplement premium is paid by the County for the remainder of the retiree’s life.
| Services | In-Network You pay: |
Out-of-Network You pay: |
|---|---|---|
| Deductible (first dollar cost for covered in-network services, see embedded deductible example below) | ||
| Individual / Family | $250 / $500 *embedded | $500 / $1,000 *embedded |
| Coinsurance (after you reach your deductible) | ||
| Plan Pays | 80% | 60% |
| Out-of-Pocket Maximum (includes deductibles, copays, prescription costs, and coinsurance) | ||
| Individual / Family | $3,000 / $6,000 | $6,000 / $12,000 |
| Plan Features | ||
| Preventive Care* | Covered in full | Covered in full |
| Primary Care Visits | 20% after deductible | 40% after deductible |
| Specialist Visits | 20% after deductible | 40% after deductible |
| Urgent Care | 20% after deductible | 40% after deductible |
| Emergency Room | 20% after deductible | 40% after deductible |
| Inpatient Hospital | 20% after deductible | 40% after deductible |
| Outpatient Surgery | 20% after deductible | 40% after deductible |
| Labs and X-rays | 20% after deductible | 40% after deductible |
| Advanced Imaging | 20% after deductible | 40% after deductible |
Refer to the plan documents for the full plan description and out-of-network coverage details. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage.
*Preventive Care is defined by the USPSTF.
| Benefit Cost | Employee Only | Employee + Spouse | Employee + Child(ren) | Family |
|---|---|---|---|---|
| PPO Plan | $17.00 | $167.00 | $112.00 | $216.00 |