Health, Dental & Vision

Health Insurance
The Cape Fear Public Utility Authority offers three choices for health insurance under the NC State Health Plan for Teachers and State Employees.

Choose from the Enhanced 80/20 plan, Traditional 70/30 plan or CDHP (Consumer-Directed Health Plan). All plans are administered by Blue Cross and Blue Shield of NC and are BlueOptions plans. 

Blue Options
Blue Options offers you the largest network of doctors and hospitals and the freedom to go outside the network for care. If you use a network provider, you will be responsible for a lower amount of the bill than if you used an out-of-network provider. This plan includes:
  • Annual OB/GYN visits covered at 100% (if preventative)
  • Annual physical exams covered at 100% (if preventative)
  • Mammography screening covered at 100% (if preventative)
  • Pap smears covered at 100% (if preventative)
  • Prostate screening covered at 100% (if preventative)
  • Standard immunizations
  • Benefits


    The Blue Options plans offer a large pharmacy network and convenient co-payments or coinsurance for prescription drugs, and you can save more by purchasing generic drugs. Other options offered to you include:
    • 24-hour health information source
    • Online health care management
    • Programs for:
      • Asthma
      • Diabetes
      • Pregnancy
      • Other chronic conditions
    More Information
    For full benefit information, please visit the BlueConnect website or NC State Health Plan website.

    Generic Drugs
    Generic drug discounts are available. You can view lists of qualifying prescriptions for Walmart and Sam's Club.

    Dental Insurance
    Cape Fear Public Utility Authority offers a dental plan through MetLife. For more information, see the
    dental benefits summary.

    Vision Insurance
    Vision Insurance is provided to full-time employees through Community Eye Care. For more information, see the vision benefits summary.

    Enrolling/Making Changes
    Employees have 30 days from the date of qualifying life event or 30 days from their date of hire to enroll or make changes to their health, dental, vision, AFLAC, flex or life insurance policies.

    Qualifying Life Events
    If you experience a qualifying life event, you must make changes to your health and dental policies within the 30 days of the event. Any change that you make must be consistent with your qualifying event. For example, if you have a child, you may add your child to your health plan.

    Qualifying Events include, but are not limited to:
    • Birth or adoption of a child (or placement of adoption)
    • Change in full-time student status
    • Death of covered dependent
    • Loss or gain of eligibility for insurance coverage for you or a covered dependent due to change in spouse's employment status.
    • Marriage
    Reporting a Qualifying Event
    If you experience the above or any qualifying event, you need to contact the Human Resources Department at 910-332-6698 and provide documentation within 30 days of the event to update your benefit selections. Such documentation can include marriage, birth or death certificates, divorce decree, proof of loss or gain of other coverage. If the 30-day deadline is missed, the employee will have to wait until the Open Enrollment period to make any changes to any policies.

    Open Enrollment
    Open Enrollment is held annually every May. All Cape Fear Public Utility Authority employees will be notified of an upcoming open enrollment period before it begins. If you wish to make changes or enroll in any of the benefit programs, you will be able to do so at this time.

    Coverage and Eligibility
    The Authority has 4 different levels of coverage for you to choose from when deciding your health and dental care needs. You may choose from the following selections:
    • Employee Only
    • Employee/Spouse
    • Employee/Children
    • Family
    Your premium for coverage will depend on the level of coverage you select.

    Dependent Eligibility
    The following dependents are eligible for enrollment:
    • Your spouse
    • Your, or your spouse's dependent children to their 26th birthday
    • A dependent child who is either mentally retarded or physically handicapped and incapable of self support may continue to be covered under the Plan regardless of age if the condition exists and coverage is in effect when the child reaches the age of 19. The handicap must be medically certified by the child’s physician and may be verified annually by BCBSNC.