Health Coverage

Cape Fear Public Utility Authority recognizes employees have different needs when it comes to healthcare. Therefore, we offer a choice of two medical plans with varying options for health and prescription services. Our plans are offered by the State Health Plan of North Carolina. The State Health Plan is self-funded with claims administration through Blue Cross Blue Shield of North Carolina.

Full-time employees who work a minimum of 30 hours are eligible for coverage. Coverage begins on the first day of the month following your start date and may include employee, spouse, and dependents up to age 26.

Spouses eligible for insurance coverage on another employer health insurance plan will not be eligible for coverage on CFPUA’s health plans.  

Plan options:

80/20 Plan

The 80/20 plan is a PPO (Preferred Provider Organization) utilizing BCBS of North Carolina’s provider network.  

  • Office visits require a co-pay of $10.00 for Primary Care or $80.00 for Specialists.  
  • The annual deductible is $1,250 for individual and $3,750 for family.
  • Hospitalization is covered at 80 % after deductible and $300 copayment are met..
  • Prescription medication copays for Generic and Preferred drug are $5 and $30 respectively.

Click here to view the benefit booklet for the 80/20 plan for employees. 

80/20 Plan: Premium Rates



CFPUA  ContributionPre-tax Deduction
Employee Only$260.98$55.00
Employee/Spouse$483.73$157.25
Employee/Children$328.70$114.78
Employee/Family$489.22$161.76
This plan offers a $30 wellness credit to stop smoking or not smoke. Coverage is available to dependent children up to age 26.


70/30 PLAN

The 70/30 plan for employees is also a PPO plan utilizing BCBS of North Carolina.  

  • Office visits co-pay is $30 for Primary Care or $94 for Specialists.
  • The annual deducible is $1,500 for individual and $4,500 for family.
  • Hospitalization is covered at 70% after deductible and $300 copayment are met.
  • Prescription medication copays for Generic and Preferred drugs are $16 and $47 respectively.

Click here to view the benefit booklet for the 70/30 plan for employees.

70/30 Plan: Premium Rates


CFPUA ContributionPre-tax Deduction
Employee Only$260.98$42.50
Employee/Spouse
$447.98$138.00
Employee/Children$300.58$99.40
Employee/Family $447.87$142.11
This plan offers a $30 wellness credit to stop smoking or not smoke. Coverage is available to dependent children up to age 26.


Quick Links

Provider's website

CFPUA plan information for employees can help you find a doctor or enroll in benefits.