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Health Insurance & Benefits
Plan Year: December 1, 2025 – November 30, 2026
Benefits Broker: Century Risk Advisors — Pete Gonzalez, 786-358-9538, Pedro.Gonzalez@centuryra.com
Medical — UnitedHealthcare / Neighborhood Health Partnership
HMO DY13 $6,000 Deductible / 100% After Ded
| Tier | Monthly Premium | UNCS Pays | Your Cost | Per Pay Period |
|---|---|---|---|---|
| Employee Only | $789.09 | $400.00 | $389.09 | $179.58 |
| Employee + Spouse | $1,578.18 | $400.00 | $1,178.18 | $543.78 |
| Employee + Children | $1,459.82 | $400.00 | $1,059.82 | $489.15 |
| Employee + Family | $2,248.91 | $400.00 | $1,848.91 | $853.34 |
POS DY1E $3,000 Deductible / 80% In-Network
| Tier | Monthly Premium | UNCS Pays | Your Cost | Per Pay Period |
|---|---|---|---|---|
| Employee Only | $883.90 | $400.00 | $483.90 | $223.34 |
| Employee + Spouse | $1,767.80 | $400.00 | $1,367.80 | $631.29 |
| Employee + Children | $1,635.22 | $400.00 | $1,235.22 | $570.10 |
| Employee + Family | $2,519.12 | $400.00 | $2,119.12 | $978.06 |
Dental — Guardian DentalGuard 2000 PPO
Voluntary, employee-paid
| Tier | Monthly | Per Pay Period |
|---|---|---|
| Employee Only | $39.39 | $18.18 |
| Employee + Spouse | $79.97 | $36.91 |
| Employee + Children | $96.63 | $44.60 |
| Employee + Family | $145.99 | $67.38 |
Vision — Guardian
Voluntary, employee-paid
| Tier | Monthly | Per Pay Period |
|---|---|---|
| Employee Only | $7.17 | $3.31 |
| Employee + Spouse | $12.06 | $5.57 |
| Employee + Children | $12.30 | $5.66 |
| Employee + Family | $19.46 | $8.98 |
Gap Plan — CHUBB
FREE — 100% paid by UNCS for all employees.
Covers 100% of your medical plan deductible for inpatient hospital stays and outpatient procedures.
- HMO DY13 enrollees: Up to $6,000 per covered person (3× per family)
- POS DY1E enrollees: Up to $3,000 per covered person (3× per family)
Changed from American Public to CHUBB effective 12/1/2025.
Plan Summaries
HMO DY13 (NHP) — Plan Details
- Deductible: $6,000 individual / $12,000 family
- Out-of-Pocket Max: $8,000 individual / $16,000 family
- Coinsurance: 0% after deductible (plan pays 100%)
- PCP Visit: $10 copay
- Specialist Visit: $100 copay
- Preventive Care: 100% covered
- Urgent Care: $75 copay
- Emergency Room: $800 after deductible
- Hospitalization: $1,600 per stay after deductible
- Rx (30-day): $10 generic / $40 preferred brand / $140 non-preferred / $300 specialty
POS DY1E (NHP) — Plan Details
In-Network
- Deductible: $3,000 individual / $6,000 family
- Out-of-Pocket Max: $6,000 individual / $12,000 family
- Coinsurance: 20% (plan pays 80%)
- PCP Visit: $25 copay
- Specialist Visit: $90 copay
- Lab Work: $25 copay
- Urgent Care: $75 copay
- Emergency Room: $500 copay
- Hospitalization: 20% coinsurance
- Rx (30-day): $10 / $40 / $140 / $300
Out-of-Network
- Deductible: $5,000 individual / $10,000 family
- Coinsurance: 40% (plan pays 60%)
Dental — Guardian DentalGuard 2000 PPO
- Preventive: 100% covered
- Basic Services: 90% covered
- Major Services: 60% covered
- Deductible: $50 (waived for preventive)
- Orthodontics: Excluded
- Rollover Threshold: $700
- Rollover Amount: $350
- Annual Maximum: $1,250
Vision — Guardian
- Eye Exam: $10 copay
- Frames: $130 allowance (every other year)
- Contacts: $130 elective allowance
- Lenses: Covered annually
Additional Voluntary Coverage
The following are available at group rates through Allstate & Colonial Life:
- Short-Term Disability
- Long-Term Disability
- Accidental Death & Dismemberment (AD&D)
- Critical Illness & Cancer
- Term Life Insurance
- Home & Auto Insurance
Email HR@UNCS.COM for pricing and enrollment.
Eligibility & Enrollment
- Who is eligible: Full-time employees (30+ hours/week) after the new-hire waiting period.
- Dependents: Children to age 26 (medical may extend to 30); disabled children at any age.
- Elections are locked from 12/01/2025 through 11/30/2026 unless you have a qualifying life event.
Qualifying Life Events
You may change your elections within 30 days of:
- Birth or adoption of a child
- Marriage or divorce
- Death of a dependent
- Loss or gain of other coverage
- Change of residence affecting plan availability
- COBRA qualifying event
- Qualified Medical Child Support Order (QMCSO)
Waiving coverage? Complete the digital waiver form below.
Carrier Contact Information
Benefits Enrollment & Changes
Complete this form to enroll, change plans, or waive coverage. Your submission is sent directly to HR — nothing is stored on this site.
Waive Coverage
If you are declining benefits coverage, complete and sign this waiver. Your signed waiver is stored in the UNCS HR SharePoint.
Payroll & Pay
Payroll FAQ
How often do I get paid?
UNCS runs payroll bi-weekly (every two weeks), resulting in 26 pay periods per year. Benefit deductions shown on this page are calculated per pay period.
Where do I see my deductions?
All benefit deductions (medical, dental, vision, 401(k)) appear as line items on your pay stub in the ADP portal. Pre-tax deductions reduce your taxable income.
Who do I contact about pay issues?
Email HR@UNCS.COM for any payroll questions, discrepancies, or direct deposit changes.
401(k) / Retirement
Getting Started
- Enroll: Contact Provenance Wealth Advisors (see below) or HR@UNCS.COM for enrollment forms and information about available investment options.
- Change Contributions: Log in to the provider portal to adjust your contribution percentage at any time.
- Update Beneficiaries: Review and update your beneficiary designations through the provider portal or by contacting your advisor.
401(k) Plan Advisors
UNCS 401(k) is managed by Provenance Wealth Advisors. Contact them for enrollment, investment guidance, and plan questions.
200 E. Las Olas Boulevard, 19th Floor, Fort Lauderdale, FL 33301
Update My Information
Use the forms below to submit changes to HR. All submissions go directly to HR@UNCS.COM.
Change My Address
Update Emergency Contact
Change W-4 or Direct Deposit
Log in to ADP to make changes:
Go to ADP PortalIf you're having trouble accessing your ADP account, contact HR@UNCS.COM for login assistance only.
Did You Know?
Welcome to UNCS
Complete the steps below to get set up. Your manager and HR are here to help with anything you need.
Read the Employee Handbook
Review company policies, expectations, and your rights as a UNCS employee.
Download Handbook (PDF)Complete Your Employee Information
Fill out the form below with your personal and emergency contact details.
Go to FormSign Handbook Acknowledgments
Digitally sign the 4 required policy acknowledgments from the handbook.
Sign PoliciesSign the NDAs
Download, sign, and return both agreements to HR.
NDA & Non-Circumvention (PDF) Non-Compete & Non-Disclosure (DOC)Upload I-9 Documents
Upload your employment eligibility documents (1 from List A, or 1 from List B + 1 from List C).
Upload DocumentsEmployee Information Form
This replaces the paper Employee Information Sheets. All data is sent directly to HR — nothing is stored on this site.
Handbook Policy Acknowledgments
Sign each policy acknowledgment below. Your signature and the signed document are stored securely in the UNCS HR SharePoint.
1. Receipt for Employee Handbook
Not signedI acknowledge receipt of the UNCS Employee Handbook. I agree to read it and understand that employment is at-will and the handbook is not a binding contract.
2. Email & Internet Policy
Not signedI acknowledge receipt of the Email and Internet Policy. I understand the system is company property, I have no expectation of privacy, and I consent to monitoring.
3. Voice Mail Policy
Not signedI acknowledge receipt of the Voice Mail Policy. I understand the system is company property, I have no expectation of privacy, and I consent to monitoring.
4. Telephone Monitoring
Not signedI acknowledge that telephone calls may be monitored and recorded for training, quality control, and business purposes.
I-9 Employment Eligibility Documents
Upload copies of your identity and work authorization documents. All files are stored securely in UNCS HR SharePoint.
Contact HR
Benefits Broker
Pete Gonzalez
Century Risk Advisors
For questions about plan details, provider networks, and claims.
401(k) Advisors
Olga Ismail & Kevin Hurley
Provenance Wealth Advisors
For 401(k) enrollment, contributions, and investment questions.
UNCS Employee Roster
Every phone number and contact you need. Tap any number to call. This roster also serves as the Severe Weather Policy contact list.