03| NC Open Enrollment Part 1 | State Health Plan & Tier Changes

Teaching is hard enough. Your finances shouldn’t be. Welcome to Part 1 of our Open Enrollment series on Take10 for Financial Fitness, hosted by Dave Norman (31-year Durham teacher) and Greg Mitchell (6th-grade teacher & former principal). Navigating health benefits shouldn't feel like decoding secret language. In this episode, we break down the upcoming changes to the North Carolina State Health Plan so you can make confident decisions during open enrollment (October 12–30). WHAT YOU'LL LEARN IN THIS EPISODE: The New 3-Tier System: How preferred (UNC, Novant), access (Duke, WakeMed), and non-preferred tiers impact your out-of-pocket costs. Premium Adjustments: What 10-month educators vs. 12-month state employees actually pay. Pre-Tax Savings: How Flexible Spending Accounts (FSAs) shield $3,000+ pre-tax for medical, dental, and diagnostic fees. Key Protections: Zero-cost Lantern surgical benefits and emergency room caps. OUR CORE MOTTO: "From Financial Stress to Financial Confidence" We believe in "better teaching through better living." Take 10 minutes today to prepare your household before the enrollment deadline! Ask Coach Kennedy your benefits questions or join the 1% Better Community at Take10.Planscope360.com Disclosure: The information provided is for general educational and informational purposes only and is not intended to constitute personalized investment, financial, tax, or legal advice. No investment advisory relationship is established through attendance or participation in this presentation. Individuals should consult with their own qualified financial, tax, and legal professionals regarding their individual circumstances before making any financial or investment decisions.   © Simplicity Group 2026