Open Enrollment Information
Welcome to the Human Resources Benefits Open Enrollment Website! This site contains important information designed to assist you in making choices about your:
- 2013 Health Plans
- 2013 Dental Plans
- Tax$ave Program
- Commuter Tax$ave Program
During the State Health Benefits Program (SHBP) Open Enrollment (October 1st until November 9, 2012), you may make general changes (adding and deleting dependents, changing coverage levels,
etc.) or enrolling in a different medical or dental plan. However, remember, you are able to make certain changes for yourself or your dependents for any qualifying life event throughout the year.
2013 Health Plans
Employees will pay the greater of 1.5% of their annual base salary or the
percentage of premium share cost.
Health Plan Highlights
SHBP has added new medical plan vendor choices for the 2013 plan year.
The State Health Benefits Plan Committee approved new medical plans to be offered
through SHBP. Aetna will be offering three new Preferred Provider Organization
(PPO) plans and moving the High Deductible Plans to a PPO platform for
providers. Horizon Blue Cross Blue Shield will offer three new HMO plan choices.
The service areas for the Horizon HMOs are limited to New Jersey, Delaware and
bordering counties in Pennsylvania and New York.
Also effective with the 2013
plan year, the Cigna medical plans; Cigna HealthCare HMO; Cigna 1525, Cigna
2030, Cigna HD1500 and Cigna HD4000 will no longer be offered through SHBP.
Active employees enrolled must select a new medical plan during Open Enrollment
for plan year 2013. Failure to select a new plan during Open Enrollment will
result in no medical coverage for 2013.
Employee Prescription Drug Plan co-payments remain the same for the
current plans. Employees who elect to enroll in the high deductible health
plans are not eligible to enroll in the Employee Prescription Drug Plan.
Instead, the prescription drugs are covered under the High Deductible plan
and count toward the deductible.
Health Savings Accounts (HSAs) are available for the two current
providers offering High Deductible Plans. The HSA can be used for qualified
medical expenses without federal tax liability. However, if employees are
enrolled in the Flexible Spending Account (FSA) through the Tax$ave Program,
they cannot participate in a Health Savings Account. They have the option to
participate in one or the other.
The Health Savings Account is similar to a medical expense FSA. Funds in
an HSA are not lost when the plan year is over unlike funds in an FSA. Feel
free to view the comparison chart at:
Eligible SHBP employees are permitted to waive SHBP medical and
prescription coverage provided the employee has other health care coverage.
To waive coverage that will take effect January 1, 2013, employees should
complete and submit a SHBP State Waiver Form and Health Benefits Application
no later than November 9, 2012 and indicate "Open Enrollment" on the waiver
and enrollment forms.
Available Medical and Prescription Drug Plans
- NJ DIRECT15 with Prescription Drug Program
- NJ DIRECT 1525 with Prescription Drug Program
- NJ DIRECT 2030 with Prescription Drug Program
- Aetna Freedom 15 with Prescription Drug Program
- Aetna Freedom 1525 with Prescription Drug Program
- Aetna Freedom 2030 with Prescription Drug Program
- Aetna HMO with Prescription Drug Program
- Aetna 1525 with Prescription Drug Program
- Aetna 2030 with Prescription Drug Program
- Horizon HMO with Prescription Drug Program
- Horizon HMO1525 with Prescription Drug Program
- Horizon HMO 2030 with Prescription Drug Program
High Deductible Plans
- NJ DIRECT HD4000*
- Aetna HD4000*
- NJ DIRECT HD1500*
- Aetna HD1500*
* Prescription Drugs are subject to deductible and co-insurance.
** The signed and completed application
must be received by November 9, 2012 at your Campus Human Resources Benefits
Services Office to affect your January 1, 2013 coverage.
Employees who are newly married or enrolling in the SHBP for the first time during open enrollment or who are enrolling their spouse as a dependent, are required to provide a copy of the marriage certificate and a copy of the top half of the front page of the employee's most recently filed federal tax return (Form 1040)* that lists the spouse at the time of enrollment.
* If the Form 1040 does not list the spouse or partner, the employee should provide a photocopy of a recent (within 90 days of application) bank statement or utility bill that includes both name of the employee and spouse/partner and is received at the same address. Employees may black out all financial information and all but the last 4 digits of any Social Security numbers.
2013 Dental Plans
The current six DPO dental plans are still available along with the Dental Expense Program.
Dental Plan Highlights
DPO Plan (Dental Plan Organization)
with a network of providers for dental services. When an employee or
dependent uses a DPO dentist, diagnostic and preventive services are covered
in full. Most of the other eligible expenses require a small copayment.
Members must use a provider that participates with the DPO selected to
receive coverage. Be sure to confirm that the dentist or dental facility
selected is taking new patients and participates with the SHBP Employee
Dental Plans, since DPOs also service other organizations.
PPO Plan (Dental Expense Plan)
The Dental Expense
Plan is a PPO plan that allows members to obtain services from any dentist;
however, as a PPO, using an in-network provider will reduce an employee's
costs. After satisfying an annual deductible (no deductible for preventive
services), members are reimbursed a percentage of the reasonable and
customary charges for eligible services.
Employees must remain enrolled in a dental plan
for a minimum of 12 months before they will be allowed to change plans.
This means that an employee who was not enrolled in a dental plan as of
January 1, 2012, will not be permitted to
change dental plans during this Open Enrollment.
**PPO- A health care organization comprised of physicians, hospitals, or
other providers which provide health care services at a reduced fee. PPOs
offer more flexibility by allowing for visits to out-of-network
professionals at a greater expense to the member
Dental Expense Plan- PPO
Dental Plan Organizations- DPO
Community Dental Associates
Horizon Dental Choice
** The signed and completed application must be
received by November 9, 2012 at your Campus Human Resources Benefits Services
Office to affect your January 1, 2013 coverage.
Employees who are newly
married or enrolling in the SHBP for the first time during open enrollment or
who are enrolling their spouse as a dependent are required to provide a copy of
the marriage certificate and a copy of the top half of the front page of the
employee's most recently filed federal tax return (Form 1040)* that lists the
spouse at the time of enrollment.
* If the Form 1040 does not
list the spouse or partner, the employee should provide a photocopy of a recent
(within 90 days of application) bank statement or utility bill that includes
both name of the employee and spouse/partner and is received at the same
address. Employees may black out all financial information and all but the last
4 digits of any Social Security numbers.
Applicable medical, prescription drug and dental premiums will be withheld on
a pre-tax basis unless you complete a waiver declining the Premium Option Plan
(IRC Section 125) for 2013. The forms are available at your Campus Human
Resources Benefits Services Office.
Now is the time to review your
health plan and coverage levels and make all necessary changes that would
benefit you and your dependents.
Tax$ave Program - Key Information
The Open Enrollment period began October 1, 2012 and has been extended thru
November 9, 2012.
UMDNJ employees who are eligible to participate in
the State Health Benefits Program (SHBP) are eligible to participate in
Tax$ave. Employees who already participate must re-enroll during this Open
Enrollment period for calendar year 2013.
Grace Period Extension for Eligible Expenses and Extended Claim Filing Period.
- Employees enrolled in the Unreimbursed Medical or Dependent Care FSAs have until March 15 of the following year to incur eligible expenses for the current plan year.
- The employee has up until April 30 of the following year to submit these claims.
- Any contributions that remain in the account unclaimed after April 30 are forfeited.
The maximum annual allowance that can be set aside for the 2013 plan year is $2,500 for the Unreimbursed Medical FSA and $5,000 for the Dependent Care Account.
The maximum annual allowance that can be set aside for the 2013 plan year is
$2,500 for the Unreimbursed Medical FSA and $5,000 for the Dependent Care
The new WageWorks Healthcare Card®: The WageWorks Healthcare
Card® allows the employee to draw on the annual Medical FSA election amount for
unreimbursed qualifying medical expenses.
The card may be used for
qualifying expenses, such as covered prescription copayments, health plan
deductibles, orthodontics, doctor and emergency room copayments, eyeglasses,
contact lenses, Lasik surgery, and uncovered dentist or other provider fees.
It may also be used for certain eligible over-the-counter medical expenses
at grocery stores, drug stores, and discount stores that are IIAS (Inventory
Information Approval Systems) certified merchants. A list of IIAS certified
merchants is available at www.wageworks.com
Reimbursement of Eligible Over-the-Counter Items Requires a Prescription.
The federal Patient Protection and Affordable Care Act requires a prescription
for any eligible Over-the-Counter (OTC) drug or medicine (except diabetic
supplies) before it will qualify for reimbursement under the Unreimbursed
Medical FSA; such as allergy drugs, pain relievers, cold and cough medicines,
sleep aids, digestive aids, anti-gas medications, baby rash creams and insect
- You must submit a copy of the prescription along with your
Claim Form when filing for reimbursement.
- The prescription is also required when purchasing eligible OTC items
with the WageWorks Healthcare Card®.
- Other OTC items like eyeglasses, wrist splints and bandages, as well
as durable medical items such as crutches and canes continue to be
reimbursed without a prescription.
For an updated list of expenses that are eligible under the FSA, please
Enrolling in a Flexible Spending Account
Internet: Employees can enroll in the Unreimbursed Medical
and/or Dependent Care FSA plans over the Internet at: www.wageworks.com
The deadline for enrollment over the Internet is midnight, November 9, 2012.
Fax: FSA Enrollment Forms may be faxed by the
employee to 866-672-4780. The deadline for accepting faxed enrollment forms
is midnight, November 9, 2012.
Mail: FSA Enrollment
Forms can be mailed by the employee directly to WageWorks, Enrollment
Processing, PO Box 1840, Tallahassee, FL, 32302-1840. The enrollment forms
must be postmarked no later than November 9, 2012. Forms postmarked after
November 9, 2012 will be returned without action.
You will also have the opportunity to use the FSA Direct Deposit Form to have your Flexible Spending Account (FSA) reimbursement checks deposited directly into your checking or savings account.
Tax$ave Fact Sheet
Flexible Spending Plans Flier
WageWorks Enrollment/Change In Status Form
Commuter Tax$ave Program - Key Information
Transit Center, Inc., a non-profit corporation, administers the Commuter
Tax$ave Program under contract with the State of New Jersey. It allows
eligible employees to set aside pre-tax dollars to pay for certain mass
transit and commuter parking expenses. Eligible employees may apply at any
time. The enrollment cycle is continuous beginning the first of each month
and ending on the last day of that month. Employees may enroll using one of
the following options:
- Option 1: The current transit cap remains at $125 per month ($1,500
per year). This amount is deducted from salary to pay for mass transit
commutation costs (mass transit includes train, bus, ferry and vanpool
- Option 2: $240 per month ($2,880 per year) to pay for parking
at work or at park and ride sites. This does not apply to employees
already having pretax parking deducted from their paycheck.
The monthly deduction for the Commuter Tax$ave
Program will be withheld from one paycheck of each month. Deductions
may only be made for use with the employee's personal commutation cost for
going to and from work.
Eligible employees may enroll using one of
the following options:
Enrollment/Change/Termination Schedule (pending)
Long Term Care Insurance Plan
The Prudential Insurance Company of America (Prudential) announced that it
has discontinued sales of group long-term care insurance products
including through the State of New Jersey Long Term Care Plan - effective
August 1, 2012.
Terms and conditions of coverage provided under existing long-term care
insurance policies will not change. This coverage is guaranteed renewable:
as long as premiums are paid on time and benefits are not exhausted,
coverage will remain in place although premiums may change on a class
basis, subject to regulatory review.
Questions related to this announcement can be directed to Prudential's
Long-Term Care Customer Service Center at 888-477-8543, Monday through
Friday, 8:00 a.m. to 8:00 p.m., Eastern time.
Our goal is to fully communicate the benefits plans and options that
supplement cash compensation, providing security for our employees and their