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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:
- Medical Insurance
- Prescription Drug Plan
- Dental Benefits
- Tax$ave 2010; and
- Commuter Tax$ave Program.
During State Health Benefits Program (SHBP) Open Enrollment (October 1 through October 30, 2009)*, you may make changes for yourself and your dependents. However, remember, you are able to make changes for yourself or your dependents for any qualifying life event throughout the year.
The SHBP’s health consultant, Aon Consulting, has been conducting a full legal documentation audit of all subscribers who cover dependents. Subscribers have been required to provide legal documentation verifying a dependent's relationship to the subscriber. This open enrollment period may be a good opportunity for employees to review the individuals covered under their health plans and make any necessary updates.
Our goal is to fully communicate the State's Health Benefits Program (SHBP) and options that supplement cash compensation, providing security for our employees and their families.
* Download a PDF version of Open Enrollment Tri-Fold Announcement
Health Plan Eligibility
Health Benefits
Open Enrollment 2010 Health Capsule
Benefits Under the Domestic Partnership Act
Health Plan Coverage for Eligible Dependents to Age 31
Qualifying Life Events
Dental Plan Enrollment Application **
Medical Plan Enrollment Application **
SHBP State Waiver Form **
Glossary of Terms
Health Plan Resources
Highlights
Union represented employees, without a new contract settlement, have no premium share for NJ DIRECT15. They do, however, have premium share as an HMO participant. There is an 8.6% increase in the HMO biweekly rate for 2010.
Non-union represented employees and union represented employees who have a new contract settlement, the contribution for medical/prescription drug plan is 1.5% of their annual base salary for either the NJ DIRECT15 or HMO regardless of the type of coverage, e.g., Single, etc.
Non-union presented employees and union represented employees who have a new contract settlement and who waive medical insurance but elect to remain in the Prescription Drug Plan, will be required to pay the 1.5% of annual base salary regardless of the type of coverage, e.g., Family, etc.
All dental plan participants have a premium share for either the Dental Expense Plan or Dental Plan Organization. For 2010, the Dental Expense Plan increased by 2%, BeneCare by an average of 18.9%, CIGNA an average of 3.3% and Community an average of 13.45%.
HealthPlex, Horizon and Aetna decreased an average of from .5% to 8.2%.
Also,
- Applicable premiums will be withheld on a pre-tax basis unless you complete a waiver declining the Premium Option (IRC Section 125) for 2010. The forms are available at your Campus Human Resources Benefits Office and will be accepted through October 30, 2009.
- New biweekly medical plan premium HMO rates for union members will be withheld beginning with the January 8, 2010 paycheck.
Employees are permitted to waive SHBP medical and prescription coverage to avoid the 1.5% health contribution from salary – provided the employee has other health care coverage. To waive coverage a SHBP State Waiver Form and a Health Benefits Application must be completed and submitted by October 30, 2009.
For new hires who are non-union represented and union represented who have a new contract settlement, the 1.5% medical contribution will go into effect in the first pay period following the 60 day waiting period.
- New biweekly dental plan premium rates will be withheld beginning with December 11, 2009 paycheck.
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 if an employee was not enrolled in a dental plan as of January 1, 2009, they will not be permitted to change dental plans during this Open Enrollment period.
- Effective January 1, 2010, Medco Health Solutions, Inc. (currently CVS Caremark) will be responsible for the pharmacy benefits management under the SHBP. More information will be provided when it becomes available.
Employee Medical Plan Biweekly Premium Rates
Employee Group Dental Plan Biweekly Premium Rates
Over Age Children of Active SHBP Members - Monthly Rates
Domestic Partnership/Civil Union Biweekly Premium/Imputed Income Rates
Chapter 172 Part-Time State Monthly Active Group
COBRA 2010 Monthly Rates
** The signed and completed application must be received by October 30, 2009 at your Campus Human Resources Office to affect your January 1, 2010 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 at the time of enrollment. If an employee is enrolling a civil union partner or an eligible domestic partner as a dependent, a copy of the NJ Civil Union Certificate or a NJ Certificate of Domestic Partnership dated prior to February 19, 2007, is required at the time of enrollment. Click on the Health Plan Resources link above for a health care provider directory and more information.
Tax$ave Program - Key Information
The Open Enrollment period is from October 1 through October 31, 2009.
It is important to remember if you have the myFBMC Card or are planning to get one, effective January 1, 2010, for Over-the-Counter and prescription purchases, the card will only be accepted at IIAS certified merchants. The myFBMC Card will be continued to be used for all qualified expenses, such as medical and dental copayments. To find out which pharmacy or drugstore near you accepts the card, refer to the IIAS Store List at www.myFBMC.com.
You will also have the opportunity to use the FSA Direct Deposit Form to have your Flexible Spending Account (FSA) reimbursement checks deposited directly into your checking or savings account.
Tax$ave 2010 Newsletter
Tax$ave Fact Sheet
Tax$ave Program 2010 Frequently Asked Questions
Flexible Spending Account Pamphlet
FBMC 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 on the 16th of each month and ending on the 15th of the following month. Employees may enroll using one of the following options:
- Option 1: $230 per month ($2,760 per year) deducted from salary to pay for mass transit commutation costs (mass transit includes train, bus, ferry and vanpool expenses).
- Option 2: $230 per month ($2,760 per year) to pay for parking at work or at park and ride sites. This does not apply to employees already having pretax parking deducted from their paycheck.
The monthly deduction for the Commuter Tax$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:
- Option 1: Visit the Commuter Tax$ave website
- Option 2: Contact the Interactive Voice Response (IVR) telephone at
866-823-3248.
Enrollment/Change/Termination Schedule
Long Term Care Insurance Plan
Please contact your Campus Human Resources Benefits Office for current eligibility and enrollment procedures. Click here for more information.
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