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 Benefits

Open Enrollment Information


Get quick answers to your Benefits questions at benefits@umdnj.edu.

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  

Cost

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: http://www.state.nj.us/treasury/pensions/pdf/hb/fsa-hsa-comparison.pdf 

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

PPO 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

HMO Plans

  • 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)

DPOs contract 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

Available Dental Plans

Dental Expense Plan- PPO

Dental Plan Organizations- DPO
Aetna DMO
BeneCare
CIGNA DHMO
Community Dental Associates
Healthplex
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.

Additional Information

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 Account.

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 bite treatments.

  •  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 visit: www.wageworks.com 

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$ave 2013Newsletter
http://www.state.nj.us/treasury/pensions/pdf/taxsave/taxsavenews.pdf
Tax$ave Fact Sheet
http://www.state.nj.us/treasury/pensions/epbam/exhibits/factsheets/fact44.pdf
Flexible Spending Plans Flier
http://www.state.nj.us/treasury/pensions/pdf/taxsave/fsa-flier-2013.pdf
WageWorks Enrollment/Change In Status Form
http://www.state.nj.us/treasury/pensions/pdf/taxsave/fsa-enrollment-form-2013.pdf

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 expenses).
  •  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:

  •  Option 1: Visit the Commuter Tax$ave website (www.transitcheck.com) and use Company Code: TEU11

  •  Option 2: Contact Customer Service 866-618-2435.

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 families.
 

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