Welcome to the Human Resources Benefits Open Enrollment Website! This site contains important information designed to assist you in making choices about your:

• 2012 Health Plans
• 2012 Dental Plans
• Tax$ave Program
• Commuter Tax$ave Program
• Long Term Care Insurance Plan

During the State Health Benefits Program (SHBP) Open Enrollment (October 17th until November 11, 2012), you may make general changes (adding and deleting dependents, changing coverage levels, ect.) 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.

2012 Health Plans  

Cost

As of October 1, 2011 employees will pay the greater of 1.5% of their annual base salary or the percentage of premium share cost in combination for the medical and/or prescription drug cost. Employees who are covered by a non-expired contract will not be affected by this change until the contract expires.

Medical Premiums for existing coverage levels increased for calendar year 2012 as follows:

• Single increased 10%
• Member & Spouse/Partner decreased by 2%
• Family increased 10%
• Parent Child increased 16%

Prescription Drug premiums for existing coverage levels also increased for calendar year 2012:

• Single increased 12%
• Member & Spouse/Partner increased by less than 1% (0.32)
• Family increased 12%
• Parent Child increased 19%

Highlights

SHBP New Plan Designs are now available. 12 additional health plan options have been added.

The current NJ DIRECT15, Aetna HMO and Cigna HMO Healthcare plans will continue to be available in 2012. In addition Horizon BCBSNJ, Aetna and Cigna will offer additional plan options with lower premiums and slightly higher co-payments, deductibles and out-of-pocket amounts for services. Horizon BCBSNJ, Aetna and Cigna will also offer High Deductible Health Plan options for employees.

Employee Prescription Drug Plan co-payments remain the same for the current plans. All of the new plan designs offer higher co-payment amounts. However, 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.

We are awaiting information from the State on HSAs. Health Savings Accounts (HSAs) are available for the three 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.

Eligible SHBP employees are permitted to waive SHBP medical and prescription coverage provided the employee has other health care coverage. To waive coverage effective January 1, 2012, employees should complete and submit a SHBP State Waiver form and Health Benefits Application no later than November 11, 2011 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

HMO Plans

• Aetna HMO with Prescription Drug Program
• Aetna 1525 with Prescription Drug Program
• Aetna 2030 with Prescription Drug Program
  
  
• Cigna HMO with Prescription Drug Program
• Cigna 1525 with Prescription Drug Program
• Cigna 2030 with Prescription Drug Program

High Deductible Plans

• NJ DIRECT HD4000*
• Aetna HD4000*
• Cigna HD4000*
  
  
• NJ DIRECT HD1500*
• Aetna HD1500*
• Cigna HD1500*

* Prescription Drugs are subject to deductible and co-insurance.

- Plan Design Comparison Charts
- Medical Rates 2012
- Medco Website
- Required Documentation for SHBP/SEHBP Dependent Eligibility and Enrollment *
- Medical Plan Enrollment Application **
- SHBP State Waiver Form **

** The signed and completed application must be received by November 11, 2011 at your Campus Human Resources Benefits Services Office to affect your January 1, 2012 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.

2012 Dental Plans  

The current six DPO dental plans are still available along with the Dental Expense Program.

Cost

Dental plan participants have a premium share for either the Dental Plan Organization or Dental Expense Plan. For 2012, the Dental Expense Plan rates decreased by 10%, Cigna, Horizon DMO rates increased by 3%, BeneCare increased by approximately 2%, Aetna DMO increased by approximately 2.9%, Community remained the same and HealthPlex decreased 5%. Employee premiums for each plan and coverage levels are shown below. Rates go into effect with the December 9, 2011 paycheck.

Highlights

DPO Plan (Dental Plan Organization)

Diagnostic and preventive services are covered in full with DPO dentists. Other eligible expenses require a co-payment. Please check with your dentist that he or she accepts SHBP Employee Dental Plans.

PPO Plan (Dental Expense Plan)

The Dental Expense Plan has been changed from an indemnity* type plan to a PPO** plan effective January 1, 2012 with in-network and out-of-network benefits. Employees enrolled in this plan will see no change in this plan provided they see an in-network provider. By using an out-of-network provider the employee will see higher out-of-pocket expenses than he or she previously paid.

The new PPO plan does not change the current $50 in-network deductible or $3000 benefit maximum.

	In-Network	Out-Of Network
Deductible / Calendar Year	$50 / Individual $100 / Family Waived for Preventive	$75 / Individual $150 / Family Waived for Preventive Deductible applies to in-network services as well
Coinsurance (as % of Reasonable & Customary)	100% Preventive 80% Basic Restorative 65% Major Restorative 50% Periodontics &        Prosthodontics	90% Preventive 70% Basic Restorative 55% Major Restorative 40% Periodontics &        Prosthodontics
Maximum Annual Benefit per Individual	$3,000	$2,000 (Maximum of $3,000 combined in & out-of-network)
Orthodontia under age 19	50% to $1,000 lifetime maximum (not subject to deductible) (Maximum not combined with Annual Maximum)	40% to $750 lifetime (maximum of $1,000 combined in and out-of-network) (not subject to deductible) (Maximum not combined with Annual Maximum)

* Indemnity - a patient can see any doctor that he/she wants at any time with an indemnity plan. In an indemnity plan, the patient pays the doctor directly, then sends the claim to the insurance company. The provider pays the patient back for part of the total cost as allowed under the plan.

** 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

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, 2011, they will not be permitted to change dental plans during this Open Enrollment period.

- Dental Rates 2012
- Dental Plans Website
- Dental Plan Enrollment Application **
- Required Documentation for SHBP/SEHBP Dependent Eligibility and Enrollment *

** The signed and completed application must be received by November 11, 2011 at your Campus Human Resources Benefits Services Office to affect your January 1, 2012 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

- Eligibility Information
- Benefits Under the Domestic Partnership Act
- Coverage of Children Until Age 26
- SHBP Health Benefits for Part-Time Employees (less than 35 hours per week)
- Glossary of Terms
- Health Plan Coverage for Eligible Dependents (over age 26 and 31) under Chapter 375
- Medicaid and the Children’s Health Insurance Programs (CHIP)
- Qualifying Life Events
- Notice of Privacy Practices to Enrollees in the State Health Benefits Program

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 2012. 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.

- Over Age Children of Active SHBP Members - Monthly Rates
- Domestic Partnership/Civil Union 2012 Biweekly Premium/Imputed Income Rates
   (pending)
- Chapter 172 Part-Time State Monthly Active Group (pending)
- COBRA 2012 Monthly Rates

Tax$ave Program - Key Information  

The Open Enrollment period began October 1, 2011 and has been extended until November 11, 2011.

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 2012. Employees can also change their election amount (s) at any time during the open enrollment period by completing a new enrollment request. If you change your election, an updated confirmation notice will be sent to you.

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 2012 plan year is $2,500 for the Unreimbursed Medical FSA and $5,000 for the Dependent Care Account.

Unreimbursed Medical FSAs feature the myFBMC Card® Visa® Card: The myFBMC Card allows the employee to draw on the annual Medical FSA election amount.

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.myFBMC.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 myFBMC 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.myFBMC.com

FBMC now offers GO GREEN to sign up log on to www.myFBMC.com and click the "Accounts" tab and select "Online Statements". There is an online tutorial to assist you with the new Go Green enhancement.

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.myFBMC.com
The deadline for enrollment over the Internet is midnight, November 11, 2011.

Telephone: Employees may enroll in the Unreimbursed Medical and/or Dependent Care FSA plans over the phone by calling Fringe Benefits Management Company’s automated Interactive Voice Response system at 1-866-440-7150. The deadline for enrollment by telephone is midnight, November 11, 2011.

Fax: FSA Enrollment Forms may be faxed by the employee to 1-866-672-4780. The deadline for accepting faxed enrollment forms is midnight, November 11, 2011.

Mail: FSA Enrollment Forms can be mailed by the employee directly to Fringe Benefits Management Company, a Division of WageWorks. The enrollment forms must be postmarked no later than November 11, 2011. Forms postmarked after November 11, 2011 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$ave 2012 Newsletter
Tax$ave Fact Sheet
Flexible Spending Plans Flier
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 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: Effective with the January 2012 benefit month the current transit cap may be lowered to $125 per month from $230 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 and use Company Code: TEU11


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

Enrollment/Change/Termination Schedule (pending)

Long Term Care Insurance Plan  

Eligible employees may apply at any time. Coverage is effective upon approval of the Prudential Insurance Company of America.

The State of New Jersey's Long Term Care (LTC) Insurance Plan, underwritten by The Prudential Insurance Company of America, provides long term care services including personal care, home health care, rehabilitation, etc.

To request an enrollment kit, please call Prudential's Long Term Care Insurance Customer Service Center at (800) 732-0416.

Please contact your Campus Human Resources Benefits Services Office for current eligibility and enrollment procedures. Click here for more information.

Our goal is to fully communicate the benefits plans and options that supplement cash compensation, providing security for our employees and their families.