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- UMDNJ POSTDOCTORAL HEALTH/DENTAL INSURANCE
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UNIVERSITY HEALTH PLANS
Health Insurance
All Postdoctoral Appointees are required to have health
insurance and to participate in the comprehensive insurance
plan offered through the University. The 2007 health plan
was developed especially for UMDNJ Postdoctoral Appointees
and Rutgers University Graduate Fellows. It is underwritten
by Aetna Life Insurance Company and administered by the
Chickering Group and University Health Plans, Inc. (Quincy,
MA). The premium for the individual plan will
be paid by your mentor or department. Dependent coverage is the
responsibility of the postdoctoral appointee, although your mentor or
department may, at its discretion, pay for this portion of the premium also.
Note to the PI: Insurance premiums will not terminate
automatically when the postdoc leaves. You must notify Risk and
Claims. A discontinuation form is available at the top of this page for
your convenience.
The Aetna Plan is an 'Open Choice PPO Plan' and you are
not required to select a Primary Care Physician. There are
two levels of benefits: "in-network" and "out-of-network."
Aetna has one of the largest networks of physicians, hospitals,
and other healthcare providers in the United States. To
receive the highest level of insurance benefit, simply choose
an Aetna participating provider.
For detailed information, log onto http://www.universityhealthplans.com,
select the UMDNJ Postdoctoral Fellows option and then the
Health Insurance option. A summary of benefits and an on-line
participating provider listing is available and their detailed
brochure can be downloaded. To find a provider, click 'Find
a Provider,' choose the appropriate provider category and
select 'Open Choice PPO.' Again, you are not required to
select a primary care physician, but you get the highest
level of benefit by selecting participating providers.
If you have any questions regarding claims, ID cards or
related issues, contact the Chickering Group at 1-800-466-3185.
Detailed contact information on other issues is available
in the on-line brochure.
As with most large insurance plans, occasional mistakes
in billing and other services may occur. Therefore, it is
important that you follow procedures carefully. Advice to
avoid and resolve problems includes the following:
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Before seeking any non-emergency service, ensure that
the physician and service is covered by the plan. Not
all lab tests and procedures are covered, so your physician
or you should first contact the insurance company if
there is any doubt.
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Keep accurate records of all phone contacts, including
the time and date you called and the name of the person
with whom you spoke. If you reached voice mail, make
a note of the name of the individual with whom you left
a message. Be certain that you leave a return phone
number where you can be reached.
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Questions may best be answered by e-mail by selecting
the appropriate option from the University Health Plans
web site. This also gives you a record of the correspondence.
Top
Post-Completion Coverage
Postdoctoral Appointees are defined as students and therefore are
not eligible for continuation of health insurance under COBRA.
UMDNJ students and postdoctoral fellows have the option
to obtain individual health insurance coverage through Aetna
after they graduate/complete their training at UMDNJ. Please
note that this plan (the Individual Advantage Plan) is not
the same as the Aetna student or postdoctoral fellow plan.
Instead, it is a traditional HMO plan and the availability
of coverage is dependent upon the state in which the student
resides following graduation/completion. (it is possible
that this Aetna plan is not available in every state.) This
plan has no relationship to the current UMDNJ student and
postdoctoral plans; it is a different, separate plan.
For students residing in New Jersey, the current monthly
premiums for the Individual Advantage Plan can be obtained at the following link:
New Jersey- Individual Advantage Plan
Co-pay amounts for hospitalization and emergency room visits
vary according to the plan selected. Students should consult
the enrollment packet for specific information.
Students and postdoctoral fellows should request from Aetna
an information packet for enrollment in the post-graduation
plan six to eight weeks in advance of the end of their current
coverage. Enrollment forms received by Aetna by the 15th
of the month will be effective the 1st of the following
month. To avoid pre-existing condition exclusions,
the Individual Advantage Plan must take effect on the termination
date of the current Aetna student or postdoctoral fellow
plan. Students who have waived out of the Aetna
student plan can also apply for coverage under the Individual
Advantage Plan at the same premiums.
For more information, contact the Aetna Individual Advantage Plan at
800-437-6448 (ext. 12).
Alternatively, temporary coverage can be obtained by purchasing the
Horizon Blue individual health insurarance plan. Contact Horizon Blue at
1-800-224-1234 for information.
Life Insurance
Mandatory term life insurance ($20,000) is provided by the Guardian Insurance
Company. The cost is $18.00 billed
semi-annually. As with health insurance, this is paid by your mentor.
Dental Insurance
UMDNJ will offer its students, postdocs, and their dependents
a dental insurance plan, DeltaCare, effective January 1,
2003. Students may enroll in this plan on a voluntary basis;
it is not required insurance.
Students interested in participating should enroll on-line
through University
Health Plans (Quincy, Mass.). The on-line enrollment
form, plan benefit highlights and a list of network dentists
can be found by linking to www.universityhealthplans.com
. Once on the web site, click "University of Medicine and
Dentistry of New Jersey", and then click "Dental." (Please
note that Cumberland County is out of place and the Essex
County listing continues.)
July 15, 2008 is the enrollment deadline for coverage from August 1, 2008 to July 31, 2009. Deadlines of August 15, 2008 and September 15, 2008 have been established as well for September 1 and October 1 effective dates respectively. (The premium will not be pro-rated for the September and October effective dates.)
As part of the enrollment process, you must select a DeltaCare
participating dentist. The enrollment form will not be accepted
without this selection. UMDNJ has worked closely with DeltaCare
to enroll many of our dental facilities and providers statewide
in the DeltaCare Network. The web site includes a complete,
up-to-date list of participating providers.
Students with questions regarding the enrollment process
should contact University Health Plans via email at info@univhealthplans.com
or at 800-437-6448.
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