Open Enrollment 2011

Useful Resources

Plan Information
bullet Medical Plan Design Comparison
bullet Dental Expense Plan Change from a Passive(PPO) to a PPO information

Premiums
bullet Employee Pre-Tax Medical and Prescription Insurance Premium Estimator

bullet 2012 Medical and Prescription Drug Rates (effective through December 31, 2012)
bullet 2012 Dental Rates (effective through December 31, 2012)

bullet 2011 Medical Rates (effective through December 31, 2011)
bullet 2011 Dental Rates (effective through December 31, 2011)

bullet Health Benefits Contribution Chart for Single Coverage
bullet Health Benefits Contribution Chart for Member & Spouse/Partner or Parent & Child (ren)
bullet Health Benefits Contribution Chart for Family Coverage

Additional Resources
bullet Frequently Asked Questions
bullet Helpful Forms

Overview

Chapter 78, P.L. 2011stipulated that the SHBP form committees to review and offer additional health plans with lower premiums in exchange for higher cost sharing when health services are received. The State Health Benefits Program (SHBP) review committee has finalized the additional health plan options for the 2011 Open Enrollment Period. The committee has selected twelve additional health plan options to offer state employees during the annual Open Enrollment period. As a result, the State Health Benefits Program (SHBP) has designated October 17, 2011 to November 11, 2011 as the annual Open Enrollment period for the State Health Benefits Program and New Jersey Tax$ave program.

During Open Enrollment, you will have the opportunity to assess your benefits needs and revise your coverage. If you do not wish to change your health coverage, no action is required. The Tax$ave plans do not renew automatically, therefore, you must enroll or reenroll during the Open Enrollment period to participate in the Section 125 Flexible Spending Accounts in 2012. All changes made during Open Enrollment will become effective January 1, 2012.

If You Do Not Want to Make Changes to Your Current Health Plan:

Tax$ave

To participate in the Tax$ave unreimbursed medical and/or dependent care flexible spending accounts (FSA) program for 2012; you must submit your election directly to FBMC no later than November 11, 2011. You must enroll or re-enroll in the Tax$ave program each year to participate in flexible spending accounts. Eligible employees may enroll online at http://www.myFBMC.com, by phone at 800-865-FBMC (3262), or by faxing a completed FBMC Spending Account Election Form to FBMC at 850-514-5806. Visit the Tax$ave webpage and the FAQs for more information on the program.

Changes to Health Insurance

If you wish to make changes in your health insurance coverage, a State Health Benefit Program Medical application and Dental application must be returned to Benefits Enrollment ASB II Cook Campus, no later than Friday, November 11, 2011.

More information is available on the Open Enrollment FAQ.

Health Insurance Premiums

Employee Pre-Tax Medical and Prescription Insurance Premium Estimator

The State Health Benefits Plan (SHBP) requires employees who elect medical and/or prescription coverage to pay the higher of 1.5% of your base contractual salary or a percentage of the medical and/or prescription premium based on your salary and level of coverage.

You may use the Employee Medical and Prescription Insurance Pre-Tax Premium Estimator to estimate the monthly pre-tax premium that you will pay for your medical and/or prescription coverage.

The new insurance premium contribution will become effective on January 1, 2012

bullet 2012 Medical and Prescription Drug Rates (effective through December 31, 2012)
bullet 2012 Dental Rates (effective through December 31, 2012)

bullet 2011 Medical Rates (effective through December 31, 2011)
bullet 2011 Dental Rates (effective through December 31, 2011)

Health Benefits Contribution Charts:

bullet Health Benefits Contribution Chart for Single Coverage
bullet Health Benefits Contribution Chart for Member & Spouse/Partner or Parent & Child (ren)
bullet Health Benefits Contribution Chart for Family Coverage


For additional information on Open Enrollment, visit these links:

bullet Frequently Asked Questions

Helpful Forms

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If you have questions about Open Enrollment, you may also contact the Benefits Staff at 848-932-3990 or email benefits@hr.rutgers.edu.