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2021 Open Enrollment Announcement

The New Jersey Division of Pensions and Benefits (NJDPB) has designated October 1, 2020 to October 31, 2020 as the 2021 Open Enrollment Period for the State Health Benefits Program (SHBP) and New Jersey Tax$ave Program. This is your annual opportunity to assess your benefits needs and revise your medical, prescription, dental, and pre-tax flexible spending account selections for the next calendar year. The deadline for submission of all 2021 plan changes is October 31, 2020. All changes made during Open Enrollment will be effective on January 1, 2021. For more information on the 2021 Open Enrollment Period, please visit University Human Resources (UHR) at Benefits Open Enrollment Virtual Fair.

If you do not anticipate making any changes to your medical, dental, or prescription plan coverage options during the Open Enrollment Period, no further action is required on your part to maintain your coverage.

If you are interested in a flexible spending account, enrollment must be completed during the 2021 Open Enrollment Period, regardless if you have previously had a flexible spending account. Please see the “Tax$ave Plans” section below for more information.

Open Enrollment Highlights

NEW – Benefitsolver – Online Open Enrollment Benefits Management for SHBP

The NJDPB has partnered with Businessolver to offer a new online Open Enrollment tool called Benefitsolver. Beginning October 1, 2020, employees will be able to log into Benefitsolver by accessing a link on the MyNewJersey portal to make changes to medical, prescription, and dental plans. Paper forms will no longer be accepted.

Please see below for additional information and support:

Medical Plans

Medical plan rates for 2021 were approved by the State Health Benefits Commission (SHBC). Once available, rate charts and an informative side-by-side comparison of all major plan features such as copays and deductibles will be posted on the NJDPB website. UHR will also provide a link on Benefits Open Enrollment Virtual Fair. A listing of the medical plans available for calendar year 2021 is detailed below under “Available Medical Plans”.

Changes for 2021:

  1. Employees who have medical and prescription plans through the SHBP will no longer be able to select different levels of medical and prescription plan coverage. For example, a member can no longer elect “Single” Medical coverage and “Member/Spouse” Prescription coverage. The level of coverage must be the same for both plans.
  2. Employees choosing to enroll in a medical plan will also need to enroll in a prescription plan. Members can no longer enroll in a medical OR prescription plan. If a member wishes to waive coverage, both medical and prescription coverage must be waived. This can be done through the Benefitsolver tool.

Available Medical Plans

The following medical plans administered through Horizon Blue Cross Blue Shield of New Jersey will be available to employees effective January 1, 2021.

  • NJ DIRECT/NJ DIRECT 2019 PPO
  • NJ DIRECT15
  • NJ DIRECT1525
  • NJ DIRECT2030
  • NJ DIRECT2035
  • Horizon HMO
  • Horizon OMNIA
  • NJ DIRECT HD4000
  • NJ DIRECT HD1500

Incentive Program for Tiered-Network Plan

The Incentive Program for Horizon OMNIA will be extended for State employees with modifications to past years’ incentives. The program will offer a financial incentive of $1,000 to first-time enrollees who remain enrolled for one year for all coverage levels (i.e., Single, Member and Spouse, Parent and Child, or Family coverage). The incentive is paid by gift card no later than the end of the current tax year and is deemed reportable income for tax purposes. The incentive shall be forfeited and returned to the SHBP if the subscriber fails to remain enrolled in the Tiered-Network Plan for at least one plan year. This program does not extend to children over the age of 26 or COBRA members.

Prescription Plan

OptumRx will continue to be the prescription plan vendor for prescriptions through your local pharmacy as well as mail order prescriptions. Once available, prescription plan information will be posted on the NJDPB website. UHR will also provide a link and additional information on Benefits Open Enrollment Virtual Fair.

Change for 2021:

  1. Employees who have medical and prescription plans through the SHBP will no longer be able to select different levels of medical and prescription plan coverage. For example, a member can no longer elect “Single” Medical coverage and “Member/Spouse” Prescription coverage. The level of coverage must be the same for both plans.
  2. Employees choosing to enroll in a prescription plan will also need to enroll in a medical plan. Members can no longer enroll in a medical OR prescription plan. If a member wishes to waive coverage, both medical and prescription coverage must be waived. This can be done through the Benefitsolver tool.

Dental Plans

There will be no plan additions, deletions, or changes in 2021 to the dental plan options offered under the SHBP.

Once available, dental plan information, the SHBP Dental Plan Comparison Guide, and 2021 Monthly Group Dental Rates will be posted on the NJDPB website. UHR will also provide a link and additional information on Benefits Open Enrollment Virtual Fair.

Important Exception: Employees who began enrollment in a SHBP dental plan after January 1, 2020 will not be permitted to change dental plans during this Open Enrollment Period. Employees must be enrolled in a dental plan for a minimum of 12 months before changing dental plans.

Estimating Health Insurance Premium Costs

To assess the financial impact of each health insurance plan option, a Health and Prescription Insurance Premium Estimator is available. The estimator will help you determine the monthly premium costs for your health and prescription coverage. A link to the estimator, once provided by the NJDPB, will be posted on Benefits Open Enrollment Virtual Fair. Please note that this estimator is maintained by the NJDPB.

Tax$ave Plans – Section 125 Flexible Spending Accounts

CHANGE IN VENDOR – FURTHER

Starting on January 1, 2021, Further will be the Section 125 Flexible Spending Account program vendor. You may enroll in a flexible spending account program (Tax$ave Program) to save money on your taxes by paying for eligible healthcare and dependent care expenses with pre-tax dollars. The program, provided for under Section 125 of the Internal Revenue Code, consists of a Premium Option Plan (allows your health insurance premiums to be deducted on a pre-tax basis), Unreimbursed Medical Flexible Spending Account (annual limit of $2,500), and a Dependent Care Flexible Spending Account (annual limit of $5,000).

If you are interested in a flexible spending account, enrollment must be completed during the 2021 Open Enrollment Period, regardless if you have previously had a flexible spending account. All changes made during the Open Enrollment Period will be effective as of January 1, 2021.

To enroll, please visit www.HorizonBlue.com/enrollfsa and follow the enrollment instructions provided by Further or call 866-999-3531 on Monday through Friday from 8 a.m. to 9 p.m. ET.

PLEASE NOTE: Any monies you have with WageWorks will stay with WageWorks until March 15, 2021, the end of the grace period. You have until that date to spend monies associated with calendar year 2020 or they will be forfeited.

Tax Deferred Annuity (TDA) – Voluntary Retirement Savings Plans

Rutgers University offers several tax-favored voluntary retirement saving plans which allow employees to save and supplement income at retirement. These plans offer tax advantages, either as a pre-tax investment that allows contributions and earnings to grow over time while deferring tax payments until funds are withdrawn, or as an after-tax ROTH contribution that allows already-taxed contributions and earnings to grow over time with no tax liabilities upon withdrawal. To take advantage of these plans and learn more about these programs, visit Tax Savings Plans on the UHR website.

Offered Plans:

  • Alternate Benefit Program Additional Contributions (ABP)
  • Additional Contributions Tax-Sheltered Programs (ACTS)
  • Supplemental Annuity Collective Trust (SACT)
  • NJ State Employees' Deferred Compensation Plan (NJSEDCP)

IRS Contribution Limits:

The current limits to contributions, as set by the Internal Revenue Service, for these programs:

  • Under age 50: A combined pre-tax and after-tax contributions: $19,500
  • Age 50 and over: A maximum pre-tax and after-tax contributions: $26,000

In the event the IRS adjusts these limits for 2021, this information will be posted to Tax Savings Plans on the UHR website.

How to Enroll or Make Changes:

To enroll or make changes to the voluntary-tax deferred contributions, please complete and submit the plan’s corresponding forms to OneSource Rutgers Faculty and Staff Service Center by uploading the form(s) using the OneSource portal.

Tax Deferred Contributions Form:

ABP - Additional Contributions 403(b) and Additional Contributions Tax-Sheltered Programs

SACT Salary Reduction Agreement:

Salary Reduction Agreement

NJ State Employees' Deferred Compensation Plan Change Form:

NJ State Employees' Deferred Compensation Plan Change Form

NJWELL Program

NJWELL provides inclusive and holistic experiences to meet members’ needs through activities and education programming to support healthy lifestyles. NJWELL is open to employees who are enrolled in the SHBP. Spouses and eligible partners can also participate, as long as they are covered by the SHBP plan. Participants have access to specialized programming and benefits, including live wellness events, fitness challenges, and online wellness platforms tailored to their unique needs. Participants can also earn a possible $250 in rewards based on points earned from participation in NJWELL. The current NJWELL 2020 Plan Year will be coming to a close on October 31, 2020. For information about the program, please visit NJWELL.

Open Enrollment – Virtual Fairs

Due to the current restrictions regarding in-person gatherings on campus, UHR has worked with our benefits vendors to create an online Benefits Open Enrollment Virtual Fair. Employees will have access to medical, prescription, and dental plan information, links to important benefits resources, videos, flyers, and information from financial investment carriers and other benefits related vendors. These material will be showcased on UHR’s Benefits Open Enrollment Virtual Fair throughout the month of October.

Question and Answer Sessions

UHR will host two (2) virtual Q&A sessions to answer your questions regarding the upcoming benefits year. These sessions will be held via WebEx on the following dates/times:

Click on one of the event links to pre-register for a live Q&A session and receive a calendar reminder prior to the session or click on the event link at the time of the event to join directly.

Please note: You must be logged into WebEx through your computer or electronic device in order to actively participate, ask questions, and use the chat feature. Participants who only dial in will be unable to utilize the Q&A feature and will only be able to listen to the discussion.

In addition, OneSource Rutgers Faculty and Staff Service Center is available to answer any questions you may have regarding Open Enrollment or other UHR or payroll concerns. Please contact OneSource at 732-745-SERV (7378) or OneSource@rutgers.edu.

Sincerely,
Vivian Fernández
Senior Vice President for Human Resources