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Welcome to University Human Resources' Benefits Open Enrollment Virtual Fair. As we kick off Open Enrollment, we wanted to provide information, tools, and resources to assist you during the Open Enrollment Period. Included on this site, you will find information and links to available medical, prescription, and dental plans, pre-tax flexible spending, and retirement plans. There are also helpful videos, flyers, information from financial investment carriers and other benefits related vendors, as well as links to Q&A sessions hosted by our UHR Benefit’s Team.
If you do not anticipate making any changes to your health, dental, or prescription plan coverage options during the Open Enrollment Period, no further action is required on your part to maintain your coverage.

Open Enrollment

2021 Open Enrollment is October 1, 2020 to October 31, 2020 and 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.

State Health Benefits Program (Medical Benefits)

BenefitSolver

The NJDPB has partnered with Businessolver to offer a new online tool called Benefitsolver. Benefitsolver will allow you to make changes to your medical, prescription, and dental plans right from your computer. Paper forms will no longer be accepted. Click here to be taken to the State’s portal for access to this tool. If you have trouble creating an account and/or accessing the portal, please contact NJOIT support. Please note that this link does not support the Benefitsolver website.

Medical Plans

Starting in 2021, all medical plans will include a prescription plan automatically. Employees will no longer be able to select only a medical plan with no prescription plan and vice a versa.

Horizon Blue Cross Blue Shield

Horizon Blue Cross/Blue Shield continues to be the sole provider of medical insurance plans for the SHBP. In addition to PPOs, HMO, Tiered Network, and High Deductible health coverage plans, Horizon offers resources for virtual medical and behavioral health care (telemedicine) as well as a host of other services and tools. More information regarding Horizon can be found below, as well as on their website.

Medical Design Chart

An informative side-by-side comparison of all major plan features such as copays and deductibles can be found here.

2021 Premium Estimator

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.  Please note that this estimator is maintained by the NJDPB.

In the interim, you may use the following Horizon Annual Health Care Premium Contribution Calculator

Prescription Drug Plan

OptumRx

OptumRx continues to be the sole provider of prescription drug insurance for the SHBP. No changes have been reported by the NJDBP in regard to the prescription drug plan or formulary used. OptumRx will continue to be accepted at your local pharmacy as well as mail order service. More information regarding OptumRx can be found below, as well as on their website.

Dental Plans

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

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.

2021 Dental Rates

Dental plan information and 2021 Monthly Group Dental Rates can be found here.

Dental Providers

The SHBP consists of 5 different vendors for dental coverage options. Links to these vendors can be found below. All of these vendors offer Dental Plan Organizations (DPOs), while Aetna also offers the Dental Expense Plan (DEP), which is a PPO. More information regarding these vendors can be found below.

Further—Flexible Spending Accounts

Starting calendar year 2021, Further will be the vendor for the Section 125 Flexible Spending Account program. 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).

To enroll, please visit: HorizonBlue.com and follow the enrollment instructions provided by Further. You can also enroll by calling 1-866-999-3531, 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 the end of the grace period, which is March 15, 2021. You have until that date to spend monies associated with calendar year 2020 or they will be forfeited.

Retirement Plans

Alternate Benefit Program (ABP)

Public Employees' Retirement System (PERS)

Public Employees' Retirement System (PERS) is a defined benefit plan where retirement benefit is based on a formula and guaranteed by the state. For more information regarding PERS, please visit the NJDPB PERS website.

Police and Firemen's Retirement System (PFRS)

The Police and Firemen’s Retirement System (PFRS) is a defined benefit plan where retirement benefit is based on a formula and guaranteed by the state. For more information regarding PFRS, please visit the NJDPB PFRS website.

New Jersey Defined Contribution Retirement Plan

The New Jersey Defined Contribution Retirement Program (NJDCRP) provides eligible members with a tax-sheltered, defined contribution retirement benefit, along with life insurance and disability coverage. Eligible employees contribute 5.5% of their pensionable salary, and the employer contributes 3%. Prudential is the designated financial carrier for the NJDCRP plan. For more information regarding NJDCRP, please visit Prudential’s website.

Other Benefit Resources for Employees

Retail Vendors

Rutgers University Services

Flu Shot Info

In order to provide safe delivery of the flu shot during the COVID-19 pandemic, the Occupational Health Department (OHD) has organized outdoor flu clinics for employees currently working on the New Brunswick/Piscataway campus. We are partnering with Walgreens who will provide the vaccinations at these clinics. The two remaining dates are Tuesday, October 6 and Thursday, October 8. Both clinics will be from 11:00am to 2:00pm, weather permitting, on the side of the Hurtado Health Center. For more information click here.

Workplace Banking

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 at OneSource@rutgers.edu.