The State Health Benefits Program (SHBP) has designated October 1 to October 31, 2019 as the annual Open Enrollment period for the State Health Benefits Program and New Jersey Tax$ave program.
This is your annual opportunity to assess your benefits needs and revise your health, prescription drug, dental, and pre-tax flexible spending accounts selections. The deadline for submission of all plan changes is October 31, 2019. All changes made during Open Enrollment will be effective on January 1, 2020.
If you do not anticipate making any changes to your medical, dental, or prescription plan coverage options during the open enrollment period, then no action is required on your part to maintain your coverage during Open Enrollment. Be advised, however, that if you are enrolled in any Flexible Spending Accounts and wish to maintain that benefit for 2020, then re-enrollment must be completed during Open Enrollment. See the section "Tax$ave Plans" for more information.
To participate in Open Enrollment or make changes to your medical, dental, and/or prescription plan coverage, please submit your forms through the OneSource Rutgers Faculty and Staff Service Center's Service Catalog and select the service for "Health Enrollment. If you have any benefits questions, please contact the OneSource Rutgers Faculty and Staff Service Center at 732-745-SERV (7378).
- Link to Download Open Enrollment Forms
- Medical and Prescription Drug Plans and Rates
- OptumRx Prescription Plan
- Dental Plans and Rates
- Tax$ave Plans – Section 125 Flexible Spending Accounts (must renew annually)
- "Working for U" Benefits Fairs
- Returning Open Enrollment Forms
- Procedure to change or waive your State Health Benefits Plan coverage
- Estimating Health Insurance Premium Costs
- SHBP Wellness Program – NJWELL
Health and Prescription Drug Plans and Rates
Effective January 1, 2020, all medical plans in the State Health Benefits Program (SHBP) will be administered solely by Horizon Blue Cross Blue Shield of New Jersey (Horizon). Employees who are currently in an Aetna administered plan who do not make an election of a new plan during Open Enrollment will be automatically enrolled into the corresponding Horizon medical plan. For example, employees currently enrolled in the Aetna Freedom 15 plan will be automatically moved into the Horizon NJ Direct 15 plan.
Additionally, Horizon, through the SHBP, will be offering a new medical plan - NJ DIRECT/NJ DIRECT 2019* PPO. More information about the new PPO plan can be found on the State's Open Enrollment website at: www.nj.gov/oe.
Employees hired prior to July 1, 2019 who elect this new plan will be enrolled in NJ DIRECT. Employees hired after July 1, 2019 who elect this new plan will be enrolled in NJ DIRECT 2019.
Please see the chart below for a summary of available plans. Additionally, the SHBP Medical Plan and Prescription Drug Plan Comparison guide provides an informative side-by-side comparison of all major plan features, such as copays and deductibles. For a listing of the participating physicians in Horizon's network, visit the Horizon SHBP Homepage.
Medical plan rates for 2020 were approved by the State Health Benefits Commission and can be found here.
Incentive Program for Tiered-Network Plan
The incentive program for Horizon OMNIA will be extended to December 31, 2020, with modifications to past years' incentives. The program offers a financial incentive of $1,000 to to first time enrollees who remain enrolled for one year, regardless of coverage level (single, member/spouse, parent/child, or family coverage). The incentive shall be forfeited and returned to the State if the employee 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.
To enroll in the Horizon OMNIA tiered-network plan, please submit the health enrollment form during our Open Enrollment period. For more informtion about the tiered-network plan and the financial incentive program, visit the Tiered-Network Incentive Program page.
Summary of Health Plans Available - January 1, 2020
Health Plan Providers
Horizon Blue Cross Blue Shield of New Jersey
NJ DIRECT/NJ DIRECT 2019
NJ DIRECT HD1500
The vendor for the State's prescription plan will continue to be OptumRx. Representatives from OptumRx will be at each of the Open Enrollment Benefits Fairs to answer any questions or concerns you may have. Prescription drug plan rates for 2020 were approved by the State Health Benefits Commission and can be found here.
The State has approved a resolution to reduce the copayment for generic prescriptions. Beginning November 1, 2019, active employees will pay $0 for a 90-day supply of generic prescriptions filled through the mail service program. This incentive will continue for at least one plan year, subject to renewal.
There will be no plan additions, deletions, or changes in 2020 to the dental plan options offered under the SHBP.
Please review the new 2020 Monthly Group Dental Rates. For comparison between the State-administered dental plans, please visit the Employee Dental Plan Fact Sheet#37. To download the 2020 State Dental Application, please click here.
Important Exception: Employees who began enrollment in a SHBP dental plan after January 1, 2019 will not be permitted to change dental plans during this Open Enrollment. Employees must remain enrolled in a dental plan for a minimum of 12 months before they are allowed to change plans.
Tax$ave Plans – Section 125 Flexible Spending Accounts
You can enroll in a flexible spending account program (Tax$ave) 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 $5,000).
The Tax$ave plans do not renew automatically; therefore, you must enroll or reenroll during the Open Enrollment period to participate in the Section125 Flexible Spending Accounts in 2020. If you do not reenroll in the Tax$ave plans during the Open Enrollment period, you will not have access to this benefit in the coming year, regardless of your enrollment status in the previous year.
You may enroll online at http://www.wageworks.com/. You may also complete the FSA Election Form and fax to 1-866-672-4780, or mail to Wageworks Enrollment Processing, P.O. Box 14766, Lexington, KY 40512-4766 (must be postmarked no later than October 31, 2019). All changes made during Open Enrollment will become effective January 1, 2020.
“Working for U” Benefits Fairs
In order to serve our growing Rutgers community, the University Human Resources (UHR) Benefits unit is hosting a series of Open Enrollment Benefits Fairs for employees to become acquainted with the services and programs available to them.
These Open Enrollment Benefits Fairs will occur throughout October, and will feature information regarding State and non-State benefits, as well as opportunities for employees to talk with employee services organizations on campus. Note the dates, times and locations for these events:
October 10, 10 a.m. – 3 p.m. – Rutgers University - Newark Campus, Paul Robeson Campus Center, Multipurpose Room, 350 Martin Luther King Blvd, Newark, New Jersey 07102
October 15, 10 a.m. – 3 p.m. – RBHS Piscataway/New Brunswick, Medical Education Building (MEB) - Atrium, 1 Robert Wood Johnson Place, New Brunswick, New Jersey 08901
October 17, 10 a.m. – 3 p.m. – Rutgers University - Piscataway, Busch Campus, Busch Student Center - Multipurpose Room, 604 Bartholomew Rd, Piscataway, New Jersey 08854
October 22, 10 a.m. – 3 p.m. – Rutgers University - New Brunswick, College Avenue Campus, College Avenue Student Center, Multipurpose Room, 126 College Ave, New Brunswick, New Jersey 08901
October 23, 10 a.m. – 3 p.m. – Rutgers University - Camden Campus, Camden Campus Center - Multipurpose Room, 326 Penn St, Camden, New Jersey 08102
October 24, 10 a.m. – 3 p.m. – RBHS Newark, Medical Science Building, Grand Foyer Lobby, 185 South Orange Ave, Newark, New Jersey 07101
Returning Open Enrollment Forms
Open Enrollment forms must be returned to University Human Resources by October 31, 2019. The latest Open Enrollment forms can be downloaded at http://uhr.rutgers.edu/policies-resources/forms/open-enrollment. When submitting a benefits change, please use the latest Open Enrollment forms. You can return your Open Enrollment forms via the following methods:
OneSource portal: Scan and upload your Open Enrollment forms as a PDF file only (JPEG files and other picture formats are not permitted), to onesource.rutgers.edu. Look for the "Benefits" Service Catalog, select "Health Enrollment," and choose "Open Enrollment" as the action to take to submit your forms and applicable supporting documentation.
Postal Mail: You can mail your Open Enrollment forms:
OneSource - University Human Resources (UHR)
RE: Open Enrollment
57 U.S. Highway 1
New Brunswick, NJ 08901-8554
- Walk-In: You can hand deliver your Open Enrollment forms to your nearest HR Benefits office. RBHS employees assigned to the Stratford Campus will be able to drop off their Open Enrollment with the Rutgers-Camden HR Staff at Armitage Hall, Third Floor, 311 N. 5th Street, Room B34, Camden, NJ 08102.
Procedure to Change or Waive Your State Health Benefits Plan Coverage
During Open Enrollment, you can make changes to the following plans:
- Prescription Drug
- Tax$ave – Section 125 Flexible Spending Accounts
- Premium Option Plan
To change or waive your State Health Benefits coverage please visit the Procedure to change your State Health Benefits coverage.
Estimating Health Insurance Premium Costs
In order to assist in assessing the financial impact of each health insurance plan option, the State has developed an online Employee Medical and Prescription Insurance Premium Estimator to help you determine the monthly premium costs for your medical and/or prescription coverage. The premium estimator may be accessed at https://www.state.nj.us/treasury/pensions/hb-percentage20-monthly.shtml.
SHBP Wellness Program
Beginning with the 2014 plan year, the SHBP launched NJWELL – a new wellness program designed to help employees live healthier 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.
Through NJWELL, employees receive incentives for participating in simple screenings, health assessments, and participating in other wellness and healthy lifestyle activities. And since healthier individuals typically require less-costly health care, the NJWELL program can help the SHBP contain health care costs and pass those savings on to you, through lower premium rates in the future.