The State Health Benefits Program (SHBP) has designated October 1, 2018 to October 31, 2018 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, 2018.  All changes made during Open Enrollment will be effective on January 1, 2019.

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 2019, then re-enrollment must be completed during Open Enrollment. See the section "Tax$ave Plans" for more information.

If you have any benefits questions, please contact a Benefits Specialist at 848-932-3990 or at


Health and Prescription Drug Plans and Rates

Rutgers employees will continue to be able to participate in both Aetna and Horizon Blue Cross Blue Shield of New Jersey health care plans through participation in the SHBP.  Please see the chart below for a summary of continuing 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.  This chart will be updated if necessary once the State provides information for Plan Year 2019.  For a listing of the participating physicians in each provider’s network, visit the Aetna SHBP Homepage, or the Horizon NJ DIRECT SHBP Homepage.

For Plan Year 2019, the SHBP will continue to offer an Incentive Program to join the Tiered-Network plans: the Aetna Liberty and the Horizon OMNIA Health Plan.

  • Available to first-time enrollees in a tiered-network medical plan and continuing for two complete years.
  • Choice of either the Aetna Liberty Plan or the Horizon OMNIA Health Plan
  • Employee financial incentive:
    • $1,000 for single
    • $1,250 for member/spouse/partner
    • $1,250 for parent/child(ren)
    • $2,000 for family
  • Incentive amount shall be paid by gift card within the first quarter of Plan Year 2019 and is reported as taxable income.
  • Incentive will be forfieted and returned ot the SHBP if subscriber fails to remain enrolled for at least two plan years (1/1/2019 - 12/31/20).

To enroll in one of the tiered-network plans, please submit the health enrollment form during our Open Enrollment period.  For more informtion about the tiered-network plans and the financial incentive program, visit the Tiered-Network Incentive Program page.

The SHBP offers employees and their covered dependents the opportunity to join a Direct Primary Care doctor's office at no additional cost.  This is available as part of the Horizon and Aetna plans and does not require any changes to your health insurance.  Simply choose a Direct Primary Care doctor from Paladina Health or R-Health and get unlimited access to personalized care with no copays, when and where it's convenient for you.  Direct Primary Care doctors provide a full range of services including preventive, urgent, and sick care, health and wellness coaching, chronic disease management, and care coordination.  More information regarding Paladina Health and R-Health can be found at:

No other changes to the State Health Benefits Program for medical plans have been made for 2019.

Summary of Health Plans Available - January 1, 2019

Health Plan Providers

Available Plans

Horizon Blue Cross Blue Shield of New Jersey


Horizon HMO


Horizon OMNIA


Aetna Freedom15
Aetna Freedom1525
Aetna Freedom2030
Aetna Freedom2035

Aetna HMO

Aetna Value HD1500
Aetna Value HD4000

Aetna Liberty


Prescription Plan

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.

Dental Plans

There will be no plan changes to the dental plan options offered under the SHBP.

Please review the new 2019 Monthly Group Dental Rates. For comparison between the State-administered dental plans, please visit the Employee Dental Plan Fact Sheet#37. To download the 2019 State Dental Application, please click here.

Important Exception: Employees who began enrollment in a SHBP dental plan after January 1, 2018 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$ave plans do not renew automatically; therefore, you must enroll or reenroll during the Open Enrollment period to participate in the Section125 Flexible Spending Accounts in 2019. If you do not reenroll in the Tax$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 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, 2018). All changes made during Open Enrollment will become effective January 1, 2019.

“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 9, 10 a.m. – 4 p.m. Rutgers University - New Brunswick, College Avenue Campus, College Aveune Student Center, Multipurpose Room, 126 College Ave, New Brunswick, New Jersey 08901

October 10, 10 a.m. – 4 p.m. – Rutgers University - Newark Campus, Robeson Campus Center, Multipurpose Room, 350 Martin Luther King Blvd, Newark, New Jersey 07102

October 17, 10 a.m. – 4 p.m. – Rutgers University - Piscataway, Busch Student Campus, Student Center Multipurpose Room, 604 Bartholomew Rd, Piscataway, New Jersey 08854

October 18, 10 a.m. – 3 p.m. – Rutgers University - Camden Campus, Multipurpose Room, 326 Penn St, Camden, New Jersey 08102

October 23, 10 a.m. – 3 p.m. – RBHS Piscataway/New Brunswick, Clinical Academic Building (CAB), Room 1302, 125 Paterson St, New Brunswick, New Jersey 08901

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 or your local HR Benefits office by October 31, 2018. The latest Open Enrollment forms can be downloaded at When submitting a benefits change, please use the latest Open Enrollment forms. You can return your Open Enrollment forms via the following methods: 

Email: Scan and email your Open Enrollment forms as a PDF to, with the words “Open Enrollment” in the Subject Line

Fax: You may fax Open Enrollment forms to (732) 932-6208 (Please call Benefits Administration at 848-932-3990 to confirm receipt of your applications)

Postal Mail: You can mail your Open Enrollment forms:

University Human Resources (UHR) Benefits Administration
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 354, 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:

  • Health
  • Dental
  • 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 UHR 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  

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.

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