Plan Year 2022 Open Enrollment Information
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Welcome to the Human Resources Benefits Open Enrollment Website! This site contains important information designed to assist you in making choices about your:
- 2022 Health Plans
- 2022 Dental Plans
- Tax$ave Program
- Commuter Tax$ave Program
During the State Health Benefits Program (SHBP) Open Enrollment (October 1st until October 31), you may make general changes (adding and deleting dependents, changing coverage levels, etc.) or enrolling in a different medical or dental plan. However, remember, you are able to make certain changes for yourself or your dependents for any qualifying life event throughout the year.
Open Enrollment changes must be submitted online through Benefitsolver no later than October 31, 2021 with coverage effective January 1, 2022. Please visit the Division of Pensions and Benefits website and click on + Access Benefitsolver then log in via MyNewJersey or Register (if you have not done so already).
2022 Health Plans
Employees will pay the greater of 1.5% of their annual base salary or the percentage of premium. Employee Type is State All Other.
Health Plan Highlights
Available Medical and Prescription Drug Plans
|PPO PLANS *||HMO Plans *||High Deductible Health Plans (HDHP)*|
|NJ DIRECT15||Horizon HMO||NJ DIRECT HD1500|
|NJ DIRECT1525||NJDIRECT HD 4000|
|NJ DIRECT||Tiered Network Plans*|
|NJ DIRECT 2019||Horizon’s OMNIA Health Plans|
Type and Level of Coverage Change
Members must elect to enroll in both Medical and Prescription. If a member wishes to waive coverage, both Medical and Prescription coverage must be waived.
Employees who elect to enroll in the high deductible health plans are not eligible to enroll in the Employee Prescription Drug Plan. Instead, the prescription drugs are covered under the High Deductible plan and count toward the deductible.
Note: The service areas for Horizon HMO are limited to New Jersey, Delaware and bordering counties of Pennsylvania and New York.
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 $1,000 to first-time enrollees who remain enrolled for one year for all coverage levels (i.e., Single, Member and Spouse, Parent and Child, or Family coverage). The incentive is paid by gift card no later than the end of the current tax year and is deemed reportable income for tax purposes. The incentive shall be forfeited and returned to the SHBP if the subscriber fails to remain enrolled in the Tiered-Network Plan for at least one plan year. This program does not extend to children over the age of 26 or COBRA members.
Health Savings Accounts (HSAs)
HSAs is available with the High Deductible Plans. The HSA can be used for qualified medical expenses without federal tax liability. However, if employees are enrolled in the Flexible Spending Account (FSA) through the Tax$ave Program, they cannot participate in a HSA. They have the option to participate in one or the other.
Employees participating in a HDHP could fund their HSA accounts through pre-tax payroll deductions by completing a HSA Contribution Form.
The Health Savings Account is similar to a medical expense FSA. Funds in an HSA are not lost when the plan year is over unlike funds in an FSA.
Waiver of Coverage
State employees are permitted to waive SHBP medical and prescription coverage and avoid the required employee contribution provided that they have other employer-provided or retiree coverage, or other coverage as a dependent. Employees can elect to waive coverage via Benefitsolver during Open Enrollment or anytime of the year.
Note: Yearly waivers are not required. Employees who have already waive coverage do not need to elect to waive each Open Enrollment period
- Medical Plan Design Comparison Chart
- Required Documentation for SHBP/SEHBP Dependent Eligibility and Enrollment*
*Employees who are newly married or enrolling in the SHBP for the first time during open enrollment or who are enrolling their spouse as a dependent, are required to provide a copy of the marriage certificate and a copy of the top half of the front page of the employee’s most recently filed federal tax return (Form 1040) that lists the spouse at the time of enrollment. If the Form 1040 does not list the spouse or partner, the employee should provide a photocopy of a recent (within 90 days of application) bank statement or utility bill that includes both name of the employee and spouse/partner and is received at the same address. Employees may black out all financial information and all but the last 4 digits of any Social Security numbers.
All coverage changes, waivers and enrollments need to be entered into Benefitsolver no later than October 31, 2021.
2022 Dental Plans
There are no dental plan changes for Plan Year 2022.
|Dental Plan Organization (DPO)||Preferred Provider Organization (PPO)|
|Aetna (DMO)||Dental Expense Plan (administered by Aetna)|
|Horizon Dental Choice|
Dental Plan Highlights
DPO Plan (Dental Plan Organization)
DPOs contract with a network of providers for dental services. When an employee or dependent uses a DPO dentist, diagnostic and preventive services are covered in full. Most of the other eligible expenses require a small copayment. Members must use a provider that participates with the DPO selected to receive coverage. Be sure to confirm that the dentist or dental facility selected is taking new patients and participates with the SHBP Employee Dental Plans, since DPOs also service other organizations.
PPO Plan (Dental Expense Plan)
The Dental Expense Plan is a PPO plan that allows members to obtain services from any dentist; however, as a PPO, using an in-network provider will reduce an employee’s costs. After satisfying an annual deductible (no deductible for preventive services), members are reimbursed a percentage of the reasonable and customary charges for eligible services.
Employees must remain enrolled in a dental plan for a minimum of 12 months before they will be allowed to change plans. This means that an employee who was not enrolled in a dental plan as of January 1, 2019, will not be permitted to change dental plans during this Open Enrollment.
- Dental Rates 2022
- Employee Dental Plans Member Guidebook
- Required Documentation for SHBP/SEHBP Dependent Eligibility and Enrollment
Employees who are newly married or enrolling in the SHBP for the first time during open enrollment or who are enrolling their spouse as a dependent are required to provide a copy of the marriage certificate and a copy of the top half of the front page of the employee’s most recently filed federal tax return (Form 1040) that lists the spouse at the time of enrollment. If the Form 1040 does not list the spouse or partner, the employee should provide a photocopy of a recent (within 90 days of application) bank statement or utility bill that includes both name of the employee and spouse/partner and is received at the same address. Employees may black out all financial information and all but the last 4 digits of any Social Security numbers. Shrink font same as blurb in medical section-make one paragraph.
All coverage changes, waivers and enrollments need to be entered into Benefitsolver no later than October 31, 2021.
- Eligibility Information
- Benefits Under the Domestic Partnership Act
- SHBP Health Benefits for Part-Time Employees (less than 35 hours per week)
- Health Plan Coverage for Eligible Dependents (over age 26 and 31) under Chapter 375
- Medicaid and the Children’s Health Insurance Programs (CHIP)
- Qualifying Life Events
- Notice of Privacy Practices to Enrollees in the State Health Benefits Program
- Notice of Availability
- Notice of Compliance
Applicable medical, prescription drug and dental premiums will be withheld on a pre-tax basis unless you complete a waiver declining the Premium Option Plan (IRC Section 125) for 2022. The form is available at Human Resources Benefits Services Office.
Now is the time to review your health plan and coverage levels and make all necessary changes that would benefit you and your dependents.
- Over Age Children of Active SHBP Members
- Domestic Partnership/Civil Union 2022 Biweekly Premium/Imputed Income Rates Medical/Prescription Drug and Dental
- Chapter 172 Part-Time State Monthly Active Group
- COBRA 2022 Monthly Rates Medical/Prescription Drug or Dental
Tax$ave Program – Key Information
This year’s Open Enrollment period is from October 1st to October 31, 2021.
University Hospital employees who are eligible to participate in the State Health Benefits Program (SHBP) are eligible to participate in Tax$ave. Employees who already participate must re-enroll during this Open Enrollment period for calendar year 2022.
Period of coverage is from January 1, 2022 through December 31, 2022.
Grace Period Extension for Eligible Expenses and Extended Claim Filing Period.
- Employees enrolled in the Unreimbursed Medical or Dependent Care FSAs have until March 15 of the following year to incur eligible expenses for the current plan year.
- The employee has up until April 30 of the following year to submit these claims.
- Any contributions that remain in the account unclaimed after April 30 are forfeited.
The maximum annual allowance that can be set aside for the 2022 plan year is $2,500 for the Unreimbursed Medical FSA and $5,000 for the Dependent Care Account.
Employees who enroll in the Unreimbursed Medical plan will receive the MyWay Visa Debit Card. The card allows the employee to draw on the annual Medical FSA election amount for unreimbursed qualifying medical expenses.
The card may be used for qualifying expenses, such as covered prescription copayments, health plan deductibles, orthodontics, doctor and emergency room copayments, eyeglasses, contact lenses, Lasik surgery, and uncovered dentist or other provider fees.
Enrolling in a Flexible Spending Account
Internet: Employees can enroll in the Unreimbursed Medical and/or Dependent Care FSA plans over the Internet at: HorizonBlue.com/enrollfsa
The deadline for enrollment over the Internet is midnight, October 31, 2021.
Phone: You may call Horizon MyWay at 1-866-999-3531 to enroll over the phone. The deadline for phone enrollment is October 31, 2021
Fax: FSA Enrollment Forms may be faxed by the employee to 1-866-231-0214. The deadline for accepting faxed enrollment forms is midnight, October 31, 2021.
Mail: FSA Enrollment Forms can be mailed by the employee directly to Horizon MyWay,P.O. Box 982814, El Paso, Tx. 79998-2814. The enrollment forms must be postmarked no later than October 31, 2021 Forms postmarked after October 31, 2021 will be returned without action.
You will also have the opportunity to use the FSA Direct Deposit Form to have your Flexible Spending Account (FSA) reimbursement checks deposited directly into your checking or savings account.
Commuter Tax$ave Program – Key Information
Edenred Commuter Benefit Solutions administers the Commuter Tax$ave Program under contract with the State of New Jersey. It allows eligible employees to set aside pre-tax dollars to pay for certain mass transit and commuter parking expenses. Eligible employees may apply at any time. The enrollment cycle is continuous beginning the first of each month and ending on the last day of that month. Employees may enroll using one of the following options:
- Option 1: The current transit cap remains at $265 per month ($3,120 per year). This amount is deducted from salary to pay for mass transit commutation costs (mass transit includes train, bus, ferry and vanpool expenses).
- Option 2: $265 per month ($3,120 per year) to pay for parking at work or at park and ride sites. This does not apply to employees already having pretax parking deducted from their paycheck.
The monthly deduction for the Commuter Tax$ave Program will be withheld from one paycheck of each month. Deductions may only be made for use with the employee’s personal commutation cost for going to and from work.
Eligible employees may enroll using one of the following options:
- Option 1: Visit the Commuter Tax$ave website
- Click the Enroll in Commuter Tax$ave option
- Company Code: SNJ14
- Option 2: Contact Customer Service 888-512-8769.