OPEN ENROLLMENT | HEALTH & DENTAL| LONG TERM BENEFITS   
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Open Enrollment

NOVEMBER 15, 2024 THROUGH DECEMBER 6, 2024

What You Need to Know for 2025

The District will continue to partner with Meritain Health, Delta Dental and National Vision Administrators to manage the benefit plans.

Your current benefit plan elections, including waivers, will remain the same if you do not request any changes.

WEX will continue to administer the flexible spending accounts (FSA). The flexible spending accounts require annual enrollment for continued participation.


Your FSA will not automatically continue in 2025; you must re-enroll each year.

MERITAIN HEALTH PLANS

  • Point of Service (POS) plans provide coverage for in-network providers and out-of-network providers.
  • Exclusive Provider Organization (EPO) plans provide coverage for in-network providers only.
  • Meritain Health connects you with the Aetna Choice POS II network of participating providers.
  • The Summary of Benefits and Coverage (SBC) is an easy to read summary that lets you compare costs and coverage between health plans to choose a plan that is best for you.

Point of Service Plans (POS)

+ Summary of Benefits and Coverage – POS 10/15 (NJEHP)
+ Summary of Benefits and Coverage – POS 10
+ Summary of Benefits and Coverage – POS 15/25
+ Summary of Benefits and Coverage – POS 20/20
+ Summary of Benefits and Coverage – POS 20/35

Exclusive Provider Organization Plans (EPO)

+ Summary of Benefits and Coverage – EPO 10
+ Summary of Benefits and Coverage – EPO 15/25
+ Summary of Benefits and Coverage – EPO 20/20
+ Summary of Benefits and Coverage – EPO 20/35

Health and Dental Plans

  • You may change plans, add or remove dependents from coverage 
  • You may waive health coverage – please see the Health Coverage Waiver section  
  • Complete the Google Form for desired change
  • If adding a new dependent child, you must provide a copy of the birth certificate
  • If adding a new spouse, you must provide a copy of your marriage certificate

Health Plans

  • You will keep the NJEHP POS $10 $15 plan
  • You are may add or remove dependents from coverage
  • You may waive health coverage – please see the Health Coverage Waiver section
  • Complete the Google Form for desired change
  • If adding a new dependent child, you must provide a copy of the birth certificate
  • If adding a new spouse, you must provide a copy of your marriage certificate

Dental Plans

  • You may change plans, add or remove dependents from coverage 
  • Complete an enrollment/change form to request your desired change
  • If adding a new dependent child, you must provide a copy of the birth certificate
  • If adding a new spouse, you must provide a copy of your marriage certificate

The health coverage waiver (Opt-Out) will continue with payments issued in June and December. The payment amounts are limited to 25% of premium savings or $5,000 per year, whichever is lesser.

For new health coverage waivers, please complete a Meritain Health enrollment /change form, select “Waiver” and return with a copy of your current health insurance ID card.

Flexible Spending Accounts (FSA)

The flexible spending accounts tax savings on eligible expenses that are incurred between January 1st and December 31st.  

Health Flexible Spending Accounts - link to video

Flexible Spending Accounts

Commuter - link to video

Commuter Benefits

Dependent Care Reimbursement Accounts - link to video

Dependent Care Reimbursement Accounts

If an FSA is right for you and your family, please return a completed enrollment form with the annual election amount.

  • Health FSA $500 minimum / $3,050 maximum
  • Dependent Care FSA $5,000 maximum
  • Commuter Benefits $300 monthly maximum

+ Click here to view – FSA Enrollment Form

Dental Plans

All employees may change dental plans during the open enrollment period.

+ Click here to view – Delta Dental PPO/Premier/Advantage Plan Summary
+ Click here to view – Flagship Dental Program

 

Employee Contributions

All employees share the cost of health and prescription drug insurance with the District. Employee cost is based on plan election, coverage tier, and salary.

The POS $10/$15 (NJEHP) plan uses Chapter 44 to calculate employee contributions.

EPO and POS plans, except NJEHP,  use Chapter 78 to calculate employee contributions. Please use the following worksheets to determine your cost under Chapter 78:

Forms

+ Click here to view – FSA Enrollment Form

All forms must be received by the Department of Human Resources by the close of business on DECEMBER 6, 2024