Open Enrollment
NOVEMBER 8, 2021 THROUGH DECEMBER 3, 2021
What You Need to Know for 2022
The District will continue to partner with Meritain Health to administer the health benefit plans. Meritain Health connects you with the Aetna Choice POS II network of participating providers.
Your current health plan election will remain the same if you do not request any changes.
Delta Dental and National Vision Administrators will continue to provide dental plans and discounted vision benefits.
Your current plans will remain the same if you do not request any changes.
Benefit Express will continue to administer the flexible spending accounts (FSA). The flexible spending accounts (health, dependent care and transportation) require annual enrollment for continued participation.
Your FSA will not automatically continue in 2022; you must re-enroll each year.
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.
The Exclusive Provider Organization (EPO) plans were formerly known as HMO. These plans provide coverage for in-network providers only.
The Point of Service (POS) plans were formerly known as Open Access. These plans provide coverage for both in-network providers and out-of-network providers.
Exclusive Provider Organization Plans (EPO) formerly Health Network Only
+ 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
Point of Service Plans (POS) formerly Open Access Plans
+ Summary of Benefits and Coverage – POS 10
+ Summary of Benefits and Coverage – POS 10/15
+ Summary of Benefits and Coverage – POS 15
+ Summary of Benefits and Coverage – POS 15/25
+ Summary of Benefits and Coverage – POS 20/20
+ Summary of Benefits and Coverage – POS 20/35
+ Summary of Benefits and Coverage – HDHP
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 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
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 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
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) continues through 2021 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.
+Click here to view – FSA Quick Reference Guide
Flexible Spending Accounts
Transportation Spending Accounts
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 / $2,700 maximum
- Dependent Care FSA $5,000 maximum
- Transit/Parking FSA $270 monthly maximum
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
+ Click here to view – Delta Dental Enrollment Form
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. Please use the following worksheets to determine your cost under Chapter 78:
+ Click here to view – Meritain Health NJEHP POS $10 $15 Contribution Schedule
- Calculate Premium Percentages Worksheet
- EE Contribution Percentage of Premium Chart
- Health Plan Rate Chart in effect through June 30, 2022
Forms
+ Click here to view – Meritain Health Enrollment/Change Form
+ Click here to view – Delta Dental Enrollment Form
+ Click here to view – FSA Enrollment Form