HR News
Open Enrollment for SHBP 2013
The Office of Human Resources at Kean University would like to inform you that the State Health Benefits Program (SHBP) Open Enrollment period for Kean University employees will begin on October 1, 2012, and end on November 9, 2012.
During the Open Enrollment period employees can make general changes (adding or deleting dependents, changing coverage levels, etc.) or enroll in a different medical or dental plan.
All changes to coverage made during this Open Enrollment period will be effective on January 1, 2013.
NEW MEDICAL PLANS AVAILABLE
New medical plan vendor choices are being added for the 2013 plan year. Aetna will be offering three new Preferred Provider Organization (PPO) plans along with moving the High Deductible Health Plans to a PPO platform of providers. Horizon Blue Cross Blue Shield of New Jersey will offer three new HMO plan* choices. The full list of medical plans available to Kean University employees in 2013 includes:
Plan |
Type |
Status |
|
NJ Direct 15* |
PPO |
Existing 2012 Plan |
|
NJ Direct 1525 |
PPO |
Existing 2012 Plan |
|
NJ Direct 2030 |
PPO |
Existing 2012 Plan |
|
Horizon HMO** |
HMO |
NEW |
|
Horizon HMO 1525** |
HMO |
NEW |
|
Horizon HMO 2030** |
HMO |
NEW |
|
NJ Direct HD 1500 |
High Deductible Plan |
Existing 2012 Plan |
|
NJ Direct HD 4000 |
High Deductible Plan |
Existing 2012 Plan |
|
Aetna Freedom15 |
PPO |
NEW |
|
Aetna Freedom1525 |
PPO |
NEW |
|
Aetna Freedom2030 |
PPO |
NEW |
|
Aetna HMO* |
HMO |
Existing 2012 Plan |
|
Aetna HMO 1525 |
HMO |
Existing 2012 Plan |
|
Aetna HMO 2030 |
HMO |
Existing 2012 Plan |
|
Aetna Value HD1500 |
High Deductible Plan |
Existing 2012 Plan – Revised |
|
Aetna Value HD4000 |
High Deductible Plan |
Existing 2012 Plan – Revised |
*The NJ Direct 15 and Aetna HMO Plans, and all other plans labeled “Existing 2012 Plans” in the table above, will continue to be available in plan year 2013. If you are enrolled in one of these plans and wish to remain in the plan, you do not need to take any action.
**The service areas for the Horizon HMOs are limited to New Jersey, Delaware, and bordering counties in Pennsylvania and New York.
CIGNA MEDICAL PLAN TERMINATION
Also effective with the 2013 plan year (as of January 1, 2013), the Cigna medical plans — Cigna HealthCare HMO; Cigna 1525; Cigna 2030; Cigna HD1500; and Cigna HD4000 — will no longer be offered through the State Health Benefits Program (SHBP).
Active Employees enrolled in Cigna medical plans MUST select a new medical plan for 2013, by submitting a Health Benefits Application to the Office of Human Resources during Open Enrollment. If a Kean University employee enrolled in the Cigna Medical Plan fails to select a new medical plan, the Division of Pensions and Benefits has informed us that medical coverage will be terminated effective January 1, 2013.
Note: The Cigna Dental DPO remains available to employees eligible for the SHBP Employee Dental Plans.
PAYROLL DEDUCTIONS AVAILABLE FOR HDHP PARTICIPANTS
Beginning in plan year 2013, employees participating in the one of the High Deductible Health Plans (HDHP) will be able to have tax deferred contributions from their paychecks to fund their Health Savings Account (HSA). Previously, employees were required to make direct contributions and then claim the contribution on their tax returns.
SUMMARIES OF BENEFITS AND COVERAGE
Detailed information about the SHBP’s medical plans is available through new Summaries of Benefits and Coverage which will be posted online by the Division of Pensions and Benefits at:
www.state.nj.us/treasury/pensions/hb-sbc-home.shtml
EMPLOYEE CONTRIBUTIONS FOR SHBP COVERAGE
Pursuant to the Pension and Health Benefit Reform (Chapter 78, P.L. 2011), employees must pay a percentage of the medical and prescription plan premiums (or 1.5% of annual salary if greater). For employees that are subject to a four-year phase-in of contribution rates, “Year Two” contribution rates (with 2013 plan costs) will apply for the period of January 1, 2013 through June 30, 2013. “Year Three” contribution rates (with 2013 plan costs) will apply for the period of July 1, 2013 through December 31, 2013.
The increase in plan premiums will also increase the required employee contribution for medical and prescription coverage. Employees who are considering a change of medical plan based on cost should review the contribution amounts for both “Year Two” and “Year Three” contributions.
Percentage of premium contribution online calculators have been revised for 2013 plan selections and rates, and are available through links at:
www.state.nj.us/treasury/pensions/hb-percentage-home.shtml
WAIVING SHBP COVERAGE
Kean University employees are permitted to waive SHBP medical and prescription coverage — and avoid the required employee contribution — provided that they have other health care coverage. To waive coverage a SHBP State Waiver form and a Health Benefit Application must be completed during Open Enrollment. To waive coverage effective January 1, 2013, employees should indicate “Open Enrollment” on the waiver form; otherwise, the waiver will be effective before January 1st.
Important Note: MEDCO Transition to Express Scripts
Medco Health Solutions, Inc. — the prescription drug benefit administrator for the State Health Benefits Program (SHBP) has merged with Express Scripts, Inc.
As of September 1, 2012, Medco began the transition process to the Express Scripts name.
- Until the renaming process is complete, SHBP members may see the name of either company on communications and on the Internet. However, there will be no changes to your SHBP prescription drug coverage as a result of the merger.
- SHBP members should continue to refill prescriptions using their current prescription drug ID card, refill order forms, the www.medco.com Web site, or the toll-free member services telephone number on your Medco ID card.
DENTAL PLANS
Dental coverage is offered to all full-time Kean University employees through the Employee Dental Plans. Seven different dental plans are offered based on one of two different plan designs — Dental Plan Organizations (DPO) and a Dental Expense Plan (PPO).
• Six DPOs are available: Aetna DMO; BeneCare; CIGNA DHMO; Community Dental Associates; Healthplex; and Horizon Dental Choice.
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 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.
• 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, 2012, will not be permitted to change dental plans during this Open Enrollment.
The employee cost for coverage under a dental plan is 50 percent of the actual dental plan premium. Therefore, the employee cost varies depending on which dental plan an employee chooses; however, the rate for coverage under a DPO remains considerably less expensive than the Dental Expense Plan. For Dental Plan Rates, please click here.
Additional Information
If you have additional questions regarding Open Enrollment, please feel free to contact Yrelys Tapanes, Managing Assistant Director-Benefits at Kean University, by calling 908-737-3313 or via email at ytapanes@kean.edu. You may also review the following SHBP open enrollment information from the Division of Pension and Benefits: www.state.nj.us/treasury/pensions/health-benefits.shtml
Open Enrollment for Tax$ave 2013
October 1 to November 9, 2012, is the Tax$ave Open Enrollment period - your annual opportunity to review Tax$ave coverage and make changes for the 2013 plan year.
Tax$ave consists of three components:
(1) The Premium Option Plan (POP);
(2) The Unreimbursed Medical Flexible Spending Account; and
(3) The Dependent Care Flexible Spending Account.
Tax$ave offers you the opportunity to increase your available income by reducing your federal tax liability. Each year you should review your personal financial circumstances and decide if you wish to participate. For more information, please click here.
During the Tax$ave Open Enrollment period you may:
Enroll, or renew enrollment, in Tax$ave Flexible Spending Account plans for the coming plan year. Re-enrollment is required each year for continued participation in a Tax$ave FSA plan. All enrollments made during this open enrollment period will be effective as of January 1, 2013.
How Do I enroll, or re-enroll?
You have three ways of enrolling in the Tax$ave FSA accounts during the Open Enrollment Period:
- Online at www.wageworks.com,
- Or by submitting an Enrollment Form by fax (1-866-672-4780) or mail (to
address below) and postmarked no later than November 9, 2012:
WageWorks
Enrollment Processing
P.O. Box 1840
Tallahassee, FL 32302-1840
If you have additional questions regarding Tax$ave, please feel free to contact Yrelys Tapanes, Benefits Manager at Kean University, at 908-737-3313 or via email at ytapanes@kean.edu. You may also review the following Tax$ave open enrollment information:
Tax$ave 2012 - Open Enrollment News
FSA Flier
FSA Enrollment Form
POP Flier
HUMAN RESOURCES
Administration Building,
2nd Floor
p: 908-737-3300
f: 908-737-3305
