Open Enrollment

 

Plan Year 2024 State Health Benefits Program (SHBP) Open Enrollment

 

The State Health Benefits Program (SHBP) Open Enrollment period for Kean University  employees begins on October 1, 2023, and ends on October 31, 2023. 

Open Enrollment allows employees to 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 January 1, 2024.

 

ONLINE ENROLLMENT THROUGH MYNJBENEFITSHUB

All health benefit elections must be submitted online through mynjbenefitshub which can be accessed via the myNewJersey account portal or via mynjbenefitshub.nj.gov. 

Mynjbenefitshub / benefitsolver - login here

The Company Key is SHBP/SEHBP (all capital letters)

Employee Guide to Logging into Benefitsolver 

Please note that health benefit rates may be viewed in the portal. 

 

VIRTUAL BENEFITS FAIR

The Virtual Benefits Fair is now open, and will be available throughout the Open Enrollment period by logging in to mynjbenefitshub. Employees can visit vendor booths to learn about their plan options, additional free benefits offered by our SHBP partners, and enter for a chance to win prizes. 

Employees are encouraged to login and attend the Virtual Benefits Fair,  review their Benefits Summary, and/or update mailing and email addresses for accuracy even if they are not making any changes during the Open Enrollment period. It is essential that accurate mailing and email addresses are on file in this portal so members can receive important information from the Division of Pensions and Benefits.

SHBP Virtual Benefits Fair:  https://businessolver.foleon.com/state-of-new-jersey/2024-sonj-vbf-state-ae/

 

On Campus Benefits Open House

On October 19th, Kean University will hold a Benefits Open House on campus from 12pm to 2pm  in the Miron Student Center. Please join us at the event to learn more about your benefits.  

 

PLAN CHANGES FOR 2024

Changes to minimum deductible amounts set forth by Internal Revenue Service (IRS) regulations necessitate modifications to the SHBP High Deductible plan offerings for Plan Year 2024. In order to meet the IRS minimum deductible amounts required to contribute to a Health Savings Account (HSA), the HD1500 plan will be replaced by a new NJ DIRECT HDLow plan, and the HD4000 plan will be replaced by a new NJ DIRECT HDHigh plan.

 

NJ DIRECT HDLow

For Plan Year 2024, the deductible for NJ DIRECT HDLow will be $1,600 for single and $3,200 for family coverage. The HSA contribution limit will be $4,150 for single and $8,300 for family coverage. The HSA employer contribution will be $300. The HSA catch-up contribution limit for persons age 55 or older will be $1,000. The in-network out-of-pocket maximum will be $2,600 for single coverage and $5,200 for family coverage. The out-of-network out-of-pocket maximum will be $3,600 for single coverage and $7,200 for family coverage.

 

NJ DIRECT HDHigh

For Plan Year 2024, the deductible will be $4,100 for single and $8,200 for family coverage. The HSA contribution limit will be $4,150 for single and $8,300 for family coverage. The HSA catch-up contribution limit for persons age 55 or older will be $1,000. The in-network out-of-pocket maximum will be $5,100 for single coverage and $10,200 for family coverage. The out-of-network out-of-pocket maximum will be $6,100 for single coverage and $12,200 for family coverage.

 

Further details regarding plan design, summaries and comparisons, and rates for the new high deductible plans can be found on the NJDPB website. 

 

INCENTIVE PROGRAM FOR THE TIERED NETWORK PLAN

The Incentive Program for Horizon OMNIA is extended. The program offers 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.

 For more information regarding this incentive, members may visit Incentive - Tiered Network. 

 

TYPE AND LEVEL OF COVERAGE

You will not able to select different levels of Medical and Prescription Plan Coverage. For example, a member may not elect to have Single Medical coverage and Member/Spouse Prescription coverage. The level of coverage must be the same for both plans.

Members also must elect to enroll in both Medical and Prescription. If a member wishes to waive coverage, both Medical and Prescription coverage must be waived. See the “Waiving SHBP Coverage” section for more information.

 

FIND A HEALTH CARE PROVIDER

The MyChoice Find a Provider tool (powered by Amino) is an easy-to-use online service to help members quickly find relevant, experienced, high-quality healthcare providers and facilities. Search for providers and benefits using 1,400 unique topics. Members can request an appointment and MyChoice will handle the scheduling. Existing health benefit programs like telemedicine, Direct Primary Care, and disease-specific programs, are also conveniently accessible.

MyChoice Find a Provider can be accessed in mynjbenefitshub through your myNewJersey account or via http://www.mynjbenefitshub.nj.gov

Members can access each carrier’s provider directory and website through mynjbenefitshub. Links to carrier websites which include provider directories can also be found on the NJDPB website.

 

MEMBERSHIP TO DIRECT PRIMARY CARE MEDICAL HOME DOCTOR’S OFFICE INCLUDED IN SHBP

The SHBP offers employees and their covered dependents the opportunity to join a Direct Primary Care doctor's office. This is available as part of the Horizon plans and does not require any changes to members’ health plan elections. For more information, visit Direct Primary Care Medical Homes. 

 

2024 PLAN OVERVIEWS

The SHBP 2024 Plan Overviews provided by Horizon contain a side-by-side view of the basic benefits, copayments, and other out-of-pocket costs for the SHBP medical and prescription drug plans. 

Prescription Drug – 2024 Comparison Charts

• Rx - State Union Negotiated (for IFPTE, AFT, Managers, NJLESA, NJSOLEA)
• Rx - for CWA
• Rx - State All Other (for PBA)

SUMMARIES OF BENEFITS AND COVERAGE

Detailed information about the SHBP’s medical plans is available through the Summaries of Benefits and Coverage. A link to the 2024 summaries can be found on the NJDPB website.

 

NJWELL PROGRAM

NJWELL provides inclusive and holistic experiences to meet members’ needs through activities and education programming to support healthy lifestyles. NJWELL is open to employees who are enrolled in the SHBP. Spouses and eligible partners also can participate, as long as they are covered by the SHBP plan. Participants have access to specialized programming and benefits, including live wellness events, fitness challenges, and online wellness platforms tailored to their unique needs. Participants can also earn up to a possible $350 in rewards based on points earned from participation in NJWELL. The current NJWELL 2023 Plan Year will be coming to a close on October 31, 2023. Watch your email for upcoming information about NJWELL in 2024. For information about the program, visit the NJWELL website.

 

WAIVING SHBP COVERAGE

State employees are permitted to waive SHBP medical and prescription coverage and avoid the required employee contribution. State employees can elect to waive coverage at any time via mynjbenefitshub or during Open Enrollment.

Note: Yearly waivers are not required. Employees who have already waived coverage do not need to elect to waive each Open Enrollment period.

 

PAYROLL DEDUCTIONS AVAILABLE FOR HDHP PARTICIPANTS

Employees participating in one of the High Deductible Health Plans (HDHP) are able to use tax-deferred contributions from their paychecks to fund their Health Savings Account (HSA). If you elect to enroll in one of the High Deductible plans, a separate HSA contribution form is required to be completed by you and returned to the Office of Human Resources to enroll in an HSA. 

 

DENTAL PLANS

There are no dental plan changes for Plan Year 2024. Dental coverage is offered to eligible employees through the Employee Dental Plans. Five different dental plans are offered based on one of two different plan designs — Dental Plan Organizations (DPO) and a Dental Expense Plan (DEP).

• Four DPOs are available: Aetna DMO; CIGNA DHMO; Horizon Dental Choice; and MetLife.

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 selected DPO to receive coverage. Be sure to confirm that the dentist or dental facility is taking new patients and participates with the SHBP Employee Dental Plans, since DPOs also service other organizations.

• The Dental Expense Plan is a Preferred Provider Organization (PPO) plan that allows members to obtain services from any dentist; however, 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.

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.

 

TAX$AVE OPEN ENROLLMENT

 

ADDITIONAL INFORMATION

If you have questions regarding the SHBP Open Enrollment, please contact benefits@kean.edu.