Linden Public Schools Employee Benefits – Benefits At A Glance

Linden Board of Education has 4 medical plans through Horizon Blue Cross/Blue Shield of NJ (Horizon), a prescription drug plan through Benecard PBF and 2 dental plans, Horizon Dental Option plan and Dental Group of NJ (limited network).  Per New Jersey law effective May 28, 2010 (Chapter 78, P.L. 2011), all employees are required to contribute towards the cost of the medical and prescription plans.  Contributions are based on the salary tables established by the State of New Jersey.  As of July 1, 2014, all employees contribute at year 4 percentage of premium. Employee contributions are made on a pre-tax basis

Once Open Enrollment Ends: When Can You Change Your Benefits?

Major Life Events

Outside of the annual open enrollment period, an employee may change an enrollment election (i.e., add or delete dependents, change level of coverage) only if there has been a “major life event.”

The following are considered qualifying events:

• Marriage, Civil Union partner or divorce /dissolution of marriage or civil union
• Birth or adoption of a child by the employee
• Termination of employment (or commencement of employment) of the employee’s spouse
• The Spouse/partner has a significant change in employment status
• Taking an unpaid leave of absence by the employee or the employee’s spouse
• You waive medical coverage for yourself or your family members because of other health-care coverage—and you lose that other coverage for certain reasons.
• An enrolled family member dies.

Click here for detailed for more information on how to process a change in status due to a Major Life Event.

Horizon Blue Cross Blue Shield Medical Plan Summaries of Coverage

·                  Direct Access 10
·                  Direct Access 15
·                  EPO
·                  MyWay H.S.A Direct Access

Horizon / PrimeTherapeutics Prescription Drug Plan

·                  Instructions to Access Your Horizon Pharmacy Services
·                  Prescription Drug Frequently Asked Questions
·                  List of Prescription Drugs that Require Prior Authorization
·                  Prescription Order Form
·                  Temporary ID Card 
·                  Welcome Letter 
·                  Prescriptions by Mail 

Horizon Dental Option Plan

·                  Dental Option Plan Summary of Benefits

Dental Group of NJ Plan

·                  DGNJ Benefit Summary and Provider list

Health and Dependent Care Flexible Spending Accounts (FSA)

Benefit Resource Flexible Spending Accounts (FSA) Summary
Sample Chart of Over-The-Counter (OTC) Items
Linden BOE FSA – Benefit Resource participant login and information
FSA Enrollment Brochure 

Employee Benefit Insurance Forms

·                  Horizon Enrollment/Change form (medical and/or dental)
·                  FSA 2015 Enrollment Form
·                  DGNJ Enrollment/Change form

Premium Rates and Contribution Information

·                  Monthly Healthcare Buy Up Premiums
·                  Contribution worksheet in Excel

Employee Annual Notices of Health Benefit Rights Under Federal Law

·       Employee Annual Required Notices Cover Letter
·       Initial Notice of COBRA Rights
·       Annual Notice of Federal Health Insurance Requirements
·       Annual Notice of Children’s Health Insurance Program (CHIP)
·       Over-Age 26 Dependent General Notice (Chapter 375)

Links to Carrier Websites

www.horizonblue.com

www.benefitresource.com

 

Contacts

Horizon Medical Member Services: 1-800-355-2583; Group Number: 086479

Horizon Dental Customer Service: 1-800-433-6825; Group Number: 96702

Dental Group of NJ: 1-908-925-6022

Benefit Resources Customer Service: 1-800-473-9595

Health Insurance Broker – BGIA
Denise Gigantino, Account Manager
Phone: (800)272-6771 x231;  dgigantino@bgiains.com