Health Insurance

Health Insurance: Full-time contractual employees and their families are eligible for a standard health insurance package consisting of medical, prescription, dental and vision coverage. Covered employees are obligated to contribute toward the cost of this coverage as defined in NJ Public Law 2011, Chapter 78. They may also select alternative coverage packages, or waive benefits as defined in various employment contracts. 
Upon an employee's separation from the District at the end of the same month ALL benefits will be terminated.
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Open Enrollment is when you can change plans according to your needs. All changes made during the Open Enrollment period will have an effective date of July 1, 2019. 

If you experience a LIFE EVENT outside of this time frame during the year you can request to change your Benefit(s) plan if necessary. Note you must request to make the change within a short amount of time from the date of the life event.

"Life Events" that you should notify Payroll & Benefits about immediately: 
Maternity Leave/Birth of a Child 
Foster Care
Loss of Dependent Status
Extended Illness 
Death of dependent  

Eligibility / Enrollment
Horizon Enrollment & Change Form
Life Event: Adding A Dependent  

Summary Plan Information
19-20 Summary of Medical Plans
2019-2020 Open Enrollment Guide
October Wellness Webinar: Breast Cancer Awareness, Detection and Prevention
Employee Contributions        

Waiver of Coverage 
If you are an employee that is eligible for benefits you can waive enrolling in Horizon Medical and/ or Delta Dental. Please complete the attached form and submit the original form and a copy of your currently enrolled Health Care Card  (front & back) by June 14, 2019. (see attached form) 
2019/2020 new hires please submit the form by: August 1, 2019.
Opt-Out Form
Opt-Out is Taxable income
Required Notices
Please note the attached annual Medicare Part D Rx Compliance notification...  
The notifications include:
Medicare Part D Creditable Coverage Notice - This notice has information about your current prescription drug coverage and about your options under Medicare’s prescription drug coverage.  Please review the notice for additional information.

CHIPRA/CHIP Notice - If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage.  These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.  Please review the notice for additional information.

Women's Cancer Rights Act Notice - This requires group plans to make certain benefits available to participants who have undergone a mastectomy.  Our plan complies with these requirements. Please review the notice for additional information.

HIPAA Notice of Privacy – This notice describes how health information about you may be used and disclosed and how you can get access to this information.  Please review the notice for additional information.

General Notice of COBRA Continuation Coverage Rights -  This notice has important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan.  Please review the notice for additional information.

Special Enrollment Rights – If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage.  Please review the notice for additional information.

Newborns and Mothers Disclosure Notice – Under Federal and state law you have certain rights and protections regarding your Maternity benefits under the Plan.  Please review the notice for additional information
2018 Annual Health Plan Notices

Immunization Network – No Co-pay Immunizations 

Blue365 – Health & Wellness Discounts 
Blue365 Program Summary
Blue365 Member Discounts 

Other Resources 
Horizon Mobile App
Horizon Member Online Services
Horizon Expand Labatory Network