HEALTH BENEFITS
Within
60 days of your hire date, a member of the
Office of Employee Benefits will contact you to schedule your
Benefits Orientation.
During the orientation, you will receive information about the City's
medical,
dental, and prescription plans, as well as the
supplemental voluntary benefits
available to employees.
If you are covered under your spouse's employer-sponsored health plan or another
employer's health plan, you may elect to
waive City health coverage. To do so, you
must complete and submit a
Benefits Waiver Form.
Open Enrollment periods will be announced via email to all employees and through
notices posted on bulletin boards throughout City buildings. Employees are encouraged to review all Open Enrollment materials carefully and submit any elections or changes by the applicable deadline.
NOTE: Payroll deductions apply to your health benefits. The exact employee contribution amount can be obtained from the
Office of Employee Benefits, as payroll deductions are determined in accordance with
Chapter 78 and are based on your salary and elected level of coverage.
MEDICAL ENROLLMENT PLANS
Employees may elect one of the following Meritain Health/Aetna Plans:
• DA Plan
• POS Plan
• EPO1 and EPO2 (Exclusive Provider Organization)
• Omni Plan
• DA-HSA Plan
• Omni-HSA Plan
NOTE: Children are covered until the end of the month in which they reach the age of twenty-six (26). Also, any changes in your coverage due to marriage, birth, death, adoption, etc., must be reported to the Office of Employee Benefits within sixty (60) days of the event.
DENTAL ENROLLMENT PLANS
Employees may elect one of the following Horizon Blue Cross Blue Shield Dental Plans:
- The Open Plan - yearly maximum of $1,300 per individual, and is accepted by most dentists for non-uniform employees.
- The Open Plan - yearly maximum of $2,000 per individual, and is accepted by most dentists for uniform employees (Police and Fire).
- The Closed Plan - offers less out-of-pocket expense, no yearly maximum, and a list of dentists from which to choose.
Children are covered until age nineteen (19) unless you submit proof of enrollment to Horizon each semester that they are full time student. They are then covered until the end of the month they turn twenty-three (23).
If an employee wishes to change dentists in the Closed Plan, the change will NOT be effective until the first of the following month.
NOTE: Payroll deductions apply to your health benefits. The exact employee contribution amount can be obtained from the Office of Employee Benefits, as payroll deductions are determined in accordance with Chapter 78 and are based on your salary and elected level of coverage.
PRESCRIPTION PLAN
Employees are covered under the Prescription Plan through Express Scripts, and the effective date of coverage is as follows:
- If an employee’s hire date falls between the 1st and 5th of the month, prescription coverage will become effective two (2) months from the employee’s date of hire.
- If an employee’s hire date falls on the 6th of the month or later, prescription coverage will become effective on the first (1st) day of the month following completion of the two-month waiting period.
For example, an employee hired on January 3 would have prescription coverage effective March 3. An employee hired on January 6 would have prescription coverage effective April 1.
- Union Member co-pays:*
- $23 for a brand-name drug
- $2 for a generic drug
- Management co-pays:*
- $25 for preferred brand name and
- $35 for non-preferred brand.
- $5 for generic.
Maintenance drugs, such as medications prescribed for chronic, long-term conditions and taken on a regular, recurring basis, are subject to mandatory mail order.
* $5.00 for generic brand, $25.00 preferred brand, $35 non-preferred brand – Police, Fire, Local 246, and JCSA.
NOTE: Payroll deductions apply to your health benefits. The exact employee contribution amount can be obtained from the Office of Employee Benefits, as payroll deductions are determined in accordance with Chapter 78 and are based on your salary, elected level of coverage, and union affiliation.
ADDITIONAL HEALTH BENEFITS
- Flexible Spending Account (FSA)
- Commuter Benefits
- Dependent Care Flexible Spending Account (DCFSA)
- Supplemental Voluntary Benefits with Trustmark
- PayCheck Protect w/Mental Illness
- Universal Life Insurance with Long Term Care
- Critical Health Events
- Accident Insurance
- Hospital StayPay Insurance
- Legal Services
- Supplemental Voluntary Benefits with Corestream
- Auto & Home Insurance
- Pet Insurance
- Identity Theft Protection
- Discount Shopping
- Legal Services
- Optical (Glasses, Contact Lenses, etc.) Reimbursement
Send the completed claim form, along with your optical receipt and NC Voucher, to the Office of Employee Benefits, City Hall, 280 Grove Street, Room 106, Jersey City NJ 07302 or [email protected].
- Wellness Program
- Employee Assistance Program