Plan Options
Your Health Plans
Burlington Township School District

Our District medical and dental plans are offered through Aetna and Delta Dental respectively and are administered by the Schools Health Insurance Fund (SHIF). Our prescription plan is through BeneCard PBF.

Below are overviews and summaries* for the plans available to eligible employees. Please refer to these materials for details about your plan choices. Click here for current premium rates and visit the Online Calculators to compare contribution amounts.

Chapter 44 NJEHP / GSP Medical & Prescription:
Reminder: if your start date was on or after July 1, 2020, you must be enrolled in the New Jersey Educators Health Plan (NJEHP) or Garden State Plan (GSP) for medical and prescription coverage. If you are enrolled in either plan, see below for information about your benefits.

NJEHP Medical Plan:
Booklet / SBC / Overview / Calculator

GSP Medical Plan:
Booklet / SBC / Overview / Calculator

Note: NJEHP/GSP members are advised to review the below BeneCard Performance Drug Formulary to learn which drugs are covered/not covered; confirm coverage for your prescriptions by contacting BeneCard customer service at (877) 723-6005 or log into your online member portal.

2024 NJEHP / GSP Performance Formulary
NJEHP Prescription Brochure
GSP Prescription Brochure
Visit the Prescription Drugs page for details on how to save on your out-of-pocket prescription costs and more.

Chapter 78 SHIF/Aetna Medical Plans:
Eligible employees have access to several Aetna medical plan options: Patriot V $10, Patriot X (Buy-Up Option), High Deductible with Rx (HDHP), QPOS $5, PPO Buy-Up, PPO Core, plus the NJEHP and GSP plans.

The Aetna Patriot V $10 is the District's medical Base Plan. Employees who choose to enroll in the higher-premium Patriot X plan are required to pay the difference in premium between the Patriot X and Patriot V $10 plans. This is in addition to applicable Chapter 78 contributions. The PPO Core, PPO Buy-Up, and High Deductible Health Plan (HDHP) options are lower-premium plans that can reduce your mandated contribution amount. See plan overviews below:

Page 1: Simplified Medical Plan Comparison
Page 2: Simplified Medical Plan Comparison

Aetna Patriot V $10 (Base Plan) SBC / Booklet
Aetna Patriot X (Buy-Up Option) SBC / Booklet
Aetna High Deductible with Rx (HDHP) SBC / Booklet
Aetna QPOS $5 (Citizen) SBC / Booklet
Aetna PPO Buy-Up SBC / Booklet
Aetna PPO Core SBC / Booklet

Guardian Nurses Program: Employees and dependents enrolled in a medical plan have access to dedicated nurse advocates who can help coordinate care and navigate the complexities that can occur with an illness. See these flyers for information:
Struggling with a healthcare issue?
Get to know Guardian Nurses

Aetna Teladoc Benefit: This telemedicine feature is available to members enrolled in medical plans (other than the HDHP) with $0 copay; HDHP members benefit from a reduced claim cost. Seek medical help 24/7 online via phone or computer!
Teladoc & Mental Health Care

Vision Benefit: The Patriot V $10, Patriot X, and Citizen QPOS medical plans include a vision benefit when you visit participating Aetna eye care providers (out-of-network services are not covered). The NJEHP offers a vision benefit with a discount on eyewear and services. View your Your Vision Benefit page to learn more.

Copay Reimbursement Benefit: If you are enrolled in the Patriot V $10 or Patriot X medical plan, Aetna will reimburse a portion of eligible copays. Just submit copied receipts with the reimbursement cover sheet directly to Aetna. Once your plan deductible is met, Aetna will reimburse 70% (Patriot V $10) or 80% (Patriot X) of your copay amount.

Aetna Online Directory: log into the member website.

HIPAA Notice: Health Insurance Portability and Nondiscrimination Requirements for Workers

Chapter 78 BeneCard PBF Prescription:
Note: if you are enrolled in a 3-tier copay pharmacy plan, you are advised to review the BeneCard Primary Drug Formulary to determine which brand-name prescriptions are preferred and which are non-preferred. Contact BeneCard customer service at (877) 723-6005 or log into your online member portal.

The BeneCardPBF $10/$30/$50 retail copay plan is the District's prescription Base Plan. However, you have the option to enroll in a 'Buy-Up' or 'Buy-Down' prescription plan: if you choose the BeneCardPBF Buy-Up option, you are required to pay the difference in premiums between the two plans plus applicable Chapter 78 contributions. If you choose the Buy-Down option, you will pay less in contributions plus applicable Chapter 78 contributions.

Simplified Prescription Plan Comparison
BeneCard Base Plan ($10/$30/$50 retail copay) Brochure
BeneCard Buy-Up Option ($10/$15/$25 retail copay) Brochure
BeneCard Buy-Down Option (lesser of 20% or $15/$50 retail copay) Brochure

How does the Base Plan deductible work? The Base Plan annual deductible is $50 per Individual / $100 per Family based on plan year July 1 through June 30. Once you meet this deductible, eligible prescription costs will be covered by BeneCardPBF and you are responsible only for your copay.

Note: all family members contribute toward the $100 Family deductible; however, each will contribute no more than $50 toward the deductible up to the total $100. Once reaching $50 in deductible, that family member is responsible for only his/her copay.

Click here for examples.

SHIF/Delta Dental:
The District offers the Delta Advantage Plus Premier program to all eligible employees. With this plan, your dental benefit is covered as follows:

1) Participating providers will pre-file their usual fee for commonly performed procedures with Delta Dental, and agree to accept either the least of their actual charge, the pre-filed fee, or the established UCR (Usual, Customary & Reasonable) rate as payment.

2) Services obtained from non-participating providers are based on either the lesser of the dentist's actual charge or the prevailing fee as determined by Delta Dental.

3) You are responsible for payment of the difference between the Delta Dental payment and the fee approved by Delta Dental.

Advantage Plus Premier Booklet / Summary
Dental Exclusions and Limitations

*Note: these overviews and summaries highlight only the major features of your benefits and are not a contract. In the event of a discrepancy between overviews/summaries and the actual group contract, the contract language prevails. Services shown are for illustrative purposes only.