Frequently Asked Questions
Bridgewater-Raritan Regional School District


What health plans are available to me as an eligible Board of Education employee?

The District currently offers medical and prescription plans through Horizon Blue Cross Blue Shield of New Jersey (BCBSNJ). Our dental plan is placed with Delta Dental. Visit the Plan Options page to find overviews and summaries detailing available plans.

What is the Opt-Out Option?

The benefits Opt-Out Option, sometimes called a "waiver of benefits" option, offers flexibility in creating a personalized package of benefits. This option is an alternative to selecting health care coverage through the District, but is available only to employees with other health coverage. For example, if you have coverage through your spouse's employer, you may be eligible to receive cash instead of the District's health coverage. If you lose your other coverage, you can immediately enroll in the District plan by completing an enrollment form and providing documentation of eligibility. Visit the Opt-Out Option webpage for more details.

If you have questions about this option, contact the Human Resources Department at (908) 685-2777 x937604 / lflorek@brrsd.k12.nj.us.


When can I make changes to my plan?

You can make changes to your plan at Open Enrollment (spring of each year). However, if your family experiences a life change (such as marriage, adoption, birth, or death), you can make adjustments to your plans at that time. It is important to contact the Human Resources Department at (908) 685-2777 x937604 / lflorek@brrsd.k12.nj.us immediately (within 30 days) when such an event occurs.

How can I add new dependents to my plan?

When an important event occurs in your life, such as marriage, adoption, or the birth of a child, you have a specified window of time (30 days) to make changes to your health plans. It is important to enroll your new dependent within the given window of 30 days or you may need to wait until the next Open Enrollment period.

To make a smooth and timely change within the given window, complete the appropriate enrollment forms and forward to the Human Resources Department immediately after the event.

What are the rules for dependents who "age out"?

The Affordable Care Act (ACA) provides for medical and prescription coverage through the District for your eligible dependent through the end of the calendar year in which he/she turns age 26. Dental coverage for your dependent child typically ends on his/her 19th birthday (or 23rd birthday if attending an accredited school, college, or university as a full-time student).

You must notify the District when your dependent is no longer eligible for coverage or he/she could forfeit rights to continuing coverage options. Children no longer covered by your plan may be eligible to continue coverage under an alternative plan.


What is the "Chapter 375" or <31 Dependent plan?

The New Jersey Chapter 375 (Dependent <31) plan gives eligible adults to age 31 the choice to elect health and/or prescription coverage under a parent's group health plan. Visit the Chapter 375 webpage for more information.

Where can I find a list of providers that participate in my plan?

Both Horizon BCBSNJ and Delta Dental offer online search tools to help you locate primary doctors, specialists, facilities, and others that participate in your plan:

Horizon BCBSNJ Doctor & Hospital Finder
Delta Dental Find a Dentist

Where can I get help if I have questions about claims or benefits?

When you have questions about your plans, visit the Get Help page for help reaching our carriers via toll-free phone numbers, online services, or e-mail. You can find help with questions about your benefits, providers, claims, and more. Be sure to have your ID card and birth dates handy.

Each carrier offers access to your plan information online. View your claims, benefits, order an ID card, and much more. If you are not yet registered, do so today!

Horizon BCBSNJ Member Online Services
Delta Dental MySmile

When do services need precertification?

Certain services, such as hospitalization or outpatient surgery, require precertification from Horizon BCBSNJ. In-nework providers are responsible for obtaining precertification prior to treatment. If you are enrolled in a plan that offers an out-of-network benefit and you are obtaining services from an out-of-network provider, you are responsible for contacting Horizon BCBSNJ directly for precertification.

How can I find out about mail-order pharmacy?

Horizon BCBSNJ partners with Prime Therapeutics / AllianceRx Walgreens Prime to manage our prescription plans.  AllianceRx Walgreens Prime can help you begin a new mail-order prescription or have renewals delivered to your home.   Just call AllianceRx Walgreens Prime at (866) 525-1590 to speak with an associate or mail your prescription with the Home Delivery Registration and Prescription Order Form to get started.

Once your prescription is on record, you can order refills by mailing a completed Order Form or online when you sign in / register for services at alliancerxwp.com. 

How can I find out about COBRA and other continuing coverage options?

    If you/your dependent is no longer eligible for District health benefits due to, for instance, a divorce or age limits, you must notify the Human Resources Department (908) 685-2777 x937604 / lflorek@brrsd.k12.nj.us. Visit the Continuing Coverage webpage to find out about COBRA and other options.