Frequently Asked Questions
North Brunswick Township School District
What health plans are available to me as an eligible Board of Education employee?
The District currently offers medical and prescription benefits through Aetna / CVS Caremark. Our dental plans are placed with Delta Dental of New Jersey. Refer to your plan overviews for details about our plans.
-
What is the "health waiver" option?
The health waiver, or "cash-in-lieu-of-benefits", option offers flexibility in creating a personalized package of benefits. If you choose to enroll in health benefits elsewhere (e.g., through your spouse's employer plan), you can choose to waive your District benefits. This option is available only to employees with access to other health coverage. If you lose your other coverage, you can immediately enroll in the District plan by completing an enrollment form and providing loss documentation.
If you have questions about this option, please contact the Benefits Office for instructions. Visit the Waiver Option page for details.
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 change your plan at that time. It is important to notify the Benefits Office immediately 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 birth of a child, you have a specified window of time to make changes to your health plan. It is important to enroll your new dependent within the assigned window or you may need to wait until the next Open Enrollment period.
Newborn children are automatically covered for 60 days from date of birth. To continue coverage beyond the initial 60 days, you must actively enroll your child in the District plans. All other new dependents must be enrolled within 31 days of eligibility. To make a smooth and timely update, complete the appropriate enrollment forms and forward to the Benefits Office 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 last day of the calendar month in which he/she turns age 26.
Dental coverage is provided through the last day of the calendar month in which he/she marries or attains age 23, whichever comes first; orthodontia benefits end on the last day of the calendar month in which he/she attains age 19.
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 COBRA or the Chapter 375 (<31 Dependent) plan (see below).
Refer to the Dependent Coverage page for more details.
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. Click on the Dependent Coverage page for more information.
Where can I find a list of providers that participate in my plan?
Our carriers provide helpful search tools to help you locate primary doctors, specialists, facilities, and others that participate in your plan:Where can I get help if I have questions about claims or benefits?
If you have questions about your plans, visit the Get Help page for help reaching the carriers through toll-free phone numbers, websites, or email. You can find help with questions about your benefits, providers, claims, and more. When you contact either carrier, be sure to have your ID card and birth dates handy.
How can I find out about mail-order pharmacy?
If you take medications on a regular basis, you could benefit from the CVS Caremark mail service pharmacy. Here's how to get started:
Review the Mail Service Pharmacy Brochure
Log in to your Online Member Services account: aetna.com
Call toll-free: (888) 792-3862
Complete and send: the Medication Order Form and your original prescription order to CVS Caremark
How can I find out about COBRA benefits?
If any of the below qualifying events occurs, you and your enrolled dependents may be eligible to continue benefits under COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985):
* Your death
* Your hours of employment are reduced or your employment is terminated
* Your divorce or legal separation
* Your entitlement to Medicare
* Your child no longer qualifies as a dependent
* A proceeding under the United States Bankruptcy Code involving the employer from which you have retired
You must notify the Benefits Office within 60 days of a divorce, legal separation or when a child no longer qualifies as a dependent. You are responsible for paying the required amount to continue coverage for a maximum of 18 or 36 months, depending on circumstances. Additionally, an extension of up to 29 months may be granted to qualified disabled beneficiaries.
For more details on COBRA, visit Continuing Coverage or your plan booklet.