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. You will receive information on our medical, dental and prescription plans, along with supplemental voluntary benefits the City has to offer.
If you have benefits under your spouse or another employer, you may waive coverage. You must complete a waiver form.
If you don’t sign up within 60 days of your hire date, you will have to wait until open enrollment is announced.
Open enrollment periods will be announced via email to all employees, Department Directors, and Union heads for distribution to employees.
NOTE: There are payroll deductions for your Health Benefits. The exact deduction can be obtained from the Office of Employee Benefits.
2024 Medical & Prescription Rates Memo
MEDICAL ENROLLMENT PLANS
Employees may elect one of the following Horizon Blue Cross Blue Shield Healthcare Plans:
- Horizon Direct Access
- Horizon POS
- EPO1 and EPO2 (Exclusive Provider Organization)
OR
NOTE: Children are covered until the end of the month that they reach the age of twenty-six (26). Also, any changes in your coverage due to marriage, birth, death, adoption, etc. must be reported 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.
PRESCRIPTION PLAN
Employees are covered under the Prescription Plan through Express Scripts and coverage begins the 1st of the month following 60 days of employment.
- 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: All plans are subject to change once current contract expires.
ADDITIONAL HEALTH BENEFITS
- Employee Assistance Program
- Flexible Spending Account
- 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
- Optical (Glasses, Contact Lenses, etc.) Reimbursement
Send completed claim form and optical receipt to the Division of Health Benefits, City Hall, 280 Grove Street, Jersey City NJ 07302 or email to [email protected].