Employee Benefits

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Open Enrollment: May 5th – May 21st, 2021


Hired Before 07/01/2020

Waive Coverage
Change Coverage

Hired ON or After 07/01/2020
If you were hired on or after July 1, 2020, you are required to enroll in this plan if you are not waiving coverage.

Waive Coverage

Change Coverage 


Important Information regarding benefits, retirement, FSA, Option to Waive Benefits Program and Safety!!! - Click HERE

Benefits Member Portal

2020 - 2021 Cost Calculator

2021 - 2022 Cost Calculator

EHP Presentation

New Jersey Educators Health Plan (EHP)
  Plan Info

2021-2022 Horizon Direct Access 15: Plan Design | Employee Cost Chart

2021-2022 Horizon Direct Access 10: Plan Design Employee Cost Chart

2021-2022 Horizon Direct Access 0: Plan Design | Employee Cost Chart

2021-2022 Horizon POS: Plan Design |Employee Cost Chart

2021-2022 Horizon Direct Access 15/25:Plan Design |Employee Cost Chart

2021-2022 Omnia 10 with BlueCard: Plan Design|Employee Cost Chart

The Egg Harbor Township School District offers full time employees hired before July 1, 2020 medical/vision and prescription benefits for the employee and the employee’s family at a cost dictated by the State of NJ under the provisions of Chapter 78, PL 2011.  The employee benefit contribution is a percentage of the Board’s cost of your medical and prescription benefits utilizing a sliding scale based on your salary.  There are Employee Cost Charts posted just above to assist you in determining the amount of employee benefit contributions that will be deducted from your pay. The district offers seven different medical plans.  You can find the plan designs in detail above as well (click on plan designs).  The Board will pay the cost of the Direct 15 plan (less employee benefit contributions).  If you select a plan with a higher cost to the Board you will also be responsible to pay cost of the plan upgrade, in addition to your increased mandated benefit contributions.  The plan upgrade cost would be the difference between the cost of the plan you chose and the cost of the Direct Access 15 plan.  You can find the costs of the plans in the Employee Cost Chart as well.  If the plan costs less there is no fee.  

Chapter 44 requires all school districts to implement a plan called the New Jersey Educators Health Plan (EHP).  If you were hired ON or AFTER July 1, 2020, or eligible to receive benefits as of that date, you will have the option to enroll in EHP only or waive coverage. 

The medical plan that you select will include vision insurance through Horizon Davis Vision.  You will receive separate cards for Davis Vision.  Your Davis Vision member ID will be the same as your Horizon member ID, but will be through the affiliated company, not Horizon directly.

The District offers all full time employees, and their family members, dental insurance through Delta Dental of NJ at no cost to the employee.  Children cannot be enrolled in the dental insurance program until they reach two years of age.  You may enroll children within 60 days of their second birthday, or during any subsequent open enrollment period.


Frequently used benefits forms:
Medical: Horizon Group Enrollment/Change Request Form
Prescription: Benecard PBF Enrollment/Change Form
Dental: Delta Dental Enrollment/Change Form

Documentation Required: When submitting the forms above to enroll or make changes you must submit necessary documentation.  

Add a baby to your insurances You have 60 days from the birth date to enroll your baby; the insurance will be retroactive to the date of birth. Your employee benefit contributions will be increased as of that date as well, therefore you may owe back deductions.  

Please complete the Horizon (Medical/Vision) and Benecard (Rx) forms; adding your new dependent, sign and date and return to me. You must list each dependent already on your plan if you wish them to remain covered.

2. You must submit the birth certificate with your enrollment forms.

3. Please wait until you receive a social security number for the baby to submit your forms.   

4. Your dependent cannot be enrolled in the Delta Dental of New Jersey dental insurance plan until he or she reaches two years of age.

Add a spouse to your insurancesThe State of NJ allows 60 days from the date of your marriage to enroll your spouse.  Your spouse will be added retroactive to the date of your marriage. Your employee benefit contributions will be increased as of that date as well, therefore you may owe back deductions.  It is recommended that you complete the documents and submit them to the business office within 30 days of the event.

1. You will need to attach a copy of your marriage certificate to the enrollment forms  

2. If you have been married a year or more, you must also submit a copy of your most recently filed Federal 1040 form that indicates you filed jointly (you may black out/white out the financials).  

3. If you are adding new step children, you will need to include copies of their birth certificates, which must include parents' names on them. 

4. Complete and sign all three forms: Horizon, Benecard and Delta Dental of NJ.  All dependents must be listed.   Do not be concerned with completing areas that are not self-explanatory, as district personnel will be entering this into the respective databases.

Change your name:  If you are adding your spouse to your insurances you may change your name on those enrollment forms.  

1.  Complete and sign all three forms: Horizon, Benecard and Delta Dental of NJ.   All dependents must be listed.  Do not be concerned with completing areas that are not self-explanatory, as district personnel will be entering this into the respective databases.

2. To change your name within the school district, you must complete a new W4 form with your new information.  Send the completed W4, along with a copy of your social security card with your new name on it to Jane Rainear, Human Resources.

Add a child to dental insurance: Children may be added to the dental insurance within 60 days of their second birthday.  If you missed that opportunity, the next time the child could be enrolled is during open enrollment period.   Open enrollment period is during the month of October to submit the paperwork which takes effect on January 1 or during the month of May to submit the paperwork which take effect on July 1.

1. Complete and sign Delta Dental of NJ Enrollment/Change Form.  

Include the birth certificate, which must include parents’ names on them, unless submitted when adding to medical/prescription insurance.


Divorce: It is incumbent upon the employee enrolled in the district's insurance benefits to inform the employer of changes that will affect your type of insurance coverage. These changes include, but are not limited to, divorce. An employee who becomes divorced, has sixty days to process the documents to remove their ex-spouse from the district's insurance coverage. The date of termination of the ex-spouse will be the first of the month following the divorce. If Horizon verifies that claims were paid for a divorced spouse, they may recapture all those payments from the covered employee.

1. Employees are required to submit an updated address to the district so that we can offer the ex-spouse COBRA benefits.  

2. Complete and sign all three forms: Horizon, Benecard and Delta Dental of NJ.   All dependents must be listed.  Do not be concerned with completing areas that are not self-explanatory, as district personnel will be entering this into the respective databases.

3. Proved a copy of your court documents verifying your divorce is final and the date of the divorce.

Access to Telehealth and Nurse Advice Hotlines

Horizon members will have no cost, 24/7 access to licensed nurses who can assess and assist members with symptoms that are consistent with suspected COVID-19 infection. Those service are available through the company’s free “Horizon Blue” app, the www.HorizonBlue.com online portal, or by phone at 1-888-624-3096. Members may also use those services to consult with a nurse about other health concerns and potentially avoid a visit to a physician office or urgent care facility.

Horizon:  Free Identity Protection Services

Horizon:  Doctor Finder   -   Link  -  App for iPhone
Blue365 Discount Program
Getting Care on the Road
bFit Overview ActiveFit Overview  Link
Horizon:  Update to bFit to Include Walking
Horizon:  Compatible Fitness Trackers
Member Online Services
24/7 Access to Nurse Line
                                                                                                                                                                                                                        Medical Professional.png

Davis Vision:
Website for Davis Vision
The district provides vision coverage through Horizon Vista/Davis Vision.  Employees who are enrolled in Direct Access 15 or the Horizon POS are automatically enrolled in Horizon Vista/Davis Vision XV.  Employees who are enrolled in Direct Access 10 or the Horizon 15/25 are automatically enrolled in Horizon Vista/Davis Vision X.  Those employees who are enrolled in the Omnia Plan have vision insurance within that plan.   Horizon Vista/Davis Vision View Network mailed cards to everyone's home in July 2017.  Unfortunately many employees assumed that they received junk mail and destroyed them.  The member ID number for Davis Vision is the same as your Horizon member ID number on your health insurance card.  So if you do not have your Davis Vision card you may inform your eye doctor of your member ID number and let them know that it is through Davis Vision.  
Click below for detailed information regarding your Davis Vision Plan.  Davis Vision provider services can be reached at 1-800-773-2847.  Davis Vision customer service can be reached at 1-800-278-7753.
Horizon Vista X/Davis Vision 10
Horizon Vita XV/Davis Vision 15

Benecard PBF: 
Your Prescription Benefit Program is administered through Benecard. The Benecard Prescription Benefit Program provides you with access to more than 99% of pharmacies within New Jersey and approximately 95% nationwide. Therefore, you will be able to have your prescriptions filled whether you are at home, on vacation or have a dependent away at school. You have access to a pharmacy locator, preferred medication list, and program-specific details online at www.benecardpbf.com.

If you have additional questions or concerns you may contact Benecard directly at 1-877-723-6005 or if you would prefer you can contact our brokers at Brown and Brown Benefit Advisors at 800-811-4122. 

Benecard 2020 Perfromance Formulary

Delta Dental of NJ- Website for Dental Insurance

Flexible Spending Plan (Section 125):
Click HERE for Maestro Health Flyer 

A Flexible Spending Account for unreimbursed medical expenses and dependent care expenses is available to all employees through Aflac (Maestro Health).  More information is available at
http://aflac.maestrohealth.com  The Flexible Spending Account permits employees to contribute pre-tax contributions to the plan for eligible dependent care and unreimbursed medical expenses. If you have children in daycare or if you typically spend over $1,000 out of pocket for medical expenses (Rx co-pays, doctor co-pays, dental work, eyeglasses, contacts, Lasik surgery, orthodontics, etc.) this may be of benefit to you. The website includes tax savings calculators to see if the plans are of benefit to you. This is approximately 7% of $1,000 contributed. The lowest federal tax bracket is 17.65% (federal taxes and FICA).   This programs runs during the school year, July first through June thirtieth.  The open enrollment period for participation is in May of the previous year.  If you are a new hire, you may enroll within 30 days of your hire date.  This program offers a “benny card” for medical expenses.  Click HERE for an enrollment application.  Completed applications should be emailed to:   michael_fiedler@us.aflac.com

Employee Pensions

The Egg Harbor Township School District is required to enroll all employees in a pension fund as administered by the State of NJ.   Certified employees are enrolled into TPAF, support staff into PERS and DCRP is for our part time employees.  Sometimes it takes the State more than a month to enroll you in the pension system, so you may not see pension deductions in your paycheck immediately.  When the State does send us a certification to take pension deductions from your paycheck, the deductions may be doubled for a period of time.  This is determined by the State, as we cannot make deductions until the State provides the certification to us to do so.  Below are the handbooks available for each retirement system.


TPAF - Teacher's Pension and Annuity Fund Pension Information and Handbook


PERS- Public Employees' Retirement System Pension Information and Handbook


DCRP- Defined Contribution Retirement Program Information

Member Benefit Online System (MBOS) for PERS & TPAF


All employees should be registered on the NJ Division of  Pension & Benefits Member Benefit Online System (MBOS). You can change your beneficiaries online and access all your pension information. Also,you can obtain a pension loan is through this system, provided you have a minimum service of three years. The state will not accept a paper pension loan application.  You can also apply for a pension loan over the automated system at 609-777-1777.  You will need your pension member number to register for MBOS and to apply for a pension loan, it is located on your pay statement which is located on the employee portal.



Employee Injury/Worker Compensation Information (click here)