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Health Benefit Information
BCIT Full Time Employee Health Benefits
Questions regarding health insurance?
Email: BCITPersonnel@burlcoschools.org or call 609-267-4226 x8216
Medical coverage is administered through AmeriHealth and Express Scripts for prescription coverage. Once you have chosen your medical plan with AmeriHealth, you will be enrolled in the prescription plan that coincides.
New employees hired after 07/01/2020 are only eligible to enroll in the Educator Health Plan or the Garden State Plan.
(Employees who were hired prior to 07/01/2020 are eligible to enroll in any of the 6 plans that we offer.)
Educator Health Plan (EHP) EHP Plan Design
Garden State Plan (GSP) GSP Plan Design
Important: The GSP only allows care to be accessed from New Jersey providers who participate with AmeriHealth Local Value Network. If you or your family see providers in Philadelphia, or anywhere else outside of New Jersey, this plan will not provide the same level of benefit that you are used to. Care from providers and facilities outside of NJ will only be covered in the event of a true medical emergency.
Employees are mandated by NJ Chapter 44 to contribute toward their health benefit premiums. To calculate your contribution amount for the EHP or the GSP, please refer to your salary and the percentages in the corresponding chart below.
Educator Health Plan (EHP) Contribution Amount
Garden State Plan (GSP) Contribution Amount
Express Scripts Phone 1.855.224.4098 Website: www.express-scripts.com
Accredo (Specialty Meds) Phone 1.800.803.2523 Website: www.accredo.com
AmeriHealth Enrollment Form
AmeriHeallth Mobile App
AH Teladoc Flyer
AH PPO 10 20 Plan Design
AH PPO 10 40 Plan Design
AH PPO 15 30 Plan Design
AH PPO 15 40 Plan Design
Search for In-Network Providers
AmeriHealth Wellness Program
AmeriHealth 2023 Gym Reimbursement Application
AmeriHealth Claim Form
AmeriHealth Flu Vaccine Information
You can reach out to our brokers directly using the following contact information:
Rob Henry - robert.henry@bbrown.com / (609) 867-9376
Bill Bernhardt - william.bernhardt@bbrown.com / (609) 867-9377
Employee Health Benefit Premiums and Contributions
After 1/1/2021 the PPO 10 20%, PPO 10 40%, PPO 15 30%, PPO 15 40%, dental, and vision plans will still be subject to Chapter 78 percentages, based on Chart Year 4 contributions:
To calculate your health benefit contributions, please refer to the state's percentage chart and the school's current premium amounts.
Chapter 78 Chart Year 4 Percentages
Under Chapter 78 guidelines, employees are required to contribute whichever is higher; 1.5% of base salary or the state-mandated percentage toward coverage costs.
Employees that waive Medical/Rx may still elect dental and/or vision coverage, provided the appropriate Chapter 78 employee contributions are made via payroll deduction.
Health Benefit Waiver Information
Reimbursements will continue to be 25% of the school's saving on Medical and Rx (capped at $5,000.00) per school year.
Reimbursement checks will be issued to eligible employees in December and June.
Waiver applications must be submitted every year by June 1st to be eligible for the following school year.
Employees are eligible for reimbursement even if they are covered by a NJ state sponsored plan or a current BCIT health benefit plan.
Waiver forms must be filled out completely and returned to BCITPersonnel@burlcoschools.org with proof of current Medical/Rx coverage by the deadline date mentioned above in order to be eligible for the 2024-2025 school year.
Dental coverage for BCIT employees is administered through Delta Dental of NJ.
Dental coverage is subject to Chapter 78 employee contributions. Below are the Annual Premiums.
Plan Size | Dental PPO Plus Premiere Group #07204-00001 | Dental PPO Group #07204-06001 |
|---|---|---|
Single | $543.12 | $428.40 |
Emp/Spouse | $950.16 | $750.12 |
Parent/Child | $950.16 | $750.12 |
Parent/Children | $1,284.12 | $1,014.00 |
Family | $1,284.12 | $1,014.00 |
Delta Dental Claims Processing Change for PPO Plans Effective 1.1.2022
Effective January 1, 2024 - Delta Dental now offers an Enhanced benefit for individuals with special health care needs.
Please view the benefits here: Special Health Care Needs Benefit Flyer
Delta Dental Contact Info
Customer Service 1-800-452-9310
Delta Dental Plan Summaries
Delta Dental PPO Plan Summary
Delta Dental PPO Plus Premier Plan Summary
Dental Forms
Dependent Full-Time Student Documentation Form
For dental dependents only: Dependent coverage is age 2-26, no dental claims will be paid until the dependent attains the age of 2. Dependents may remain on dental coverage through the end of the calendar year that they turn 26 in, regardless of student status.
Full-time BCIT employees are entitled to Vision Insurance through Vision Service Plan (VSP). Vision coverage is for BCIT employees only (not the employee’s spouse or dependents).
Vision coverage is subject to Chapter 78 employee contributions. Below is the Annual Premium Amount effective 07/01/22-06/30/26
$184.92
Dependents are only entitled to the vision coverage available as defined by the Medical coverage.
Information regarding VSP Vision is available at: http://www.vsp.com
Please visit the VSP Vision website for assistance with submitting an Out of Network Claim.
VSP Vision Enrollment form
Make Changes to Existing Coverages
It is each employee's responsibility to complete and submit the proper paperwork to Personnel if there is a life event that would affect benefits coverage. A life event would be defined as, "loss or start of an existing coverage due to marriage, death, divorce, birth, adoption". Changes made outside of the annual enrollment period must be done within 30 days of a life event. Due to a life event, employees may add and remove dependents from exiting coverage, elect coverage (if eligible), or waive coverage (if eligible). Changes between plan designs can only be made during an annual Open Enrollment period.
Prudential Disability Program
If you are currently enrolled in the program, you can increase your monthly benefit up to $500 higher.
Members not in the program can join during open enrollment without answering health questions.
Enroll on-line at enroll.njea.org
1095-C Tax Documents
IRS Extends the deadline for employers to distribute 2022 Forms 1095-C to employees until March 2, 2023.
The Internal Revenue Service requires employers with more than 50 employees to provide 1095-C forms to each full-time employee.
These tax forms will be used to verify health benefit coverage for the employee and eligible dependents in the prior calendar year.
This year 1095-C documents will be uploaded to the Edumet portal. Please review the form upon receipt.
If the dependent information listed on the form needs to be updated, please send an email with the corrected information to bcitpersonnel@burlcoschools.org.
You may visit the link below to learn more about these new IRS documents and the Affordable Care Act.
The Hartford Life Insurance & ADHD
Full-Time Employees of BCIT are eligible for a $5,000 Life Insurance Policy and AD&D through The Hartford at no cost to employees. In order to receive this benefit, employees simply need to fill out The Hartford Beneficiary Designation Enrollment Form and return to BCIT Personnel. The form only needs to be submitted one time unless employees would like to change their current beneficiaries.
The Hartford Beneficiary Designation
The Hartford Life Insurance also offers an Employee Assistance Program for Life Members. Employees who have completed and submitted their Beneficiary Designation form to BCIT Personnel are eligible to utilize this program.
EAP - Ability Assist Counseling Services
EAP - Beneficiary Assist Counseling Services
Additional Services for Employees who are enrolled in Life & Disability Insurance.