All covered employees must have access to prescription drug coverage. The type of prescription coverage provided and costs are determined by the option offered by your employer and the medical plan you select.
Medical Plan Eligibility for Dependents
Dependents of Employees may be eligible for medical coverage if they fall into one of the following categories:
- Legal spouse
- Same-sex domestic partner or civil union partner
- Eligible children under age 26 (including stepchildren, foster children, adopted children or children an employee is legally required to support)
When Medical Plan Coverage Begins
| Employee Type | Coverage | Example |
|---|---|---|
| 10-Month Faculty hired 9/1 | Benefits (medical, prescription, dental) effective 9/1 | Ex: Faculty hired 9/1, benefits effective 9/1 |
| 12-Month Faculty hired 9/1 or after, Regular Full-Time Staff |
Benefits (medical, prescription, dental) effective 60 days from hire date | Ex: Faculty/Staff hired 10/1, benefits effective 12/1 |
| 10/12-Month, Temporary, Part-Time Staff
*ACA eligible – working 30 hours per week within the first 2 months of employment |
*Benefits (medical, prescription) if eligible, effective 60 days from hire/eligibility date | Ex: 10/12-Month, Temporary, Part-Time Staff hired 8/5, benefits effective 10/5 (if eligible) |
Available Medical Plans
- Health Maintenance Organizations (HMO)
- Health Maintenance Organization plans administered by Horizon
- Preferred Provider Organization (PPO)
- Preferred provider organization plans administered by Horizon
- Tiered Network (TN)
- Tiered network plans administered by Horizon. Members have the flexibility to visit practitioners in the carrier’s managed care network as well as significant premium share reductions, with no referrals required. Learn more about the Tiered Network Incentive Program.
- High Deductible Health Plans (HDHP)
- Preferred provider organization plans administered by Horizon
Medical Plan Fact Sheets
The medical plans available to employees for Plan Year 2024 are listed below. Please note that not all plans are available to all employees.
Medical Plans: CWA Unity DIRECT/CWA Unity DIRECT 2019*; Horizon OMNIA Health Plan, Horizon HMO**, NJ DIRECT HDLow; NJ DIRECT HDHigh
*Members hired prior to July 1, 2019, will be enrolled in CWA Unity DIRECT. Members hired after July 1, 2019, will be enrolled in CWA Unity DIRECT 2019.
**The service areas for Horizon HMO are limited to New Jersey and bordering counties of Pennsylvania, Delaware, and New York.
Medical Plans: NJ DIRECT/NJ DIRECT 2019*, Horizon OMNIA Health Plan, Horizon HMO**, NJ DIRECT HDLow; NJ DIRECT HDHigh
- IFPTE/AFSCME Medical Plan Comparison Chart
- Rates for IFPTE/AFSCME Biweekly Employees
- Horizon Calculator
*Members hired prior to July 1, 2019, will be enrolled in NJ DIRECT. Members hired after July 1, 2019, will be enrolled in NJ DIRECT 2019.
**The service areas for Horizon HMO are limited to New Jersey and bordering counties of Pennsylvania, Delaware, and New York.
Medical Plans: NJ DIRECT/NJ DIRECT 2019*, Horizon OMNIA Health Plan, Horizon HMO**, NJ DIRECT HDLow; NJ DIRECT HDHigh
*The service areas for Horizon HMO are limited to New Jersey and bordering counties of Pennsylvania, Delaware, and New York.
**Members hired prior to July 1, 2019, will be enrolled in NJ DIRECT. Members hired after July 1, 2019, will be enrolled in NJ DIRECT 2019.
Medical Plans: NJ DIRECT/NJ DIRECT 2019*, Horizon OMNIA Health Plan, Horizon HMO**, NJ DIRECT HDLow; NJ DIRECT HDHigh
- Non-Aligned/Managerial Comparison Chart
- Rates for Non-Aligned/Managerial Employees
- Horizon Calculator
*The service areas for Horizon HMO are limited to New Jersey and bordering counties of Pennsylvania, Delaware, and New York.
**Members hired prior to July 1, 2019, will be enrolled in NJ DIRECT. Members hired after July 1, 2019, will be enrolled in NJ DIRECT 2019.
Medical Plans: NJ DIRECT15; NJ DIRECT1525; NJ DIRECT2030; NJ DIRECT2035; Horizon OMNIA Health Plan*, Horizon HMO*, NJ DIRECT HDLow; NJ DIRECT HDHigh, NJ DIRECT/NJ DIRECT 2019**
*The service areas for Horizon HMO are limited to New Jersey and bordering counties of Pennsylvania, Delaware, and New York.
**Members hired prior to July 1, 2019, will be enrolled in NJ DIRECT. Members hired after July 1, 2019, will be enrolled in NJ DIRECT 2019.
How to Enroll
First time users:
1.Visit nj.gov/treasury/pensions
2. Click on Access Benefitsolver
3. Click on Register
4. Enter the requested registration information
5. Confirm your new password, then click “continue” to return to this page and login to Benefitsolver.
Already have an account:
- Visit my.state.nj.us
- Login by entering your username and password
Click ‘Benefitsolver’ and follow the instructions to enroll in your benefits or waive coverage.
You must make your elections by the deadline shown on the calendar. If you miss the deadline you will waive any electable benefit coverage, and have to wait until the next annual enrollment period to enroll.
Enroll in your benefits from your mobile device. Visit mychoice mobile app on your smart phone or tablet, download one from your device’s app store. You can simply log on to my.state.nj.us on your laptop, home computer and tap your way through your elections.
View plan details, carrier specifics and benefit guides by clicking ‘Reference Center’ in the main navigation.
You have year-round access to your benefit summary and specific benefit elections at www.benefitsolver.com. Click ‘Benefits Summary’ on the homepage to review your current benefits.
Review, edit and approve your personal information, elections, dependents and beneficiaries.
Once you have reviewed your elections and they are accurate, click ‘Approve’ to continue.
Your enrollment isn’t complete until you confirm your benefit elections and cost.
Print your election information and confirmation number for future reference or save it to your Message Center.
Medical Plan Contacts
For more information about any participating plan, speak with a plan representative. Contact information can be found on the New Jersey Division of Pensions and Benefits Plan Contacts page.