CHAPTER: 5 - EMPLOYEE BENEFITS ADOPTED:  3/07/06
SECTION: 1 - HEALTH BENEFITS REVISED:  5/4/11


Eligible employees and their dependents, as applicable, are afforded many health benefits through their employment with the County.  Furthermore, eligible retirees enjoy a continuation of medical and prescription benefits.  Average hours of a work week, years of service, and health benefits through other sources are examples of circumstances that affect an individual’s ability to enjoy these benefits. 

Errors in either enrollment or claim forms are the responsibility of the employee and not the employer.

If an employee does not expect the need for medical or prescription benefits and has coverage elsewhere, employees may choose to waive this coverage (see HR 5.2 for more details).

 

Currently, Conner Strong Companies is the administrator for many of the County’s health benefits.  Employees may contact Conner Strong Companies through the following mechanisms:

 

Conner Strong

40 Lake Center Executive Park

401 Route 73 North

P.O. Box 989

Marlton, NJ  08053

Contact:  Lisa A. Fiordaliso

Tel:  856/552-4626

Fax: 856/552-4627

lfiordaliso@connerstrong.com

 

Medical

All full-time employees and certain part-time employees in accordance with the appropriate negotiated agreement, and eligible dependents of eligible employees, may choose to select one of the County's plans according to the negotiated contracts.  In general, most negotiated bargaining agreements provide a choice between a Quality Point of Service (QPOS) $5.00 Co-Pay or a Quality Point of Service (QPOS)$10.00 Co-Pay; however, employees should refer to their union contract for specific details.          

Gloucester County pays all premiums for eligible employees and their dependents for either QPOS plan; however, some negotiated bargaining agreements have an employee cost share in place.  Employees should refer to their union contract for specific details.  All employees must select a plan or indicate that they wish no coverage.  Employees who wish to decline medical and/or prescription coverage will be paid a monthly premium based upon appropriate negotiated agreements (see HR 5.2 for more details). 

Coverage for new employees will begin exactly 60 days from the date of hire for Medical and 60 days following the first of the month for Prescription, Dental and BCS Vision Plan.      

Identification cards will be distributed from the Carriers, Aetna for Medical and Express Scripts Inc. for prescription only.   Dental and Vision use the group number only.     

After retirement, termination of coverage, or while on an approved leave of absence, medical health benefit coverage may be continued.  You must notify Human Resources of your retirement/termination date to ensure uninterrupted group coverage.  Human Resources will in turn contact Conner Strong Companies.  Conner Strong Companies will answer generic questions pertaining to retirement prior to being notified by Gloucester County Human Resources.  Please see HR 2.7 Exhibit E explains Continuation of Coverage forms for employees, dependents, and separated/divorced spouses/civilly unionized partners.

Any employee who fails to enroll his/her dependents or wishes to change from one plan to another may only make changes to medical and prescription during the Annual Open Enrollment period in November, with coverage effective February 1. 

 

The only other time you may make changes to your plan is if you experience a Life Changing Event or if you or your dependent(s) experience a loss of coverage.  A Life Changing Event is defined as death, divorce/dissolution of civil union, marriage/civil union, or birth.  If you experience a life changing event, you have 30 days to notify Conner Strong Companies and Human Resources.  If you or your dependent experiences a loss of coverage you must notify Human Resources within 60 days. 

 

Please note that if you have a change of address, or name, you must notify Human Resources (see HR 9.3).

 

Dental

Single dental coverage is available for all full-time and eligible part-time employees in accordance with the current negotiated contracts and for non-union employees.  A description of plan benefits can be obtained through Conner Strong Companies.

Gloucester County also offers the opportunity for union employees in accordance with the current negotiated contracts and non-union employees to elect a group dental plan for spouses/civilly unionized partners and/or dependents.  The additional cost above the traditional, employee only, dental plan must be partially paid through payroll deduction by the employee.  The employer for CWA and non-union employees will contribute towards this plan in accordance with signed CWA contract.  A description of plan benefits can be obtained through Conner Strong Companies.

 

Annual Open Enrollment for dental and vision is done in November for an effective date of February 1. 

Prescription

Gloucester County provides a three tier prescription plan (generic, preferred and non-preferred) for all full-time employees, eligible part-time employees in accordance with the current negotiated contracts, and their eligible dependents.  This plan includes the following co-pays:  $5 for generic, $10 for preferred, and $20 non-preferred, as covered under the negotiated contracts.

Coverage for new employees begins the first day of the month following the completion of 60 days of employment.

Prescription cards will be distributed by Express Scripts, Inc. (the Carrier) prior to the effective date of coverage.

Vision

The BCS Life Insurance Company vision plan benefit is offered in accordance with the appropriate negotiated collective bargaining agreement.  As applicable, this benefit is offered to employees and their dependents.  BCS will reimburse the covered person for a portion of one annual eye examination every 12 months.  The plan also provides an allowance toward the cost of lenses every 12 months and frames every 24 months. A description of plan benefits and claim forms can be obtained through Conner Strong Companies.

Annual Open Enrollment for dental and vision is done in November for an effective date of February 1. 

Retirement Health Benefits

Insurance coverage for medial and prescription benefits will be provided to retirees as follows:

The Employer shall continue medical coverage for employees who retire on pension with at least twenty-five (25) years or more credited service in PERS or PFRS, together with their dependents.

The employer will provide for continuation of prescription benefits to all employees who retire with at least twenty-five (25) years of pension time and seven years employment with the County.  Employees should refer to their respective bargaining unit contract to determine whether prescription coverage extends to spouses/civil union partners and dependents.

 

Employee:

All new, eligible employees:

Should complete the enrollment forms for benefits including selection of either QPOS 5 or QPOS 10 plan  and return it to Connor Strong Companies within two weeks from his/her designated new employee orientation date to avoid a 30 day suspension on the effective date of the coverage. 

Or

Elect no coverage (see HR 5.2).

Should notify Conner Strong Companies of changes in coverage (additions or deletions of dependents) as soon as possible to ensure proper coverage (HR 5.1 Exhibit N).

Should contact Conner Strong Companies and Human Resources as early as possible for complete details on continuing medical health benefits after retirement, termination of coverage, or while on an approved leave of absence to ensure uninterrupted group coverage.

Conner Strong Companies:

Provides enrollment forms and information about the features of the available health, dental, prescription and vision benefit programs for all eligible employees.

Enrolls new, eligible employees in the selected plan.

Oversees changes in coverage or questions pertaining to coverage as applicable.