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Healthcare Reform


Healthcare Reform Information

Health Insurance Marketplace Notice

Under the new Federal Healthcare Reform law, individuals will be able to purchase health insurance through the new Health Insurance Marketplace. Open Enrollment for coverage through the Marketplace will begin in October 2013. If you decide to purchase coverage through the exchange, coverage can be effective as early as January 1, 2014.

The notice below provides some general information regarding the Marketplace. It also provides important information about the Moorestown Township Board of Education group health plan, including who is eligible to enroll in our plan. If you decide to purchase insurance through the Marketplace, you will need the information in this notice.

If you are already covered through our group health plan or if you are eligible for our group coverage:

Please note that the current health benefits offered by Moorestown Township Board of Education meets the minimum value standard as established by the Affordable Care Act and the coverage meets the requirements to be affordable. Therefore if you purchase coverage through the Marketplace, you may not be eligible for a tax credit through the Marketplace and you may lose any Employer contribution you currently receive.

The Board will continue to offer all current health benefit options to eligible employees. No changes are being made to your current health benefits.

If you are not eligible for coverage through the School Board:

If you are not eligible for coverage through the school and you need coverage, the Marketplace may provide some affordable options for you. If you are interested in seeing what your options are, please visit HealthCare.gov for further information.

If you should have any questions about this information or need any additional help, please feel free to contact The Lance Group Employee Benefit Specialists at (856) 797-3500 for assistance.

For a copy of the Health Insurance Marketplace Notice, please Click Here.


Summary of Benefits and Coverage

The Summary of Benefits and Coverage (SBC) is a standard document that was developed to help program participants better understand their health benefits and provides a high level overview of your medical and prescription benefit programs. It also includes a uniform glossary of terms commonly used in the health industry. The SBC is not a comprehensive plan document and is not intended to replace the medical or prescription benefit summaries provided by the carrier.


Great News for Moorestown BOE Employees!

Lower cost plan alternatives- Moorestown Township Board of Education is now offering employees more choices for their medical plan coverage. Employees can choose the coverage that best meets their needs.

Three new medical plans are being offered that also include prescription benefits:

Aetna PPO Core

  • This plan includes a $500 employer contribution to a Health Reimbursement Account that the member can use to pay for eligible expenses.
  • The deductible is based on the Calendar Year and must be met prior to certain eligible medical expenses being covered. Once you have met your deductible, you are then responsible for your copay or coinsurance listed on the benefit summary.
  • For many of the Preferred Care (in-network) services, the deductible is waived, such as Primary Care visits, Specialist visits, as Preventive Care, Chiropractic Care, Inpatient Hospital Care, and Diagnostic Laboratory and X-Ray services.
  • Click Here to find out more about Health Reimbursement Accounts.

Aetna NEW $1500 High Deductible Health Plan

  • For this plan, the school district will contribute 25% of the deductible ($375 single; $750 family) towards a health savings account which the member can use to pay for eligible expenses.
  • Once the In-Network deductible is met ($1,500 individual/$3,000 family), all In-Network medical benefits are covered at 100% for the remainder of the calendar year.
  • Members pay 20% coinsurance for prescription drugs.
  • Click Here to find out more about Health Savings Accounts.

Aetna $2500 High Deductible Health Plan

  • This plan includes $300 employer contribution towards a health savings account which the member can use to pay for eligible expenses.
  • There is no charge for In-Network Preventive Care.
  • Click Here to find out more about Health Savings Accounts.

MEA and General Staff

Click on the plan name below to view the SBC.


Administrators

Click on the plan name below to view the SBC.


Understanding Insurance Terminology

What is the difference between copayments and coinsurance? How does a deductible work? Insurance terminology can be confusing. Click Here for a Glossary of Terms for some common insurance terminology.


To find out more about Healthcare Reform, please visit https://www.healthcare.gov/.

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