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This page provides information about Open Enrollment for COBRA participants and COBRA beneficiaries in waiting.
Centenary University will be conducting its annual Open Enrollment from June 14 through June 27, 2023 for the plan year effective July 1, 2023.
Note: The deadline for making any changes to your COBRA benefits is June 27, 2023. If you would like to make changes to your medical, dental, and/or vision coverage, please send your request via email to Christine Rosado at christine.rosado@centenaryuniversity.edu by June 27, 2023.
WHAT IS OPEN ENROLLMENT?
During Open Enrollment, you can make changes to your medical, dental, and vision coverage. You can switch plans and add or drop coverage for yourself, your spouse/domestic partner, and/or your dependent(s).
You can make changes to your benefits throughout the plan year only when you experience a qualifying life event. Some examples of a qualifying life event are marriage, divorce or legal separation, and the birth or adoption of a child. Enrollment changes for any other reason may only take place during this Open Enrollment period.
WHAT ARE MY BENEFIT CHOICES?
The following benefit choices are available to you during this Open Enrollment period:
Medical Coverage – 3 Options
(click on plan names below to review plan summaries)
United Healthcare Oxford Freedom
United Healthcare Oxford Liberty
United Healthcare Oxford Liberty POST
To view a side-by-side comparison of the medical plans, please click here.
To view the monthly premium rates for the medical plans, please click here.
To search for a doctor or hospital, please view the UHC provider search instructions.
For the Optum Rx prescription drug listing, click here.
For the Optum Rx prescription mail order form, click here.
To review the UHC new member guide, click here.
For information on the UHC mobile app, click here.
For your information, here are some other benefits offered by UHC:
Virtual Doctor Visits
Sweat Equity Fitness Program
Real Appeal Weight Loss Program
Rally Health Survey
Quit for Life Smoking Cessation Program
Behavioral Health Services
Dental Coverage – 2 Options
(click on plan names to review plan summaries)
Delta Dental PPO Plus Premier
Delta Dental DeltaCare Flagship DMO
To view a side-by-side comparison of the dental plans, please click here.
To view the monthly premium rates for the dental plans, please click here.
To search for a dentist, visit www.deltadentalnj.com and click on “Find A Dentist.” Choose “Delta Dental PPO Plus Premier” or “Flagship” as the plan name when performing a search.
Vision Coverage – 2 Options
(click on plan names to review plan summaries)
VSP Vision Service Base Plan
VSP Premier Plan
To view a side-by-side comparison of the vision plans, please click here.
To view the monthly premium rates for the vision plans, please click here.
To search for an eye doctor, visit www.vsp.com and click on “Find A Doctor.”
You can also refer to the COBRA Benefits Guide for plan information and rates.
HOW DO I MAKE CHANGES TO MY BENEFITS?
If you would like to make changes to your medical, dental, and/or vision coverage, please send your request via email to Christine Rosado at christine.rosado@centenaryuniversity.edu by June 27, 2023.
You can also view the COBRA benefits you are currently enrolled in by logging into your WageWorks/HealthEquity COBRA account at https://cobra.wageworks.com/ParticipantSite/ or by calling WageWorks/HealthEquity at 1-888-678-4861.
WILL I RECEIVE A NEW ID CARD?
COBRA participants electing a new or different benefit plan will receive an ID card reflecting the new plan they selected, with an effective date of July 1, 2023. If you elect a new plan, an ID card will be mailed to you from United Healthcare and Delta Dental. If you continue in the same medical or dental plan you are currently enrolled in, you will not receive a new ID card. ID cards will not be mailed from VSP, as an ID card is not required to receive vision services. For your convenience, you do have the capability to print your UHC, Delta Dental, and VSP ID cards online.
WHAT IF I TAKE NO ACTION?
If you are currently enrolled in medical, dental and/or vision benefits and you do not take any action, your medical, dental and vision benefit elections will remain the same. Please review the 2023-2024 COBRA rates here. If you would like to make changes to your medical, dental, and/or vision coverage, please send your request via email to Christine Rosado at christine.rosado@centenaryuniversity.edu by June 27, 2023.
WHERE CAN I GET MORE INFORMATION?
Please contact our benefit advocate DirectPath/Optavise at 1-866-253-2273 who will be able to assist you with any questions you may have. DirectPath/Optavise is available Monday through Friday 8am-9pm and Saturday 9am-2pm. If you require additional assistance, please contact Christine Rosado at christine.rosado@centenaryuniversity.edu.
Definitions
Coinsurance – The percentage of each health care bill a person must pay out of their own pocket. Non-covered charges are in addition to this amount.
Copayment – The amount you must pay out of your own pocket when you receive medical care or a prescription drug. A copayment applies to each in-network visit or prescription.
Deductible – The amount the insured must pay before any payment is due from the insurance company. A covered individual is responsible for their deductible only once each calendar year.
Out of Pocket Maximum – Each plan limits the amount an individual may pay out of their own pocket during a calendar year. Once the out of pocket maximum is met, benefits are paid at 100%. Deductibles, coinsurance, prescriptions, and copayments accrue toward this amount.
Pre-certification – Pre-certification may be required for certain procedures. Failure to obtain this authorization may result in a reduction or exclusion of benefits. Speak with your physician when using the following services: non-emergency hospital admissions, emergency hospital admissions, and complex imaging tests. Please note that this is not a complete list – contact your carrier for a comprehensive listing.