TABLE OF CONTENTS

INTRODUCTION

SPECIAL PLAN PROVISIONS UNDER THE SHBP

Women’s Health and Cancer Rights Act

Automobile-Related Injuries

Work-Related Injury or Disease

Health Insurance Portability and Accountability Act

Mental Health Parity Act Requirements

Certification of Coverage

HIPAA Privacy

Notice of Provider Termination

Purchase of Individual Insurance Coverage

Medical Plan Extension of Benefits

Audit of Dependent Coverage

Termination for Cause

STATE HEALTH PROGRAM ELIGIBILITY

Active Employee Eligibility

State Employees

Local Employees

Eligible Dependents

Medicare Coverage While Employed

Retiree Eligibility

Aggregate of Service Credit

Eligible Dependents of Retirees

Enrolling in the Retired Group of the SHBP

Medicare Coverage

How to File a Claim if You are Medicare Eligible

Retirees with Medicare Who Move outside the United States

COBRA COVERAGE

Continuing Coverage When It Would Normally End

COBRA Events

Cost of COBRA Coverage

Duration of COBRA Coverage

Employer Responsibilities Under COBRA

Employee Responsibilities Under COBRA

Failure to Elect COBRA Coverage

Termination of COBRA Coverage

NJ PLUS

GENERAL CONDITIONS OF THE PLAN

Medical Need and Appropriate Level of Care

Reasonable and Customary Allowances

Experimental or Investigational Treatments

Educational or Developmental Services or Supplies, or Educational Testing

Predetermination of Benefits

Custodial, Maintenance, and Supportive Care

Prescription Drug Benefits

Employee Prescription Drug Plan

      Plan Benefits

Prescription Drug Benefits Provided Through SHBP Health Plans

Employee Prescription Drug Reimbursement Plan for NJ PLUS Members

Retiree Prescription Drug Coverage

Coordination of Benefits

Plan Benefits

In-Network Benefits

      Selecting a Primary Care Physician (PCP)

      How to Access Information That Will Help You Choose a PCP

Out-of-Network Benefits

      Deductibles

      Coinsurance

Utilization Management

Overall Benefit Maximums

Mental Health Maximums

Summary of Covered Services and Supplies

Specific Coverage Areas

Acupuncture

Alcoholism and Substance Abuse

Allergy Testing and Treatment

Ambulance

Audiology Services

Automobile-Related Injuries

Biofeedback

Birthing Centers

Blood

Breast Reconstruction

Chiropractic Services

Congenital Defects

Dental Care

Diabetic Self-Management Education

Dialysis

Durable Medical Equipment and Supplies

Emergency Medical Services

Emergency Room

Federal Government Hospitals

Home Health Care

Home Hemophilia Treatment

Hospice Care Benefits

Hospital-Based Weight Loss Programs

Immunizations

Infertility Treatment

Lithotripsy Centers

Lyme Disease Intravenous Antibiotic Therapy

Mastectomy Benefit

Maternity/Obstetrical Care

Maternity/Obstetrical Care for Child Dependents

Mental or Nervous Conditions and Substance Abuse

Nutritional Counseling

Organ Transplant Benefits

Pain Management

Pap Smears

Patient Controlled Analgesia (PCA)

Physical Therapy

Pre-Admission Hospital Review

Pre-Admission Testing Charges

Preventive Care

Private Duty Nursing

Scalp Hair Prostheses

Second Surgical Opinion

Shock Therapy Benefits

Skilled Nursing Facility Charges

Speech Therapy Benefit

Surgical Services

Temporomandibular Joint Disorder (TMJ) and Mouth Conditions

Vision Care Benefits

Charges Not Covered by the Plan

Third Party Liability

Repayment Agreement

Recovery Right

When You Have a Claim

Submitting a Claim

In-Network

Out-of-Network

Filing Deadline - Proof of Loss

Itemized Bills are Necessary

Foreign Claims

Filling Out the Claim Form

Medicare Claim Submission

Authorization to Pay Provider

Questions About Claims

APPENDIX I — Summary Schedule of Services and Supplies

Your Share of Costs

      Copayments

      Coinsurance

      Maximum Out-of-Pocket

      Deductible/Out-of-Network

      Hospital Admission Deductible

Maximum Plan Benefits

     Mental Health Maximums

     For Non-Biologically-Based Mental Illnesses

Eligible Services and Supplies

Covered Services

APPENDIX II — Utilization Review Appeal Procedure

      First Level Appeal

      Second Level Appeal

      External Appeal

APPENDIX III — Claim Appeal Procedures

APPENDIX IV — SHBP Medical Treatment Policies

Infertility Treatment

      Eligible Services

      Ineligible Services

Lyme Disease Intravenous Antibiotic Therapy

Diagnosis

Early Localized Lyme Disease

Early Disseminated Lyme Disease

Late/Chronic Disease Lyme Arthritis and Late/Chronic Disease Neuroborreliosis

APPENDIX V — Glossary

APPENDIX VI — SHBP Notice of Privacy Practices

State Health Benefits Program Contact Information

State Health Benefits Program Publications

Back to top