Monmouth University offers a Direct Access Point of Service (POS) medical insurance plan through Horizon Blue Cross Blue Shield of New Jersey. Full-time employees are eligible for coverage, as well as their spouse, domestic partner, and dependent children.
Enrollment can occur only when an employee is hired at his/her initial benefit eligibility date, when a qualifying event occurs, or during the annual open enrollment period.
If an employee declines medical coverage due to enrollment in another eligible medical plan, he or she is eligible to enroll in the University's Medical Voluntary Financial Incentive Program.
Employee premium contribution costs vary according to job group type.
The University's medical plan includes a formulary Prescription Plan.
A copy of the Summary Plan Description is available in the Office of Human Resources. Please read our Medical Summary for the medical coverage available.
To be an eligible dependent under Monmouth University's Medical Plan and Voluntary Incentive Plan, the family member must one of the following;
Coverage may continue beyond the limiting age of 26 for a child who immediately prior to reaching that age was enrolled under the Medical Plan and is incapable of self-sustaining employment by reason of developmental disability of physical handicap. Such continued coverage is subject to approval by the medical insurance carrier.
The University provides for certain adults under the age of 31, pursuant to Chapter 375 of the State of New Jersey Law, the chance to continue coverage as a dependent on their parent's group health coverage. The eligible under age 31 dependent will be responsible for the full cost of this coverage, plus a 2% administration charge. Dependents will be directly billed by the current healthcare carrier at a monthly rate which is subject to change at our annual renewal period.
The following conditions must be met for a dependent under the age of 31 to be eligible to make a Chapter 375 election. A dependent must:
A dependent who continues coverage as a Chapter 375 dependent will lose coverage if the dependent marries; or if dependent becomes a parent; or if the dependent is no longer a full-time student and does not reside in New Jersey. Additionally the dependent will lose coverage at the end of the month in which they turn 31 or when obtaining individual or group health coverage. The carrier reserves the right to cancel coverage for non-payment of premiums. If the dependent's parent is no longer covered under Monmouth University's group health benefits, the dependent's coverage will also terminate.
BlueCard@Worldwide - When Traveling Outside of the United States
BlueCard Worldwide provides Blue Cross and Blue Shield members with access to a network of traditional inpatient, outpatient and professional healthcare providers around the world. The program includes a range of medical assistance and claim support services for members traveling or living in countries outside their Home Plan service area. You can find detailed information at www.bcbs.com/coverage/bluecard/bluecard-worldwide.html.
In an effort to provide enhanced customer service, a Horizon representative will be on campus one Tuesday each month from 9 a.m. to 4 p.m. to assist employees with such issues as claim resolution, understanding explanation of benefits, and plan benefit questions. Call the Office of Human Resources to schedule an individual appointment.