B E N E F I T S U P D A T E
In brief: Key changes for 2002
An enhancement has been added to the Dental PPO Access
Plan administered by Horizon Blue Cross Blue Shield of New
Jersey, effective Jan. 1, 2002. Participants will be able to
access an out-of-network benefit for routine services. This
addition will be provided with no increase to the monthly
premium. As a result of these changes, the plan will be
called the Dental Option Plan.
The Prescription Drug Plan, administered by
Merck-Medco, will provide prescription drug coverage for all
faculty and staff participating in the Aetna U.S. Healthcare
HMOs (New Jersey and Pennsylvania). The Aetna U.S.
Healthcare HMO joins the list of other University plans,
including United HealthCare PPO and Oxford Health Plans POS,
that currently are covered by Merck-Medco.
Co-payments for retail and mail-order prescription
drugs will increase slightly, but deductibles will remain
the same as they were in 2001.
The Vision Care Plan is offering significant savings
on laser vision correction (LASIK and PRK) surgery.
Participants may elect or increase supplemental life
insurance up to an amount equal to one times their annual
base salary, rounded up to the next $1,000, without proof of
good health. Additional increases of more than one times
their annual base salary, rounded up to the next $1,000,
will require evidence of insurability.
Enhancements made to dental plan
Beginning Jan. 1, 2002, the University will offer plan
participants access to Horizon Dental's largest network of
participating Traditional Plan providers as well as an
out-of-network benefit for preventive/diagnostic
services. The name of this plan will change from the
Dental PPO Access Plan to the Dental Option Plan.
This enhancement means that
participants will have more dentists from whom they may
receive their covered preventive/diagnostic services than
were in the Dental PPO Access Plan offered for the first
time this year.
The preventive/diagnostic services
include exams, X-rays, amalgam fillings and cleanings. If
provided by a participating traditional in-network provider,
they will be covered at 100 percent. If these services are
provided by an out-of-network dentist, they will be covered
up to Horizon's Traditional Plan limit only, and you will be
responsible for the balance of the charge, which typically
will amount to 15 to 20 percent of the billed charges.
There is no benefit for basic, major and specialty
services when provided by an out-of-network dentist.
Examples of these services include root canal, oral
surgery, periodontics and endodontics. However, if they are
rendered by Horizon's in-network dentists (the dentists in
the original PPO access plan network), then basic, major and
specialty services are covered at a discounted rate.
Additional features of the Horizon
Dental Option Plan include no annual deductible and an
annual maximum benefit of $1,000 per year. A detailed
listing of charges and savings is available through Horizon
Dental. Call 1-800-4DENTAL for information on specialists'
fees. A directory of participating dentists is available at
Horizon Blue Cross Blue Shield's Web site at <http://www.bcbsnj.com>.
Retiree medical plan updated
Effective Jan. 1, 2002, the University will be offering
many of its pre-65 retirees the same health insurance plans
as the active employees. Upon reaching age 65, these
retirees will then participate in the Retiree Healthcare
Plan. Those pre-65 retirees who will attain age 65 prior to
April 1, 2002, will continue to remain in their current
retiree health plan (the Retiree Healthcare Plan).
A special open enrollment for all
retirees is scheduled for Nov. 5-30 for benefits to be
effective Jan. 1, 2002. Please watch for your open
enrollment materials, which will be mailed on or about
Tuesday, Oct. 30. Presentations for pre-65 retirees will
take place during the week of Nov. 12. Exact presentation
dates, locations and times will be provided in the open
The open enrollment period for the University's health,
vision, dental care, life and flexible spending account
plans will run from Oct. 29 through Nov. 14. Open enrollment
offers employees an opportunity to review their current
benefits and consider changes to their coverages that will
be effective for the next calendar year.
Open enrollment gives employees opportunity to evaluate
Open enrollment also is the time
when employees can enroll in the expense account plans
(Health Benefit Expense Account and/or Dependent Care
Expense Account) for 2002. Elections in the expense account
plans do not carry forward from the previous year. Employees
must re-enroll if they want to participate in these plans in
Open enrollment packets, including
a personalized benefits enrollment form, will be mailed to
regular faculty and staff on Oct. 24. Employees should
carefully review the open enrollment guide to obtain more
Plans cover breast reconstruction
The Women's Health and Cancer Rights Act of 1998
guarantees coverage to any health plan member who is
receiving benefits in connection with a mastectomy and who
elects breast reconstruction in connection with that
Patients are entitled to coverage
Reconstruction of the breast on which the mastectomy
has been performed;
Surgery and reconstruction of the other breast to
produce symmetrical appearance; and
Prostheses and treatment of physical complications in
all stages of the mastectomy, including lymphedemas
(swelling associated with the removal of the lymph
These services will be provided in
a manner determined in consultation with the attending
physician and the patient. Coverage for these services is
subject to applicable deductibles, coinsurance or
Contact Karen Weisenberg in the
Office of Human Resources (258-5917) if you have any
questions about this benefit.
Need more information? Check out these sources
There are a number of sources of information that can
assist employees in selecting the health care plan or
coverage that meets their personal and family needs.
Information is available electronically, in print and in
Use the Web. Visit the open enrollment Web site
for descriptions of the different plan features, rates for
2002 and links to the various health care providers, which
include directories of health care professionals and
facilities that participate in the particular health care
Review the open enrollment mailing. Use the
personalized benefits enrollment form to review your current
health care plan coverage, in conjunction with the
information in the open enrollment guide, which provides
comprehensive information on the different plan features as
well as plan rate changes effective Jan. 1, 2002.
Attend the Benefits Fair. The Benefits Fair is
scheduled for 9 a.m. to 3 p.m. Thursday, Nov. 1, in the
Multipurpose Room on Level B of the Frist Campus Center; and
10 a.m. to 2 p.m. Tuesday, Nov. 6, in the Lyman Spitzer
Building at the Princeton Plasma Physics Laboratory.
The fair provides you with the
opportunity to obtain more information about the different
health care plans and to meet with their representatives.
Benefits administrators from the Office of Human Resources
also will be available to answer your questions and assist
you in completing your enrollment forms.
Visit a site. You can visit
one of the following locations at any time to pick up forms
and informational materials: 1 New South; E-Quad (main
lobby); Firestone Library; Frist Campus Center; Helm
Building; Macmillan Building; and the PPPL Office of Human
October 22, 2001
Vol. 91, No. 7
What drives moral
satellite probing radiation 1 million miles from Earth
professor was leading figure in field
Wilson to resign as
Graduate School dean
Nobel winners have
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