Individual and Family Plan Updates

Current Portfolio Changes

• NJ Premium (PPO Plus Premier)

  • New four-tier rate structure
  • CYM increased from $2,000 to $2,500
  • New lower rates for all tiers
  • Enhancements including teeth whitening, composite (white) fillings, veneers, and nightguards

• NJ Clear (PPO Plus Premier, in-network only)

  • Three-band rate structure (no change)
  • Rate increase for 0-25, no change for 26-50, and rate decrease for ages 51+     

• NJ Enhanced (PPO Plus Premier)

  • Closed to new members; renewals only
  • New four-tier rate structure
  • New lower rates for all tiers
  • Enhancements including teeth whitening and composite (white) fillings for existing members

• NJ Classic (PPO Plus Premier)

  • New four-tier rate structure
  • Reduced rates for Family coverage tier (Individual + Spouse + Child(ren))
  • Increased rates for all other tiers
  • Enhancements including teeth whitening and composite (white) fillings

New Plans

• Choice 5000 (PPO Plus Premier)

  • Four-tier rate structure
  • $5,000 CYM

• NJ Progressive (PPO Plus Premier)

  • Four-tier rate structure
  • Benefits increase annually over three years

• NJ Enhanced with Ortho (PPO Plus Premier)

  • Four-tier rate structure
  • Ortho benefit: $1,500 lifetime benefit maximum separate from annual CYM
  • Enhancements including teeth whitening and composite (white) fillings