2027 Annual Enrollment
Virtual Total Wellbeing Fair
Welcome
Welcome to your Total Wellbeing Fair!
At RWJBarnabas Health, we believe that Wellbeing starts with you. Because when you feel cared for, you can provide the best possible experience for the patients and communities we serve. In 2027, you'll have new resources to support a broader range of needs across different stages of life, continued access to valuable benefits and important cost and coverage updates to understand.
IMPORTANT REMINDERS
You must take action to enroll or make changes by November 12, 2026.
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If you are enrolled in benefits in 2026 and take no action for 2027, you will automatically continue enrollment in your current plan(s) – except for Flexible Spending Accounts, which require a fresh election each year.
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If you are not currently enrolled in benefits coverage and do not take action,
you will not have coverage for 2027. -
After annual enrollment ends, you can only change your elections if you experience a Qualifying Life Event.
Note: Employees who are covered by a collective bargaining agreement may have some differences in benefits offered and should check with their local Human Resources team or union leadership for further information.
For Internal Use Only
Total Wellbeing Fair
Main Exhibition Hall
Click on a booth to visit
For Internal Use Only
Total Wellbeing Fair
1:1 Enrollment Support
Total Wellbeing Fair
Medical Benefits
Aetna® is our medical plan vendor.
There are two Aetna® plan options:
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Live in New Jersey? Choose between the Core Plan and the Flex Plan.
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Live outside of New Jersey? Choose between the Out-of-Area (OOA) Plan and the Core Plan.
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Care within the RWJBarnabas Health system is free across all plans!
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The medical plans each include three tiers of coverage: Premier, Extended, and Aetna Network. Your out-of-pocket costs depend on the plan you choose and the provider’s network tier. You can use providers in any tier throughout the year. Note: The Flex Plan and Out-of-Area Plan also include an additional Out-of-Network tier which applies to providers who are not part of the Aetna national network.
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All plans include FREE care (not including Emergency Room copays) in the Premier tier which includes all RWJBarnabas Health providers and facilities.
- Click here to see what's new for 2027.
For Internal Use Only
Total Wellbeing Fair
Telemedicine
RWJBarnabas Health offers RWJBH Virtual Care through MyChart, connecting RWJBH medical plan enrolled members with RWJBH providers for convenient, high-quality care for urgent but non-emergency health concerns. To help ensure timely access, KeyCare providers may be available as a supplemental option during periods of higher demand or when RWJBH Virtual Care services are accessed after 11 p.m. RWJBH Virtual Care for pediatrics will continue to be provided by KeyCare 24/7.
The service is available at no cost to employees enrolled in the RWJBH medical plan and their covered spouses and children.
For Internal Use Only
Benefits Fair
Care Navigation
The Care Navigation team is dedicated to helping you navigate and answer any questions you may have regarding finding the right provider, specialist or service to meet your health care needs.
Here are just a few examples of the many ways the Care Navigation team can help:
- Schedule appointments, labs, and preventative screenings.
- Locate Premier providers, facilities, and services.
Get started by calling the Care Navigation team at 844.424.2628, Monday – Friday from 8 a.m. – 7 p.m. ET.
Total Wellbeing Fair
BHealthy Wellness
BHealthy Wellness is a program that can help you make small, everyday changes for your wellbeing and focus on the areas you want to improve the most. When you participate in the program, you can save up to $500 on your 2027 RWJBH medical plan contributions. Enrolled spouses can earn an additional $100 for a total of $600 in savings. The BHealthy Wellness program invites you to earn up to 45,000 points and save along the way!
For Internal Use Only
Benefits Fair
Retirement Plan
We understand that planning for your future is important, so we make that easier for you by offering a 401(k) plan and providing employer contributions to help you save for what’s next.
Note: Employees who are covered by a collective bargaining agreement should check with their local Human Resources team or union leadership to understand their retirement benefit.
Total Wellbeing Fair
Prescription Drug
When you enroll in one of our medical plans, you are automatically enrolled in prescription drug coverage. We partner with CVS Caremark® for prescription drug benefits.
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You can fill your 30-day medications at any local in-network pharmacy.
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Maintenance (90-day) medications can be filled using any of the following options:
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Visit an RWJBarnabas Health retail pharmacy.
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Utilize CVS Caremark® mail order.
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Fill at a local CVS Pharmacy® near you.
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Specialty medications will be filled through CVS Specialty® or RWJBarnabas Health Infusion and Specialty Pharmacy.
- Click here to see what's new for 2027.
For Internal Use Only
Total Wellbeing Fair
Dental Benefits
Delta Dental™ is our dental plan vendor. As one of the most widely recognized dental plan providers nationwide, Delta Dental™ is known for their strong provider access, member savings and reliable service.
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You have two plans to choose from (Base and Buy-Up), with the same plan designs as last year (copays/deductibles).
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You’ll have access to Delta Dental™ PPO and Premier Networks, the largest in the country with 155,000+ participating dentists at 400,000+ locations.
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More savings when you stay in-network in the Delta Dental™ PPO or Premier Network, because in-network dentists have agreed to pre-set fees, so you won’t get surprise bills for the difference between what they charge and what your plan covers.
- Click here to see what's new for 2027.
For Internal Use Only
Total Wellbeing Fair
Vision Benefits
Vision benefits are so much more than an eye exam. They help you save money, stay healthy and see everything life has to offer. EyeMed remains our vision vendor, and their network includes thousands of independent providers, as well as the nation’s leading optical retailers such as LensCrafters, Pearle Vision and Target.
For Internal Use Only
Total Wellbeing Fair
Health Care Flexible Spending
Account (FSA)
A Health Care Flexible Spending Account (FSA) allows you to set money aside on a pre-tax basis to help you cover the costs of eligible out-of-pocket health care expenses for both you and your eligible dependent(s), such as:
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Health: Copays, deductibles, and co-insurance, etc.
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Rx: Copays, deductibles, and coinsurance, as well as prescriptions that aren’t covered by insurance.
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Dental: Copays, deductibles, co-insurance, and other dental items that fall outside of the calendar year annual maximum.
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Vision: Copays or frame costs.
- Use-it-or-lose-it: You can roll over a maximum of $680 from your 2026 FSA balance into your 2027 FSA per IRS regulations. It is important to estimate your out-of-pocket expenses carefully, so you don’t forfeit funds from your account.
Note: The rollover applies to the Health Care FSA only. You cannot rollover your Dependent Care FSA at the end of the year.
The maximum you can set aside is $3,400.
For Internal Use Only
Total Wellbeing Fair
Dependent Care Flexible Spending Account (FSA)
The Dependent Care Flexible Spending Account (FSA) allows you to put aside money to pay for day care expenses for your child, disabled parent or spouse. For 2027, you may set aside up to $7,500 annually ($3,750 if married and filing taxes separately). Children must be under the age of 13 to qualify for reimbursement.
Note: For dependent health care expenses, use the Health Care FSA, not the Dependent Care FSA.
You cannot rollover your Dependent Care FSA at the end of the year. The rollover clause applies to the Health Care FSA only.
For Internal Use Only
Total Wellbeing Fair
Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) provides free and confidential counseling services, either face-to-face or virtually, for those times when you or your family are faced with difficulties in life. Access your EAP benefit 24 hours a day, 7 days a week by calling 800.300.0628.
For Internal Use Only
Total Wellbeing Fair
Life and AD&D Insurance
Basic Life and Accidental Death and Dismemberment (AD&D) insurance are important parts of your financial security, especially if others depend on you for support. All benefits-eligible employees are automatically enrolled in a Basic Life insurance benefit, provided by MetLife and 100% paid for by RWJBarnabas Health. This benefit provides Basic Life insurance coverage equal to 1.5 times an employee’s salary, up to a maximum of $500,000.
Voluntary Life Insurance
Voluntary spouse and child life insurance is also available through MetLife and is 100% employee-paid. Additional information is available via the employee portal at RWJBHBenefits.com.
New enrollees will be subject to health questions, depending on the amount of coverage elected.
For Internal Use Only
Total Wellbeing Fair
Long-Term Disability
All benefits-eligible employees are automatically enrolled in long-term disability insurance equal to 60% of salary up to a $10,000 monthly maximum. This coverage is provided by MetLife and is 100% paid for by RWJBarnabas Health.
For Internal Use Only
Total Wellbeing Fair
Accident Insurance
Accidents can happen when you least expect them. The costs can add up quickly. You can help cover unexpected costs for qualifying accidental injury expenses.
For Internal Use Only
Total Wellbeing Fair
Critical Illness Insurance
You can protect yourself in the event of severe illness, including receiving a lump sum payment if you are diagnosed with a covered condition.
For Internal Use Only
Total Wellbeing Fair
Hospital Indemnity
MetLife's Hospital Indemnity Insurance can help offset the cost of planned or unplanned hospital stays.
For Internal Use Only
Total Wellbeing Fair
Legal Plan
Our service is tailored to your needs. With network attorneys available in person, by phone, or by email and online tools to do-it-yourself or plan your next move—we make it easy to get legal help. And, you will always have a choice in which attorney to use.
Best of all, you have unlimited access to our attorneys for all legal matters covered under the plan. For a monthly premium conveniently paid through payroll deduction, an expert is on your side as long as you need them.
Whatever you need to protect your family, MetLife Legal Plans is here to make life a little easier. For added peace of mind, your spouse and dependent children are also covered.
For Internal Use Only
Total Wellbeing Fair
Identity and Cyber Security
You can attempt to safeguard your personal data and digital presence from threats including identity theft, cybercrime and fraud.
For Internal Use Only
Total Wellbeing Fair
Pet Insurance
Our pets are a part of the family -- and just like us, they can face unexpected health issues. Veterinary care can be costly, but Pet Insurance helps manage expenses. You can give your furry friends strong care options, while easing the burden of veterinary costs.
Call 877.738.7874 or visit Nationwide.
For Internal Use Only
Total Wellbeing Fair
Student Loan Navigation
Student Loan and Financial Wellness Benefits
RWJBarnabas Health partners with Savi to help benefit-eligible employees navigate the ever-evolving student loan landscape and achieve financial wellness. These benefits are offered by RWJBarnabas Health at no cost to you, including any applicable fees for services provided.
Through Savi, employees will have access to expert advisors, innovative technology, and comprehensive support across the following pathways:
Student Loan Financial Planning
Unified support with personalized clarity. This benefit offers access to personalized support and expert navigation through the complex student loan landscape—from repayment strategies to forgiveness options and everything in between. Continuously updated decision pathways reflect real-time changes in legislation, loan programs, and repayment rules. Employees receive clear, timely guidance tailored to their specific situations—empowering them to make confident, informed decisions, even in periods of uncertainty or change. To learn more click here.
Parental College Planning Pathway
Expert-driven resources designed to help parents navigate the financial challenges of sending their children to college. From understanding financial aid to developing long-term savings strategies, this service equips families with tools and guidance to make confident, informed decisions—whether college is years away or right around the corner. To learn more click here.
For Internal Use Only
Total Wellbeing Fair
Calm App
At RWJBarnabas Health, we know that emotional wellbeing is essential to everyone’s overall health. That’s why we partner with Calm, the No. 1 app for sleep, meditation and relaxation, to provide you with tools that can help you and your family reduce stress and anxiety, sleep better, and live happier, healthier lives. Whether you have 30 seconds or 30 minutes a day, Calm’s resources are designed to seamlessly fit your schedule and needs.
We offer a free subscription to Calm for all benefits-eligible employees. You will also receive up to five additional free subscriptions for friends and family age 16 years old or older.
For Internal Use Only
Total Wellbeing Fair
Employee Discount
PerkSpot is an employee discount portal that offers fun and easy ways to get discounts on thousands of products and services, including big-name brands, as well as national and local merchants. Categories include travel, electronics, restaurants, entertainment, apparel and more. Access the portal from home or on the go.
For Internal Use Only
Total Wellbeing Fair
Purchasing Power
Purchasing Power provides an online catalog for purchasing brand-name goods and services through automatic payroll deductions. Employees can buy a variety of items, including electronics, appliances, and furniture, and pay for them over 6 or 12 months.
Call 866.670.3477 or text HELLO to 39771 to enroll.
For Internal Use Only
Total Wellbeing Fair
Available beginning January 1, 2027
Aetna Back and Joint Care, powered by Hinge Health
Aetna Back and Joint Care, powered by Hinge Health, is new for 2027 and provides virtual-first physical therapy and musculoskeletal support at no cost.
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Access care from a location that is convenient for you.
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Gain support for pain, injury recovery, and ongoing musculoskeletal needs.
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Hinge Health adds a flexible option alongside the physical therapy resources that are available today.
For Internal Use Only
Total Wellbeing Fair
Care.com
RWJBarnabas Health offers employees CareBenefits by Care.com, a leading resource providing support for family care and household needs.
All benefits-eligible employees have access to Care.com’s extensive online network for finding and managing care for children, adults, pets, home and more. Membership for Care.com is 100% paid by RWJBarnabas Health.
For Internal Use Only
Total Wellbeing Fair
Available beginning January 1, 2027
Maven
At RWJBarnabas Health, we want you to have resources to support all chapters of life - from today's needs to tomorrow's goals. That’s why we’re excited to introduce you to Maven. With Maven, you'll have support across a range of life stages and needs, including:
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Fertility and Family Building: Personalized guidance and expert support as you explore fertility and family-building options.
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Maternity and Newborn Care: Support throughout pregnancy, birth and postpartum, including recovery and newborn care.
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Parenting and Pediatrics: Resources and expert guidance to help parents navigate their child’s health and development, including pediatric, sleep and nutrition needs.
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Menopause and Midlife Health: Personalized support for menopause symptoms and broader physical and emotional health needs throughout midlife.
To learn more, click here.
Note: Maven is available to employees and their dependent(s) enrolled in an Aetna medical plan.
For Internal Use Only
Total Wellbeing Fair
RWJBH Local Foundation
RWJBarnabas Health is proud to have Foundations at each of our hospitals that support our mission to build and sustain a healthier New Jersey. The Foundations raise money for critical patient needs, capital improvements, program support and general operating needs.
These teams also manage the Annual Employee Campaign, which demonstrates employees’ pride in our institutions and their compassionate support for each other.
If you would like to know more about ways to assist our mission and patient care programs, please contact the System Foundation Office at RWJBHFoundation@rwjbh.org or 973.322.4334.
For Internal Use Only
