Common use of INSURANCE PROTECTION Clause in Contracts

INSURANCE PROTECTION. A. The Board shall provide health-care insurance protection and shall pay the full premium for employees and their dependents under the health insurance plan. Effective July 1, 2019, employees shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. a. The Board shall provide health-care insurance protection and shall pay will offer employees the full premium for employees and their dependents under the choice of three different health insurance plan. Effective July 1plans or the equivalent, 2019all of which shall include major medical, employees shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 prescription, and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programsdental coverage. B. b. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall will pay the premium at for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the rate in effect on June 30, 1998chart below. Any increase in the premium above that amount shall Dependents of employees will be deducted from the employee's salary insured in accordance with the provisions terms of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowanceinsurance policy in effect. D. The Board shall provide c. Only employees whose regular assignment is sixty (60%) percent of a vision fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for enrolled employees and dependents. The cost of the premiums shall be covered this coverage being borne by the employee. E. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall provide an Employee Assistance Plan at no cost have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employeeemployee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. F. For each b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who remains in has no other health/hospitalization coverage may not waive the employ health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the Board for waiver will not be allowed. e. An employee who waives coverage may re-enroll at the full school open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the Board shall make employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment of insurance premiums to provide insurance coverage will be prorated for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coveragethat year. G. The Board shall provide to each f. Each potentially eligible employee will receive a description of form from the health-care insurance coverage provided under this article; this shall include administration. It will contain a clear description of conditions final return date and limits waiver of coverage, and will specify the incentive payment which will be received. H. At any timeg. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, insurance carriers may be changed but only by mutual agreement of the Board of Education District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and the BTEAState withholding on such payment.

INSURANCE PROTECTION. A. Provisions under this article shall only apply to unit members who are issued a contract by the Board for the full school contract year of at least twenty (20) hours per week. Section A The Board shall provide health-single health care insurance protection and shall pay the full premium for employees and their dependents under the health insurance plan. Effective July 1, 2019, employees shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependentsas below designed. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee individual unit member who remains in the employ of the Board for the full school year, the . The Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period commencing July first 1 and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage30. G. Section B The Board shall provide to for each employee unit member a description of the health-health care insurance coverage provided under this article; this which shall include a clear description of the conditions and limits of coverage as listed below: 1. Aetna Health, Inc. Quality Point-Of-Service Program New Jersey Patriot X / QPOS Custom Plan 2. Aetna Health, Inc. Quality Point-Of-Service Program New Jersey Patriot V / QPOS Custom Plan 3. Citizen / HMO Flex 4. Any health care coverage plan selected by the Board as long as such plan is at least equal to or better than the coverages provided by the above described plans, including the administration of said plans. The Board shall give reasonable advance notice to the Association prior to implementation. Section C In addition to the single health care insurance protection described above, the Board will pay one hundred percent (100% ) of the dependent insurance. Section D There will be a full Family Prescription Plan at Board expense for the premium and with the following unit member co-pays: $15 (brand), $10 (generic), $5 (mail) for the duration of this contract. The cost of the premium for this will be borne solely by the Board. Section E Retired unit members may elect to continue prescription and dental coverage at group rates - an annual surcharge of one hundred and ten percent (110%). Premiums will be paid to the Board by check three (3) months in advance. Any payments not received within fifteen (15) calendar days of the due date shall be assessed an administrative penalty of fifty dollars ($50). Failure to pay the penalty shall result in cancellation of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Section F The Board of Education agrees that the secretaries of this unit may remain as group members of the Blue Cross and Blue Shield Insurance Plan upon retirement, with the BTEAprovision that the current carrier agrees to this. Further, it is understood that the premium will be paid to the Board by the retiree. Section G The Board will pay full premium for all single and double coverages of any dental plan for the duration of this contract, not including co-pay requirements for the unit member, up to a maximum of one thousand two hundred fifty dollars ($1,250). Any dental coverage premium in excess of double coverage or the maximum amount will be assumed by the unit member through payroll deduction. Section H A unit member, eligible for medical, prescription and dental coverage, may elect to not enroll for such coverage and may participate in an in lieu payment program. The in lieu payment shall be equal to forty percent (40 % ) of the base premium. Base premium shall be determined at the coverage level in which the unit member was enrolled immediately prior to the election to participate in the in lieu payment program or to the lesser coverage if a change was made in the year prior to the participation year. Any unit member not enrolled immediately prior to the election to participate in the in lieu payment program shall be permitted to participate at the coverage level they would have been eligible to select if directly enrolling in the program. Unit members who elect to participate in the in lieu payment program may re-enroll for medical, prescription and/or dental coverage during open enrollment periods. If a unit member wishes to re-enroll in a prescription or dental plan prior to an open enrollment period due to a demonstrated loss of alternate coverage, the unit member shall pay a re-enrollment charge equal to one hundred and ten percent (110 % ) of any pro-rated payment made under the in lieu payment program for the participation year. In lieu payments shall be issued in the first pay period of September. If a unit member participating in the in lieu payment program dies between July 1 and October 30 of the participation year, a pro-rated payment based on the time worked during the participation year shall be made to the estate of the unit member. If a unit member dies during the participation year after in lieu payment is made a payroll withholding shall be made for the pro-rated amount paid but not worked during the participation year. The Board shall adopt, by resolution, A Section 125 plan as provided by the United States Internal Revenue Code of 1986, as amended, which shall conform to all relevant United States and New Jersey regulations.

INSURANCE PROTECTION. A. The Board shall provide the health-care insurance protection designated below. Effective as soon after mutual ratification of the 2000-2003 Agreement, the District will make the Traditional, Horizon PPO and HMO plans available to all unit members on a voluntary basis. The Board shall pay the full premium for each employee as defined by carrier and in cases where appropriate for family-plan insurance coverage subject to the following exceptions/ conditions. A member may enroll in any insurance plan during an open enrollment period. 1. Effective with the mutual ratification of the 2003-2006 Agreement, the PPO plan shall be the threshold Board-paid plan for all newly-hired eligible unit members, as modified by A. 3. below, for the first three years of their employment in the District. Thereafter, these unit members may enroll at Board cost in any available plan option. 2. New hires temporarily replacing people on medical, maternity and/or other leaves shall be given individual employee health coverage in accordance with a waiting period which shall be defined as a period of time which ends on the first day of the calendar month following 30 days of active service after they have reached their sixth month of employment. However, such employees and will be allowed to receive spouse and/or family coverage by contributing for that portion of the premium coverage. 3. All new employees hired after July 1, 1992 will be offered individual health coverage through the end of their dependents under third full year of employment with the health insurance planBoard. Effective September 1, at the beginning of their fourth full year of employment with the Board, employees shall be entitled to receive full family benefits as detailed throughout this ARTICLE. Effective July 1, 20192003, non-tenured employees in this category desiring coverage above the single enrollment level shall be offered a POS program. All contribute 75% of the difference between single insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500enrollment chosen. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years Effective July 1, 2019 through June 302004, 2022 with employees in this category desiring coverage above the following co-pays: $20 for genericsingle enrollment level shall contribute 50% of the difference between single insurance and the enrollment chosen. Effective July 1, $40 for preferred brand2005, $60 for non-preferred brand, C. The Board employees in this category desiring coverage above the single enrollment level shall provide a dental benefit contribute 25% of the difference between single insurance plan for enrolled employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowanceenrollment chosen. D. The Board shall provide a vision plan for enrolled employees and dependents4. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each full time employee as defined by carrier who remains is in the employ of the Board for the full school yearBoard, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period commencing July first September 1 and ending June thirtieth; when necessary, premiums on behalf August 31. 5. Provisions of the employee health care insurance program shall be made retroactively or prospectively detailed in master policies and contracts provided by the health care carrier. The plan benefits shall include oral contraceptives, individual dental maximum per year increased to insure uninterrupted participation $1500, and coverageorthodontic benefits up to $1000 per person (this is a lifetime benefit). G. B. The Board shall provide to each employee a description of prescription co-pay will be: $5.00 for generic and $10.00 for brand name prescriptions. Effective January 1, 2004, the healthprescription co-care insurance coverage provided under this article; this shall include a clear description of conditions pay will be $10 for generic and limits of coverage$15 for brand name prescriptions. H. At any time, insurance carriers may C. 1. Single employee medical deductible shall be changed but only by mutual agreement of the Board of Education and the BTEA$150 per year.

INSURANCE PROTECTION. A. The Board shall provide health-care insurance protection Except as noted in this paragraph and in Paragraph E below, the board shall pay the full premium cost for each full-time employee and those part-time employees working 26 (twenty-six) or more hours on average per week in the bargaining unit and their dependents under the full premium costs for each full-time employee's and part-time employee’s (working 26 or more hours on average per week) dependents, including hospital, medical/surgical insurance and major medical expense insurance. The health insurance planbenefits program shall provide for mandatory second opinion surgery; pre-admission certification/continued stay review. Employees hired after June 24, 1993 shall be provided employee only coverage at board expense for the first three (3) years of service. After three (3) years of service, these employees shall be provided full family coverage at board expense. (Throughout this contract, and for all employees hired after the date of this memorandum of agreement, part-time employees eligible for benefits are those working 26 (twenty-six) or more hours on average per week.) Effective July 1, 20192013, employees the health coverage plan shall be offered modified to include changing from Horizon Blue Cross/Blue Shield of N.J. Health Benefits Plan to a POS programHorizon Blue Cross/Blue Shield of N.J. Direct Access Plan Design 7 (State Health Benefits Plan equivalent). All insurance plans Any future plan changes shall be structured in compliance with substantially equivalent to the Mental Health Parity ActDirect Access Plan Design 7. The co-pay is Under the NJ Direct access Plan Design 7 change the current office visit copay from $10 and the PCP/Specialist to $15. Also convert coinsurance from 100%/80% to 100%/70%. Increase annual DENTAL deductible for single and from $25 to $50 family is $200 and 50 to $500100. Eligible employees shall be entitled Increase calendar year maximum from $1,000 to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs$1,500. B. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each eligible employee who remains in the employ of the Board board for the full school year, and will be returning to the employ of the board for the next year, the Board board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period 12 (twelve) months, commencing July first September 1 and ending June thirtiethAugust 31; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure ensure uninterrupted participation in coverage. Any employee laid off and rehired in September shall be eligible for reimbursement for the COBRA payments made by the employee to maintain insurance coverage. G. 2. Provisions of the health-care insurance program shall be detailed in the master contract between the board and the insurance carrier. The carrier shall provide each covered employee with a statement of available benefits. 3. The board shall make available an FSA option. $500 of employee’s contribution may be carried over into the following year. Effective January 1, 2019, all staff eligible for benefits as defined above will be eligible for family benefits provided that they enroll in the Heal Savings Account (HSA) option. Effective January 1, 2019, all new hires eligible for benefits as defined above will be enrolled in the Health Savings Account (HSA) plan with the option to pay up to the difference to enroll in the BCBS Direct Access PPO Plan. Staff members who were hired prior to January 1, 2019 and elected to enroll in the HSA plan shall have the option to return to the Direct Access Plan defined in this article during the open enrollment periods. The Board shall pay 50% toward the deductible for any employee enrolled in the Health Savings Account (HSA) Plan on January 1 of each year. The Board shall give an additional stipend of the remaining 50% of the deductible by January 15th of each year. B. The board shall continue to provide a full family dental insurance program to full-time employees and part-time employees working 26 or more hours on average per week) in the bargaining unit. Employees hired after June 24, 1993 shall be provided employee only coverage at board expense for the first three (3) years of service. After three (3) years of service, these employees shall be eligible for full family coverage at board expense. C. The board shall provide a prescription drug insurance program to all full-time employees and part-time employees working 26 or more hours on average per week in the bargaining unit. Effective January 1, 2010, the Prescription Plan shall be changed as follows: Mail Order Non-preferred drug $40 $60 Preferred drug $25 $30 Generic $10 $10 D. The insurance carrier shall provide to each employee a description of the health-care insurance coverage provided under this article; this , no later than the beginning of the school year, which shall include a clear description of conditions and limits of coverage as listed. E. Paraprofessionals hired after July 1, 1986 shall not be eligible for health insurance fringe benefits, provided however that any cafeteria worker or aide employed prior to June 30, 1986 who is subject to a reduction in force shall, if rehired, be entitled to the same level of fringe benefits as was provided prior to the RIF. In addition, any aides working 26 (twenty-six) hours or more on average per week shall be eligible for health benefit coverage. H. At any timeF. Any employee shall have the option of surrendering coverage under this article in exchange for a lump sum cash payment of $7,500 (seven- thousand-five-hundred) for family coverage, insurance carriers may $5,600 (fifty-six-hundred) for husband and wife, $4,000 (four-thousand) for parent and child and $2,500 (twenty-five-hundred) for single. Said payment shall be changed but only by mutual agreement made in two installments on January 15th and June 30th of the contract year in which benefits are surrendered. Each employee opting to surrender benefits provided under Article 29 shall notify the Board no later than June 15th preceding the contract in which the employee will receive a stipend in lieu of Education benefits. Employees who accept the lump sum cash payment will be surrendering all benefits under Article 29 (i.e. Medical, Dental, and Prescription). Surrender of benefits for the BTEAfollowing year shall not be considered automatic. Every employee shall be considered as covered unless and until such time as an employee shall affirmatively notify the Board that it is continuing to surrender benefits in return for the aforestated stipend. Effective July 1, 2013, married staff members who both work for the Board are prohibited from each electing to receive health benefits. The employee opting out remains entitled to receive the lump sum cash payment stated herein in exchange for surrendering the health benefits. 1. Any new 10-month employee, who begins at the beginning of the contract year and is employed through June, and elects to waive insurance benefits is entitled to the full buyout amount as per Article 29, Section F of the MEA Contract. 2. Any new 10-month employee hired after the start of the contract year and elects to waive insurance benefits, shall have their buyout amount prorated by 1/12th for each month that they did not work after the start of the contract year. A month worked shall be defined as being on contract and paid for more than ten school days in the month. 3. Any 10-month employee who leaves the district before the end of the contract year, and will not be returning to the district, shall also have their buyout prorated 1/12th for each month that they do not work. (Month worked defined above.) 4. Any employee who does not start or finish the school year due to medical leave will continue to receive the full buyout amount as per Article 29, Section F of the MEA contract, provided that they are using paid sick time and/or are on family leave, when the employee would normally be entitled to benefits. Proration of an insurance buyout would not begin until sick time and family leave has expired. At that point, said employee’s buyout will be prorated 1/12th for each month that they are on leave and not using sick time or family leave, using the same “month worked” calculation as defined above. 5. These agreed upon provisions will take effect for employees hired after July 1, 2017. Employees hired prior to July 1, 2017 will not receive any additional payment should the above provisions apply. Payment for employees hired after July 1, 2017 who are entitled to additional compensation as a result of the above provisions will receive this payment prior to June 30, 2018 at the same time as the Spring 2018 buyout disbursements. Employee health insurance contributions shall be at Tier 4, pursuant to the table and terms set forth in Chapter 78.

INSURANCE PROTECTION. A. The Board shall provide healththe following health benefit coverage (medical, Dental, and prescription) for all eligible employees. 1. All non tenured employees shall receive single benefits only with the option to purchase additional benefits for spouse coverage or family coverage. 2. All single tenured employees shall receive single benefits only. 3. All married tenured employees shall receive husband and wife benefits only. 4. All tenured employees with eligible children shall receive family benefits. In regards to section 1-care insurance protection and 4 the following deductibles shall pay the full premium for employees and their dependents under the apply. 1. The health insurance plan. Effective July 1, 2019, employees premium deductible shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Actbe: $250.00 for individual coverage and $500.00 for family coverage 2. The co-pay is payment for the employee prescription plan shall be $10 10.00 for generic-retail and mail $15.00 for name brand/retail or mail 3. All first dollar benefits are subject to the deductible for single and family is $200 and $500deductible 5. Eligible All employees hired prior to July 1, 2001 shall be entitled to buy up insurance coverage from the POS program to the PPO program paying 50% of the difference in cost hospitalization costs between the programsTraditional Plan and the PPO Plan should the employee opt to enroll in the PPO Plan in place of the Traditional Plan. The employee must notify the District Board Secretary, in writing, by September 1st of the contract year if they are electing this option. Employees may transfer back into the Traditional Plan after the year in the PPO Plan. 6. All employees hired on or after July 1, 2001 shall be enrolled in the PPO Benefit plan provided by the Board with the option to enroll in the Traditional Benefit Plan at the employee’s expense. Should the employee covered in this section choose to participate in the “Section 125 Plan” he or she will be compensated at the rate of the cost of the Traditional Benefit Plan for which they would be eligible for. Items a.1 - a.4 covered in this section also apply to this item. B. The Board shall provide a prescription program for the contract years July SECTION 125 PLAN 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees . Pursuant to and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost Federal Tax Ruling 213 of the premiums shall be covered by Internal Revenue Code, Regulation 1.105 and N.J.S.A. 54A:6-24, the employee. E. The Spring Lake Heights Board shall provide an Employee Assistance Plan at no of Education agrees to herein implement a “Section 125 Plan” benefit protection subject to legal implementation and without any additional cost to the employeeBoard. Said plan will be an addendum to the collective bargaining agreement between the parties. The employee may under this plan, elect a cash option to the district health benefits provided the employee certifies in writing to the Board that the employee is receiving substantially similar benefits from another source. F. For each 2. Employees may elect a cash payment of their respective eligible total health care premium cost (medical, dental, prescription) in lieu of health benefits as follows: 03/04 04/05 05/06 Waiver of employee who remains coverage $2,770 $2,994 $3,168 Waiver of husband/wife coverage $6,050 $6,500 $7,000 Waiver of family coverage $6,800 $7,350 $7,900 The employee must notify the District Board Secretary, in the employ writing, by September 1st of the Board for the full school year, the Board contract year if they are electing this option. Payment shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing take place by July first and ending June thirtieth; when necessary, premiums on behalf 10th of the employee subsequent contract year. All payments authorized pursuant to this subparagraph shall be made retroactively or prospectively subject to insure uninterrupted participation ordinary and coverageregular deductions. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. The Effective July 1, 2020 the Board agrees that for the duration of this agreement it shall provide health-care insurance protection and health benefits comparable to Horizon Direct 20/35. Employees shall pay continue to contribute to their health benefits in accordance with the full premium for employees and their dependents under the health insurance planTier four rates/percentages of P.L. 2011, Chapter 78. Effective July 1, 2019, employees shall be offered a POS program. All insurance plans shall be structured in compliance with 2021 the Mental Health Parity Act. The co-pay is prescription drug benefit plan will have the following copays: $10 Generic/$20 Brand Name/Retail and the deductible for single and family is $200 and $500Mail Order. Eligible employees shall be entitled One copay per 30 day supply applies to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programsall prescription drugs purchased through retail pharmacies. B. The Board shall provide a prescription program for the contract years Effective July 1, 2019 through June 30, 2022 with 2005 the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand,Board will offer Healthcare and Dependent Care reimbursement accounts under a Section 125 program. C. The Board shall agrees to provide a family dental benefit insurance plan for enrolled all employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount bargaining unit. Such program shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The non-deductible UCR Dental Plan V as described by New Jersey Dental Service Plan, Inc. proposal dated January 4,1983. Effective July 1, 2005 orthodontic coverage will provide be added for dependent children under the age of 19. It will be reimbursed at 50% up to a lifetime maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance$ 1,500 per child. D. The Board shall provide a vision plan for enrolled employees continuance of health-care insurance after retirement on the terms detailed in the master policies and dependentscontracts agreed upon by the Board and the Association. The cost of the premiums retiree shall be covered by the employeeresponsible for all premium costs involved. E. The Board shall provide an Employee Assistance Plan at no cost request the carrier to the employee. F. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this Article which shall include a clear description of conditions and limits of coveragecoverage as listed above. F. The Board shall give written notification at the time of hiring all employees new to the District that the responsibility for insurance coverage during the interim period rests with the employee. G. The Board agrees to provide, at no cost to the employee, standard health tests as required of employees to maintain their employment provided said employee avails himself/herself of the program provided by the Board. H The Board shall provide health-care insurance coverage to any employee granted a bona fide sick leave up to a maximum of one (1) year. I. Employees who elect to waive their medical insurance benefits outlined in Article XIV.A. shall be compensated each year two thousand dollars ($2000) for family coverage, one thousand seven hundred fifty dollars ($1750) for husband/wife coverage, and one thousand two hundred fifty dollars ($1250) for parent/child coverage and nine hundred dollars ($900) for single coverage. Prior to making such an election, employees must provide evidence that they and their families, where appropriate, are covered by a medical insurance policy other than the policy provided by the Board of Education. The Board shall provide a guarantee that the employees may re-enroll in the health plan if they lose their alternative health insurance. The Board shall file the proper petition to comply with applicable tax regulations. In the event there is a tax penalty, for the Board's failure to comply, the Board will assume financial responsibility and this provision shall become void. J. As of April 1, 2005, the insurance benefits set forth in sections A., B., C, and H. At any timeare identical to the insurance benefits of other non-certificated employees of the Board. If, during the term of this Agreement, the insurance carriers may be changed but only by mutual agreement benefits described in sections A., B., C, and H. above are modified for other non-certificated employees of the Board of Education this Association and the BTEAemployees it represents will accept the modified insurance coverage without negotiations. Employees who were hired and qualified for insurance benefits prior to April 1, 2005, will continue to be qualified for insurance K. In the event the Board changes insurance carrier(s), it will discuss the change with the association at least sixty days in advance.

INSURANCE PROTECTION. A. The Board shall provide health-care insurance protection and shall pay the full premium for employees and their dependents under the health insurance plan. Effective July 1, 20192011, the Board shall only offer School Employees Health Benefit Plan (SEHBP) medical insurance coverage currently known as Direct 10 to eligible employees. All employees enrolled in Traditional or other plans offered by the Board shall be offered a POS programmoved into the SEHBP. All insurance plans Employees shall be structured in compliance with required to contribute to their health insurance benefits the Mental Health Parity Act. The cogreater of (i) 1.5% of based salary for employee only coverage; 2.0% of base salary for Parent-pay is $10 and the deductible Child or Husband-Wife coverage, or 2.5% for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programsFamily Coverage or (ii) Chapter 78 contributions. B. The Board reserves the right to transfer the health insurance coverage to other companies, but agrees that if this is done the coverage shall provide a prescription program for be equal to or better than that presently existing. The Board and Association agree to re-open negotiations on the contract years July 1, 2019 through June 30, 2022 with issue of health benefits should either party be desirous of modifying the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand,health insurance programs offered employees. C. The Board shall provide will pay premiums for the employee portion of dental insurance coverage, subject to a dental benefit insurance plan for enrolled employees and dependentspremium cap of $475.00 per eligible employee per year. The Board shall pay Costs above the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from cap and costs associated with dependent dental coverage are the employee's salary ’s responsibility. Employees selecting dental insurance coverage, but waiving SEHBP medical insurance coverage or otherwise not eligible for SEHBP medical insurance coverage, are not subject to the health benefit contributions set forth in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity section A above pursuant to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowancelaw. D. The Board Employees who are regularly employed 25 hours per week or longer will be entitled to the coverage provided in sections A and C above. E. No insurance payments shall provide a vision plan be made for enrolled an employee after the effective date of his/her resignation. F. Eligible employees who voluntarily waive the health benefits set forth in Paragraphs A and dependents. The C above will be paid 25% of the premium cost of the premiums shall program in which the employee is eligible, or $5,000, whichever is less, of the amount saved. Payment will be covered made in two installments- December 31 and June 30. Once an employee voluntarily waives insurance coverage, the employee may reenroll upon proof of any of the life events as designated by the employeeDepartment of Insurance. Employees hired after July 1 who elect not to take insurance or employees who are terminated prior to June 30 shall have the payment prorated based on the number of months employed. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. The During the life of this Agreement, the Board shall provide health-care health insurance protection and shall pay the full premium coverage for current eligible cafeteria employees (shown in Appendix A) and their dependents under when applicable subject to the health insurance planrestrictions listed herein: 1. Effective July 1, 2019, Current employees shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees who regularly work twenty (20) hours or more per week shall be entitled to buy up coverage only if they do not have such coverage available to them elsewhere. (Appendix A attached hereto specifies specific employees and their indicated coverages.) If a current employee not working twenty (20) hours per week is scheduled for twenty (20) hours or more per week on a regular basis they shall have full eligibility rights. If a currently eligible employee loses coverage they have elsewhere through no fault of their own, they shall be entitled to replace that coverage in the same manner as other current employees. 2. Employees hired after September 1, 1993, shall be entitled to health insurance coverage from only if they are full time employees working at least 7 1/2 hours per day. Their entitlement shall be for single coverage only, however, they may choose to cover eligible dependents, provided they reimburse the POS program board for the cost differential between single coverage and whatever dependent coverage they select. 3. The spouse of a district employee who is otherwise eligible for any medical and/or prescription insurance coverage under this Article shall not be provided said coverage as long as his/her spouse is covered under a family plan provided by the district. During the year prior to retirement, the PPO program paying spouse may enroll in single coverage if necessary to meet eligibility for the State retirement health plan. 4. Employees must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the district the difference in rates for all time they should have been in a lower cost between the programscategory. B. The 5. If the Board shall provide a prescription program for desires to change its’ insurance provider, the contract years July 1, 2019 through June 30, 2022 with Association agrees that it will accept the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay levels of the premium State Health Benefits Program in effect at the rate in effect on June 30, 1998time of change as meeting the test of equivalent benefit levels. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains in the employ of If the Board for wishes to switch to a provider other than the full school yearState Health Benefits Program, benefit levels must be equal to or greater than those enjoyed at the Board shall make payment time of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coveragechange. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. The During the life of this Agreement, the Board shall provide health-care health insurance protection and shall pay the full premium coverage for current eligible cafeteria employees (shown in Appendix A) and their dependents under when applicable subject to the health restrictions listed herein: 1. Medical and prescription insurance plan. Effective July 1, 2019, employees shall be offered a POS programthe same plans provided for district employees in other bargaining units. 2. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible Current employees who regularly work twenty (20) hours or more per week shall be entitled to buy up coverage only if they do not have such coverage available to them elsewhere. (Appendix A attached hereto specifies specific employees and their indicated coverages.) If a current employee not working twenty (20) hours per week is scheduled for twenty (20) hours or more per week on a regular basis they shall have full eligibility rights. If a currently eligible employee loses coverage they have else where through no fault of their own, they shall be entitled to replace that coverage in the same manner as other current employees. 3. Employees hired after September 1, 1993, shall be entitled to health insurance coverage from only if they are full time employees working at least 7 1/2 hours per day. Their entitlement shall be for single coverage only, however, they may choose to cover eligible dependents, provided they reimburse the POS program board for the cost differential between single coverage and whatever dependent coverage they select. 4. The spouse of a district employee who is otherwise eligible for any medical and/or prescription insurance coverage under this Article shall not be provided said coverage as long as his/her spouse is covered under a family plan provided by the district. During the year prior to retirement, the PPO program paying spouse may enroll in single coverage if necessary to meet eligibility for the State retirement health plan. 5. Employees must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the district the difference in rates for all time they should have been in a lower cost between the programscategory. B. The 6. If the Board shall provide a prescription program for desires to change its’ insurance provider, the contract years July 1, 2019 through June 30, 2022 with Association agrees that it will accept the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay levels of the premium State Health Benefits Program in effect at the rate in effect on June 30, 1998time of change as meeting the test of equivalent benefit levels. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains in the employ of If the Board for wishes to switch to a provider other than the full school yearState Health Benefits Program, benefit levels must be equal to or greater than those enjoyed at the Board shall make payment time of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coveragechange. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. The Board shall provide health-the following health care insurance protection for all certificated employees covered by this Agreement except part-time personnel employed on less than a four-fifths (4/5) basis. All new employees hired after 7/01/01, who are eligible for and shall pay the full premium select health benefits must enroll in a PPO program and will be eligible for employees and their dependents under the Board Paid family health insurance plancoverage as well as family dental coverage. Effective Bargaining unit members hired after July 1, 2019, employees shall be offered a POS program1995 will not receive board paid coverage for prescription. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years Employees hired after July 1, 2019 through June 30, 2022 with 1995 will have the following co-pays: $20 option to purchase prescription benefits not paid for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay by the premium board of education at the rate group rates in effect on June 30, 1998. Any increase in force at the premium above that amount shall be deducted from the employee's salary time in accordance with the provisions and approval of Article XIXthe insurance carrier. The Dental Plan Members of the bargaining group not eligible for prescription health benefits coverage will provide have a maximum allowance $10,000 pool set aside which after June 30th of $2,000 annuallyeach year will be distributed based on a proration of the prescription claims verified thru EOB (explanation of benefits). No employee shall obtain benefits in excess of their unpaid prescriptions. Claims will be submitted to the Business Administrator/Assistant Superintendent with supporting documentation no later than July 30 for the preceding school year. Payments will be made to the aforesaid members no later than September 30. The Board shall make payment of full individual or full family insurance premiums for members hired prior to July 1, 1995 as appropriate to provide insurance coverage for the Association full twelve (12) month period for the following insurance at regular rate: 1. Hospitalization benefits; 2. Surgical benefits; 3. Rider J benefits; 4. Major Medical benefits. B. Employees with an opportunity dependents insured elsewhere vis-à-vis the above benefits shall not be eligible for dependent coverage by the Board unless such coverage is relinquished at the dependent's place of employment. Employees with a spouse in military service are not eligible for the medical benefits rendered above. C. The Board reserves the right to select additional dental plans change the carrier. However, the benefits under a new carrier must be at least equal to which they can buy upthose of the State Health Benefit Program. If a change in carrier is to be made, the proposal will be submitted to the M.R.E. A. Executive Board for examination but not for approval. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowancefinal decision shall be made by the Board. D. The Board shall provide a vision plan for enrolled employees Prescription Drug Program covering employee, spouse and dependents. The cost of the premiums family, such program shall be covered by the employee. E. The Board with a $ 10.00 deductible co-insurance feature for non-generic drugs, and a $5.00 deductible co-insurance feature for generic drugs, and a no-pay feature for mail-in refills. This benefit shall provide an Employee Assistance Plan at no cost apply to the employeesame employees as set forth in Section A., above. F. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.

INSURANCE PROTECTION. A. The Board shall provide the health-care insurance protection designated below. Effective as soon after mutual ratification of the 2000-2003 Agreement, the District will make the Traditional, Horizon PPO and HMO plans available to all unit members on a voluntary basis. The Board shall pay the full premium for employees each employee as defined by carrier and in cases where appropriate for family-plan or for registered domestic partnership insurance coverage subject to the following exceptions/ conditions. A member may enroll in any insurance plan during an open enrollment period. 1. Effective with the mutual ratification of the 2003-2006 Agreement, the PPO plan shall be the threshold Board-paid plan for all newly-hired eligible unit members, as modified by A. 3. below, for the first three years of their dependents under employment in the District, and for all existing unit members who become eligible for health insurance planbenefits based upon an increase in their work hours as modified by A. 3. below, for the first three years of their insurance eligibility. Thereafter, these unit members may enroll at Board cost in any available plan option. 2. New hires temporarily replacing people on medical, maternity and/or other leaves shall be given individual employee health coverage in accordance with a waiting period which shall be defined as a period of time which ends on the first day of the calendar month following 30 days of active service. However, such employees will be allowed to receive spouse, family and/or registered domestic partner coverage by contributing for that portion of the premium coverage. 3. All new employees hired after July 1, 1992, will be offered individual health coverage through the end of their third full year of employment with the Board. Effective September 1, at the beginning of their fourth full year of employment with the Board, employees shall be entitled to receive full family benefits and/or registered domestic partner as detailed throughout this ARTICLE. Effective July 1, 20192006, non-tenured employees in this category desiring coverage above the single enrollment level shall be offered a POS program. All contribute 25% of the difference between single insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500enrollment chosen. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years Effective July 1, 2019 through June 302007, 2022 with employees in this category desiring coverage above the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board single enrollment level shall provide a dental benefit contribute 20% of the difference between single insurance plan for enrolled employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowanceenrollment chosen. D. The Board shall provide a vision plan for enrolled employees and dependents4. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each full time employee as defined by carrier who remains is in the employ of the Board for the full school yearBoard, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period commencing July first September 1 and ending June thirtieth; when necessary, premiums on behalf August 31. 5. Provisions of the employee health care insurance program shall be made retroactively or prospectively detailed in master policies and contracts provided by the health care carrier. The plan benefits shall include oral contraceptives, individual dental maximum per year is $1500, and orthodontic benefits up to insure uninterrupted participation and coverage$1000 per person (this is a lifetime benefit). G. B. The Board shall provide to each employee a description of prescription co-pay will be $10 for generic and $15 for brand name prescriptions. Effective January 1, 2007, the healthprescription co-care insurance coverage provided under this article; this shall include a clear description of conditions pay will be $15 for generic and limits of coverage$20 for brand name prescriptions and $0 for mail order. H. At any time, insurance carriers may C. 1. Single employee medical deductible shall be changed but only by mutual agreement of the Board of Education and the BTEA$150 per year.

INSURANCE PROTECTION. A. The term "full time" herein shall refer to all employees covered by the Agreement who regularly work twenty (20) hours per week or more. 1. For full time employees the Board shall provide health-care health insurance protection coverage for the employee and for their eligible dependents. Such coverage shall pay be provided under the AmeriHealth Plan as of August 1, 2010 or its equivalent. Health insurance coverage shall be for the full premium twelve (12) month period each year. 2. Employees must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the District the difference in rates for employees and their dependents all time they should have been in a lower cost category. 3. If the Board desires to change its insurance provider, the Association agrees that it will accept the benefit levels of the State Health Benefits Program in effect at the time of change as meeting the test of equivalent benefit levels. If the Board wishes to switch to a provider other than the State Health Benefits Program, benefit levels must be equal to or greater than those existing at the time of change. 4. The spouse of a District employee who is otherwise eligible for any medical insurance coverage under this Article shall not be provided said coverage as long as his/her spouse is covered under a family plan provided by the health insurance planDistrict. Effective Any spouse covered as of July 1, 20191995 may continue their coverage as long as they are continuously employed. During the year prior to retirement, employees shall be offered a POS program. All insurance plans shall be structured the spouse may enroll in compliance with single coverage if necessary to meet eligibility for the Mental State Retirement Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programsPlan. B. The Board shall provide will allow employee participation in a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependentsqualified IRS Code Section 125 Plan. The Board will not administer the Plan nor will it have any liability nor responsibility regarding the agent or agents administering the Plan. 1. For all full time employees the Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from contribute $700 for 2010-2011 and then $850.00 per year for years 2011-2013 to the employee's salary Section 125 Plan. Anyone not having established such a Plan shall not be entitled to the amount specified. 2. Anyone employed for less than a full contact year shall have his/her amount $700 for 2010-2011 and then $850.00 per year for years 2011-2013 pro-rated based on actual time employed. 3. Any employee who does not establish their 125 Plan until later in accordance the contract year, shall have the amount $700 for 2010-2011 and then $850.00 per year for years 2011-2013 pro-rated based on the date their Plan was established. C. An employee may waive medical coverage to which he/she is otherwise entitled by filing a written waiver with the provisions Business Administrator at the beginning of Article XIXthe school year or at the beginning of his/her employment. The Dental Plan will provide If an employee waives medical coverage pursuant to this paragraph, he/she shall be entitled to a maximum allowance payment in the amount of $2,000 annually2,500.00 for each contract year. The Board shall provide If the Association with waiver does not apply to an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance entire Contract year, the payment of $3000 annually and/or an orthodontics allowance2,500.00 shall be pro-rated. This money will be paid to the employee as a choice of Section 125 or to be included in the paycheck as provided in paragraph B above, as the employee chooses in writing, and shall be in addition to any other contribution made by the Board of Education to the employee's Section 125 account. D. The Upon retirement from the District employees will be able to maintain family health insurance at Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall rates to be covered paid by the employeeemployee if permitted by the insurance carrier at the time of retirement. E. The Board will administer a dental insurance program for all employees covered by this agreement in accordance with the following terms: 1. The dental plan shall be chosen by the Association. The effective date of the dental insurance plan will be from September 1 to August 31. 2. Insurance will be at the employees' expense through payroll deduction. The total dental insurance expense for the entire year (12 months) will be divided between the 20 pay periods from September 15 to June 30. 3. If the Association changes the insurance carrier in subsequent years of this agreement, the Association shall provide an Employee Assistance Plan at no cost notice of the change to the employeeBusiness Administrator of the school district no later than June 1, immediately preceding the effective date of change. Any employee who desires coverage under the new insurance carrier must execute all enrollment documents not later than the last day of the school year preceding the new commencement date. Any person first employed by the District after the deadlines stated subparagraph shall be required to satisfy the waiting period specified by the insurance carrier chosen by the Association. F. For each employee who remains 4. Employees may elect single or multiple person insurance but cannot change their election at any time other than the enrollment period. 5. The association reserves the right to change the dental insurance carrier if there is a change in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively underwriting information or prospectively to insure uninterrupted participation and coverage. G. district census. The Board shall provide be notified, in writing, not later than June 1 of any change in carrier approved by the Association. The Board shall not be required to each employee a description pay any portion of the health-care cost of dental insurance coverage provided under this article; this shall include a clear description of conditions and limits of coveragefor association employees. H. At any time, insurance carriers may be changed but only 6. The Board and the Association specifically agree that the dental benefit provided by mutual agreement of Jefferson Pilot Financial is superior to the dental benefit presently provided by the Board of Education through AFLAC. The Board and the BTEAAssociation further agree that any dental insurance program selected pursuant to the provisions of this paragraph shall be better than the dental insurance program, which it replaces. 7. In the event that the dental insurance company selected requires a minimum number of employees to enroll in the plan and an insufficient number of employees are interested in enrolling, the plan will be cancelled until such time as another insurance plan can be found or sufficient employees are interested.

INSURANCE PROTECTION. A. The Board shall provide health-care insurance Health Insurance protection and shall pay which includes the full premium for employees and their dependents under the health insurance plan. Effective July 1, 2019, employees shall be offered a POS program. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependentsbenefits indicated below. The Board shall pay the full premium at the rate in effect on June 30cost for each employee and his/her dependents, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowanceif any. D. The Board shall provide a vision plan for enrolled employees and dependents1. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains presently in the employ of the Board who continues for the a full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve twelve-month period period, commencing July 1st for twelve (12) month employees and September 1st for ten (10) month employees. 2. Each new employee will be eligible to become a participant in the Health Insurance Program on the first and ending June thirtieth; when necessary, premiums on behalf of the month following the date the employee completes two (2) months of continuous service with the Board. The dependents' coverage for those who have enrolled their dependents will become effective on the same date. 3. The Health Insurance shall provide coverage equivalent to or better than that currently provided by the district and shall be made retroactively or prospectively detailed in master policies and contracts and shall include, but not be limited to insure uninterrupted participation : a. Payment of semi-private room, board and coveragemiscellaneous costs. G. b. Out-patient benefits. c. Payment for laboratory fees, diagnostic expenses and therapy treatments. d. Payment for maternity costs. e. Payment for surgical costs. f. Major Medical coverage up to $1,000,000. 4. Employees in positions subject to terms and conditions of this contract who work less than 25 hours per week will not be eligible for Health Benefits, Dental Benefits and Prescription Benefits. B. Secretaries or clerks on leaves of absence without pay may continue coverage of employee and dependents by paying to the Board of Education, in advance, the total premium required for such coverage provided no period of such continued coverage exceeds a total of nine (9) months. C. The Board shall provide to each employee secretary or clerk with a description of the health-care insurance coverage Health Insurance Coverage provided under this article; this by no later than the Beginning of each school year. This information shall include a clear description of conditions and limits of coveragecoverage provided. H. At any timeD. Each employee covered by Part B of Medicare shall be reimbursed annually by the Board for the premium cost. E. In the event that the Board changes Health Insurance Carrier, insurance carriers provisions for a direct payment plan for all retirees shall be included. F. Dental Plan, Prescription Plan and Optical Plan - For the term of this agreement, the Board shall contribute an additional $1,090.00 above the 2002-2003 school year amount of $2,825.00 per employee towards the premium cost of the dental, prescription, optical and disability plans. However, no more than $400.00 of the $1,090.00 total may be changed but only by mutual agreement of used in any single contract year toward these premiums. G. Effective anytime during the Board of Education and 2004-2005 school year, the BTEAparties shall re-open negotiations for the existing medical plan.

INSURANCE PROTECTION. A. The Board of Education shall provide health-care and pay for a plan of medical, dental, prescriptions, and vision insurance protection and shall pay the full premium for all employees and their dependents under eligible dependents. Eligibility is defined by the insurance carrier. 1. Any change in provider during the term of this agreement, by the Board of Education, shall maintain equal or greater coverage and no increase of co-pays. The current providers are: SHIF Medical: Aetna and Amerihealth; Prescriptions: Express Scripts; Dental: Delta Dental; Vision: United Healthcare Vision. (a ) The co-pays for the medical and prescription plans are set by the provider but may be negotiable between the Association and the Board of Education. 2. When the employee is covered by a medical/surgical plan and that plan is paid for by other than the Board of Education, the employee may elect to waive their medical benefits. (a) Employees waiving health insurance planbenefits shall be paid a reimbursement of 25% of the cost of health benefits being waived (less employee contribution) or $3000 whichever is less. Effective Employees will be eligible to enroll in health insurance benefits as a result of a life event as defined in the waiver form provided by the District. Such payments will be made semi-annually in December and June for the months the employee is not covered by insurance. Any employee whose initial contract with the Board of Education starts on or after July 1, 2019, employees 2018 shall be offered a POS program. All ineligible for payment for waiving health insurance plans shall be structured in compliance benefits. (b) Employees must file the appropriate waiver form with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programsPersonnel Office. B. The Board shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents3. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the premiums shall be covered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who remains in the employ employment of the Board of Education for the full school year, the Board shall make payment continue payments of the insurance premiums to provide coverage equal to or greater than the most recent insurance coverage for plan elected by the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf employee. All employees will move to the NJEHP (Chapter 44) health insurance plan by end of the employee shall first year of the prior contract, (June 30, 2022). These employees are subject to the contributions required under Chapter 44, unless superseded by State Law or through negotiations between the Board and Association. Payments are to be made retroactively or prospectively to insure assure uninterrupted participation and coverage. G. The Board shall provide . For school year 2021-2022 only, members who choose to each employee remain in a description of the health-care Chapter 78 insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only plan (offered by mutual agreement of the Board of Education) are required to pay contributions under Tier IV of Chapter 78. 4. The Board of Education shall make available descriptive information on all insurance plans covered in this Article. For the 2021-2022 School Year ONLY-employees hired before July 1, 2018, the Base Plan offered for all these existing employees shall be Aetna ACPOS II $15 or AmeriHealth PPO $15 Plan with $100 copay for Emergency Room visits, Prescription: Retail: $5/$15; Mail Order: $10/$30. Employees hired before July 1, 2018 may “buy-up” to any of the Higher Costing Plans offered by the Provider during the 2021-2022 school year only, with the employees being solely responsible for 100% of the difference in premium costs. For the 2022-2023 and 2023-2024 School Years - employees hired before July 1, 2018, the base plan offered for all these existing employees shall be the New Jersey Educators Plan (Aetna ACPOSII or AmeriHealth PPO Plan) with $125 copay for Emergency Room visits, Prescription: Retail $5/$10; Mail Order: $10/$20 Retail/Mail: Mandatory Generics Applies Step Therapy Applies *Non-Preferred Drugs & Specialty: if Generic Drug available, Member pays the Brand Drug copay plus difference between the Brand and the BTEAgeneric. (a.) For the 2021-2022 School Year ONLY-employees hired on or after July 1, 2018 but before June 30, 2020 the Base Plan offered for all these existing employees shall be: Aetna Choice POS II $15/$25 or AmeriHealth PPO $15/$25 with $100 copay for Emergency Room visits, Prescription: Retail: $7/$16/$35 (Generic/Brand/Non-Preferred); Mail Order: $18/$40/$88 (Generic/Brand/Non-Preferred). Employees hired on or after July 1, 2018, but before June 30, 2020, may “buy-up” to any of the Higher Costing Plans offered by the Provider, during the 2021-2022 school year only with the employees being solely responsible for 100% of the difference in premium costs. For the 2022-2023 and 2023-2024 School Years employees hired on or after July 1, 2018, the base plan offered for all these existing employees shall be the New Jersey Educators Plan (Aetna ACPOSII or AmeriHealth PPO Plan) with $125 copay for Emergency Room visits, Prescription: Retail $5/$10; Mail Order: $10/$20 Retail/Mail: Mandatory Generics Applies Step Therapy Applies *Non- Preferred Drugs & Specialty: if Generic Drug is available, Member pays the Brand Drug copay plus difference between the Brand and the generic. (b.) Employees hired on or after July 1, 2020 the Base Plan offered for all of these existing employees shall be the New Jersey Educators Plan (Aetna ACPOSII or AmeriHealth PPO Plan) with $125 copay for Emergency Room visits, Prescription: Retail $5/$10; Mail Order: $10/$20 Retail/Mail: Mandatory Generics Applies Step Therapy Applies *Non- Preferred Drugs & Specialty: if Generic Drug is available, Member pays the Brand Drug copay plus difference between the Brand and the generic. B. The Gloucester Township Board of Education will provide an employee dental program. This dental program will provide the following benefits: 100% of R&C for Basic Preventive/Diagnostic Benefits 85% of R&C for Basic Therapy/Treatment Benefits 50% of R&C for Prosthodontic Benefits 85% of R&C for Periodontics Benefits 50% of R&C for Inlay and Crown Benefits 85% of R&C for Oral Surgery Benefits A Board funded dependent dental plan will provide sixty (60%) percent coverage for dependent dental services. The annual benefit for each qualifying family member is $1250. C. Employees remaining in Chapter 78 health insurance plans in 2021-2022 only shall receive a (non-pensionable) stipend as follows: Single $500, Parent/Child or Employee/Spouse $750, and Family $1000. For the 2022-2023 and 2023-2024 school years, when all members are transitioned to Chapter 44 health insurance plans, payment of these stipends will cease, and stipend language will be removed from the contract. D. For the 2021-2022 School Year ONLY - employees who their base plan as AETNA ACPOSII $20/$20 or AMERIHEALTH PPO $20/$20, with $100 copay for Emergency Room visits; Prescription Retail: $3/$18/$46 (Generic/Brand/Nonpreferred) Mail Order: $5/$36/$92 (Generic/Brand/Nonpreferred) shall receive a stipend as follows: Single $750, Parent/Child or Employee/Spouse $1000, and Family $1500. For the 2022-2023 and 2023- 2024 School Years, when all members are transitioned to Chapter 44 health insurance plans, payment of these stipends will cease, and stipend language will be removed from the contract. E. At the request of either the Association or the Board of Education, both parties will meet to discuss the annual impacts of healthcare costs.

INSURANCE PROTECTION. A. 1. The Board shall provide health-care insurance protection and BOARD shall pay the full premium for employees each employee and their dependents under the his/her family, which shall include health care insurance, dental insurance and a prescription plan. Effective July 1, 20192010 each employee electing coverage, will contribute an amount equal to 1.5% of their pensionable salary toward the cost of the health care coverage. This contribution shall be withheld on a prorated basis monthly. The health care insurance plan to be offered to employees shall be either Direct Access or Point of Service/HMO, except as noted within this Article. If the Board elects to move the plan coverage’s to the State Health Benefits Plan, such coverage’s shall be what is offered to employees. If, after participating in the State Health Benefits Plan, the Board elects to move coverage out of said plan, the coverage’s offered to each employee will revert back to the coverage stipulated in this Contract. If the out-of-pocket costs for employees in the State Health Benefits Plan exceeds what the costs would have been under said Contract, the Board and Union agree to immediately reopen the Contract to negotiate said terms and conditions. 2. Effective July 1st, 1994, existing part time employees (employees who work less than 35 hours per week), excluding substitutes, shall receive Point of Service/HMO health care insurance as offered by the Board, dental insurance and a POS programprescription plan. In the event the employee becomes full-time there shall be no option to upgrade coverage. 3. All employees, excluding substitutes, hired on or after July 1, 1994, will receive Point of Service/HMO health care insurance, dental insurance plans and a prescription plan program. 4. Employees hired on or after June 30, 1998, but prior to May 10, 2007, who work less than 35 hours per week but at least 20 hours per week, will receive employee only Point of Service/HMO health care insurance, dental insurance and a prescription plan. The health insurance coverage of employees who decrease their hours voluntarily will be adjusted based on the hourly requirements in the contract to qualify for such insurance. 5. Effective upon the date of ratification (May 10, 2007), new employees working less than six (6) hours shall not be eligible for insurance benefits. New employees working a minimum of six (6) hours will be eligible for employee only coverage. New employees working seven (7) or more hours will be eligible for employee and dependent coverage. 6. Cafeteria employees hired prior to the ratification of this contract (May 6, 2010) who currently have benefits, regardless of hire date, working less than 30 hours per week will be eligible for employee only Point of Service/HMO health care insurance, dental insurance and a prescription plan. 7. Cafeteria employees hired after the ratification of this contract (May 6, 2010), working more than 30 hours per week, will be eligible for employee only Point of Service/HMO health care insurance, dental insurance and a prescription plan. 8. The prescription plan provided by the Board shall be structured in compliance with the Mental Health Parity Acta co-pay plan. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees payment by an employee shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programszero dollars for generic drugs, fifteen dollars ($15) for name brand drugs and thirty five dollars ($35) for non preferred drugs for retail and mail order prescriptions. B. 9. The dental insurance provided by the Board shall provide a prescription program for will be equal to or better than the contract years July 1, 2019 through dental insurance in effect as of June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay the premium at the rate in effect on June 30, 1998. Any increase in the premium above that amount shall be deducted from the employee's salary in accordance with the provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance2009. D. The Board shall provide a vision plan for enrolled employees and dependents10. The cost of the premiums shall be covered If offered by the employee. E. The Board shall provide an Employee Assistance Plan at no cost Board, eligible employees may request a waiver of insurance protection. If a waiver of insurance protection is granted by the Board, payment in lieu of insurance protection will be made to the employee. F. For each employee who remains in the employ as follows: Health Care Insurance $1,250 Dental Insurance $250 Prescription Plan $500 Waiver of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-health care insurance coverage provided under this article; this shall include will require proof of health care insurance elsewhere. Employees who waive coverage for a clear description partial year will be paid in lieu on a pro- rata basis. Payments of conditions and limits the waived amounts will be made with the final paycheck of coveragethe school year. H. At any time11. Effective upon ratification of this Contract (May 6, insurance carriers may 2010), cafeteria employees will contribute $10,000 to the cost of their 2009-2010 health care coverage which will be changed but only by mutual agreement of divided evenly among the Board of Education and the BTEAemployees participating in coverage during said year. The amount will be withheld as a payroll deduction.

INSURANCE PROTECTION. A. The Board shall provide health-the following health care insurance protection for all certificated employees covered by this Agreement except part-time personnel employed on less than a four-fifths (4/5) basis. All employees participating in employer paid benefits shall contribute towards health benefits. An amount equal to 1.5% of base salary shall be deducted as per PL 2010 Ch 2. Said deduction will be in compliance with IRS section 125 rules and shall pay regulations. All who are eligible for and select health benefits must enroll in a PPO program and will be eligible for Board Paid family health coverage (less the full 1.5% payment towards benefits as in paragraph above) as well as family dental coverage. If an employee wishes to purchase the premium for employees difference between Traditional and their dependents under the health insurance PPO, they may do so through a district section 125 plan. Effective Bargaining unit members hired after July 1, 2019, employees shall be offered a POS program1995 will not receive board paid coverage for prescription. All insurance plans shall be structured in compliance with the Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall be entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. B. The Board shall provide a prescription program for the contract years Employees hired after July 1, 2019 through June 30, 2022 with 1995 will have the following co-pays: $20 option to purchase prescription benefits not paid for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay by the premium board of education at the rate group rates in effect on June 30, 1998. Any increase in force at the premium above that amount shall be deducted from the employee's salary time in accordance with the provisions and approval of Article XIXthe insurance carrier. The Dental Plan Members of the bargaining group not eligible for prescription health benefits coverage will provide have a maximum allowance $15,000 pool set aside which after June 30th of $2,000 annuallyeach year will be distributed based on a proration of the prescription claims verified thru EOB (explanation of benefits). No employee shall obtain benefits in excess of their unpaid prescriptions. Claims will be submitted to the Business Administrator with supporting documentation no later than July 30 for the preceding school year. Payments will be made to the aforesaid members no later than September 30. The Board shall make payment of full individual or full family insurance premiums for members hired prior to July 1, 1995 as appropriate to provide insurance coverage for the Association full twelve (12) month period for the following insurance at regular rate: 1. Hospitalization benefits; 2. Surgical benefits; 3. Rider J benefits; 4. Major Medical benefits. B. Employees with an opportunity dependents insured elsewhere vis-à-vis the above benefits shall not be eligible for dependent coverage by the Board unless such coverage is relinquished at the dependent's place of employment. Employees with a spouse in military service are not eligible for the medical benefits rendered above. C. The Board reserves the right to select additional dental plans change the carrier. However, the benefits under a new carrier must be at least equal to which they can buy upthose of the State Health Benefit Program. If a change in carrier is to be made, the proposal will be submitted to the M.R.E. A. Executive Board for examination but not for approval. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowancefinal decision shall be made by the Board. D. The Board shall provide a vision plan for enrolled employees Prescription Drug Program covering employee, spouse and dependents. The cost of the premiums family, such program shall be covered by the employee. E. The Board with a $ 5 deductible co-insurance for mail order; $10 deductible co-insurance feature for generic drugs; and a $15 deductible for non-generic drugs (brand name). This benefit shall provide an Employee Assistance Plan at no cost apply to the employeesame employees as set forth in Section A., above. F. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee shall be made retroactively or prospectively to insure uninterrupted participation and coverage. G. The Board shall provide to each employee a description of the health-care insurance coverage provided under this article; this shall include a clear description of conditions and limits of coverage. H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and the BTEA.