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State of New JerseyState Health Benefits ProgramPlan Year 2021 Rate Setting Recommendation AnalysisDental PlansAugust 24, 2020
Table of ContentsExecutive Summary . 1Trend Analysis . 4Financial Projections . 5Rate Renewal Development and Assumptions . 6Plan Year 2021 Premium Rates . 9ExhibitsExhibit 1 – Recommended Renewal Increases . 10Exhibit 2A – State Active Enrollment Projections. 11Exhibit 2B – Local Active Enrollment Projections . 12Exhibit 2C – Retiree Enrollment Projections . 13Exhibit 2D – April 2020 SHBP Active Enrollment. 14Exhibit 2E – April 2020 SHBP Retiree Enrollment . 15Exhibit 3 – Trend Analysis. 16Exhibit 4 – Dental Financial Projections. 17Exhibit 5A – Plan Year 2021 Employee Monthly Premiums . 18Exhibit 5B – Plan Year 2021 Retiree Monthly Premiums . 19About Aon .20State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020
Executive SummaryThe purpose of this analysis is to review the experience of the Dental Plans offered through the StateHealth Benefits Program (SHBP) to State Employees and Retirees, as well as Employees and Retirees ofparticipating Local Employers, and recommend premium levels to support the Dental Plans for Plan Y ear2021.Benefits Maintained by the SHBPThe SHBP Dental Program currently includes the following options: The self-insured Employee Dental Expense Plan (DEP), administered by Aetna, which covers StateActive Employees and Active Employees of participating Local Employers; The self-insured Retiree Dental Expense Plan (DEP), administered by Aetna, which c overs S t ateRetirees and Retirees of participating Local Employers; The five fully-insured Employee Dental Plan Organizations (DPOs), which cover State ActiveEmployees and Active Employees of participating Local Employers, and The five fully-insured Retiree Dental Plan Organizations (DPOs), which cover State Retirees andRetirees of participating Local Employers.The rate renewal recommendations resulting for Plan Year 2021 are provided in Exhibit 1 and aresummarized in the chart below. Aon’s Plan Year 2021 Dental Renewal Analysis does not include theimpact of any pending or future federal or state legislation.Dental Expense PlanDPO 3.5%(5.0%)Benefit and Network ChangesOther than the offer of DPO enrollment to Retirees for the first time on 1/1/2015, there have been nomaterial plan design changes since Plan Year 2015. The DEP plan will continue t o operat e as a “t ruePPO” with cost sharing differences between in and out-of-network claims. No benefit changes areassumed in Plan Year 2021.The SHBP Dental Plan completed an RFP process to review potential DPO vendors with new c ont rac tseffective 1/1/2015. As a result, Aetna, Cigna, Healthplex, Horizon, and MetLife were selected to providethese benefits for Plan Year 2015 and future years. Aetna, Cigna and MetLife have national DPOnetworks while Horizon and Healthplex are predominantly concentrated in New Jersey, with somecoverage in adjacent counties in New York and Pennsylvania.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20201
Federal MandatesACA 9010: Section 9010 of the ACA imposed a Health Insurer Fee (HIF) on each covered entityengaged in the business of providing health insurance for United States health risks. The HIF has helpedfund the federal subsidies given to lower-income families that may not have coverage. On January 22,2018, Congress passed a spending bill which placed a moratorium on this tax in Plan Year 2019. A s ofDecember 20, 2019, the HIF is in place for Plan Year 2020, however has been repealed beginning wit hPlan Year 2021.Further Consolidated Appropriations Act, 2020: On December 20, 2019, the President signed an omnibusbill that included a repeal of the excise tax on high-cost employer-sponsored health coverage, the medicaldevice excise tax, and the HIF. Although the excise tax has been twice delayed, it was sc heduled t o gointo effect in 2022. The medical device excise tax was scheduled to expire on December 31, 2019. TheHIF had a moratorium placed on it during 2019, went back into effect in 2020, and will be eliminatedpermanently beginning in 2021.COVID-19The SHBP dental plan costs and utilization may be impacted due to the worldwide COVID-19 pandemic.Aon’s current guidance is not to adjust Plan Year 2021 expected costs for COVID-19 because only limiteddata is available; this could change as new information becomes available. Plan Year 2021 estimates arelimited by unknown factors, including: Unforeseen economic and financial impact on employee plan utilization Increased severity of claims as a result of delayed treatment Spillover of delayed non-essential care from 2020 into 2021Certain vendors have agreed to 2020 DPO premium reductions due to COVID-19. This analysis reflec tsAetna’s 50% DPO premium reduction for the month of July 2020, Cigna’s 100% reduction for May 2020,and Horizon’s 25% reduction for April and May 2020. The estimated Plan Year 2020 dental total costprojections do not include any other impacts of COVID-19 due to potential claim deferrals and offsetssince reliable data is not yet available. It is expected that COVID-19’s primary impact on Plan Year 2020total dental costs will be to drive dental costs downward due to the following: Provider and patients postponing “non-essential” dental procedures due to state guidance andsafety concerns Lack of widely available alternative visit options (e.g., teledentistry)The Plan Year 2021 premium recommendations provided in this analysis do not include any addit ionaladjustments for COVID-19.Enrollment ChangesExhibit 2 shows historical enrollment patterns among the SHBP Dental Plan offerings for Plan Years 2018through 2020 and includes Aon’s projection of Plan Year 2021 enrollment.Plan Year 2020 enrollment is equal to enrollment through April 2020 and includes a projection ofenrollment through December 2020, based on April enrollment. This projection assumes that S tat e andEducation Active enrollment will remain flat in Plan Year 2021. Local Government Active enrollment isprojected to increase 1.5% in 2021. State Retiree enrollment is projected to increase 2.0% in P lan Y ear2021, Local Education Retiree enrollment is projected to increase 3.0%, and Local Government Ret ireeenrollment is projected to increase 4.5%. These increases are based on projected changes in themedical enrollment for Plan Year 2021.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20202
The following are the Plan Year 2021 Dental Program’s enrollment projections:ActivesDental Expense PlanDPOsTotal Active DentalRetireesDental Expense PlanDPOsTotal Retiree 81,800108,60011,300119,900Exhibits 2D and 2E show the April 2020 DEP and DPO enrollment for Actives and Retirees, respectively.Member ContributionsState Retirees in the dental plans pay 100% of the projected costs of the program. State ActiveEmployees pay 50% of the projected costs. For Local Employees, actual contributions vary by LocalEmployer. No changes in member contributions are assumed for Plan Year 2021.Additional DisclosuresThe projections in this analysis are measured on an incurred basis and are consistent with theassumptions and methodology disclosed herein. Future projections may differ significantly from thecurrent projections presented in this analysis due to (but not limited to) such factors as the following: Plan experience differing from that anticipated by the economic or demographic assumptions; Changes in actuarial methods or in economic or demographic assumptions; Changes in plan provisions or applicable law.This analysis contains the primary actuarial assumptions and methods used to develop the costprojections but may not include a comprehensive list of these methodologies and assumptions. Aonprovided guidance with respect to these assumptions, and it is our belief that the assumptions repres entreasonable expectations of anticipated plan experience.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20203
Trend AnalysisExhibit 3 presents the trend recommendations for Plan Year 2021 for the Active and Retiree DE P . Thisexhibit compares the actual increase in SHBP DEP average claims with industry benchmarks (bas ed onAon’s Trend Survey) for the same period, separately for Employees and Retirees.SHBP Active DEP claim increases were approximately 4.0% in Plan Year 2018 and 3. 1% in P lan Y ear2019. SHBP Retiree DEP claim increases were approximately 1.8% in Plan Year 2018 and 1.7% in PlanYear 2019. Aon is recommending 3.0% trend to project DEP claims for Actives and Retirees to Plan Year2021, which is based on Aon internal trend guidance and trend recommendations provided by t he DE Pand DPO vendors.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20204
Financial ProjectionsFinancial ResultsActive DEP – For Plan Year 2019, favorable experience for the DEP resulted in a 0.7% premium gain of 0.4M, compared to a projected 0.3M loss in the Plan Year 2020 Renewal Analysis. Preliminaryprojections for Plan Year 2020 show a gain of 1.0% of Total Active DEP cost.A 1.9% increase in premium rates for Plan Year 2021 is projected to result in no projected gain or loss forthe Active Dental Expense Plan (i.e., plan costs equal to projected premiums).Retiree DEP – For Plan Year 2019, favorable experience for DEP resulted in 2.8% premium gain of 2.1M, compared to a projected 0.9M gain in the Plan Year 2020 Renewal Analysis. Preliminaryprojections for Plan Year 2020 show a gain of 1.4% of total Retiree DEP cost. The increase in t he P lanYear 2019 gain and the increase in the Plan Year 2020 gain are due to lower than ex pec t ed Plan Y ear2019 claim costs.A 1.5% increase in premium rates for Plan Year 2021 is projected to result in no projected gain or loss forthe Retiree Dental Expense Plan (i.e., plan costs equal to projected premiums).Active and Retiree DPOs – The DPOs are fully-insured, so the premiums represent a no-los s, no-gainbasis for the State.The table below summarizes the projected gains/(losses) in millions for Plan Years 2019, 2020 and 2021.These results assume that premiums are fully funded each year:Projected Gain / (Loss) in MillionsPY 2019 0.4PY 2020 0.7PY 2021 0.0 2.1 1.1 0.0DPOsN/AN/AN/ATotal 2.5 1.8 0.0Employee Dental ExpenseRetiree Dental ExpenseState of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20205
Rate Renewal Development and AssumptionsExhibit 5 contains the premium tables for the Plan Year 2021 Dental Plan renewal.Dental Expense Plan Rating MethodologyExhibit 4 shows the aggregate costs for Plan Years 2019, 2020 and 2021, separately for Active andRetired participants. Costs were projected separately for dental claims, administrative costs, inves t mentincome and aggregate premiums.Dental Claim Projection1. Using incurred Plan Year 2019 claim data paid through March 2020 supplied by Aetna,completed incurred claims were estimated for Plan Year 2019.2. Aggregate dental claims for each Plan Year were divided by the average subscribers for that PlanYear to get claims per subscriber.3. Claims per subscriber were projected to Plan Years 2020 and 2021 using the projection trendlisted in Exhibit 3.4. Aggregate Plan Year 2021 premiums are the product of the projected Plan Year 2021 enrollmentand the projected Plan Year 2021 premium rates.5. Plan Year 2021 DEP premiums include projected costs for the following administrative expenses: Aetna ASO fees, and Investment income credit.Administrative Cost ProjectionPlan Year 2021 administrative fees for the DEP plan will remain unchanged from Plan Y ear 2020. TheAdministrative Costs shown in Exhibit 4 are the contractual Aetna ASO fees multiplied by t he projec tedenrollment for each year:DEP ASO Fees PEPMPlan Year 2019Plan Year 2020Plan Year 2021State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Actives 1.69 1.74 1.74Retirees 1.69 1.74 1.746
Investment IncomeInvestment Income for Plan Year 2019 reflects actual amounts (as provided by the State) credited t o t heDental Plan. Investment Income for Plan Years 2020 and 2021 assumes no change from Plan Year2019. Investment Income amounts are stated in Exhibit 4.DEP Rate Change Recommendation1. Plan Year 2021 aggregate costs were calculated by summing projected costs for dent al c laimsand administrative charges, reduced by investment income.2. Plan Year 2021 Active aggregate projected costs are 1.9% more than Plan Year 2020 Activepremiums multiplied by Plan Year 2021 projected enrollment. Therefore, Aon is recommending a1.9% premium rate increase for the Active Dental Expense Plan.3. Plan Year 2021 Retiree aggregate projected costs are 1.5% more than Plan Year 2020 Ret ireepremiums multiplied by Plan Year 2021 projected enrollment. Therefore, Aon is recommending a1.5% premium rate increase for the Retiree Dental Expense Plan.DPO PremiumsThe Plan Year 2021 DPO premium increases are provided in the table below and in Exhibit 1.DPO %)Incurred BasisPlan Year 2021 projections are based on expected incurred claims and expenses for Plan Year 2021.MarginDPO Plans: DPO rates have no additional margin since these plans are insured by the vendors.Employee DEP: Active Employees pay half the projected cost of the Dental Plan with no deficit recovery.No margin is included in the renewal rates.Retiree DEP: Retirees pay 100% of the premium with no deficit recovery. No margin is inc luded in t herates.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20207
Enrollment ProjectionsBased on historical enrollment patterns and discussions with the State, the following t able summarizesthe projected enrollment for Plan Year 2021:ActivesState EmployeesLocal EmployeesTotal Active EmployeesRetireesState EmployeesLocal EmployeesTotal Retired Trend RatesTrend recommendations were developed by comparing the SHBP historical dental trend with industryexpectations with adjustments for an anticipated increase in utilization as the ec onomy rec overs . Thetrend recommendation for Plan Year 2021 is 3.0% for Employees and Retirees.Data AssumptionsClaims: Aon received a claim file from Aetna with claims paid through March 2020 and used thisinformation in the renewal analysis.Enrollment: Aon used actual billing counts through April 2020 and projected billing counts throughDecember 2021 for the exposure units in the renewal calculations. It is assumed that the State and Localenrollment in the dental plans is consistent with the enrollment projected for the medical plans.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20208
Plan Year 2021 Premium RatesThe DEP premiums were calculated by applying the percentage changes in Exhibit 1 t o t he P lan Year2020 premium tables. The DPO premiums are those offered by the five DPOs.The Plan Year 2021 DPO premiums reflect “savings” over the DEP which are shown below:AetnaCignaHealthplexHorizonMetLifeDPO Premium /DEP 1%43.4%45.7%32.4%33.2%The Plan Year 2021 DPO premiums range from 21% to 61% of the DEP cost. When A ct ive membersenroll in a DPO, the reduced cost is shared by the employee and the employer, since Actives c ont ribut e50% of the monthly premium. Retirees receive 100% of the cost savings since they contribute 100% ofthe cost of the Retiree dental program for both DEP and DPO.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 20209
Exhibit 1 – Recommended Renewal IncreasesThe following table provides the Plan Year 2021 premium rate increases or decreases:Dental Expense PlanDPO PlansAetnaCignaHealthplexHorizonMetLifeState of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, )(3.2%)0.0%0.0%3.5%(5.0%)10
Exhibit 2A – State Active Enrollment ProjectionsState Active & COBRA Dental Plan 000201720182019DEP20202021DPOObservations:Total State Active Dental Plan Year 2021 enrollment is based on data through April 2020Dental Expense Plan Active enrollment increased from 67.6% of total Dental enrollment in Plan Year 2019 to68.5% in Plan Year 2020. Plan Year 2021 Active Dental Expense Plan enrollment is assumed to be 68.5%.Projected Plan Year 2021 Dental enrollment is 98% of projected Medical enrollment, which is in line with PlanYear 2020.Dental Expense PlanDPOsTotalAnnual Change in EnrollmentActualActualProjected2018 to 2019 2019 to 2020 2020 to e of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Projected EnrollmentPlan Year 202163,00028,90091,90011
Exhibit 2B – Local Active Enrollment ProjectionsLocal Employer Active & COBRA Dental Plan ntal was first offered to Local Active Employees in Plan Year 2005. Initial enrollment was quite low and it hasgrown to 5% of Medical Plan enrollment in 2020.Local Active Dental enrollment is projected to increase slightly in Plan Year 2021.Dental Expense PlanDPOsTotalAnnual Change in EnrollmentActualActualProjected2018 to 2019 2019 to 2020 2020 to 20210.6%3.3%1.0%(2.7%)(0.7%)1.2%0.0%2.6%1.1%State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Projected EnrollmentPlan Year 20214,6001,0005,60012
Exhibit 2C – Retiree Enrollment ProjectionsRetiree vations:The DEP was first offered to Retirees in Plan Year 2005. Initially, the plan was offered to all retirees, but fromPlan Year 2006 onward, it has only been open to new retirees. Starting in 2015, Retirees have access to DPOsas well as the DEP.Plan Year 2021 enrollment is projected to increase 2.8%.Plan Year 2021 Retiree Dental enrollment is projected to be 66% of State Retiree Medical enrollment and 53% ofLocal Employer Retiree Medical enrollment.Projected Plan Year 2021 Retiree EnrollmentDEPState33,800Local Employer74,800Total Dental108,600Dental Expense PlanDPOsTotalDPO4,3007,00011,300Annual Change in EnrollmentActualActualProjected2018 to 2019 2019 to 2020 2020 to 20213.2%3.2%2.8%8.6%10.9%2.9%3.7%3.9%2.8%State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Total38,10081,800119,900Projected EnrollmentPlan Year 2021108,60011,300119,90013
Exhibit 2D – April 2020 SHBP Active EnrollmentSingleDental Expense #39921,996DPO PlansAetna #319Cigna #305Healthplex #307Horizon #317MetLife #320Total DPOsTotal4,9521,7888363,83864312,05734,053Dental Expense #3991,543DPO PlansAetna #319Cigna #305Healthplex #307Horizon #317MetLife #320Total DPOsTotal155356158223761,919State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Number of ContractsMember&SpouseParent /PartnerFamilyChild(ren)STATE ACTIVES & ,7368,7191,22629,03192,174LOCAL EMPLOYER ACTIVES & 14168938712119396439665,57314
Exhibit 2E – April 2020 SHBP Retiree EnrollmentSingleDental Expense #39915,901DPO PlansAetna #319Cigna #305Healthplex #307Horizon #317MetLife #320Total DPOsTotal919245289340541,84717,748Dental Expense #39935,956DPO PlansAetna #319Cigna #305Healthplex #307Horizon #317MetLife #320Total DPOsTotal1,2443001371,0692723,02238,978State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 2020Number of ContractsMember&SpouseParent /PartnerFamilyChild(ren)STATE 309656110236154,123LOCAL EMPLOYER ,9792,7267852912,4086686,87879,51915
Exhibit 3 – Trend AnalysisActual2017 to 2018 actual2018 to 2019 actualProjection TrendAon IndustryDifference between Actual andAon Industry TrendsSHBP EmployeeClaim IncreasesSHBP RetireeClaim IncreasesPPOSHBP EmployeeSHBP 4%)(0.5%)(2.0%)(1.8%)(0.5%)State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 202016
Exhibit 4 – Dental Financial ProjectionsActivesPlan Year 2019Average Dental SubscribersDEP65,086Incurred ClaimsAdministrative FeesInvestment IncomeTotal Cost 58,320,0001,320,000(20,000)59,620,000Premium 60,054,000Gain (Loss)Plan Year 2020Average Dental Subscribers 434,000Incurred ClaimsAdministrative FeesInvestment IncomeTotal Cost 62,355,0001,411,000(20,000)63,746,000Premium* 64,411,000Gain (Loss)Plan Year 2021Average Dental Subscribers 665,000Incurred ClaimsAdministrative FeesInvestment IncomeTotal Cost 64,270,0001,412,000(20,000)65,662,000Premium 65,662,000Gain (Loss) - 67,553 67,601 /A12,941,000 /A12,190,000 /A12,705,000N/A 78,367,000N/ADEP102,351 71,798,0002,076,000(270,000)73,604,000 75,742,000 2,138,000 105,641 76,300,0002,206,000(270,000)78,236,000 79,353,000 1,117,000 108,637 80,830,0002,268,000(270,000)82,828,000 82,828,000 - ,914,000 N/A4,110,000 N/A4,385,000N/A 87,213,000N/ADEP167,437 130,118,0003,396,000(290,000)133,224,000 135,796,000 2,572,000 173,194 138,655,0003,617,000(290,000)141,982,000 143,764,000 1,782,000 176,238 145,100,0003,680,000(290,000)148,490,000 148,490,000 - 5,000 AN/A16,300,000 AN/A17,090,000N/A 165,580,000N/A*Aetna 2020 DPO Rates reflect a 50% premium holiday for the month of July due to COVID-19. Cigna 2020 DPO Rates reflect a 100% premium holiday for the month of May due toCOVID-19. Horizon 2020 DPO Rates reflect a 25% premium holiday for the months of April and May due to COVID-19.State of NJ Denal PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 202017
Exhibit 5A – Plan Year 2021 Employee Monthly PremiumsDENTAL PROVIDER ORGANIZATIONS (DPOs)PremiumsEmployeeContributions*CIGNA (DPO #305)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILD 23.02 40.03 65.45 48.52 11.51 20.02 32.73 24.26 8.78 15.27 24.95 18.49 4.39 7.64 12.48 9.25 18.47 32.12 52.51 38.91 9.24 16.06 26.26 19.46 21.03 36.60 59.87 44.36 10.52 18.30 29.94 22.18 13.79 23.38 37.73 28.15 6.90 11.69 18.87 14.08 42.52 73.90 120.88 89.55 21.26 36.95 60.44 44.77HEALTHPLEX (DPO #307)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDHORIZON DENTAL CHOICE (DPO #317)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDAETNA (DPO #319)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDMETLIFE (DPO #320)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDEMPLOYEE DENTAL EXPENSE PLAN - #399SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILD* Based on 50% of each DPO's premium rateState of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 202018
Exhibit 5B – Plan Year 2021 Retiree Monthly PremiumsDENTAL PROVIDER ORGANIZATIONS (DPOs)PremiumsRetireeContributionsCIGNA (DPO #305)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILD 25.23 48.15 86.43 76.68 25.23 48.15 86.43 76.68 8.78 15.27 24.95 18.49 8.78 15.27 24.95 18.49 19.03 33.07 54.11 40.07 19.03 33.07 54.11 40.07 21.90 38.12 62.36 46.21 21.90 38.12 62.36 46.21 13.79 23.38 37.73 28.15 13.79 23.38 37.73 28.15 41.60 82.05 106.94 61.85 41.60 82.05 106.94 61.85HEALTHPLEX (DPO #307)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDHORIZON DENTAL CHOICE (DPO #317)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDAETNA (DPO #319)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDMETLIFE (DPO #320)SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDRETIREE DENTAL EXPENSE PLAN - #398SINGLEMember & Spouse/PartnerFAMILYPARENT & CHILDState of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 202019
About AonAon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk,retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients byusing proprietary data and analytics to deliver insights that reduce volatility and improve performanceCopyright 2020 Aon plc.State of NJ Dental PlansPlan Year 2021 Rate Setting RecommendationsAugust 24, 202020
The purpose of this analysis is to review the experience of the Dental Plans offered through the State Health Benefits Program (SHBP) to State Employees and Retirees, as well as Employees and Retirees of participating Local Employers, and recommend premium levels to support the Dental Plans for Plan Year 2021.
