Moorestown Board of Education · Employee Benefits
Rest assured… your benefits are all in one place.
Welcome to the informational page for Moorestown Public Schools employee benefits. Here you will find everything you need to understand and use your benefits: plan summaries, ID card information, forms, contacts, and answers to commonly asked questions relating to employment and benefits. Have a question or run into an issue? Your dedicated benefits team at Insurance Solutions is one click away.
Your Coverage at a Glance
Click on the benefit below for more information, plan summaries, links, and forms.
Medical & Prescription
Aetna & Express Scripts
Open the Summary of Benefits & Coverage (SBC) and Summary Plan Description (SPD) for your plan. Not sure which plan you are on? Contact our benefits team.
Plan Documents (SBC & SPD)
Garden State Plan
Aetna GSP NJ-Only Network. View SBC.
Aetna GSP NJ-Only Network. View Summary Plan Description.
Express Scripts GSP Rx SBC.
NJ Educators Health Plan
Aetna NJEHP. View SBC.
Aetna NJEHP. View Summary Plan Description.
Express Scripts NJEHP Rx SBC.
MEA Plan
Aetna & ESI $15 copay with Rx copay. View SBC.
Aetna & ESI $15 copay with Rx copay. View Summary Plan Description.
MAA & BUS Plan
Aetna & ESI $15 copay with 10% Rx copay. View SBC.
Aetna & ESI $15 copay with 10% Rx copay. View Summary Plan Description.
HDHP $2,500
Aetna & ESI High Deductible. View SBC.
Aetna & ESI High Deductible. View Summary Plan Description.
Express Scripts
Summary Plan Description for all Rx plans.
Portals, Forms & Tools
Aetna Member Portal
Find in-network providers, view claims & EOBs, print ID cards. aetna.com
Express Scripts
Manage prescriptions & home delivery.
express-scripts.com
express-scripts.com
Aetna ID Card Instructions
How to access and print your medical ID card (PDF)
Express Scripts App Guide
Register for online & mobile pharmacy access (PDF)
Aetna Medical Claim Form
Submit out-of-network claims for reimbursement (PDF)
Rx Exclusions List (eff. 7/1/2026)
Excluded medications & preferred alternatives (PDF)
Aetna Precertification
Precertification lists for providers.
aetna.com
aetna.com
CVS Virtual Care
Telemedicine on demand. 1-877-993-4321
cvs.com/virtual-care
cvs.com/virtual-care
CVS Virtual Care Flyer
How to sign up and what is covered (PDF)
Key Phone Numbers
Aetna Member Services: 1-800-370-4526Express Scripts: 1-800-467-2006Express Scripts Home Delivery: 1-800-698-3757Accredo Specialty Pharmacy: 1-800-803-2523CVS Virtual Care: 1-877-993-4321Guardian Nurses: 609-472-3273 or 609-472-1797
Plan Your Costs
Contribution Calculator
See what your contributions are based on whether you are Chapter 44 or Chapter 78 and the plan and tier you elect. For your exact contribution, contact Moorestown HR.
Dental
Delta Dental of New Jersey
Your Delta Dental plan covers preventive, basic, and major services, with orthodontia and an annual Carryover Max benefit. Log in at deltadentalnj.com for your full plan details, network dentists, and claims.
Vision
VSP Vision Care
Your VSP plan covers routine eye exams, eyewear allowances, and medical eye care, with extra savings at in-network providers. Open the plan summary below for exam and eyewear details.
Flexible Spending Accounts
Save on taxes with FlexFacts
Set aside pre-tax dollars for medical, dental, vision, dependent care, and more. Plan year runs 7/1/2026 to 6/30/2027.
Flexible Spending Account
Up to $3,400 annual election for eligible medical, dental & vision expenses.
Dependent Care FSA
Up to $7,500 per household for childcare and eligible dependent care.
Health Savings Account
For HDHP members. 2026 IRS limits: $4,400 individual, $8,750 family, plus $1,000 catch-up if age 55+.
Commuter Transit & Parking
Up to $340/month pre-tax for transit and work-related parking costs.
FlexFacts Enrollment Guide
flexfacts.com · info@flexfacts.com · 1-877-943-2287
Help Center
Common questions, answered
Tap a question for step-by-step guidance. Still stuck? Insurance Solutions is always here to help at benefits@isi-nj.com.
Aetna's provider directory is online 24/7 at aetna.com. Log in and locate participating providers under your plan. If you have trouble, call Aetna Member Services at 1-800-370-4526, or contact your Insurance Solutions team at benefits@isi-nj.com for help.
Only your provider can prove medical necessity. The denial letter from Aetna explains why, which helps your provider work with Aetna. Your provider should call Aetna's Prior Authorization Department at 1-888-632-3862. Approvals may take up to 14 business days but typically get a response within 3.If you are having trouble, contact Insurance Solutions at benefits@isi-nj.com. Insurance Solutions cannot approve or expedite the procedure, but we can check status, confirm the reason for denial, and help your doctor with what is needed for approval.
First, compare your invoice to the Explanation of Benefits (EOB) from Aetna, which shows the member's responsibility.If the invoice and EOB do not match: call Aetna Member Services at 1-800-370-4526 for claims assistance. If unresolved, contact Insurance Solutions at benefits@isi-nj.com.If there is no EOB: confirm the provider has your insurance by calling the billing number on the invoice. If it was submitted, Aetna may still be processing; call 1-800-370-4526 to confirm status. Further issues? Contact Insurance Solutions at benefits@isi-nj.com.
You can pay out of pocket and return to the pharmacy within 10 days for a full refund, minus any applicable copays.Some drugs require prior authorization, which only your prescribing doctor can obtain. Ask your provider to call Express Scripts Prior Authorization at 1-800-753-2851. Authorizations last one year and must be renewed annually if part of ongoing treatment.Also confirm your ID number and date of birth are correct, as small errors are common. Still stuck? Contact Insurance Solutions at benefits@isi-nj.com.
Going out-of-network means you can be balance billed. We always encourage in-network care when possible. Out-of-network, you first meet the out-of-network deductible; then the plan pays a portion (coinsurance) and you pay the rest, up to an annual maximum, after which the plan pays 100% for the remainder of the calendar year. See your plan's SBC for specifics.Aetna processes out-of-network claims based on the allowed amount, which may be less than billed; the difference is non-reimbursable. You typically submit these claims yourself via the Aetna portal at aetna.com with the claim form and itemized bill. Payment is mailed to you. Need the form? See the Aetna Medical Claim Form in the Medical section above.
Try telemedicine. Reach CVS Virtual Care at 1-877-993-4321 or at cvs.com/virtual-care to set up a virtual visit and chat live with a doctor by video from home. CVS Virtual Care is effective 7/1/2025. See the CVS Virtual Care flyer in the Medical section for details.
Guardian Nurses are available to members and covered dependents free of charge at 609-472-3273 or 609-472-1797. They can:
- Visit you at home or in the hospital to assess your care needs
- Be your guide, coach, and advocate for any healthcare issue
- Make appointments and go with you to see doctors
- Identify providers for all care needs and second opinions
- Provide decision support and explain a new diagnosis
Yes. Aetna offers gym discounts through Husk Wellness (formerly GlobalFit) at 800-294-1500 or marketplace.huskwellness.com. Participation is for new gym members only; memberships you already hold may not qualify. You can also log in to the Aetna portal and click Health Programs for more offerings.
Human Resources
Eligibility, life events & leave
The essentials on enrolling, changing, and continuing your coverage. For anything HR-specific, contact the Moorestown BOE HR team listed below.
- New hire waiting period: 60 days following date of hire.
- Benefits terminate at the end of the month of termination.
- Dependent children: eligible for medical & Rx through the end of the calendar year they turn 26; dental & vision through the end of the year they turn 23.
- Coverage changes can be made during annual open enrollment (effective July 1, typically announced in May).
- Life events (marriage, death, birth, adoption, divorce) must be reported within 30 days of the event.
COBRA lets you and your family continue group health benefits after a qualifying event such as job loss, reduced hours, death, or divorce. Qualified individuals may pay up to 102% of the plan cost. COBRA is administered by WEX; contact the Moorestown BOE HR team for details.Dependent to age 31: a young adult may continue or newly enroll on a parent's coverage if they are under 31, unmarried, have no children, live in NJ (or are a full-time student elsewhere), and are not eligible for Medicare or covered under another plan. The dependent must elect the same plan as the member and is billed at home by WEX.Handicapped dependents may qualify to remain on a member's plan past the limiting age with carrier approval. Contact HR for the request process.
FMLA entitles eligible employees to unpaid, job-protected leave with continued group health coverage. Eligible employees may take:
- 12 workweeks in a 12-month period for the birth, adoption, or foster placement of a child; to care for a spouse, child, or parent with a serious health condition; for the employee's own serious health condition; or for a qualifying military exigency.
- 26 workweeks in a single 12-month period for military caregiver leave to care for a covered servicemember.
NJFLI provides cash benefits to NJ employees who cannot work because they need to care for a family member with a physical or mental health condition, bond with a new child, or handle certain matters related to domestic or sexual violence. Benefits are available for up to 12 consecutive weeks in a 12-month period, or up to 8 weeks (56 days) if taken intermittently. If you believe you qualify, contact the Moorestown BOE HR team as soon as possible.
Quick Reference
Important phone numbers
Aetna Member Services
1-800-370-4526
Aetna Precertification (providers)
1-888-632-3862
Express Scripts
1-800-467-2006
ESI Home Delivery
1-800-698-3757
ESI Prior Authorization (providers)
1-800-753-2851
Accredo Specialty Pharmacy
1-800-803-2523
SaveOn SP
1-800-683-1074
CVS Virtual Care
1-877-993-4321
Guardian Nurses
609-472-3273 / 609-472-1797
Delta Dental
1-800-452-9310
VSP Vision Care
1-800-877-7195
FlexFacts
1-877-943-2287
Husk Wellness (gym discounts)
800-294-1500
Your Benefits Team
Have a question? We're one click away.
For benefit questions, claims, prior authorizations, denials, or any other benefit-related issue, reach the Insurance Solutions benefits team. We're here to guide you through it.
Email Our Benefits TeamMoorestown BOE HR Team
Dr. Carolyn Gibson
Interim Director of HR856-778-6600
Rose McMasters
Confidential Administrative Assistant, HR856-778-6600 x18260 · rmcmasters@mtps.com
Maria Lamberto
HR Department Employee Specialist856-778-6600 x18261 · mlamberto@mtps.com
James Heiser
Business Administrator856-778-6600 · jheiser@mtps.com
This page is provided by Insurance Solutions as a benefits resource for Moorestown Board of Education employees. It is a summary for convenience only; plan documents and carrier terms govern actual coverage. For personalized help, contact Insurance Solutions at benefits@isi-nj.com.