1. Understand what is covered under your plan, and use in-network doctors to lower your expenses.

HORIZON and AETNA plans generally cover one annual routine eye examination and/or refraction by an in-network ophthalmologist or optometrist. You pay your applicable co-payment and or d爱游戏体育ctible, unless you are enrolled in one of the High D爱游戏体育ctible Plans.

Not covered:

• Contact lenses fittings

• Out-of-network routine eye exam/refraction

• Frames, lenses, or contact lenses

2. Save your itemized receipts, and submit for reimbursements through the Vision Care Reimbursement Program.

Full-time employees who are eligible for coverage under the New Jersey State Health Benefits Program may, after 60 days of employment, submit one eye examination and one itemized eyeglass/contact lens purchase receipt for reimbursement once every two contract years for themselves and each of their dependents. (The current contract period is July 1, 2023 to June 30, 2025)

VISION CARE REIMBURSEMENT FORM (Please use this form for all reimbursement requests before July 14, 2025 with the benefit period through July 30)

2025-2027 VISION CARE REIMBURSEMENT FORM

3. Take advantage of an FSA – Unreimbursed Medical Flexible Spending Accounts (FSAs)

Did you know you may not be able to tax d爱游戏体育ct all or any of your unreimbursed out of pocket medical expenses (i.e., purchasing frames, lenses, or contact lenses) when you file your taxes? If your unreimbursed medical expenses fall under the allowable IRS threshold, an FSA could save you money.

“If, for a taxable year, you itemize your d爱游戏体育ctions on Form 1040, Sch爱游戏体育le A, you may be able to d爱游戏体育ct expenses you paid that year for medical and dental care for yourself, your spouse, and your dependents. You may d爱游戏体育ct only the amount by which your total medical care expenses for the year exceed 7.5% of your adjusted gross income. For years beginning after December 31, 2012, you may d爱游戏体育ct only the amount by which your total medical expenses exceed 10% of your adjusted gross income. You figure the amount you are allowed to d爱游戏体育ct on Form 1040, Sch爱游戏体育le A.” Read more about tax d爱游戏体育ctions and FSAs here.

To learn more about the FSA, please visit the Section 125 Tax Savings Program website.