State Plans

As a State Health Benefit Program (SHBP) member, you’re committed to making New Jersey and its local communities a great place to live, work and raise a family.

You’ve earned —and deserve — the best benefits available. That’s why Aetna® offers health benefits that are every bit as big as your commitment. It’s health care that supports the whole you, and the ones you love.

As you review you Aetna medical plan options, remember all our plans cover the same services and include the same programs and support.

When you think about your out of pocket costs, consider how much you’ll pay each month for coverage, whether you’ll need to meet an annual deductible, and how much of a copay you will pay to see a doctor. Also, think about whether you’re okay staying within a provider network to keep your costs lower or if you want to visit providers outside of your plans network. With all the Aetna plans, you’ll have unrivaled access to quality care whether locally or across the country.

Downloads

State Health Benefits Program (SHBP) State 2024 Plan Overview (PDF)

SHBP State Active Plan Compare (PDF)

SHBP State Retiree Under 65 Plan Compare (PDF)

Liberty Plus Network (PDF)

Table of plan details.
State Active & CWA Unity Members	State All Other Members	State Retirees Under 65
Liberty Plus	Liberty Plus	Liberty Plus
CWA Unity Freedom prior 7/1/2019	Freedom prior 7/1/2019	CWA Unity Freedom prior 7/1/2019
CWA Unity Freedom 2019 after 7/1/2019	Freedom 2019 after 7/1/2019	CWA Unity Freedom 2019 after 7/1/2019
Freedom prior 7/1/2019	Freedom 15	Freedom prior 7/1/2019
Freedom after 7/1/2019	Freedom 1525	Freedom after 7/1/2019
Freedom HDLow	Freedom 2030	Freedom 10
Freedom HDHigh	Freedom 2035	Freedom 15
HMO	Freedom HDLow	Freedom 1525
	Freedom HDHigh	Freedom 2030
	HMO	Freedom HDLow
		Freedom HDHigh
		HMO
		HMO 1525
		HMO 2030

Freedom, CWA Unity, Union Negotiated, and HDHP plans you have access to the Choice POS 11 network. This gives you the care you need, where and how you want it nationwide. Seeing doctors, you trust and feel comfortable with. The difference is the copay or deductible you will have to pay for services and your health insurance premium.

Broadest network
In and out of network coverage
No referrals needed

State and State University/College Freedom Plans

CWA Unity Freedom prior 7/1/2019
CWA Unity Freedom 2019 after 7/1/2019
Freedom Employees prior 7/1/2019
Freedom 2019 after 7/1/2019
Freedom 10
Freedom 15
Freedom 1525
Freedom 2030
Freedom 2035
Freedom HDLow
Freedom HDHigh

SHBP State Active Plan Compare (PDF)
SHBP State Retiree Under 65 Plan Compare (PDF)
Division of Pensions & Benefits Guidebooks

This is a new kind of plan that gives you more ways to save and stay healthy, without compromising quality. When you need care, you have two “tiers” of providers to choose from: Tier 1 providers are part of the Aetna Premier Care Network Plus network (APCN), and Tier 2 providers are part of the nationwide Open Access Aetna Select℠ network. You’ll save money when stay within the Tier 1 network for care. APCN plus multi-tier is a tiered performance network which offers coverage in 24 states including NJ, NY and PA.

No referrals
No out of network coverage

SHBP State Active Plan Compare (PDF)
SHBP State Retiree Under 65 Plan Compare (PDF)
Division of Pensions & Benefits Guidebooks
Liberty Plus Network (PDF)

The HMO plan is ideal for employees who want fixed, predictable costs. It’s an in-network-only plan, which means you’ll need to use providers within the nationwide Aetna Select network to receive coverage.

Select a primary care physician
Referrals are required
No out of network coverage

SHBP State Active Plan Compare (PDF)
SHBP State Retiree Under 65 Plan Compare (PDF)
Division of Pensions & Benefits Guidebooks

We've got your back

We know health care is personal and full of tough questions.

Aetna Concierge is here to help find your answers, call 1-877-StateNJ or 1-877-782-8365, Monday through Friday 8 AM to 6 PM ET.

Aetna Concierge has answers to help you make sense of your health plan. They can help you:

Understand your plan benefits
Select a provider
Explain programs
Navigate the health care experience
Research claims
Find the right resources

At Aetna we’re with you wherever you are on your health care journey.

Find participating doctors, dentists, urgent care facilities, hospitals and more with our custom search tool.

Search to Find a Provider

Member-focused health care that's focused on you

As a State Health Benefit Program (SHBP) member, you’re committed to making New Jersey and its local communities a great place to live, work and raise a family.

State and State University/College Freedom Plans

We've got your back

Find participating doctors, dentists, urgent care facilities, hospitals and more with our custom search tool.