School Districts

Public Schools and Boards of Education, including Charter Schools, can make application to join the Schools Health Insurance Fund (SHIF), or the Southern Coastal Fund (in the Counties served by Southern Coastal), both are separate and distinct individual Funds that operate independently as mandated by New Jersey Law. An entities broker may also petition other Funds for application consideration.

The Funds, powered by PERMA, enable public entities to use the power of joint purchasing in health benefits. This provides flexible, affordable, and customizable benefits for employees and their families.

Membership advantages include:

• Greater Transparency for Future Planning (regular reports/early budget planning & rate development)
• Proactive Issues Management (innovative solutions, quick responses, trend watches)
• Seasoned administrative/management teams
• Access to Care (large hospital networks, Medicare Advantage plans, wellness programs)
• Broker Friendly (no need to change)