Transcript 2013-oe-presentation.+ - Nova Southeastern University

New Employee Benefit Orientation
Plan Year
April 1, 2013 - March 31, 2014
Meeting Overview

Introduction to ICUBA

Eligibility

Online Enrollment

Wellness/Preventative Benefits

Employee Assistance Program

Medical Insurance

Pharmacy Benefits

Flexible Spending Accounts and


Dental and Vision Plans

Life Insurance

Optional Life Insurance

Short Term Disability

Long Term Disability

Emergency Travel Benefit

Identity Theft Protection
Health Reimbursement Accounts

Retirement Plans
ICUBA Benefits Card TM

Voluntary benefits and Legal Plan
ICUBA Schools
3
Eligibility
 Employees working at least 19.2 hours per week are eligible for
retirement supplemental plan, and to elect dental and vision
coverage
 Employees working 28 hours or more per week are eligible for
*retirement match, and to elect medical, dental, Vision coverage,
and can establish a flexible spending account
 Premiums are charged from your date of hire or date of eligibility
 If you do not enroll during this period you may enroll during the next
annual enrollment or if you experience a qualifying status change
 You have thirty days (30) from your date of hire or date of eligibility
to make your benefit elections
*Employee must be classified as full-time to be eligible for the retirement matching plan
How to Enroll
To enroll, login to the benefits enrollment portal at
http://icubabenefits.org
 The enrollment portal is available 24 hours a day
 First time user instructions can be found in the
“Benefits Information” box on the Benefits web page
 If you need assistance, please contact the Office of
Human Resources by email at [email protected] or by
calling 954-262-HR4U
 HR Representatives are available Monday – Friday,
8:30am to 5:00pm
NSU / ICUBA HEALTH AND
WELLNESS BENEFITS
NSU / ICUBA Health and Wellness Benefits
Member Cards
Florida Blue Medical Insurance
Advantica Eyecare Plan
Catamaran Prescription
Drug Plan
Humana Dental Plan
ICUBA Cares MasterCard™
*Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNet
The toll free phone number and website can be found on back of Florida Blue ID card.
NSU WELLNESS SERVICES
• The NSU Pharmacy provides free health screenings monthly call
954-262-4550 or log in to http://pharmacy.nova.edu/home.html
• NSU Employee Sick Call Clinic open every morning from 8:15 am
until 11:00 am, walk in or call 954-262-2181, health plan billed for
services
• NSU Center for Psychological Studies Guided Self Change
Programs can help you Lose Weight, Stop Smoking, Stop Gambling,
and Stop Procrastinating! Call 954-262-5969, fees based on a
sliding scale
• AHEC offers a free 6 week Quit Smoking Program call 954-2625860
NSU’S WELLNESS MADE SIMPLE
Makes Keeping Healthy Simple!!
 Provides comprehensive primary health care to employees
and family members insured by ICUBA, who are 18 years of
age and older
 Promotes preventive medicine, identifies patient health
risks, provides treatment and strives to prevent a more
serious condition in patients with health risks
 Receive FULL WELLNESS BENEFITS at NSU by
completing a physical examination, including blood work
(covered by your ICUBA insurance)
 No copayments or coinsurance
Register & make an appointment - Call the NSU Health Care Centers at 954-262-VIPS (8477)
ICUBA Cares™
 The ICUBA Cares™ programs are offered by
ICUBA plans with our provider partners
 The programs promote early treatment with the
goal to prevent disease and incidences of critical
care
 These plans can also save you and the plan
money - that helps keep premium costs lower for
everyone
Saving Tips – Use Your Plan Wisely
Free In-Network Wellness Benefits
•
Aspirin for adults with a physician prescription
•
Better You From BlueTM Health Fairs with $50 incentive for
participation, and Healthy Additions $25 incentive for each
pregnant member
•
Use 90 day mail order for maintenance prescription refills
•
Prescribed diabetic supplies including meters, lancing devices,
lancets, control solution, syringes, test strips and needles - ALL
BRANDS
•
Employee Assistance Program (EAP) available to all employees
and members of their household
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Saving Tips – Use Your Plan Wisely
Free In-Network Wellness Benefits
•
•
•
•
•
•
•
•
Annual Physical & Gynecological Exam
Lab Tests (Quest Diagnostic)
Pap Tests
Immunizations
Mammograms
Bone Mineral Density Tests
Allergy Injections
Urinalysis
•
•
•
•
Colonoscopies & Sigmoidoscopies
Colorectal Screenings
Prostate Cancer Screenings
Abdominal Aortic Aneurysm
Screening – age 60+
• Electrocardiograms &
Echocardiograms
• All covered at 100%
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BlueCross BlueShield
Health Dialog®
 HEALTH DIALOG® supports
members and their covered
dependents by providing
information to help members
better understand their medical
condition and their treatment
options
 Health coaches are available 24
hours a day, 7 days a week to
provide you and your family
with medical information. You
can speak with the same coach
each time you call
BlueCross BlueShield
Care Coordination
Use BCBS Nurse Case Managers
to coordinate services when you
need:
 To receive intravenous
medications or wound care at
home
 To find nursing services
 To coordinate complicated
medical treatment plans
 To plan your surgical
discharge and follow up
treatment
Monday - Thursday 8AM – 6PM
Fridays 9AM – 6PM
877-789-2583
TTY 877-900-4304
BLUE CROSS BLUE SHIELD - BLUE365 ®
Discount Program
BCBS national member discount
program delivering health and
wellness tools, services,
information and discounts to help
members make healthy changes.
 fitness clubs
 exercise equipment
 nutrition and weight management
programs
 massages
 vitamins
Access Blue365®
1)
Visit www.bcbsfl.com
• Log onto MyBlueService
• Discounts & Rewards
• Discounts
2)
Visit www.blue-365.com
3)
Offers change frequently
COMMONLY USED TERMS
(1)
 Certificate of Creditable (Prior) Coverage: document detailing the period of
prior coverage for a new employee. It is used for the purpose of determining
creditable coverage under HIPAA regulations. If there is a break of 63 days or
more since prior coverage, Pre-existing limitation will apply to participants
over19 years of age
 Preauthorization: An authorization that must be obtained from carrier prior to
inpatient medical procedures only. (This is not the same as referral – PPO’s do
not require referral)
 Contracted Rate or Allowed Amount: The discounted rate that an in-network
provider has agreed to accept for services rendered. The contracted rate is
subject to deductibles and coinsurance whenever applicable
 Member Health Statement (MHS): Comprehensive monthly statement of
claim activity in last 28 days, explanation of benefits (EOB) paid sent by
insurance companies to enrollees. MHS provides necessary information about
claim payment information and patient responsibility amounts, deductible and
out-of-pocket accumulation, and tips to live healthier
Member Health Statement
16
Saving Tips – Use Your Plan Wisely
Pay Only the Contracted Amount of Your Out-of-Pocket Expenses!
• Recently, hospital systems have been purchasing office practices
and billing insurance for outpatient hospital visits instead of an
office visit
• If billed for a “facility fee” for an office visit OR billed for an annual
physical/annual gynecological exam, please advocate on your
behalf and contact Florida Blue™ Customer Service at 1-800-6645295 and have the claims properly adjusted
• For wellness visits, make sure you have a discussion with your
doctor/office staff to have the visit filed as a wellness claim
• Review Member Health Statements available to you at
www.floridablue.com, and pay your provider based on the
information indicated on the statement
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COMMONLY USED TERMS
(2)

Co-pay: A flat fee charged to an insured employee as specified by the plan. A
Co-pay accumulates towards the out-of-pocket maximum, but not the deductible

Co-insurance: The employee portion of the health expense for services such as,
but not limited to, facility/hospital charges, laboratory charges, physician services
(surgery, anesthesia, radiology, pathology, etc.). Co-insurance DOES accumulate
toward out-of-pocket maximum

Deductible: A dollar amount that must be paid by the insured for health or dental
services before a claim becomes payable by the carrier. The deductible DOES
accumulate toward out-of-pocket maximum

Plan Year Out-of-Pocket Maximum: The maximum amount of deductible and
coinsurance during any Plan Year that you pay before the Plan begins to pay
100% of Covered Expenses for the balance of the Plan Year

Centers of Excellence: Preferred places of care with the best outcomes, finest
operational standings and best patient care
MEDICAL PLANS
SIMILARITIES
DIFFERENCES
Plan Rules
Premiums
Prescription Drug Benefits
HRA Contributions
Behavioral Health Benefits
Deductibles
Free ICUBA CARES™ Programs
Co-Insurance
24/7 Health Information
Co-payments
ER & Urgent Care
Annual Out-of-Pocket Maximums
Florida Blue Network Name
PLAN NAME
NETWORK NAME
PPO 70 Blue Options
Blue Options (Network Blue)
PPO Risk/Reward Blue Options
Blue Options (Network Blue)
MAKING A CHOICE
Plan Comparison
PLAN FEATURE
PPO 70 BLUE OPTIONS
PPO RISK/REWARD BLUE OPTIONS
NETWORK
NON-NETWORK
NETWORK
NON-NETWORK
$1,000/$2,500
$1,500/$4,000
$2,000/$4,000
$3,500/$9,750
30% after deductible
50% after deductible
20% after deductible
40% after deductible
$3,000/$6,000
$6,000/$12,000
$3,500/$7,000
$7,000/$14,000
Physicians Office Visit (Includes
General Practice, Internal
Medicine, Family Practice,
Pediatrician, OB/GYN and
Behavioral Health)
$20 Copay;
no deductible
50% after deductible
20%
no deductible
40%
after deductible
Specialist Office Visit (Includes
Chiropractors and Therapists)
$30 Copay;
no deductible
50% after deductible
20%
no deductible
40%
after deductible
$0
Not Covered
$0
Not Covered
$100 Copay and 30% after
deductible
50%
after deductible
20%
after deductible
40%
after deductible
$30 Copay;
no deductible
$30 Copay;
no deductible
20%
no deductible
20%
no deductible
Emergency Room Services
$100 Copay
(waived if admitted) no
deductible
$100 Copay
(waived if admitted)
no deductible
$100 Copay
(waived if admitted)
no deductible
$100 Copay
(waived if admitted)
no deductible
Hospital Inpatient
$250 Copay and 30% after
deductible
$500 Copay and 50% after
deductible
20%
after deductible
40%
after deductible
Deductible
Individual/Family
Coinsurance
Out-of-Pocket Maximum
(Includes all medical copays,
deductibles, and coinsurance)
Wellness Exam
Outpatient Diagnostic Imaging
Urgent Care
MAKING A CHOICE
Employee Premiums
Coverage Tier
Total
Monthly
Premium
NSU Contribution
Monthly
Premium
Monthly
HRA
Employee Contribution
Monthly
Premium
Bi-weekly
Premium
PPO 70 Blue Options
Employee
$
626.00
$
400.00
$
25.00
$
226.00
$
113.00
Employee & Spouse
$ 1,252.00
$
425.00
$
50.00
$
827.00
$
413.50
Employee & Child(ren)
$ 1,128.00
$
480.00
$
50.00
$
648.00
$
324.00
Employee & Family
$ 1,754.00
$
630.00
$
50.00
$
1,124.00
$
562.00
Dual Enroll (Husband & Wife
Employed by NSU) Family
$ 1,754.00
$
880.00
$
75.00
$
874.00
$
437.00
PPO Risk & Rewards Blue Options
Employee
$
488.00
$
410.00
$
50.00
$
78.00
$
39.00
Employee & Spouse
$
975.00
$
475.00
$
100.00
$
500.00
$
250.00
Employee & Child(ren)
$
878.00
$
530.00
$
100.00
$
348.00
$
174.00
Employee & Family
$ 1,365.00
$
680.00
$
100.00
$
685.00
$
342.50
Dual Enroll (Husband & Wife
Employed by NSU) Family
$ 1,365.00
$
940.00
$
150.00
$
425.00
$
212.50
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MAKING A CHOICE
Calculate Your Maximum Financial Risk
Annual Premium
+ Out of Pocket Maximum
+ Co-pays (you estimate
these)
- HRA Contributions
= Total Financial Risk
Select carefully, if your election is too costly it is not be
possible to change election during the new Plan Year.
Making a Choice
Estimating Your Financial Risk
ANNUAL
PREMIUM
OUT OF POCKET
MAXIMUM (OOP)
MEDICAL
OUT OF POCKET
MAXIMUM
PHARMACY
PREMIUM +
OOP
NSU HRA
CONTRIBUTION
ESTIMATED
IN-NETWORK
FINANCIAL
RISK
PPO 70 Blue Options
$2,712.00
$3,000.00
$2,000.00
$7,712.00
$300.00
$7,412.00
PPO Risk Reward Blue
Options
$ 936.00
$3,500.00
$2,000.00
$6,436.00
$600.00
$5,836.00
PPO 70 Blue Options
$9,924.00
$6,000.00
$4,000.00
$19,924.00
$ 600.00
$19,324.00
PPO Risk Reward Blue
Options
$6,000.00
$7,000.00
$4,000.00
$17,000.00
$1,200.00
$15,800.00
PPO 70 Blue Options
$7,776.00
$6,000.00
$4,000.00
$17,776.00
$ 600.00
$17,176.00
PPO Risk Reward Blue
Options
$4,176.00
$7,000.00
$4,000.00
$15,176.00
$1,200.00
$13,976.00
PPO 70 Blue Options
$13,488.00
$6,000.00
$4,000.00
$23,488.00
$ 600.00
$22,888.00
PPO Risk Reward Blue
Options
$8,220.00
$7,000.00
$4,000.00
$19,220.00
$1,200.00
$18,020.00
Coverage/Tier
EMPLOYEE ONLY
EMPLOYEE & SPOUSE
EMPLOYEE & CHILD(REN)
EMPLOYEE & FAMILY
23
MAKING A CHOICE
Personalized Cost Estimator
http://icubabenefits.org
(1)
Personalized Cost Estimator
Fill in Estimated Usage Numbers
(2)
Personalized Cost Estimator
(3)
See Total Estimated Annual Costs All Plans
This value estimates what your annual cost would be based on the values you entered on the table. This total is ONLY an
estimate used to help you in the decision-making process. These costs are not guaranteed and are only based on the
assumptions you provided.
Did you know?
$20.2 Million Annual NSU Contribution
Tier
Annual Amount Paid by
NSU
Premium HRA
Total Annual
Contribution
PPO 70 Employee
PPO 70 Employee /
Spouse
PPO 70 Employee /
Child(ren)
PPO 70 Family
$4,800.00
$300.00
$5,100.00
$5,100.00
$600.00
$5,700.00
$5,760.00
$600.00
$6,360.00
$7,560.00
$600.00
$8,160.00
PPO R&R Employee
PPO R&R Employee /
Spouse
PPO R&R Employee /
Child(ren)
$4,920.00
$600.00
$5,520.00
$5,700.00
$1,200.00
$6,900.00
$6,360.00
$1,200.00
$7,560.00
PPO R&R Family
$8,160.00
$1,200.00
$9,360.00
 NSU will contribute
approximately 20.2
million dollars to
employee healthcare
coverage costs in the
2013-2014 plan year!
 Annual premium for
2013-2014 plan year:
$17,882,280.00
 Annual HRA for
2013-2014 plan year:
$2,346,568.00
 Total NSU
Contributions 20132014 plan year:
$20,228,848.00
27
MHNet
MENTAL HEALTH BENEFITS
EMPLOYEE ASSISTANCE PROGRAM
MHNet
Mental Health Benefit & EAP Provider
EAP AVAILABLE TO ALL EMPLOYEES AND MEMBERS OF THEIR HOUSEHOLD AT NO COST
MEDICAL PLAN ENROLLMENT IS NOT REQUIRED
 Up to six counseling sessions per issue - per plan year
 Inpatient services must be pre-authorized by MHNet
 Client Connect® provider matching service for assistance in locating an appropriate provider
 Visit the MHNet website and access helpful resources:
 Informative articles
 Interactive health and wellness
instruments
 Health assessments and videos
 On-line seminars
 Financial
 Family
 Personal
 Mental health information
 Discounts
Visit www.mhneteap.com or call 1-877-398-5816
Online Services Login - Username: ICUBA, Password: 8773985816
MHNet contact information also found on the back of the BCBSFL card
29
MHNet Provider Search
http://www.mhneteap.com
CATAMARAN
(formerly WALGREENS HEALTH INITIATIVE)
Pharmacy Benefit Plan
31
CATAMARAN
Pharmacy Benefit Plan




Pick up prescriptions at any one of the
62,000 retail pharmacies in the
Walgreens network
Advantage90™ Network of 39,000 retail
pharmacies nationwide can dispense a
90 day prescription in store, you can
reduce your co-payments by using this
program
Order a 90 day supply through the
Catamaran Rx Mail Order Program by
phone or on-line. This is the least
expensive way to obtain your
prescriptions!

Same pharmacy benefits for both plans

No deductible required only co-payments

Out of pocket maximum is $2,000 per
individual and $4,000 per family

There is a separate ID card for pharmacy
benefits

The NSU Pharmacy is in the network, and
they will help you transfer your
prescriptions from other pharmacies
•
NSU Pharmacy provides ALL generic
drugs at a zero ($0) co-pay
You are not required to use a Walgreens
pharmacy and the NSU Pharmacy is in
the network
24/7 customer service for members
1-800-207-2568
www.walgreenshealth.com
Catamaran™ Pharmacy Benefits
Benefit Tiered Copays
•
Pharmacy benefit plan offers three tiers of drugs – these determine your copay
•
Have your doctor consult the Preferred Medication List for the lowest cost generic or brand
medications available for your therapy
•
Out of pocket maximum is $2,000 per individual and $4,000 per family
Tier
1st
Tier:
Generics
2nd
Tier:
Preferred
3rd Tier:
Nonpreferred
Co-pay
30 day Retail/Mail Order/ 90 day
Retail
Definition
$5/10/10
Generics contain the same active ingredient as their brand-name
equivalents and offer the same effectiveness and safety. Some
generics use a brand name instead of a chemical name. Both have
the lowest co-pay.
$27/50/60
Medications in this tier have been selected by your pharmacy
benefit plan as preferred brand drugs. These drugs have higher copays than generics but are less costly than non-preferred
medications on the third tier.
$60/120/145
Because a generic version or a second-tier alternative is available,
non-preferred medications have the highest co-pays and are not
listed on the Preferred Medication List.
Visit www.mycatamaranrx.com or call Member Services at 1-800-207-2568
Use 90 day mail order and save money! Call 1-877-615-6331.
33
CATAMARAN
www.mycatamaranrx.com
MyCatamaran
members can:
 Create an online
account to access
Rx information
 Check drug
coverage and cost
 Check eligibility
 Search and
download, plan
drug list
 Locate a nearby
pharmacy
 Review prescription
history and refill
information
 Print a temporary ID
card
CATAMARAN
Catamaran™ Pharmacy Benefits
Mobile App
Catamaran Member Portal: www.mycatamaranRx.com
 Refill Rxs from Catamaran Home Delivery
 Obtain a list of preferred medications to maximize savings
 Perform test co-pays for Rxs
 View prior authorization history
Catamaran Mobile App:
 Free of charge (Check data usage with service provider)
 Find the lowest cost drug and pharmacy options
 View prescription history
 Key Features:
• Fill-My-Scripts is a reminder to fill prescriptions
• Take-My-Meds is a reminder to take medications
• Mobile Advocate is designed to mimic behavior of provider
to elicit action and participation
Note: Must register for an account on Catamaran Member Portal prior to accessing member information on the mobile app
36
NSU CLINIC PHARMACY
 Full service pharmacy
 Accepts NSU/ICUBA
prescription plan
 FREE generic drugs for
NSU/ICUBA Healthcare
subscribers
 Open:
Monday – Friday
9:00 AM – 6:00 PM
Saturday
9:00 AM – 1:00 PM
For questions and appointments please call: 954.262.4550
Web address: http://pharmacy.nova.edu/clinic/index.html
HEALTH CARE & DEPENDENT CARE
FLEXIBLE SPENDING ACCOUNTS
HEALTH REIMBURSEMENT ACCOUNTS
Health Reimbursement Account &
Flexible Spending Account
Health Reimbursement Account
Flexible Spending Account

Funded by the University


Comes with all medical plans
Voluntary, funded by employee
pre-tax dollars – Maximum
$2,500

Funds rollover at the end of
each plan year indefinitely

Available for medical and
dependent care expenses

Can have HRA alone with no
FSA

No carry-over of funds from
year to year (by law)

Use-it-or-lose-it

Incur expenses through June
15th, and file by June 30th

FSA funds used before HRA
funds


Portable after 36 months of
continuous HRA participation
No cash distribution
Over the counter (OTC) medication cannot be purchased without a prescription from a physician.
Dependent Care Flexible Spending Account
• Funded by employee with pre-tax contributions
• Pay for qualified dependent care expenses, such as day-care or after-school
care – NOT MEDICAL EXPENSES
• Maximum annual limit of $5,000 – per family
• Eligible dependents under age 13, physically or mentally challenged adult
children who are unable to care for themselves
• Funded each pay date, and available using the ICUBA Benefits MasterCard®
• Subject to use-it-or-lose-it rule
• Incur expenses through June 15th, file claims by June 30th
• File your claims online at http://icubabenefits.org
40
DENTAL / VISION / OPTIONAL
BENEFITS
HUMANA DENTAL PLAN
DHMO PREPAID 250 CS PLAN
•
Members should choose a Primary Care Dentist at
the time of new hire/rehire enrollment.
•
Make your provider selection through
www.humanadental.com or contact Humana
Customer Service for assistance locating a provider.
•
Visit http://icubabenefits.org to elect or change
your primary care dentist.
– Click on the “Start Here: Change My Benefits” button.
– Select “Basic Info”, then click “Change my Primary Care
Dentist”
– Enter the effective date of change, then the dentist ID
•
Changes to your dentist election must be
submitted by the 1st of the month to ensure you
and your dependent’s name appear on the
dentist’s roster on the first of the following month.
•
Dentist elections can only be changed by the
member through the ICUBA website.
HUMANA DENTAL PLAN – PPO PLANS
PPO Low Option
Preventive Plus
High Option PPO
100 / 80
In-Network; Same benefit Out of Network but you may be
balanced billed on amounts over Usual and Customary
100 / 80 / 50 / 50
In-Network; Same benefit Out of Network but you may be
balanced billed on amounts over Usual and Customary;
Endodontic and Periodontal Services covered under Basic
Services
$1000 Plan Year Maximum
$2000 Plan Year Maximum [30% coinsurance on preventive,
basic and major services after reach annual max]
Excludes Orthodontics and Major Services
[i.e. crowns, dentures, endodontics and periodontics]
$2000 Lifetime Maximum for Adult and Child Orthodontics
[additional 30% coinsurance not available]
Plan Year Deductible $50 per Individual up to $150 per Family
for Type II. III and IV services
Plan Year Deductible $50 per Individual up to $150 per Family
for Type II. III and IV services
No waiting periods
No waiting periods
Claim forms may be required
Claim forms may be required
You can use any dentist you choose
You can use any dentist you choose. However, out-of-network
services will be subject to higher coinsurance.
Major Services – Discount available In-Network and No
coverage for Out-of-Network services
Out of Network Dentist reimbursed
at 90% of Usual and Customary
Humana Dental Plans
Monthly Dental Premium
High Option
PPO Plan
Low Option
Preventive Plus
Plan
DMO CS250
Plan
Employee
$36.68
$19.48
$10.98
Employee + 1
$73.04
$45.28
$22.02
Family
$122.84
$74.96
$34.20
Benefits can be obtained at the NSU Dental Faculty Practice Clinic
PPO Plans Accepted Only
www.humanadental.com
1-800-233-4013 (PPO)
1-800-979-4760 (DMO)
44
ADVANTICA EYE CARE PLAN
Benefit
Network
Non-Network
Vision Exam
$5 Co-Pay
Up to $40 Reimbursement (less
applicable Co-Pay)
Standard Frames
$15 Co-Pay; Up to $100 allowance less
applicable Co-Pay if outside Standard
Reimbursed up to $40
Single Vision, Bifocal and Trifocal Lens
Covered After $15 Co-Pay
Up to $20 for Single Vision, $40 for
Bifocal or$60 for Trifocal
Reimbursement after Co-Pay
Trifocal Lens
Covered After $15 Co-Pay
Standard Progressive
$50 Co-Pay
No Benefit
Polycarbonate
Included with Lens Co-Pay up to age
19; over 19, $30 Co-Pay
No Benefit
UV Coating
$12 Co-Pay
No Benefit
Medically Necessary Contact Lens
$250 allowance; $30 fitting fee
allowance
No Benefit
Contact Lens (Cosmetic)
$100 allowance; $30 fitting fee
allowance
Up to $60 Reimbursement
Frequency Limitations Exams
12 Months
Frequency Limitations Frames
24 Months
Lenses or Contact Lens
12 Months
ADVANTICA EYE CARE PLAN
Rates
PREMIUM
MONTHLY
BI-WEEKLY
Employee
$3.98
$1.99
Family
$10.18
$5.09
Services can be obtained at the NSU Eye Care Institute or national network
optometrists, ophthalmologists, opticians and retail providers
(866) 425-2323
http://www.advanticaeyecare.com
LIFE AND DISABILITY BENEFITS
Basic Employer Provided Life Insurance
Optional Life Insurance
Short Term Disability
Long Term Disability
Identity Theft Protection
Emergency Travel Assistance
BASIC AND OPTIONAL TERM LIFE INSURANCE
Basic – Employer
Optional - Employee
Benefits-eligible employees must work at least 19.2 hours weekly and are U.S.
citizens or U.S. residents and foreign nationals
Eligible after 3-months of employment Eligible after a 3-month waiting period
Benefit is one times annual salary up
to a maximum of $300,000
Elect amounts between $10,000 and
$200,000 in $10,000 increments
Term life insurance
Convertible at age 65 /portable up to
age 65 and younger
Benefit reduces to 65% at age 65 and to 50% at age 70
No medical exam for this period only (Optional Life Insurance)
Complete a beneficiary form at http://icubabenefits.org and update as needed
OPTIONAL TERM LIFE INSURANCE
Rate Chart (1)
Age
Amount of coverage
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
90,000
100,000
00-24
0.47
0.94
1.41
1.88
2.35
2.82
3.29
3.76
4.23
4.70
25-29
0.57
1.14
1.71
2.28
2.85
3.42
3.99
4.56
5.13
5.70
30-34
0.76
1.52
2.28
3.04
3.80
4.56
5.32
6.08
6.84
7.60
35-39
0.85
1.70
2.55
3.40
4.25
5.10
5.95
6.80
7.65
8.50
40-44
0.95
1.90
2.85
3.80
4.75
5.70
6.65
7.60
8.55
9.50
45-49
1.42
2.84
4.26
5.68
7.10
8.52
9.94
11.36
12.78
14.20
50-54
2.18
4.36
6.54
8.72
10.90
13.08
15.26
17.44
19.62
21.80
55-59
4.08
8.16
12.24
16.32
20.40
24.48
28.56
32.64
36.72
40.80
60-64
6.26
12.52
18.78
25.04
31.30
37.56
43.82
50.08
56.34
62.60
65-69
12.50
25.00
37.50
50.00
62.50
75.00
87.50
100.00
112.50
125.00
70-74
25.00
50.00
75.00
100.00
125.00
150.00
175.00
200.00
225.00
250.00
75+
25.00
50.00
75.00
100.00
125.00
150.00
175.00
200.00
225.00
250.00
OPTIONAL TERM LIFE INSURANCE
Rate Chart (2)
Age
Amount of coverage
110,000
120,000
130,000
140,000
150,000
160,000
170,000
180,000
190,000
200,000
00-24
5.17
5.64
6.11
6.58
7.05
7.52
7.99
8.46
8.93
9.40
25-29
6.27
6.84
7.41
7.98
8.55
9.12
9.69
10.26
10.83
11.14
30-34
8.36
9.12
9.88
10.64
11.40
12.16
12.92
13.68
14.44
15.20
35-39
9.35
10.20
11.05
11.90
12.75
13.60
14.45
15.30
16.15
17.00
40-44
10.45
11.40
12.35
13.30
14.25
15.20
16.15
17.10
18.05
19.00
45-49
15.62
17.04
18.46
19.88
21.30
22.72
24.14
25.56
26.98
28.40
50-54
23.98
26.16
28.34
30.52
32.70
34.88
37.06
39.24
41.42
43.60
55-59
44.88
48.96
53.04
57.12
61.20
65.28
69.36
73.44
77.52
81.60
60-64
68.86
75.12
81.38
87.64
93.90
100.16
106.42
112.68
118.94
125.20
65-69
137.50
150.00
162.50
175.00
187.50
200.00
212.50
225.00
237.50
250.00
70-74
275.00
300.00
325.00
350.00
375.00
400.00
425.00
450.00
475.00
500.00
75+
275.00
300.00
325.00
350.00
375.00
400.00
425.00
450.00
475.00
500.00
SHORT-TERM AND LONG-TERM DISABILITY
Short-Term
Long-Term
Benefits-eligible employees must work at least 19.2 hours weekly and are U.S.
citizens or U.S. residents and foreign nationals
Eligible after 3-month waiting period and
benefits paid at 60% of employee’s
salary
Eligible after 6-month waiting period and
benefits paid up to 60% of employee’s
salary
7 calendar-day elimination period
(amount of time the employee must be
disabled before benefits become
payable)
180-day elimination period (amount of
time the employee must be disabled
before benefits become payable)
180 day benefit period – followed by
Long Term Disability
Pre-existing limitations may apply and
conversion available on termination
This is an overview of benefits available under the University STD Program & LTD Plan. It is not intended to modify,
in any way, the plan documents or Summary Plan Description that, in the case of any difference, will govern.
IDENTITY THEFT PROTECTION
 Your Life Insurance carrier provides this service if you
become a victim of identity theft
 24/7 telephone support and step-by-step guidance by antifraud experts
 Expert case worker assigned to you to assist with
notification to credit bureaus and paperwork to correct
credit reports
 Preventative measures- register up to 10 credit or debit
cards for 24/7 surveillance
 Call SecurAssist® at 1-877-409-9597
EMERGENCY TRAVEL ASSISTANCE
• Your Life Insurance carrier provides this service when
you travel more than 100 miles away from home and
need medical assistance
• All services must be provided and arranged by Assist
America
• No claims for reimbursement will be accepted
• Call Assist America at 1-800-872-1414 within USA or
301-656- 4152 outside the USA
• See brochure in your packets
NSU 401(k) RETIREMENT PLAN
www.tiaa-cref.org
www.valic.com/nova
NSU 401(k) RETIREMENT PLAN
(RETIREMENT MANAGER)
 A secure way to enroll and make changes to the NSU Retirement
accounts at https://www.myretirementmanager.com
 Comprehensive source for financial planning and determine if your
financial plan is on track
NSU 401(k) RETIREMENT PLAN
 Must be 21 years of age, full time employee and not be in an
excluded class (e.g. Temporary, Part-Timer, Cluster, Union, Non
Resident Aliens, etc.) to be eligible for NSU Retirement Savings Plan
 Full-time employees eligible to receive matching contributions in the
NSU 401(k) Retirement Savings Plan after one year of service
 Eligible to make voluntary contribution into the NSU 401(k) Plan on the first of
the month following your hire date
 NSU Safe Harbor matching contribution immediately vested
 NSU Basic 2% and matching contribution (above basic 2%) is vested after 3
years of service
 Employees who attain the age of 50 can defer additional amounts
(“catch-up” contributions) up to the annual limit of $23,000 ($17,500
under age 50)
401(K) CONTRIBUTIONS
University matching contributions begin after one year of service
EMPLOYEE
EMPLOYER
BASIC
EMPLOYER
SAFE HARBOR
MATCHING
EMPLOYER
MATCHING
EMPLOYER
TOTAL
EMPLOYER
&
EMPLOYEE
TOTAL
0%
2%
0%
0%
2%
2%
1%
2%
1%
1%
4%
5%
2%
2%
2%
2%
6%
8%
3%
2%
3%
3%
8%
11%
4%
2%
4%
4%
10%
14%
100% Vested
Immediately
3 yr. Vesting
from Date of
Hire
100% Vested
Immediately
3 yr. Vesting
from Date of
Hire
Enroll and make changes to the NSU Retirement accounts by visiting
https://www.myretirementmanager.com

“Safeguard for Minors” identity theft
protection for dependents for an
extra $1.00 a month

Real Estate, Family Law, Estate
Planning, Traffic Issues

Legal Shield premium deductions
once a month. Deductions will be
taken in the second pay period of
each month

Voluntary employee benefit - no
employer contribution

Contact Kelley Kaupas-Rheault at
(954)-214-0327 or John Broadbent at
(954)-881-1296 or visit
http://www.legalshield.com/cp/

View additional information on
benefits webpage
http://www.nova.edu/cwis/hrd/benefit
s/index.html

Offers various insurance plans,
accident insurance, hospital
indemnity, short-term disability and
cancer indemnity

Voluntary employee benefit - no
employer contribution

View PowerPoint presentation on
benefits webpage

Contact AFLAC representative Joe
Evans at (954) 560-6000 for more
information.
Employee Discount
Provided by Abenity

View additional information on
benefits webpage
http://www.nova.edu/cwis/hrd/benefits
/index.html
NSU / ICUBA Health and Wellness Benefits
Member Cards
Florida Blue Medical Insurance
Advantica Eyecare Plan
Catamaran Prescription
Drug Plan
Humana Dental Plan
ICUBA Cares MasterCard™
*Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNet
The toll free phone number and website can be found on back of Florida Blue ID card.
ICUBA Partners
Company
Benefit
Health Insurance
Contact
www.bcbsfl.com OR
www.floridablue.com
ID Card?
Yes
800-664-5295
www.mycatamaranRx.com
Prescription Drug Plan
(formerly Walgreens &
Catalyst)
Member Services: 800-207-2568
Mail Order: 877-615-6331
Mental Health,
Substance Abuse and
Employee Assistance
Program
www.mhnet.com
877-398-5816
Yes
Back of BCBS
Card
60
60
ICUBA Partners
:
Company
Benefit
Flexible Spending Plans:
Health Care Spending Account
Dependent Care Spending Account
Health Reimbursement Account
Benefit elections, information
and access to ICUBA Benefits
Card account information
Contact
http://icubabenefits.org
Phone:866-377-5102
Fax: 866-377-5180
P.O. Box 616927
Orlando, FL 32861-6927
ID Card?
ICUBA Benefits
MasterCard®
http://icubabenefits.org
No
866-377-5102
www.humanadental.com
Dental Insurance
Eye Care Plan
800-979-4760 (DHMO)
800-233-4013 (PPO)
www.advanticabenefits.com
Yes
Yes
866-425-2323
Term Life, AD&D and Short and
Long Term Disability Insurance
Contact Benefits Department
No
61
61
ENROLLMENT REMINDER
• Employees have thirty days (30) from their date of hire or
eligibility to enroll in ICUBA benefits
• Enrollment is made online at http://icubabenefits.org
• Premiums are charged from the date of hire
• Enrollment instructions are posted on the benefits web
page
• If you do not enroll during this period you may enroll during
the next annual enrollment or qualifying status change
• Employees working at least 19.2 hours per week are
eligible for retirement supplemental, dental and vision plans
• Employees working 28 hours or more per week are eligible
for *retirement matching, medical, dental, and vision plans
*Employee must be classified as full-time to be eligible for the retirement matching plan
FOR VIEWING THE NOVA SOUTHEASTERN UNIVERSITY NEW HIRE
ENROLLMENT PRESENTATION
If you have any questions, please email the
Office of Human Resources Shared Services at [email protected]
or call (954)262-HR4U (4748)