NSU Belongs to the ICUBA Health Insurance Consortium ICUBA is - - PowerPoint PPT Presentation

• ICUBA is comprised of 10 colleges and universities and 17 secondary

schools

• Approximately 10,000 enrolled employees covering 16,000 lives
• NSU’s 3,200 enrolled employees represent 34% of ICUBA’s participating

employees

NSU Belongs to the ICUBA Health Insurance Consortium

Products and Services Provided by ICUBA

Medical Insurance Prescription Drug Coverage Behavioral Health Coverage Dental Insurance Vision Plan Health/Dependent Care FSA Health Reimbursement Account COBRA/Retiree Health Administration Benefit Enrollment Site Health Care Compliance Administration Rally Wellness Program Employee Assistance Program

ICUBA Health Insurance Consortium

Members

Barry University Beacon College The Bolles School Canterbury School of Fort Myers Central Florida AHEC Corbett Preparatory School of IDS Edward Waters College Everglades AHEC Florida Institute of Technology Good Shepherd Episcopal School Grace Episcopal Day School Jacksonville Country Day School Nova Southeastern University Palm Beach Atlantic University The Poynter Institute Rollins College Saint Edward’s School Saint Leo University

• St. Mark’s Episcopal Day School

Saint Paul’s School Saint Stephen’s Episcopal School San Jose Episcopal Day School Tampa Preparatory School University of Tampa Unity School Warner University Westminster Christian School

Visit the Benefits Website

https://www.nova.edu/hr/benefits

1) Follow login instructions (see red box) 2) Add dependents (if you have them) 3) Ask Emma (if you need help) 4) Elect benefits (date of hire + 30 days)

If you have questions while enrolling for benefits 

Emma is a decision support tool designed to help you make an informed decision about benefits for you & your family. Emma will guide you through a short series of questions about how you use your benefits and estimates your annual costs using real-life scenarios based on the answers you provide.

Enroll on The ICUBA Portal

http://icubabenefits.org

Dependent Verification

Who is an eligible dependent?

• Your legally recognized spouse or domestic partner;
• Your natural child, stepchild, legally adopted child, your

legal ward, foster child or a child covered by a Qualified Medical Child Support Order (QMCSO);

• Your child is considered an eligible dependent until the

end of the calendar year in which they turn 26;

• Your adult child who is disabled and incapable of self-

support may be considered an eligible dependent if documented by SSI or SSA.

Medical Highlights

Premier PPO Plan Preferred PPO Plan $4K/$8K PPO Plan

$2,500 Individual Deductible $5,000 Family Deductible $2,500 Individual Deductible $5,000 Family Deductible $4,000 Individual Deductible $8,000 Family Deductible $4,000 Individual OOP Max $8,000 Family OOP Max $4,000 Individual OOP Max $8,000 Family OOP Max $5,350 Individual OOP Max $10,700 Family OOP Max Hospital Inpatient: 20% Coinsurance After Deductible Hospital Inpatient: 20% Coinsurance After Deductible Hospital Inpatient: 30% Coinsurance After Deductible Physician’s Office Visit $25 Copay Physician’s Office Visit 20% Coinsurance Physician’s Office Visit $35 Copay Specialist’s Office Visit $50 Copay Specialist’s Office Visit 20% Coinsurance Specialist’s Office Visit $70 Copay $50 Urgent Care Copay $300 Emergency Room Copay $30 Urgent Care Copay $300 Emergency Room Copay $70 Urgent Care Copay $500 Emergency Room Copay Mental & Behavioral Health Outpatient: $25 Copay Mental & Behavioral Health Outpatient: 20% Mental & Behavioral Health Outpatient: $35 Copay

Premier PPO Monthly Premium

Coverage Election Tier Monthly Premium HRA from NSU Employee Only $243 $50 + Spouse $944 $100 + Child(ren) $696 $100 + Family $1,206 $100 + Dual Enrolled $940 $150

Preferred PPO Monthly Premium

Coverage Election Tier Monthly Premium HRA from NSU Employee Only $99 $50 + Spouse $681 $100 + Child(ren) $437 $100 + Family $863 $100 + Dual Enrolled $538 $150 $4K/$8K PPO Monthly Premium Coverage Election Tier Monthly Premium HRA from NSU Employee Only $94 $50 + Spouse $674 $100 + Child(ren) $241 $100 + Family $644 $100 + Dual Enrolled $351 $150

Medical Premium

The Dual Enrolled tier is for married employees who cover themselves & eligible dependent children. This tier combines the premium for Employee Only and Employee plus Child(ren). This way Dual Enrolled NSU families aggregate the deductible and out-of-pocket expenses which eliminates the need to meet an extra deductible.

Medical Premium

IMPORTANT POINTS TO KEEP IN MIND ABOUT COLLECTION OF PREMIUMS:

• Coverage and premium collection begin on the hire date
• The new hire enrollment period starts on the hire date and

ends 30 days later

• A premium payment may be missed when enrollment occurs

later in the enrollment period

• Should this happen, the missed premium will be collected

retroactively

Eliminating Barriers to Care

• ICUBA collects premium to pay claims for medical, pharmacy and

behavioral health and plan administrative services – premium collected is used for the exclusive benefit of members

• ICUBA and its members designed a value-based plan that provides free

and low-cost wellness benefits

• These value-based benefits eliminate barriers to care, provide members

access to wellness benefits that identify emergent health issues early

• Investment in a long-term culture of wellness enables members to

maintain optimal health

• In-network Annual Wellness Exams
• Blue Distinction Primary Care Physician Visits
• Routine Medically Necessary Labs performed at Quest

Diagnostics

• Prescribed Diabetic Supplies, Meters, Lancets, Test Strips,

Needles And Syringes

• ICUBAcares Pharmacist Advocate
• Surgery Plus + Surgical Services
• EAP SERVICES FREE FOR ALL NSU EMPLOYEES

Eliminating Barriers to Care

NO-COST BENEFITS

• Specialized PPO network for non-emergent surgical procedures
• Deductibles and out-of-pocket expenses are waived for consultations, surgical procedure,

and follow up care for up to 90 days following the surgery

• Care Advocates provide full concierge service will collect medical records, arrange the

initial consultation, schedule the procedure, and coordinate post-operative care

• Hundreds of surgeries available including, but not limited to:

 Knee  Hip  Shoulder  Ankle  Disk Repair/Replace  Rotator Cuff  Tendon Repair  Carpal Tunnel  Spine  GI  Cardiac

Eliminating Barriers to Care

NO-COST BENEFITS SurgeryPlus+

Eliminating Barriers to Care

NO-COST BENEFITS

• Lab Tests
• Pap Tests
• Urinalysis
• Colorectal

Screenings

• Prostate Cancer

Screenings Please note: Lab tests performed at an in- network physicians

• ffice and not sent to

Quest Diagnostics may be subject to coinsurance (deductible does not apply beginning 04/01/1).

• Electrocardiograms
• Echocardiograms
• Mammograms
• Colonoscopies and

Sigmoidoscopies

• Immunizations
• Allergy Injections
• Bone Mineral

Density Tests

• Ultrasounds of the

Breast

• Primary Care BDTC

Visits

• Our Employee

Assistance Program is available to all members of your household

• Receive up to 6

FREE face-to-face counseling sessions per plan year Call the Resources for Living EAP 24-hours a day at 1-877-398-5816

• Prescribed diabetic

supplies including meters, lancing devices, lancets, test strips, control solution, needles, and syringes

• Prescribed Aspirin

for adults

• Prescribed generic

folic acid and generic prenatal vitamins for pregnancy

• Prescribed generic

statins (if eligible)

BE AN EDUCATED HEALTHCARE CONSUMER UNDERSTAND HOW YOUR PLAN PAYS FOR SERVICES BEFORE YOU SEE A PROVIDER

NO-DEDUCTIBLE IN-NETWORK BENEFITS

Advanced Imaging Immunizations Primary Care Visits Chiropractic Care Maternity Visits Specialist Office Visits Emergency Room Occupational Therapy Speech Therapy Emergency Transportation Outpatient Mental Health Urgent Care Hospice Care Prescription Copays

TELADOC - $5 COPAY Single Sign-On through the ICUBA Portal & BCBS Set up account at www.Teladoc.com use Company Code: ICUBA

Eliminating Barriers to Care

Teladoc gives you access 24/7 to a U.S. board-certified doctor through the convenience of phone, video or mobile app visits. Set up your account today so when you need care now, a Teladoc doctor is just a call or click away.

Eliminating Barriers to Care

Pharmacy Benefits

PRESCRIPTION DRUG COPAYS ARE THE SAME FOR ALL ICUBA MEDICAL PLANS

30‐day 90‐day Retail 90‐day Mail

PREFERRED GENERICS AT NSU PHARMACY $0 $0 N/A PREFERRED GENERICS AT RETAILPHARMACY $5 $10 $10 NON‐PREFERRED GENERICS $10 $20 $20 PREFERRED BRAND $40 $80 $80 NON‐PREFERRED BRAND $75 $150 $150 *SPECIALTY MEDICATION IS FULFILLED THROUGH BRIOVA $75 N/A N/A

ICUBAcares PHARMACIST ADVOCATE

NAVIGATE COPAY TIERS, OBTAIN PRIOR AUTHORIZATIONS, IDENTIFY LOWER COST DRUGS CALL 877-286-3967

Coverage is attached to medical insurance & administered by OptumRx

Coverage is attached to medical insurance & administered by Aetna.

Behavioral Health & EAP Benefits

Aetna also provides EAP services to all NSU employees regardless of participation in a medical plan. You can access both services by calling

• ne number! Call 877-398-5816 and

press 1 after the prompt for EAP , or press 2 after the prompt for Behavioral Health. Talkspace is an online therapy platform that makes mental healthcare more convenient and accessible by connecting users with licensed therapists

• 1. Call Resources for Living for authorization
• 2. Register at talkspace.com/rfl
• 3. Organization Name is your Employer/School

Send unlimited multimedia messages

HRA & Optional FLEX SPENDING

HRA (FROM NSU)

Health Reimbursement Accounts

HCFSA

Health Care Flexible Spending Account

DCFSA

Dependent Care Flexible Spending Account

Funded by NSU and provided when you enroll in an ICUBA Medical Plan All employees eligible for medical insurance at NSU can enroll in Flexible Spending regardless of their participation in the medical plan. No deductions – NSU contributes for you Deducted pre-tax over 24 pay periods Deducted pre-tax over 24 pay periods Available each month when deposited Available for immediate use Available for use each pay period Can be used for medical expenses for members enrolled in a medical plan Can be used for medical expenses for you & eligible dependents Can be used for the care of dependents under the age of 13 If you elect an HCFSA the Flex funds are used BEFORE the HRA funds If enrolled in an NSU medical plan: HCFSA funds are used before HRA Covered expenses include: Day Care, After Care, Gap Camps Portable after 36 months HCFSA maximum annual limit is $2,650 DCFSA maximum household limit is $5,000

Funds Rollover Every Year Use-it-or-lose-it, no annual carry over

Examples of how to use HRA: FOR ELIGIBLE MEDICAL EXPENSES

• Health Care & Rx Co-pays
• Dental & Vision Care
• Durable Medical Equipment

Examples of how to use HCFSA: FOR ELIGIBLE MEDICAL EXPENSES

• Health Care & Rx Co-pays
• Dental & Vision Care
• Durable Medical Equipment

Examples for how to use DCFSA: NOT FOR MEDICAL EXPENSES

• Pre-school payments
• After Care payments
• Gap camp (summer camp)

FLEXIBLE SPENDING ACCOUNT ELECTIONS ARE REQUIRED ANNUALLY! If you do no elect flexible spending during open enrollment, you will not have the benefit on April 1, 2019. Enroll in flexible spending in the ICUBA Enrollment Portal online at http://icubabenefits.org.

HRA & Optional FLEX SPENDING

Use the ICUBA MasterCard to access funds in your HRA or FSA account Single sign-on access to HRA and Flexible Spending Account information including spending summaries is available on the ICUBA portal

• 1. The Dental HMO provides service only in Florida,

provider must be selected, no deductible or maximum, services reimbursed according to DHMO schedule

• 2. The Preventive Plus PPO covers basic & preventive

services only; annual maximum is $1,000

• 3. The High Option PPO and DHMO covers basic, major,

and preventive services ; annual maximum is $2,000

• 1. EyeMed provides coverage for prescription glasses

and contact lenses

• 2. Base plan provides new frames every 24 months
• 3. Enhanced plan provides new frames every 12

months

Election Base Plan Enhanced Plan Employee Only $3.91 $4.83 + Family $10.02 $12.36

• lenses. The health of your eyes is generally covered under your medical insurance plan.

Election DHMO Preventive High Option Employee Only $11.83 $19.67 $40.81 + One $23.73 $45.72 $81.29 + Family $36.85 $75.69 $136.71

Optional Dental & Vision Insurance

NSU Dental Faculty Practice and the Eye Care Institute are participating providers

DHMO PPO

• Supplemental insurance that offsets in-patient and certain out-

patient medical expenses

• Must be covered under a medical insurance plan at NSU
• Must elect the same tier as the NSU medical insurance plan -

employee only, employee plus child(ren), employee plus spouse, and family

Gap Insurance Monthly Premium

Premier & Preferred Gap Coverage / $2,500 Benefit $4,000/$8,000 PPO Plan Gap Coverage / $4,000 Benefit Employee Only: $26.40 Employee Only: $34.04 + Spouse: $47.56 + Spouse: $61.30 + Child(ren): $50.64 + Child(ren): $65.32 + Family: $71.78 + Family: $92.56

Optional Gap Insurance

Optional Gap Insurance

Optional Aflac Insurance

Fill in insurance gaps with Aflac Policies  Short-Term Disability Insurance  Accident Advantage  Aflac Choice (Hospital Confinement)  Aflac Cancer Care Premier For information about the AFLAC products call Joe Evans at 954-560-6000

Optional Group Term Life

• Guarantee Issue – up to maximum coverage amount of $300,000
• No Medical Questions – for new employee elections
• Age Banded Group Rates – purchase in increments of $10,000
• Dependent Coverage Available - spouse/domestic partner/child
• Portable – take it with you
• Benefit Age Reduction - at 65 to 67% & at 70 to 50%

Optional LegalShield & IDShield

Pet Assure Veterinary Discount Plan Receive discounts on in-house medical services with no deductible, no exclusions and no waiting period when visiting a participating veterinarian.

Optional Pet Assure with Pet Plus Rx

$11.75 a month single pet - $18.50 a month unlimited pets

Pet Plus Prescription Savings Plan Provides access to reduced cost prescription medication with free shipping or pick up at more than 50,000 pharmacies. Coverage is available for single and multiple pet households.

Life Insurance and AD&D In the amount of 1X Salary (does not include overtime or overloads). Make sure you provide your beneficiary information in the ICUBA portal. Eligible employees must work 90 days before Life Insurance is effective. Long Term Disability (LTD) provides LTD payments to eligible participants who are totally disabled under the terms and conditions of the Policy. Eligible employees must work 90 days before Life Insurance is effective. Short Term Disability (STD) provides short term payments to eligible employees who are disabled and unable to work according to the terms and conditions of the Program. The program is administered by the university’s designated leave administrator. Eligible employees must work 90 days before STD program is available. Emergency Medical Travel Assistance is available through the life insurance policy, eligible employees after 90 days of employment. Tuition Waiver the amount of the waiver will vary by degree program. Eligible employees must work 6 months before Tuition Waiver is available.

More Benefits Provided By NSU

ELIGIBLE EMPLOYEES WORK 19.2 HOURS OR MORE PER WEEK

When you enroll into an ICUBA medical plan, you open the door When you enroll into an ICUBA medical plan, you open the door to exciting ways to reach your WellBeing potential to exciting ways to reach your WellBeing potential

More Benefits Provided By NSU

Rally EMPLOYEE WELLNESS PROGRAM

2019/2020 2019/2020 RALLY RALLY INCENTIVES INCENTIVES $250 INCENTIVE DOLLARS $250 INCENTIVE DOLLARS

(REDEEM FOR GIFT CARDS IN RALLY) (REDEEM FOR GIFT CARDS IN RALLY)

UNLIMITED RALLY COINS UNLIMITED RALLY COINS ICUBA PRIVATE SWEEPSTAKES ICUBA PRIVATE SWEEPSTAKES

ACTIVITY RALLY INCENTIVES

RALLY SURVEY Gatekeeper + 400 Coins & ICUBA Private Sweepstakes BIOMETRIC SCREENINGS $25 ONSITE/CAMPUS EVENTS $10 each (up to $50) WELLNESS EXAMS $25 COLONOSCOPY $50 MAMMOGRAM/PSA $50 ICUBACARES $50 MISSIONS Unlimited Coins & ICUBA Private Sweepstakes CITY CHALLENGES Unlimited Coins & ICUBA Private Sweepstakes TELADOC REGISTRATION 400 Rally Coins TOBACCO ATTESTATION 400 Rally Coins CLINICAL REWARDS 500 Rally Coins per Quarter = 2,000 Coins INCENTIVE TOTAL $250

More Benefits Provided By NSU

Rally EMPLOYEE WELLNESS PROGRAM

More Benefits Provided By NSU

Whether you're a seasoned investor or a retirement savings rookie, NSU has you covered with access to best-in-class retirement savings options from AIG and TIAA, and industry leading financial advice through our partnership with AIG, TIAA, and CAPTRUST.

When are you eligible to contribute?

If you are an eligible employee who is 21 years of age or older and working 19.2 hours or more per week, you can contribute to the NSU 401(k) Plan on a non-matched basis on the first of the month following your date of hire.

When are you eligible for the NSU match?

If you are an eligible employee who is 21 years of age or older and working 19.2 hours or more per week, you can receive the NSU 401(k) Match on the first of the month following your one- year anniversary.

Retirement Savings

Retirement Savings

My Retirement Manager Portal My Retirement Manager Portal

https://www.myretirementmanager.com/myrm/login/login.aspx

Contribution Calculator Contribution Calculator

https://www.nova.edu/hr/benefits/retirement-plans.html

Employee contrib ution is 0% + 0% + NSU b asic contrib ution of 2% + 2% + NSU Safe Harb or Match of 0% + 0% + NSU ad d itional m atch of 0% = 0% = Total NSU contrib ution 2% 2% TOTAL RETIREMENT TOTAL RETIREMENT SAVINGS SAVINGS

(vested after 3 years)

If you contribute 0% If you contribute 0% after 1 year after 1 year …

Retirement Savings

Employee contrib ution is 4% + 4% + NSU b asic contrib ution of NSU Safe Harb or Match of NSU ad d itional m atch of Total NSU contrib ution

14% 14%

TOTAL RETIREMENT TOTAL RETIREMENT SAVINGS SAVINGS

(vested after 3 years) (vested immediately) (vested after 3 years) (vested immediately)

If you contribute 4% If you contribute 4% after 1 year after 1 year …

Retirement Savings

NSU provides FREE individual counselling sessions with our investment providers AIG, TIAA and CAPTRUST.

Make an appointment with an advisor – learn how by visiting http://www.nova.edu/hr/benefits/retirement-plans.html Meet with a Financial Advisor and discuss how to:

• Take maximum advantage of NSU retirement plan
• Develop a retirement strategy
• Diversify your retirement account
• Lower your taxable income

Retirement Savings

Employees who have worked at NSU for 12 months and have worked at least 1,250 hours in the 12-month period immediately preceding their necessity for Family and Medical Leave. Employees who meet these eligibility requirements and provide notice to the university’s designated leave administrator will be entitled to 12 work weeks of leave. Leave is applied against the employee’s accrued sick, personal, and vacation leave. May be granted for one or more of the following reasons:

Family & Medical Leave

• Birth of a child
• Placement of a child for adoption or foster care
• Care for the spouse, child, or parent with a serious health condition
• Serious health condition of an employee
• Care for a covered service member
• Military caregiver or military exigency

Your benefit information is available at your fingertips mobile apps are available for iOS and Android

No computer? No Problem!

Bswift Benefits

Instant, secure access to your NSU benefits through ICUBA! Your current elections, beneficiaries, and provider contact information are at your fingertips. Use your ICUBA Portal username and password (ICUBABENEFITS is the company ID).

Aetna Resources for Living

The Resources for Living app allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being.

OptumRx

With the OptumRx mobile app, you have instant, secure access to your personal prescription information and trusted pharmacy resources. Check your prescription history, compare prescription prices and locate nearby pharmacies all from the convenience of your phone.

Quest Diagnostics

The MyQuest for Patients mobile app allows you to conveniently access your health information, request and receive lab results, schedule your next lab appointment or find the nearest Quest Diagnostics Patient Service Center location.

Humana Dental

The MyHumana Mobile app gives you quick access to view your dental plan and coverage details as well as a search feature to help you easily locate an in-network provider in your area.

EyeMed Vision

EyeMed Members gives you access to your benefit information on-the-go. Check your benefit details for eye exams, eyeglass frames, contacts, and lenses directly from your phone.

Find Us On Social Media

@NSU NSUBenstagram Benstagram NSU NSU Benefits and Benefits and Wellness Wellness You You Tube Tube Channel Channel

Call to Action

follow the links below

• ENROLL BY CLICKING HERE!
• USE YOUR FREE PREVENTIVE CARE BENEFITS – stay heathy & identify

emergent health issues early

• JOIN THE RALLY WELLNESS PROGRAM – get active & earn incentives
• CONSULT WITH AN ICUBACARES PHARMACIST - lower your RX cost
• REGISTER FOR TELADOC - before you need a quick medical consultation
• USE THE EAP - six free EAP sessions for you & your household members
• FIND THE BEST PRICE FOR ADVANCED IMAGING - use the BCBS pricing tool
• START YOUR RETIREMENT SAVINGS – secure your future

Florida

NOVB SOUTHEASTERN UNIVERSITY