WELCOME SHARKS! LETS TALK ABOUT BENEFITS NSU Belongs to the ICUBA - - PowerPoint PPT Presentation

WELCOME SHARKS! LET’S TALK ABOUT BENEFITS

• 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

Visit the Benefits Website

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

How do I enroll in Benefits? -Sharklink

http://icubabenefits.org

medical – den ta l –vis ion flexible spen din g accou n ts gap in su ran ce – pet assu re

• ption al life -legal sh ield

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.

Login to the ICUBA Portal

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.

In-Network Benefit Summary Comparison Preferred PPO Premier Copay PPO $4,000/$8,000 Ded PPO Deductible (Individual/Family) $2,500/$5,000 $2,500/$5,000 $4,000/$8,000 Coinsurance 20% 20% 30% Out-of-Pocket Maximum (Individual/Family- medical copays, deductibles & coinsurance) $4,000/$8,000 $4,000/$8,000 $5,350/$10,700 Physician Office Visits 20% $25 Copay $35 Copay Specialist Office Visits 20% $50 Copay $70 Copay Urgent Care Center $30 Copay $50 Copay $70 Copay Outpatient Therapy - PT, ST and OT 20% $30 Copay $40 Copay Emergency Room Services (Copay waived if admitted) $300 Copay $300 Copay $500 Copay Durable Medical Equipment and Prosthetic Appliances 20% AD* 20% AD* 30% ALD** Hospital Inpatient 20% AD* 20% AD* 30% AD* Independent Clinical Labs (free standing facilities and office visits) 0% - Quest 20% - Outpatient Setting 0% - Quest 20% - Outpatient Setting 0% - Quest 30% - Outpatient Setting Mental Health & Substance Abuse Inpatient Outpatient 20% AD* 20% 20% AD* $25 Copay 30% AD* $35 Copay Blue Distinction Total Care PCP $0 Teladoc (1-800-Teladoc) $5 Copay Convenient Care Clinics $10 Copay Preventive Care 0% Outpatient Diagnostic Imaging (MRI, MRA, CAT Scan, PET Scan) Up to $500 Copay Ambulance $250 Copay

Medical Plan Highlights In-Network Benefits

* After Deductible ** After Limited Deductible: $2,000 of the $4,000 Individual Deductible

Premier PPO Monthly Premium

Coverage Election Tier Monthly Premium HRA from NSU Employee Only $257 $50 + Spouse $1,000 $100 + Child(ren) $738 $100 + Family $1,278 $100 + Dual Enrolled $996 $150

Preferred PPO Monthly Premium

Coverage Election Tier Monthly Premium HRA from NSU Employee Only $102 $50 + Spouse $702 $100 + Child(ren) $450 $100 + Family $889 $100 + Dual Enrolled $554 $150 $4K/$8K PPO Monthly Premium Coverage Election Tier Monthly Premium HRA from NSU Employee Only $97 $50 + Spouse $598 $100 + Child(ren) $219 $100 + Family $615 $100 + Dual Enrolled $313 $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 –BEFORE 03/31/2020

• Should this happen, the missed premium will be collected

retroactively

Do I get no-cost services with any of the NSU plans?

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)

Surgeon Quality Financial Incentive You have access to the elite S+ Surgeons of Excellence Network. The surgeons are:  Licensed  Board certified  Fellowship trained  Screened for malpractice, sanctions & criminal records Your DEDUCTIBLE and COINSURANCE are WAIVED, so your procedure is at NO COST to you; and travel benefits are INCLUDED, if applicable. Call your Care Advocate for more information (855) 200 – 2119 Covered Surgical Procedures Full-Service Concierge

• Knee
• Hip
• Shoulder
• Foot & Ankle
• Wrist & Elbow
• Spine
• General Surgery
• Gastroenterology
• GYN
• Bariatric
• Cardiac
• ENT

You have access to a dedicated care advocate throughout your healthcare journey

Medical Plan - No Cost SurgeryPlus

13

• Sinus problems
• Pink eye
• Bronchitis
• Allergies
• Flu
• Cough

TOP DIAGNOSES PRESCRIPTIONS AS NEEDED

• No controlled substances, psychiatric or

lifestyle drugs

• Member convenience through e-prescribing
• Appropriate prescribing following CDC

guidelines

This benefit is meant to supplement an

• ngoing relationship

with a PCP and be used as an alternative to Urgent

• Care. Please make

sure you share your Teladoc records with your PCP!

• Ear infection
• Urinary tract

infection

• Upper respiratory

infection

• Nasal congestion

Restrictions apply - number of annual consults and severity of condition for consultation – available nationwide, excluding Arkansas.

• Take a doctor with you - 1-800-TELADOC
• Single Sign-On through MyHealthToolkit!
• Telemedicine and Video Consultations available anytime – when your

doctor is unavailable, when you have no time for an appointment, when you are on vacation, when your child is away at college!

• Members must establish an account prior to seeking treatment; Company:

ICUBA

• Teladoc physicians are a national group of NCQA qualified physicians,

contracted with Teladoc.

Medical Plan - No Deductible Teladoc

Co-Pay Tier

30-day Co-Pay (Retail Only) 90-Day saves $$$! (Retail & Mail) Preferred Generics at NSU Pharmacy $0 $0

(available on-site only, no mail

• rder)

Preferred Generics $5 $10 Non-Preferred Generics $10 $20 Preferred Brands $40 $80 Non-Preferred Brands $75 $150 Specialty (BriovaRx)* $75 N/A Prescription Drug FREEBIES!

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, and prescribed generic statins (if eligible).

RX Out-of-Pocket Maximum

In-network Rx copays will be applied toward an individual maximum out-of-pocket of $2,000 and $4,000 for family.

Medical Plan - No Deductible Pharmacy Benefit

• Do you have side effects from a new medication?
• Do you need help obtaining a prior authorization?
• Do you need help understanding the step-therapy

requirement?

• Do you want to save money by switching to a generic?

These are all great reasons to call

ICUBAcares Rally Incentive: If you are a candidate for a qualified medication change, the ICUBAcares team will assist with your transition to a medication less costly to the plan and reward once complete. Call for a prescription check-up to find out more!

Free Pharmacist Advocate Program

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

How can I protect my savings when I am subject to my plan deductible?

Health Reimbursement Account Contributions funded monthly by NSU 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 Funded by employees who are eligible for medical insurance at NSU (a medical insurance election is not required to enroll in flex spending) 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 – 4/1/2020 Available each pay period when deposited 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

Increased Annual Limit $2,750

IRS annual household limit: $5,000 Funds Rollover Every Year Use-it-or-lose-it, no annual carry over The HRA is for Medical Expenses

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

HCFSA is for Medical Expenses

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

DCFSA is NOT for Medical Expenses

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

Flexible Spending Account Election must be made every year – so don’t forget!

Flexible Spending Elections Required

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

Optional Gap Insurance

• 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: $33.71 Employee Only: $43.02 + Spouse: $68.81 + Spouse: $87.78 + Child(ren): $58.97 + Child(ren): $75.26 + Family: $86.08 + Family: $109.84

Optional Gap Insurance

ICUBA is pleased to add Group Aflac as our newest Brand Partner! New Group Plans:

• Critical Illness
• Hospital Indemnity (Low & High)
• Accident
• Group Plans will provide better benefits

at a lower cost

• Plans offered on a guaranteed issue basis,

no medical questions will be asked

• Individual plans no longer be offered

through payroll deductions

• You can keep your plan, direct billing

information from Aflac mailed to participant homes

NEW! Group Plans

Group Aflac Plans Critical Illness

• Cancer (Invasive, Non-Invasive, and Skin)
• Heart Attack
• Sudden Cardiac Arrest
• Kidney Failure and many more….
• Pays a lump sum cash benefit to you
• Pays in addition to other insurance

coverage

• Guaranteed Issue

 Up to $30,000 coverage for Employee  Up to $15,000 coverage for Spouse

• If you don’t use the benefit, a $50 Annual

Health Screening Benefit still applies!

Coverage Includes Features

You experience chest pains and numbness in the left arm Aflac Group Critical Illness coverage is selected A Physician determines that you have suffered a heart attack You visit the Emergency Room Aflac Group Critical Illness pays an initial Diagnosis Benefits of $10,000

High Lo Low Admission $1,000 $500 Confinement $100 $100 Intensive Care $100 $100 High Low Admission $1,000 $500 Confinement (3 days) $300 $300 Total Payment to You! $1,300 $800

Example for Pregnancy/Delivery Two Levels Offered

Coverage Includes Features

Hospital admission or confinement due to an accident or illness

• No medical questions asked
• Pays a lump sum cash benefit to

you

• Pays in addition to other insurance

coverage

• May take coverage with you if

change jobs or retire

Group Aflac Plans Hospital

Example Benefits Coverage Includes

• Ambulance rides
• Emergency room visits
• Fractures
• Burns
• Concussion

If you don’t need the benefit, a $50 Annual Health Screening Benefit still applies! Category ry Benefit ER/Urgent Care $175 Ambulance $400 Concussion $500 Second Degree Burns $75 - $750 Third Degree Burns $750 - $15K Lacerations $50 - $400 Fracture $240 - $6K Dismemberment $125 - $10K

25

Group Aflac Plans Accident

• 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

High Option PPO Preventive Low DHMO Prepaid CS250 Plan Year Maximum $2,000 $1,000 Unlimited Providers In-Network and Out-of-Network Providers In-Network and Out-

• f-Network Providers

Network Provider assignment required *IN FLORIDA ONLY Deductible $50 Individual/$150 Family $50 Individual/ $150 Family N/A Benefit/Service Member Pays In Network Member Pays Out of Network Member Pays In & Out of Network Patient Pays Assigned Network Provider Preventive Services 0% 20% 0% You pay a pre-set copay based on the schedule of benefits Basic Services 20% AD 50% AD 20% AD Major Services 50% AD 70% AD Not covered; Discount Available for In-Network Only, subject to provider discretion Orthodontia - Adult and/or Child 50% Up to 19 years: $1,800 19 years +: $2,000 Orthodontia Lifetime Maximum for each member $2,000 N/A No maximum

Frequency Limitations

Base Plan Buy Up Plan

Examination Once every 12 months Once every 12 months Frame

Once every 24 months Once every 12 months

Lenses or Contact Lenses Once every 12 months Once every 12 months Vision Care Services* “In-Network Member Cost” “In-Network Member Cost” Exam With Dilation as Necessary $5 Copay $5 Copay Frames $0 Copay; $100 allowance; 20% off balance over $100 $0 Copay; $130 allowance; 20% off balance over $130 Standard Plastic Lenses Single Vision, Bifocal, Trifocal $15 Copay $15 Copay Standard Progressive Lens $65 Copay $65 Copay Conventional Contacts $0 Copay; $100 allowance; 15% off balance $0 Copay; $130 allowance; 15% off balance Disposable Contacts $0 Copay; $100 allowance; plus balance $0 Copay; $130 allowance; plus balance

Optional LegalShield & IDShield

HAVE YOU EVER……

 Needed your Will prepared or updated?  Received a moving traffic violation?  Had concerns regarding child support?  Worried about being a victim of Identity Theft?  Been pursued by a collection agency? Monthly Premium Individual Family LegalShield $15.95 $15.95 IDShield $8.45 $15.95 Combined $24.40 $28.90

Optional Group Term Life

• Guarantee Issue – up to maximum coverage amount of $300,000
• No Medical Questions – no underwriting
• 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 Pet Assure with Pet Plus Rx

Give your pets the care they deserve at a price you can afford!  Discounts on all in-house medical services – no deductible – no exclusions – no waiting period  Pet Plus provides access to reduced cost prescription medication with the free shipping or pick up at more than 5,000 pharmacies  Coverage is available for single and multiple pet households Pet Assure with Pet Plus Rx Single Pet Household $11.75 / month Multiple Pet Household $18.50 / month

Save On:

 Office Visits  Vaccinations  Dental Procedures  Emergency Visits  Prescriptions  Flea and Tick Products  Dietary Foods  Heartworm Preventatives Includes a 24/7 Line powered by whiskerDocs veterinary experts! For a list of participating veterinarians, go to https://www.petbenefits.com/search

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

Activity Incentives Rally Survey Gatekeeper + 400 Coins & ICUBA Private Sweepstakes

Wellness Exams $60 Biometric Screenings $40 Onsite/Campus Events $10 each (up to $70) Preventive Exams: PSA/ Colonoscopy/ Mammogram $50 (rewarded for first claim processed)

ICUBAcares Qualified Medication Change $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 $270

FUN “feel good” FACT…

ICUBA members donated more than

4 MILLION

coins to charity last year!

NEW! Rally Reward Enhancements

No more public finger pricks and blood draws! Beginning April 1, ICUBA members can earn a wellness incentive for a biometric screening ($40) AND an annual wellness exam ($60) when consulting your physician privately! 1. Members log into My.QuestForHealth.com. 2. Download the Physician’s Results Form. The form identifies you (and your spouse

• r

partner who are also eligible for the Rally incentives) by a unique bar code. 3. Visit your physician and complete your annual wellness exam – this must include your blood work.

• 4. Have your physician complete & sign the form.

5. Have your physician’s office fax the form to Quest or take a copy of the completed & signed form and upload it yourself into the Quest Portal (this method is recommended).

• 6. Earn $100 for your wellness exam & biometric

screening!

New! Rally Wellness Screening using a Physician Results Form

More Benefits Provided By NSU

EMPLOYEE DISCOUNT PROGRAM

Whether you're a seasoned investor or a retirement savings rookie, NSU has you covered with access to best-in-class retirement savings

• ptions

from

TIAA and VALIC, and industry leading financial advice through our partnership with TIAA, VALIC 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

• r more per week, you can contribute to the NSU 401(k) Plan on a non-matched basis
• n 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

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

Employee contribution is 0% + NSU basic contribution of 2% + NSU Safe Harbor Match of 0% + NSU additional match of 0% = Total NSU contribution 2% TOTAL RETIREMENT SAVINGS

(vested after 3 years)

If you contribute 0% after 1 year…

Retirement Savings

Employee contribution is 4% + NSU basic contribution of NSU Safe Harbor Match of NSU additional match of Total NSU contribution

14%

TOTAL RETIREMENT SAVINGS

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

If you contribute 4% after 1 year…

Retirement Savings

Retirement Savings

Visit the Benefits YouTube channel to learn more about contribution percentages:

https://www.youtube.com/watch?v=SSAwrUEku6o&feature=youtu.be

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

Your benefit in information is is availa lable at your fin ingertips – mobile le apps are available for iO iOS and Android

No computer? No Problem!

With the MyHe yHealthToolkit app you can use your digital medical ID card from your phone and smart wallet feature, check the status of your claims, view benefits and what’s covered by your medical plan and find local providers quickly! Op OptumRx mob

• bile ap

app gives you instant, secure access to your personal prescription information and trusted pharmacy resources. Check your prescription history, compare prescription prices and locate nearby pharmacies. Ra Rally He Health ap app gives you direct access to ICUBA’s interactive wellbeing program, Blue Rewards powered by Rally Health. Download this app and sync it with your favorite fitness device to start earning dollars and coins today! Hint: Register in City Challenges for Private Sweepstakes entry! MyQ yQuest™ 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. Re Resources for for Liv Living allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being. Bsw swift Ben enef efits ap app gives you instant, secure access to your personal benefits

• information. gain easy access to

Insurance Partner contact information and use the “go go to to you your ben enef efits sit site” feature to access ICUBAbenefits.org! CompanyID: ICUBABENEFITS MyS yStrength allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being. MyH yHumana 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. EyeM eMed Mem embers 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

@NSUBenstagram NSU Benefits and Wellness YouTube Channel

Call to Action

• ENROLL – Via Sharklink
• 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
• START YOUR RETIREMENT SAVINGS – secure your future