WELCOME SHARKS! LETS TALK ABOUT OPEN ENROLLMENT Open Enrollment - - PowerPoint PPT Presentation

WELCOME SHARKS! LET’S TALK ABOUT OPEN ENROLLMENT

Open Enrollment

February 10, 2020 through February 21, 2020 Open Enrollment web page available at https://www.nova.edu/hr/benefits/Open%20Enrollment%202020.html

Benefits Fair

February 18, 2020 10 am to 3 pm 3424 University Park Plaza

Here’s a Shark Bite of our review today………

What’s New for April 2020! Same Great Benefits Continue…

• Low increase to Medical Premium
• Single Sign-On to the ICUBA Portal through

Sharklink

• New ICUBA Group Aflac Benefits

➢ Critical Illness ➢ Hospital Indemnity ➢ Accident

• New Voluntary Life Insurance

➢ Guarantee Issue up to $300,000 during Open Enrollment only

• Rally program enhancements
• Phone number & email confirmation for PRIZE!
• ICUBA creates the best access to care

➢ ICUBA Single Sign-On to all vendors ➢ Surgery Plus ➢ Teladoc ➢ ICUBAcares Pharmacist Advocates ➢ Health Management resources ➢ BCBS mobile app and tools ➢ Employee Assistance Program

• BCBS Medical Plans
• Optum Prescription Plan
• Aetna Behavioral Health
• Humana Dental Plans
• EyeMed Vision Plans
• Pet Assure with PetPlus

Single Sign-On through Sharklink

NSU offers 3 medical insurance plans through ICUBA administered by BlueCross BlueShield. Each medical insurance plan includes Prescription Pharmacy benefits from OptumRx & Behavioral Health coverage from Aetna.

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 $97.00 $50 +Spouse $598 $100 +Child(ren) $219 $100 +Family $615 $100 +Dual Enrolled $313 $150

Medical Premium

Married employees who cover themselves & eligible dependent children may combine the Employee Only tier and the Employee plus Child(ren) tier by electing into the Dual Enrolled tier. Dual Enrolled NSU families aggregate the entire family to determine deductibles and out-of-pocket expense maximums, eliminating the additional cost of these expenses that would be incurred with an Employee Only & Family election.

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

No Cost Benefits No Deductible Benefits Deductible Major Services Only

• Blue Distinction Total Care Physician

Visits

• In-network annual wellness exams
• Medically necessary preventive

services

• Medically necessary labs performed

at Quest Diagnostics

• Bone mineral density tests
• Colonoscopies
• EAP services for ALL employees
• ICUBAcares pharmacy assistance
• Immunizations
• Mammograms & ultrasound of the

breast

• SurgeryPlus non-emergent

surgeries

• Primary care physician office visits
• Maternity visits
• Specialist physician office visits
• Prescription drugs
• Advanced imaging (MRI, CT, PET)
• Occupational, physical and speech

therapy

• Chiropractic services
• Teladoc
• Convenient care clinic
• Urgent care
• Emergency transportation
• Emergency room
• Outpatient mental health/substance

abuse

• Durable medical equipment
• Hearing aids
• Home health care
• Hospital delivery expenses for

maternity

• Hospital expenses
• Hospital or out-patient surgery

(unless through SurgeryPlus)

• In-patient mental health/substance

abuse treatments

• Inpatient rehabilitation
• Outpatient facility charges
• Private duty nursing
• Prosthetic appliances
• Skilled nursing rehab
• TMJ
• Ultrasound (except breast)
• X-ray

Medical Plan - Eliminating Barriers to Care

Use your HRA funds to offset out-of- pocket healthcare expenses!

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

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• 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 Teledoc

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

Aetna provides the behavioral health benefits available through your medical insurance coverage

Medical Plan - No Deductible Behavioral Health Benefits

Dial 877-398-5816 Press 2 - 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

Free EAP Aetna Resources for Living

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Emotional

Speak with a licensed clinician regarding life events to obtain an

• bjective expert point
• f view over the phone,

televideo or in the

• ffice.

6 sessions per issue per year for each member

• f your household.

Life

Obtain referrals for services needed by you

• r your dependents

and save you time. Access to retail, entertainment, travel and fitness discounts.

Legal

Gain expert council regarding a wide array

• f legal needs.

Access online legal documents. Request ID theft prevention and resolution support.

Financial

Consult with a financial specialist regarding budgeting, retirement planning, college planning, taxes and much more.

1-877-398-5816

Option 1: Employee Assistance Program

Free & Confidential

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

Gap insurance is an optional plan that acts as a supplement to your medical insurance. It can

• ffset medical expenses incurred when hospitalized or before you meet your deductible and
• ut-of-pocket maximum

In order to enroll in Gap insurance at NSU, you must be simultaneously covered under a medical insurance plan at NSU. Gap insurance plans have the same tiers as the NSU medical insurance plans - employee only, employee plus child(ren), employee plus spouse, and family.

Gap Insurance Monthly Premium

Premier & Preferred Gap $2,500 Benefit $4,000/$8,000 Gap $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

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

New! Voluntary Life Insurance

VOLUNTARY LIFE INSURANCE COVERAGE AMOUNT

Coverage Options Purchase in Increments of $10,000 Maximum Coverage Amount $500,000 Minimum Coverage Amount $10,000 Guaranteed Life Coverage Amount $300,000 Dependent Spouse Life $30,000 Dependent Child(ren) Life $10,000

New! Voluntary Life Insurance

SPECIAL OFFER DURING THIS YEAR’S OPEN ENROLLMENT ONLY

Great news for Sharks who want voluntary life insurance but don’t have it! Elect up to $300,000 of life insurance coverage and Lincoln Financial Group will guarantee and issue your election no medical underwriting no evidence of insurability no medical questions

• Guarantee applies to both new elections and to coverage increases
• If you want more coverage, elect more, up to $500,000
• Coverage amounts exceeding $300,000 require simplified medical underwriting (evidence of insurability)
• Secure link into the Lincoln Portal from the ICUBA Benefits Portal keeps it simple

DIVE IN AND TAKE ADVANTAGE OF THIS ONE-TIME OPPORTUNITY!

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 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 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

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Group Aflac Plans Accident

Humana DHMO - Preventive Plus PPO - High Coverage PPO Preventive Plus - basic & preventive services DHMO & High Coverage PPO - basic, major, preventive Eyemed - Base Plan – Enhanced Plan prescription glasses and contact lenses available * Base Plan - new frames every 24 months Enhanced Plan - new frames every 12 months.

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

* Vision insurance is for routine visits to an optometrist and provides coverage for glasses and contact lenses. The health of your eyes is 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

Customer Service: www.eyemed.com or call 866-804-0982

ICUBA is on the INSIGHT Network!

DHMO PPO

The DHMO CS250 only available in Florida

• Florida provider must be preselected when enrolling
• No deductible or plan year maximum
• Services are reimbursed based on the DHMO schedule

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 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

Annual Dependent Verification

Affirmation Required

An eligible dependent is:

• Your legally recognized spouse
• Your natural child, stepchild, or legally adopted child
• A child required to be covered pursuant to a Qualified Medical Child Support Order
• A child with proof of legal guardianship who resides with you
• A foster child

A dependent child retains coverage through the end of the calendar year in which he/she turn 26. A disabled child may be remain eligible for coverage after attaining age 26; contact the Benefits Staff to learn more.

Dependents that are “not eligible” on the ICUBA plan should be removed during Open Enrollment (coverage will terminate March 31, 2020)

• Changes made during Open Enrollment are irrevocable for the benefit

plan year (which begins April 1, 2020 and ends March 31, 2021). Section 125 of the Internal Revenue Code provides a limited exception to this rule when a qualified life event occurs.

• The 1095 tax form will be available in your Employee File at

ICUBAbenefits.org. Please keep this form with your completed tax return for IRS auditing purposes

• Review and update your life insurance beneficiary information while you

are in the portal. When designating a beneficiary under the age of 18, you may want to contact an estate planner and establish a proxy or a trust.

• Review your retirement savings account investments and schedule an

appointment with an investment advisor, take the right steps toward retirement readiness.

Benefit Reminders

ICUBA Sweepstakes

Login to the ICUBA Portal and update or confirm your personal phone number and personal email address for a chance to win!

• 1. Login at http:/

/icubabenefits.org

• 2. Update your personal phone and email information
• 3. You are AUTO-MAGICALLY entered to win!

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

No computer? No Problem!

With the MyHealthToolkit 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! OptumRx mobile 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. Rally Health 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! MyQuest™ 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. Resources for Living allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being. Bswift Benefits app gives you instant, secure access to your personal benefits information. gain easy access to Insurance Partner contact information and use the “go to your benefits site” feature to access ICUBAbenefits.org! CompanyID: ICUBABENEFITS MyStrength allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being. 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 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.