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Open Enrollment for Plan Year - PowerPoint Presentation

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Open Enrollment for Plan Year - PPT Presentation

April 1 2014 March 31 2015 Open Enrollment Period February 17 2014 to February 28 2014 Celebrating 12 Years of Better Benefits Through Collaboration Welcome to the 2014 Open Enrollment Season ID: 147000

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Slide1

Open Enrollment for Plan Year April 1, 2014 - March 31, 2015Open Enrollment Period: February 17, 2014 to February 28, 2014

Celebrating 12 Years of

“Better Benefits Through Collaboration”Slide2

Welcome to the 2014 Open Enrollment Seasonfor the Plan Year

April 1, 2014 – March 31, 2015

2Slide3

CompanyBenefitContact

ID Card?

Health Insurance

www.floridablue.com

800-664-5295

Yes

Prescription Drug Plan

www.mycatamaranRx.com

800-207-2568

Yes

Mental Health,

Substance Abuse/ Employee Assistance Program

www.mhnet.com

877-398-5816

Back of Florida Blue Card

Dental Insurance

www.humanadental.com

800-233-4013 (PPO)

800-979-4760 (DHMO)Yes

Eye Care Plan

www.advanticabenefits.com866-425-2323

Yes

Term Life, AD&D and Short and

Long Term Disability Program and Insurance

Contact Human Resources

No

Flexible Spending Plans:

Health Care Spending AccountDependent Care Spending AccountHealth Reimbursement Account

http://icubabenefits.org866-377-5102

ICUBA Benefits MasterCard®

Member ID Health Cards can be printed online

or stored

to your smart phone!

Brand Partners

3Slide4

Enrollment

in

an ICUBA

Medical

Plan

satisfies the requirement for having

coverage

ICUBA Medical Plans are equivalent to Gold Plans offered on the Public Marketplace Exchanges

ICUBA has lower out-of-pocket costs, broader networks of providers, pre-tax benefits, employer contributions into HRA’s, and more generous FREE wellness benefits.

No pre-existing condition limitations effective April 1,

2014

All other requirements of Health Care Reform are in

place

Health Care Reform

4Slide5

Same Great ICUBA Benefits in 2014Florida Blue™ Medical Plans

Catamaran™ Pharmacy Benefits and Network

MHNet™ Behavioral Health, including Employee Assistance ProgramICUBA Benefits MasterCard™

Advantica Eyecare

Humana Dental Plans

Free

in-network

benefits such as lab tests at

Quest Diagnostics,

immunizations

, and other

preventive/wellness services, including

FREE diabetic supplies

No copay or coinsurance for wellness office visit

Prescribed Aspirin (for adults), and folic acid and generic pre-natal vitamins (for pregnancy) are covered at no cost to you under the prescription drug plan

Florida Blue™ “Know Before You Go” at (888) 476-2227

Blue 365® from Florida Blue™ at

www.floridablue.com

Summary

of Benefits

and Coverage (SBC)

5Slide6

NEW NAME for the PPO Risk/Reward Plan - Preferred PPO PlanFREE tobacco cessation benefit

FREE

office visits at Blue Physician Recognition™ providers

FREE

coverage of ESSURE for women

NEW LOW COPAY

for 90-day retail prescription fill (same 90-day

mail

order)

NEW AND IMPROVED

wellness program

ADDITIONAL ADVANTICA VISION PLAN -

with a 12 month frame option

PRENATAL OFFICE VISIT

- $20

co-pay

added to the Preferred

PPO for initial prenatal office visit - just like the PPO 70. All remaining prenatal office visits

in the same plan year are

FREE. Delivery fees are based upon plan design and subject to applicable deductible, coinsurance

, and co-pays.

6

What’s New?

Enhancements effective 4/1/14Slide7

7

FREE ICUBA Cares™ In-Network Benefits

ICUBA medical plans provide generous wellness benefits beyond those required by law. Each plan year you may receive a

FREE

Annual Physical and/or

FREE

Annual Gynecological Exam. All

of the

following benefits are

always

FREE to Members regardless of your health condition, age, gender or number of times you receive the medically necessary service:

$0 copay for all office visits to Blue Physician Recognition™ provider

$

0 copay for two courses of treatment per plan year for tobacco

cessation

NEW

Lab Tests

Pap Tests

Urinalysis

Colorectal Screenings

Prostate Cancer Screenings

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

Aspirin for adults with a physician prescription

Prescribed generic folic acid and generic pre-natal vitamins for pregnancy

 

Electrocardiograms

Echocardiograms

Mammograms

Colonoscopies and Sigmoidoscopies

Immunizations

Allergy Injections

Bone Mineral Density Tests

 

Employee Assistance Program

for available to all benefit-eligible employees and household members.

 

Call

the

EAP 24-hours a day at

1.877.398.5816

Receive up to six free face-to-face counseling sessions per presenting issue per plan year.

 Slide8

8

Plan Similarities

Plan Differences

Catamaran Prescription Drug Benefit (Same low co-pays for 90-day fill by mail or retail)

All Free ICUBA Cares™ Wellness Benefits

24/7 Health Information Hotline

ER & Urgent Care Benefits

Plan Rules

Free office visits to Blue Physician

Recognition™ providers

Free Tobacco Cessation Benefit

Same $20 copay for initial Maternity Visit

Premiums

Deductibles

Coinsurance

Co-pays (except

maternity visits)

Annual Out-of-Pocket Maximums

HRA Contributions

PPO Plan Comparison Slide9

Blue Physician Recognition™ (BPR): Personal physician (Family Practice, General Medicine, Internal Medicine, and Pediatrics) who coordinates all aspects of patient care and who meets NCQA quality measures and is designated as a participating Blue Physician Recognition™

provider by Florida Blue.

Deductibles: The

cumulative amount that you must pay in the Plan Year before benefits will be paid by the Plan. No

Deductibles for Physician office visits, Therapy office visits, Urgent Care visits, Emergency Room visits and Prescription Drugs

.

Coinsurance:

The

percentage of a covered expense that you pay after the satisfaction of any applicable deductible.

For

example, the plan may pay for 70% of covered services and you pay 30%.

Copays (Co-payments):

The

fixed dollar amount you are required to pay each time a particular service is used. The copay does apply to out-of-pocket but does not reduce amounts applied to the deductible

or co-insurance.

Plan Year:

The plan year runs from April 1, 2014 through March 31, 2015.

Annual Out-of-Pocket Maximum:

The maximum amount of deductible, co-insurance and co-payments during any Plan Year that you pay before the Plan begins to pay 100% of Covered Expenses for the balance of the Plan Year.

Flexible Spending Account

: A

Health Care or Dependent Care Spending account in which you put aside pre-tax dollars to pay for eligible expenses

.

9

Definitions:Slide10

10

2014-2015 Plan YearPPO 70

Blue OptionsPreferred PPO Blue Options

Network

Non Network

Network

Non Network

Deductible Individual/Family

$1,000/$2,500

$1,500/$4,000

$2,000/$4,000

$3,500/$9,750

Coinsurance

30% after deductible

50%

after deductible

20% after

deductible

40% after deductible

Out of Pocket Maximum (includes all medical co-pays, deductibles, and coinsurance)$3,000/$6,000

$6,000/$12,000

$3,500/$7,000$7,000/$14,000

Blue Recognition Office Visits

(includes General Practice, Family Practice, Internal Medicine, and Pediatrics)

$0

N/A$0

N/A

Physicians Office Visit

(includes General Practice, Internal Medicine, Family Practice, Pediatrics, and OB/GYN)$20 co-pay;

no deductible50% after deductible

20%no deductible

40% after deductible

Maternity Office Visits

$20

co-pay per plan year; not subject to deductible

50% after deductible

$20

co-pay per plan year; not subject to deductible

40% after deductible

Side by Side Plan ComparisonSlide11

112014-2015 Plan Year

PPO 70 Blue Options

Preferred PPO Blue Options

Network

Non Network

Network

Non Network

Specialist

Office Visit, including Chiropractors and Therapists

$30 co-pay;

no

deductible

50% after deductible

20%; no

deductible

40% after deductible

Wellness

Exam$0

Not Covered$0

Not Covered

Outpatient Diagnostic Imaging

$100 co-pay and 30% after deductible

50% after deductible

20% after deductible

40% after deductible

Urgent Care

$30 co-pay; no

deductible$30 co-pay; no

deductible20%; no deductible

20%; no deductible

Emergency Room Services$100 co-pay (waived

if admitted)

no deductible

$100 co-pay

(waived

if admitted)

no deductible

$100 co-pay

(waived

if admitted)

no deductible

$100 co-pay

(waived if admitted)

no deductibleHospital Inpatient$250 co-pay, and 30% after deductible

$500 co-pay and 50% after deductible

20% after deductible

40% after deductible

Side by Side Plan ComparisonSlide12

The ICUBA premium increases are 3.6% + 1.2% in new taxes = a total of 4.8%.Rate increases in the Florida market are averaging 9% this year. Preferred PPO and PPO 70 Plan Premiums

Coverage Tier

Total Monthly Premium

NSU Contribution

Employee Contribution

Monthly Premium

Monthly

HRA

Monthly

Premium

Bi-weekly Premium

Preferred PPO Blue Options

Employee

$

511.00

$

429.50

$

50.00

$

81.50

$ 40.75

Employee & Spouse

$

1,022.00

$ 511.00

$

100.00

$

511.00

$ 255.50

Employee & Child(

ren

)

$ 920.00

$

555.50

$

100.00

$

364.50

$ 182.25

Employee & Family

$

1,431.00

$

715.50

$

100.00

$

715.50

$

357.75

Dual Enroll (Husband & Wife Employed by NSU) Family

$ 1,431.00

$

985.50

$

150.00

$

445.50

$

222.75

PPO 70-Blue Options

Employee

$

656.00

$

419.00

$

25.00

$

237.00

$

118.50

Employee & Spouse

$

1,312.00

$

445.50

$

50.00

$

866.50

$

433.25

Employee & Child(

ren

)

$ 1,182.00

$

503.00

$

50.00 $ 679.00 $ 339.50 Employee & Family $ 1,838.00 $ 660.00 $ 50.00 $ 1,178.00 $ 589.00 Dual Enroll (Husband & Wife Employed by NSU) Family $ 1,838.00 $ 922.00 $ 75.00 $ 916.00 $ 458.00

12Slide13

Coverage/Tier

Annual Premium

Out

of

pocket

maximum

(OOP

)

Medical

Out of pocket

maximum

pharmacy

Premium

+

OOP

NSU HRA

contribution

Estimated

in-network

financial

risk

EMPLOYEE

ONLY

PPO

70 Blue Options

$2,844.00

$3,000.00

$2,000.00

$7,844.00

$300.00

$7,544.00

Preferred PPO

Blue

Options

$ 978.00

$3,500.00

$2,000.00

$6,478.00

$600.00

$5,878.00

EMPLOYEE

& SPOUSE

PPO

70 Blue Options

$10,398.00

$6,000.00

$4,000.00

$20,398.00

$ 600.00

$

19,798.00

Preferred PPO

Blue

Options

$

6,132.00

$7,000.00

$4,000.00

$

17,132.00

$1,200.00

$

15,932.00

EMPLOYEE

& CHILD(REN)

PPO

70 Blue Options

$8,148.00

$6,000.00

$4,000.00

$

18,148.00

$ 600.00

$

17,548.00

Preferred PPO

Blue

Options

$

4,374.00

$7,000.00

$4,000.00

$

15,374.00

$1,200.00

$14,174.00

EMPLOYEE

& FAMILY

PPO 70 Blue Options$14,136.00$6,000.00$4,000.00$24,136.00$ 600.00$23,536.00 Preferred PPO Blue Options$8,586.00$7,000.00$4,000.00$19,586.00

$1,200.00

$18,386.00

Making a Choice

Estimating Your Financial RiskSlide14

If you are going in for your wellness visit, make sure you have a discussion with your doctor/office staff to have the visit filed as a wellness claim.If you are using a Blue Physician Recognition™ provider, All

office visits are FREE and your doctor should not collect a co-payment.

All In-Network Maternity office visits are free after the initial office visit

co-payment per plan year. Care Consultants will advocate

on your

behalf.

Remember to enroll with Healthy

Additions.

If you are billed for a facility fee for an office visit or are billed for an annual physical or annual gynecological exam, please advocate on your behalf and contact Florida Blue™ Customer Service at 1 (800) 664-5295 and have the claims properly adjusted.

Always pay your provider based on the Member Health Statements available to you at

www.floridablue.com

as a registered member.

14

Pay Only the Proper Amount of Your Out-of-Pocket ExpensesSlide15

3

How to locate a

Blue Physician Recognition Provider

™:

Go

to Florida Blue at

www.floridablue.com

Click

the Find a Doctor

tab

Select

a Primary/Family Care

Doctor

Check

the box for Blue Physician Recognition™

providers in order to narrow down your search to

National Committee on Quality Assurance (NCQA

) Primary Care Physicians (PCP).

NSU

Primary/Family Care Physicians participate in this program

FREE OFFICE VISITS FOR ALL CARE

15

When you

are using a Blue Physician Recognition

™ provider, all

office visits are

FREE. Your

doctor should not collect a co-payment

.Slide16

A convenient way to verify the cost of an office visit or procedure.

16

CALL:

T

he Care Consultant Team at

1 (888) 476-2227

CLICK:

V

isit

www.floridablue.com

and click on Members, login with your user name and password, then

select compare medical costs

VISIT:

A

Florida Blue Center

Call 1 (877) 352-5830 for a location

near

you

Members have a choice when accessing the tool:Slide17

Mobile Apps17

App Features

Find a doctor, hospital and Map of location (GPS based)

Get your plan details on the go

Access and view an image of your Member ID card.

Fax or email ID Card

Claims Accessibility

Health Coach

24-hour Nurse

Line/Care

Consultants

Health News & Views

Health Check Guidelin

es

.Slide18

Your Catamaran™ pharmacy benefit plan offers three categories or tiers of drugs that determine your cost share or copay.Whenever possible, have your doctor consult your Preferred Medication List for the lowest cost generic or brand medications available for your therapy.You may visit

www.mycatamaranRx.com or call

member services at 1-800-207-2568.

18

Tier

Co-pay

30 day Retail/90 day Retail or Mail Order

Definition

1

st

Tier: Generics

$5/10

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.

2

nd

Tier: Preferred

$27/50

Medications in this tier have been selected by your pharmacy benefit plan as preferred brand drugs. These drugs have higher co-pays than generics but are less costly than non-preferred medications on the third tier.

3

rd

Tier:

Nonpreferred

$60/120

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.

Remember 90 day prescriptions save you money!

Maximum annual plan year out-of-pocket for prescription drug co-pay is $2,000 per individual; $4,000 for family. 90-day prescriptions are available at the same co-pay at retail and mail order.

Pharmacy Benefit:

Understanding Your

Tiered CopaysSlide19

Catamaran Member PortalWeb-enabled access: www.mycatamaranRx.com

19

Free of charge

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.

Catamaran Mobile App:

Refill Rxs from Catamaran Home Delivery

Obtain a list of preferred medications to

maximize savings

Perform test co-pays for Rxs

View prior authorization historySlide20

Catamaran Mobile App Good health is in your hands.

The Catamaran™ Mobile App provides easy, on-the-go access to your personalized health information. Once you receive your pharmacy ID card, download the app to take advantage of the benefits your pharmacy plan offers.

Get the app by searching

for Catamaran

at the Apple App Store or the Google Play Store or scanning the QR code.

With the Mobile App in your pocket:

Never

miss a dose! Set reminders to take your prescription or over-the-counter medications.

Stay on top of medication refills. See when refills are due, get refill reminders and quickly contact your pharmacy.

Show your doctor exactly what medications you are taking.

Pull up your medication history anytime.

Learn about medication side effects and interactions.

Find network pharmacies by zip code or location, then check and compare current prescription prices.

Keep your mind sharp with a Brain Quiz and brain games.

Have one-touch access to your electronic pharmacy ID card.

Order refills from Catamaran Home Delivery.

20Slide21

Catamaran™ Pharmacy BenefitsFree Generic Drugs at NSU PharmacyFull 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

21

For questions and appointments please call: 954.262.4550

Web address:

http://pharmacy.nova.edu/clinic/index.html

Slide22

Free Employee Assistance Program (EAP) services (up to six counseling sessions per issue per plan year) are available to ALL benefit-eligible employees and members of your household. You do not need to be enrolled in any ICUBA benefit plan in order for you or a household member to access EAP services.Client Connect® Provider Matching Service assists members in locating an appropriate provider for their current situation.

The MHNet website has many helpful resources including informative articles; interactive health and wellness instruments; health assessments and videos; family, personal, and mental health information; on-line seminars; discounts to vendors and community resources.

22

To contact MHNet, call 1-877-398-5816.

To access the website, go to www.mhnet.com

Username: ICUBA - Password: 8773985816

MHNet contact information can be located on the

back of the Florida Blue ID card.

Behavioral

Health, Substance Abuse and EAP BenefitsSlide23

Tobacco Cessation Program

23

Member chooses to participate in the Tobacco Cessation program

Member calls to enroll with

“Next Steps” program with

Florida Blue

Member calls “

Next Steps” Health Coach

and obtains an Rx from physician

* NEW

Florida Blue notifies Catamaran of Member participation

Member obtains Tobacco Cessation medications at

$0 co-pay,

2 cycles per

Plan Year

Free Prescription MedicationsSlide24

24Free over-the-counter nicotine replacement therapy (NRT) and face-to-face support

THE IQUIT TOBACCO PROGRAM PROVIDED BY

FLORIDA AHEC NETWORK

To locate/register for an

IQuit

Tobacco Program in your area call

877-848-6696 (1-87-Quit Now-6

) or visit www.ahectobacco.com/calendar Slide25

Introducing

Beginning

April 1,

2014, you will have the opportunity to earn points redeemable for a host of wellness, entertainment, food, apparel, jewelry, and other consumer goods by meeting a variety of self-selected health goals.

You may earn points if you:

Complete the Florida Blue biometric screening at your employer health fair

Complete your annual physical with your personal physician

Utilize a Florida Blue online health tool

Attend an employer sponsored

wellness

event

The choice is yours on how you earn points and select prizes.

Watch for more information coming from your Wellness Committee soon!

Wellness program

25Slide26

HRA and HCSA Differences26

Health Reimbursement Account

Health Care Spending Account

Funded by NSU

Funded by employee pre-tax dollars

Available for PPO 70 and Preferred

PPO Plan

Can be used for employee and eligible dependent medical expenses

Funds rollover at the end of each plan year indefinitely

No carry-over of funds from year

to year (by law)

Use-it-or-lose-it

Portable after 36 months of continuous participation

HCSA funds expended before tapping into HRA funds

Can have HRA alone with no FSA

Can have HCSA and no HRA

HCSA allowable amounts limited to $2,500 under Health Care ReformSlide27

Dependent Care Spending AccountFunded by employee with pre-tax contributions and used to pay for qualified dependent care expenses.

Maximum annual

limit of $5,000.

Dependents: dependent under age 13, physically or mentally challenged adults who are unable to care for themselves

.

Funds available by using the ICUBA Benefits MasterCard

®

.

File your claims online at

http://

icubabenefits.org.

Subject to use-it-or-lose-it rule

.

Funds are available as they are deducted from payroll.

27Slide28

Humana Dental Plans are exactly the same and the prices are not changing from last year.28Dental & Vision

Advantica

Vision Plans

the current plan benefits and costs remain the same as last year.

A second plan with

an enhanced frame benefit has been added.Slide29

29

High

Option PPO Plan

In-Network

Out-of-Network

Plan

Year Deductible – Single / Family

$50 / $150

$50

/ $150

Deductible

Waived for Preventive

Yes

Yes

Plan Year Maximum (excludes orthodontia services)

$2,000

$2,000Preventive Services

0%

20%

Basic Services

20%

50%

Major Services

50%

70%

Orthodontia – Adult & Child

50%

50%

Orthodontia Lifetime Maximum

$2,000

$2,000

Two additional preventive cleanings for a total of four cleanings per year.

Two periodontal cleanings per year to be covered at preventive levels of benefits.

Coverage for composite fillings on all teeth.

Addition of an Extended Annual Maximum Benefit paying 30% coinsurance after the annual maximum benefit is met.

High Option PPO Dental Plan

2013-2014 Monthly Dental Rates

Employee

$ 36.68

Employee + 1

$ 73.04

Family

$122.84

High Option PPO Dental Plan

Refer to your Dental Summary Plan Description (SPD) for full benefit description

.

The NSU Faculty Dental Practice participates in this plan.Slide30

* Services include amalgam/resin restorations

and simple extractions.

** Receive

a discount on these services if you

see participating

dentists.

30

Low Option “Preventive

Plus” Plan

Low Option “Preventive Plus” Plan

Low

Option PPO Plan

In-Network

Out-of-Network

Plan

Year Deductible – Single / Family

$50 / $150

$50

/ $150

Deductible

Waived for Preventive

Yes

Yes

Plan Year Maximum (excludes

orthodontia services)

$1,000

$1,000

Preventive Services

0%

0%

*Basic Services

20%

20%

**Major

Services

Discount

Not Covered

Low Option “Preventive Plus” Plan

2014-2015 Monthly Dental Rates

Employee

$19.48

Employee + 1

$45.28

Family

$74.96

**Major Services are not covered under this plan, however you can receive a discount for services if you see participating dentists.

Refer to your Dental Summary Plan Description (SPD) for full benefit description

.

The NSU Faculty Dental Practice participates in this plan.Slide31

DMO CS250 Plan

DMO CS250 Plan

In-Network Only

Calendar Year Deductible

No

deductible

Out of Pocket

Maximum

No

maximum

Office Visit

Copays (during normal business hours)

$5 copay per visit

Preventive Services

Please refer to dental

schedule for copay amounts

Basic Services

Please refer to dental

schedule for copay amounts

Major

Services

Please refer to dental

schedule for copay amounts

Orthodontics – Adult & Child

$2,000 Adult;

$1,800 Child fixed copay

Refer to your dental SPD for full benefit description

Refer to your Dental Summary Plan Description (SPD) for full benefit description

.

The NSU Faculty Dental Practice

DOES NOT

participate in this plan.

DMO CS250 Dental Plan

DMO CS250 Dental Plan

2014-2015 Monthly Dental Rates

Employee

$10.98

Employee + 1

$22.02

Family

$34.20

31Slide32

April 1, 2014 – March 31, 2015 Monthly Base Vision Plan PremiumsEmployee$ 3.98

Family

$10.18

The NSU Eye Care Institute participates

in this plan

In-Network

Out-of-Network

Vision Exam

$5 Co-Pay

Up to $40 Reimbursement (less applicable Co-Pay)

Standard Frames

$15 Co-Pay; $100 allowance

Reimbursed up to $40 (no Co-pay if included with eyeglass lenses)

Single Vision, Bifocal, Trifocal, and Lenticular Lenses

Covered After $15 Co-Pay

Up to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-Pay

Standard Progressive Lens

$50 Co-Pay

Up to $45 reimbursement less Co-pay

Single Vision (SV) Polycarbonate

Included with Lens Co-Pay up to age 19; over age 19, $30 Co-Pay

Up to $10 reimbursement less Co-pay under age 19

UV Coating Lens

$12 Co-Pay

Up to $5 reimbursement less Co-pay

Contact Lenses - Medically Necessary (in lieu of eyeglasses and elective contact lenses)

$15 Co-pay; $250 materials allowance; $30 fitting fee allowance

Up to $250 reimbursement (less applicable Co-pay)

Contact Lenses – Elective (in lieu of eyeglasses)

$15 Co-pay; $100 materials allowance; $30 fitting fee allowance

Up to $60 reimbursement (less applicable Co-pay)

Frequency Limitations - Vision Exams

Once every 12 months

Frequency Limitations - Eyeglass Lenses

Once every 12 months

Frequency Limitations - Frames

Once every

24

months

Frequency Limitations - Contact Lenses

Once every 12 months

Advantica

Base Vision Plan

32Slide33

In-Network

Out-of-Network

Vision Exam

$5 Co-Pay

Up to $40 Reimbursement (less applicable Co-Pay)

Standard Frames

$15 Co-Pay; $100 allowance

Reimbursed up to $40 (no Co-pay if included with eyeglass lenses)

Single Vision, Bifocal, Trifocal, and Lenticular Lenses

Covered After $15 Co-Pay

Up to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-Pay

Standard Progressive Lens

$50 Co-Pay

Up to $45 reimbursement less Co-pay

Single Vision (SV) Polycarbonate

Included with Lens Co-Pay up to age 19; over age 19, $30 Co-Pay

Up to $10 reimbursement less Co-pay under age 19

UV Coating Lens

$12 Co-Pay

Up to $5 reimbursement less Co-pay

Contact Lenses - Medically Necessary

(in lieu of eyeglasses and elective contact lenses)

$15 Co-pay; $250 materials allowance; $30 fitting fee allowance

Up to $250 reimbursement (less applicable Co-pay)

Contact Lenses – Elective (in lieu of eyeglasses)

$15 Co-pay; $100 materials allowance; $30 fitting fee allowance

Up to $60 reimbursement (less applicable Co-pay)

Frequency Limitations - Vision Exams

Once every 12 months

Frequency Limitations - Eyeglass Lenses

Once every 12 months

Frequency Limitations - Frames

Once every

12

months

Frequency Limitations - Contact Lenses

Once every 12 months

April 1,

2014

– March 31, 2015 Monthly Buy Up Vision Plan Premiums

Employee

$ 4.78

($9.60 in additional annual premium for frames once every 12 months)

Family

$12.22

($24.48 in additional annual premium for frames every 12 months)

The NSU Eye Care Institute participates in this plan

33

Advantica

Buy-Up Vision PlanSlide34

Member Action PlanYour elections are effective 4/1/2014 and will remain in effect until 3/31/2015 unless you experience a qualified status change.You do not have to make changes to any plan other than your Flexible Spending Account(s

).You are allowed to enroll any

eligible dependent during this open enrollment. To assist you with your Plan Year elections, you can access the Predictive Modeling Tool by clicking on the link labeled

“View Detailed Plan Comparison” on the Medical Election Page

.

34

Then, select the tab

“Personalized Cost Estimator”

To enroll, logon to

http://icubabenefits.org

and select

You must complete your enrollment

by midnight on February 28, 2014Slide35

To access your MHNet Behavioral Health account online, click the image.To access your Humana Dental account online, please click the image.For information or claims associated with your Blue Cross Blue Shield account, please click on the image.

For information associated with your Advantica Eye care Vision account, please click on the image.

To view your Catamaran account online click on the image.

For information on your FSA or HRA please click on the image.

Access Links to Individual Benefit Providers on the ICUBA Benefits Portal

35

ICUBA Benefits MasterCard

™Slide36

Sun Life Optional Term Life InsuranceEnroll now or increase your coverage levelElect coverage amount between $10,000 and $200,000 in $10,000 incrementsYour application will be subject to Evidence of Insurability (EOI), access this form through

www.sunlife-usa.net/eoi

Sun Life will notify you when your application is approved, denied or pending additional informationFirst monthly premium deduction will occur in the first pay of the month following the approval of your coverage

If you do not send an EOI to Sun Life by 4/30/2014 your enrollment request will expire

The value of the policy reduces to 65% at age 65, and 50% at age 70

36Slide37

formerly PrePaid Legal

“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

www.LegalShield.com/info/novaseuniv

View additional information on benefits webpage

www.LegalForNova.com

 

Aflac

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.

37Slide38

We are available to discuss plan details and problem solve with members after the presentation.38