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