More information is available - PowerPoint Presentation

1. More information is available online at www.nova.edu/hr/benefits. For questions or login assistance email HR4U@nova.edu or call 954-262-HR4U (4748)Benefits & WellnessFor New Employees

2. Medical & Prescription Plans at NSU

3. Common Insurance Terms 

4. Shark Tip!In-Network Benefit Summary ComparisonPremier CopayPPO PlanPreferred PPO PlanDeductible (Individual/Family)$2,000/$4,000$2,000/$4,000Coinsurance20%20%Out-of-Pocket Maximum (Individual/Family)$3,500/$7,000$3,500/$7,000Physician Office Visits$25 Copay20%Specialist Office Visits$50 Copay20%Urgent Care Center$50 Copay$30 Copay Outpatient Therapy - PT, ST and OT$30 Copay20% Emergency Room Services$300 Copay $300 CopayHospital Inpatient20% after deductible20% after deductibleMedically Necessary Diagnostic Labs at Quest0% - Quest0% - QuestMental Health & Substance Abuse Inpatient20% after deductible20% after deductibleMental Health & Substance Abuse Outpatient$25 Copay20%Monthly Premium for the ICUBA Medical PlansYou Pay*NSU/HRAYou Pay*NSU/HRAEmployee Only$228$25$93$50+ Spouse$887$50$640$100+ Child(ren)$654$50$411$100+ Family$1,133$50$826$100*Dual Enrolled$883$75$505$150$4,000/$8,000 Deductible Plan$4,000/$8,00030%$5,350/$10,700$35 Copay$70 Copay$70 Copay$40 Copay$500 Copay 30% after deductible0% - Quest30% after deductible$35 CopayYou Pay*NSU/HRA$88$50$633$100$234$100$658$100$337$150All medical plans available at NSU through ICUBA are PPO Plans from BlueCross BlueShield. *The NSU/HRA Amount are contributed by NSU each month, starting with your 2nd month of enrollment. HRA dollars can be used for eligible healthcare expenses for you and family members covered under an NSU/ICUBA Medical Plan. Medical Plan Highlights  

5. Keep your benefit summary with you when you visit a health care provider!Services Covered at NO additional COST to YOU!Blue Distinction Total Care primary care Physician Visits are always FREEMedically necessary routine labs at Quest Diagnostics are always FREEAnnual Wellness exams are always FREEFREE Nurse Case Management from BlueCross BlueShieldFREE access to the ICUBAcares Pharmacy Benefit AdvocateCare Coordinators are available 24 hours a day by calling the Essential Advocate at 888-521-2583NO DEDUCTIBLE applied to the Following Services!NO DEDUCTIBLE applies to prescription copaysNO DEDUCTIBLE for in-network primary care & specialist visitsNO DEDUCTIBLE for PT/OT, & chiropractic servicesNO DEDUCTIBLE for Urgent Care visitsNO DEDUCTIBLE for ER visits or Emergency Transportation (copay applies)ICUBAcares benefits apply to ALL of the ICUBA plans available to NSU employees. ALL medical plans are PPO plans administered by BlueCross BlueShield. ICUBAcares Benefits 

6. Lab TestsPap TestsUrinalysisColorectal ScreeningsProstate Cancer ScreeningsPlease note: Lab tests performed at an in-network physicians office and not sent to Quest Diagnostics may be subject to coinsurance (deductible does not apply beginning 04/01/18).ElectrocardiogramsEchocardiogramsMammogramsColonoscopies and SigmoidoscopiesImmunizationsAllergy InjectionsBone Mineral Density TestsUltrasounds of the BreastPrimary Care BDTC VisitsOur Employee Assistance Program is available to all members of your householdReceive up to 6 FREE face-to-face counseling sessions per plan yearCall the Resources for Living EAP 24-hours a day at 1-877-398-5816Prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution, needles, and syringesPrescribed Aspirin for adultsPrescribed generic folic acid and generic prenatal vitamins for pregnancy Prescribed generic statins (if eligible)Benefits without Barriers 

7. Keep your benefit summary with you when you visit a health care provider!Telemedicine through Teladoc!Available 24/7 for a $5 COPAYSingle Sign-On available through the ICUBA Enrollment Portal, establish account online at www.Teladoc.com firstWhen registering for Teladoc use the Company Code: ICUBACustomer Service is available by calling 1-800-TELADOCThe ICUBAcares Pharmacist AdvocateReal Pharmacists, Real Advocates, Real Solutions FREE Prescription Check-upNavigating Prescription Tiers, Prior Authorizations, Step Therapy, & Quantity LimitsCall the ICUBAcares Pharmacist Advocate at 877-286-3967Urgent Care or Emergency Room?You can save money on your medical expenses by visiting an in-network Urgent Care Center if you are able.You pay a COPAY for ER visits, ER copay is waived if you are admitted to the hospitalIn-network Urgent Care Centers are covered at a different rate for each plan:Premier PPO - $50 copayPreferred PPO - $30 copay$4,000/$8,000 PPO - $70 copayClick on “BCBS MyHealthToolKit Portal” link under My Carrier Accounts at http://icubabenefits.org to check in-network providers in your area.Contact Essential Advocate at 888-521-2583 for assistance or help finding an in-network provider in your areaKnowing is Half the Battle 

8. Prescription Pharmacy Benefit Copays are the SAME for ALL ICUBA MEDICAL PLANS30-day90-day Retail90-day MailPreferred Generics at NSU Pharmacy$0 $0N/APreferred Generics at Retail Pharmacy$5 $10$10Non-Preferred Generics $10 $20$20Preferred Brand$40 $80$80Non-Preferred Brand$75 $150$150*Specialty Medication (fulfilled through Briova)$75 N/AN/APrescription Pharmacy Benefits are included with your medical plan and administered by OptumRx. ICUBA has a dedicated customer service team, the OptumRx Health Care Advisors are available 24/7 by calling 855-811-2213. You also have FREE access to the ICUBAcares Pharmacist, your Pharmacy Benefit Advocate. The ICUBAcares Pharmacist can help navigate the copay tiers, assist with prior authorizations, and help you determine if lower cost alternatives are available. Call 877-286-3967 to speak with an ICUBAcares Pharmacist today. Prescription Pharmacy  

9. Behavioral Health & Substance Abuse Coverage is attached to your medical election at NSU but administered by Aetna. When searching for an in-network provider be sure to contact Aetna and not BlueCross BlueShield. Aetna also provides EAP services to all NSU employees regardless of participation in a medical plan. You can access both services by calling one number! Call 877-398-5816, for EAP press 1 after the prompt, for Behavioral Health press 2 after the prompt. Behavioral Health Benefits

10. HRA (FROM NSU)Health Reimbursement AccountsHCFSAHealth Care Flexible Spending AccountDCFSADependent Care Flexible Spending Account Funded by NSU and provided when you enroll in an ICUBA Medical PlanAll employees eligible for medical insurance at NSU can enroll in Flexible Spending regardless of their participation in the medical plan. No deductions – NSU contributes for youDeducted pre-tax over 24 pay periodsDeducted pre-tax over 24 pay periodsAvailable each month when depositedAvailable for immediate useAvailable for use each pay periodCan be used for medical expenses for members enrolled in a medical planCan be used for medical expensesfor you & eligible dependentsCan be used for the care ofdependents under the age of 13If you elect an HCFSA the Flex funds are used BEFORE the HRA fundsIf enrolled in an NSU medical plan:HCFSA funds are used before HRACovered expenses include:Day Care, After Care, Gap Camps Portable after 36 monthsHCFSA maximum annual limit is $2,650DCFSA maximum household limit is $5,000Funds Rollover Every YearUse-it-or-lose-it, no annual carry overExamples of how to use HRA:FOR ELIGIBLE MEDICAL EXPENSES - Health Care & Rx Co-pays - Dental & Vision Care - Durable Medical EquipmentExamples of how to use HCFSA:FOR ELIGIBLE MEDICAL EXPENSES - Health Care & Rx Co-pays - Dental & Vision Care - Durable Medical EquipmentExamples for how to use DCFSA:NOT FOR MEDICAL EXPENSES - Pre-school payments - After Care payments - Gap camp (summer camp)FLEXIBLE SPENDING ACCOUNT ELECTIONS ARE REQUIRED ANNUALLY!If you do no elect flexible spending during open enrollment, you will not have the benefit on April 1, 2018. Enroll in flexible spending in the ICUBA Enrollment Portal online at http://icubabenefits.org. Flex Spending and HRA

11. Medical Insurance Benefits are administered by BlueCross BlueShield. When electing a medical insurance plan, prescription coverage, behavioral health coverage, and the ICUBA MasterCard accompany your medical insurance election and are administered separately!Prescription Pharmacy Benefits are administered by OptumRx. OptumRx Health Care Advisors are available 24/7 by calling 855-811-2213. You also have FREE access to the ICUBAcares Pharmacist by calling 877-286-3967.Behavioral Health & Substance Abuse coverage is administered by Aetna. You can call Aetna to verify coverage and find in-network providers by calling 877-398-5816 and pressing 2 after the prompt. The ICUBA MasterCard accompanies your medical election and is one way you will access your HRA from NSU as well as your Flexible Spending Account Elections (HCFSA & DCFSA). For customer service contact an ICUBA Benefits Administrator at 866-377-5102.Keep Track of Your Cards!

12. Employee Well-Being Programs at NSU

13. Employee Well-Being 2017 Overview 97Wellness EventsCAMPUS WIDE4,328NSU Sharks at Wellness Events$300,000IN RALLY DOLLARS EARNED BY NSU SHARKS 2,924NSU SharksUsing Rally&MORE THAN

14. NSU has a dedicated Employee Wellness Program Administrator providing educational opportunities and programs centered around Employee Health and Wellness.Wellness Programs are available throughout the year at various campus locations and online, some sessions count as “onsite events” and allow ICUBA health care participants to earn incentives for attending.Wellness Programs are made available to all employees at NSU regardless of enrollment in health care coverage.Employee Wellness incentives are integrated with health care claims, available incentives are credited once claims are processed by BlueCross BlueShield and Rally. Additional incentives are available for attending on-site events online or at a campus location.For more information visit the Wellness page online at http://www.nova.edu/hr/wellness/index.html Employee Well-Being 

15. The annual NSU Employee Health and Wellness Fair is coming to you on Wednesday, October 24, from 10:00 am to 2:00 pm on the Main Court of the Don Taft University Center!Get informed, be inspired, and empower yourself to achieve your physical and emotional best in your personal and professional life. Connect with NSU colleagues who can help move your pursuit of wellness forwardBe bold - get a flu shotEat and be healthy - enjoy a portion controlled lunchWin awesome door prizes - like the 32 GB iPad mini or cardio cycle machineAnnual Health & Wellness Fair Don’t forget to bring your Shark Card!

16. Dental & Vision Plans at NSU

17.  EyeMed Base PlanEyeMed Buy Up PlanVision ExamsOnce every 12 monthsOnce every 12 monthsEyeglass LensesOnce every 12 monthsOnce every 12 monthsFramesOnce every 24 months$100 allowance20% off balance over $130Once every 12 months$130 allowance20% off balance over $130Contact Lenses Once every 12 monthsOnce every 12 months In-Network BenefitVision Exam$5 $5 Single Vision Lenses$15 $15 Bifocal Lenses$15 $15 Trifocal & Lenticular Lenses$15 $15 Standard Progressive Lens$65 $65 Conventional Contact Lenses(in lieu of eyeglasses)$0 Copay; $100 allowance;15% off balance$0 Copay; $130 allowance; 15% off balanceDisposable Contact Lenses(in lieu of eyeglasses)$0 Copay; $100 allowance; plus balance$0 Copay; $130 allowance; plus balance Monthly PremiumEmployee Only Coverage$3.91$4.83Family Coverage$10.02$12.36EyeMed makes it easy for you to buy glasses and contact lenses online if you are not able to visit an optical dispensary. Visit www.ContactsDirect.com or www.Glasses.com to use your in-network benefits on a large variety of glasses and contact lenses. You can even virtually “try on’ your frames and have contact lenses delivered to your door!For customer service, visit www.eyemed.com or call 866-804-0982. ICUBA is on the INSIGHT Network!* Please refer to EyeMed Plan Summary for more detailed information and out of network optionsEyeMed Vision Plans

18.  Dental HMO (CS250)Preventive PPOHigh Coverage PPOPlan Year MaximumNo Maximum$1,000.00 $2,000.00 Covered ProvidersNetwork Providers Only(provider selection required at enrollment)Plan pays In & Out of NetworkPlan pays In & Out of NetworkPlan Year DeductibleNot Applicable$50 Individual $150 Family (first 3 members)$50 Individual$150 Family (first 3 members) CS250 Network OnlyIn and Out Of NetworkIn NetworkOut Of-NetworkPreventive ServicesPreset Copay100%100%80%Basic ServicesPreset Copay80% after deductible80% after deductible50% after deductibleMajor ServicesPreset CopayProvider Discounts Available50% after deductible30% after deductibleAdult OrthodontiaPreset CopayProvider Discounts Available50% after deductiblePediatric OrthodontiaPreset CopayProvider Discounts Available50% after deductibleLifetime Orthodontia Maximum$1,800.00Not Applicable$2,000.00  Monthly PremiumMonthly PremiumMonthly PremiumEmployee Only$11.72 $19.48 $39.77 + one Dependent$23.50 $45.28 $79.21 + Family$36.50 $74.96 $133.21 The DHMO CS250 is only available in the state of Florida. Florida provider must be preselected when enrollingNo deductible or plan year maximumServices are reimbursed based on the DHMO scheduleDHMOPPOHumana Dental Plans

19. Personal Insurance at NSU

20. Get the “AFLACTS” and lower your BILLS!Aflac Hospital Advantage pays cash benefits directly to you to help with out-of-pocket expenses.Copays and deductiblesTransportation & Ambulance CostsEmergency Room and Doctor VisitsMedical & Diagnostic ImagingRehabilitation Facilities----------------------------------------------------------------------Contact Nova Southeastern University’s Independent Aflac Representative, Joe Evans for more information!Phone: 954-560-6000Email: evansfin@bellsouth.net 49%Did you know?of employees have less than $1,000 on hand to pay out-of-pocket medical expenses?Aflac can help you manage medical costs!Offset your DeDUCKtible!

21. LegalShield and IDShield 

22. Life Insurance Options at NSU

23. Group Term Life InsuranceFrom Reliance StandardAge banded rates in increments of $10,000Age reduced coverage65-69 policy reduces to 65%70+ policy reduces to 50%Maximum coverage is $300,000Coverage available for spouse/domestic partner and childrenGroup Whole Life InsuranceFrom MassMutualFully portable Whole Life Insurance PolicyGrows cash value over timeNew elections require a call to the MassMutual enrollment center at 877-205-8202Optional Term & Whole Life 

24. Retirement Savings Options at NSU

25. Employees who are eligible, working 19.2 hours or more per week and have attained age 21, can contribute to the 401(k) Retirement Savings Plan at Nova Southeastern University on the first of the month following their date of hireEmployees who meet the criteria for non-matched contributions and have completed one year of service at Nova Southeastern University are eligible for matched contributions in the 401(k) Retirement Savings Plan at Nova Southeastern University. Eligible employees can enroll on the first of the month following their one-year employment anniversary.For more information about Retirement Savings at NSU visit the Retirement page online:http://www.nova.edu/hr/benefits/retirement-plans.html How to access the Retirement Manager Enrollment Portal to make or change elections:http://www.nova.edu/hr/benefits/forms/Retirement%20Manager%20Quick%20Reference.pdf An interactive Brainshark presented by TIAA is available online: https://www.brainshark.com/tiaa-cref_direct/NovaSoutheasternUniversity Need personalized assistance planning for retirement? TIAA and Valic provide individual counselling sessions for employees at no additional cost! Make an appointment with an advisor today by visiting http://www.nova.edu/hr/benefits/retirement-plans.html Eligibility to Contribute 

26. 2%TOTAL RETIREMENT SAVINGS(vested after 3 years)If you contribute 0% after 1 year…1% in The Matching Plan  

27. 5%TOTAL RETIREMENT SAVINGS(vested after 3 years)(vested immediately)(vested after 3 years)(vested immediately)2% in The Matching Plan  If you contribute 1% after 1 year…

28. 8%TOTAL RETIREMENT SAVINGS(vested after 3 years)(vested immediately)(vested after 3 years)(vested immediately)3% in The Matching Plan  If you contribute 2% after 1 year…

29. 11%TOTAL RETIREMENT SAVINGS(vested after 3 years)(vested immediately)(vested after 3 years)(vested immediately)3% in The Matching Plan  If you contribute 3% after 1 year…

30. 14%TOTAL RETIREMENT SAVINGS(vested after 3 years)(vested immediately)(vested after 3 years)(vested immediately)4% in The Matching Plan  If you contribute 4% after 1 year…

31. Benefits Included with Employment at NSU

32. The following benefits are provided by NSU at no cost to eligible employees who work 19.2 hours or more per week and complete 90 days of employment with NSU.Short Term Disability (STD) is a self-funded program (not an insurance product) designed to provide short term payments to eligible employees under the terms and conditions of the Program in accordance with NSU policy. The program is administered by NSU and administered by the university’s designated leave administrator.Long Term Disability (LTD) is a Group benefit purchased for eligible employees designed to provide LTD payments to eligible participants who become totally disabled under the terms and conditions of the Program. LTD is administered by Reliance Standard.Basic Life and AD&D Insurance are provide at no additional cost & are the equivalent of an employees annual base salary (does not include overtime or overloads).Tuition waivers – vary by degree program or centerDiscount Program - AbenityIt is important to have updated and accurate beneficiary information on file. Beneficiary Information should include legal name and current contact information for your beneficiaries.Benefits Included 

33. Where to Enroll for Benefits at NSU

34. All elections for medical, dental, vision, flexible spending, optional life, and LegalShield are required in the ICUBA Enrollment Portal online at http://icubabenefits.org. Aflac elections are interest only and each policy is individually underwritten. Selecting Aflac in the Enrollment Portal does not confirm your enrollment in the benefit. If you have questions while enrolling for  ASK EMMA! 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.The ICUBA Enrollment Portal *If you need login assistance call 954-262-HR4U (4748)

35.