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Open Enrollment for Plan Year April 1, 2014 - March 31, 2015 Open Enrollment Period: February 17, 2014 to February 28, 2014 Celebrating 12 Years of “Better.

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Presentation on theme: "Open Enrollment for Plan Year April 1, 2014 - March 31, 2015 Open Enrollment Period: February 17, 2014 to February 28, 2014 Celebrating 12 Years of “Better."— Presentation transcript:

1 Open Enrollment for Plan Year April 1, 2014 - March 31, 2015 Open Enrollment Period: February 17, 2014 to February 28, 2014 Celebrating 12 Years of “Better Benefits Through Collaboration”

2 Welcome to the 2014 Open Enrollment Season for the Plan Year April 1, 2014 – March 31, 2015 2

3 CompanyBenefitContactID 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.com 866-425-2323 Yes Term Life, AD&D and Short and Long Term Disability Program and Insurance Contact Human Resources No Flexible Spending Plans: Health Care Spending Account Dependent Care Spending Account Health Reimbursement Account http://icubabenefits.org 866-377-5102 ICUBA Benefits MasterCard® Member ID Health Cards can be printed online or stored to your smart phone! Brand Partners 3

4  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 4

5 Same Great ICUBA Benefits in 2014  Florida Blue™ Medical Plans  Catamaran™ Pharmacy Benefits and Network  MHNet™ Behavioral Health, including Employee Assistance Program  ICUBA 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.comwww.floridablue.com  Summary of Benefits and Coverage (SBC) 5

6  NEW NAME for the PPO Risk/Reward Plan - Preferred PPO Plan  FREE 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 4/1/14

7 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.

8 8 Plan SimilaritiesPlan 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

9  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:

10 10 2014-2015 Plan YearPPO 70 Blue OptionsPreferred PPO Blue Options NetworkNon NetworkNetworkNon 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) $0N/A$0N/A Physicians Office Visit (includes General Practice, Internal Medicine, Family Practice, Pediatrics, and OB/GYN) $20 co-pay; no deductible 50% 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 Comparison

11 11 2014-2015 Plan YearPPO 70 Blue OptionsPreferred PPO Blue Options NetworkNon NetworkNetworkNon Network Specialist Office Visit, including Chiropractors and Therapists $30 co-pay; no deductible 50% after deductible20%; no deductible40% after deductible Wellness Exam$0Not Covered$0Not Covered Outpatient Diagnostic Imaging $100 co-pay and 30% after deductible 50% after deductible20% after deductible40% after deductible Urgent Care $30 co-pay; no deductible $30 co-pay; 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 deductible Hospital Inpatient $250 co-pay, and 30% after deductible $500 co-pay and 50% after deductible 20% after deductible40% after deductible Side by Side Plan Comparison

12 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 ContributionEmployee 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 12

13 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 Risk

14 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 Expenses

15 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.

16 A convenient way to verify the cost of an office visit or procedure. 16 CALL: The Care Consultant Team at 1 (888) 476-2227 CLICK: Visit 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:

17 Mobile Apps 17 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.

18  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 Copays

19 Catamaran Member Portal Web-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 history

20 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. 20

21 Catamaran™ Pharmacy Benefits Free Generic Drugs at NSU Pharmacy Full 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.htmlhttp://pharmacy.nova.edu/clinic/index.html

22  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 Benefits

23 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 Medications

24 24 Free 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

25 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 25

26 HRA and HCSA Differences 26 Health Reimbursement AccountHealth 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 Reform

27 Dependent Care Spending Account Funded 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. 27

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

29 29 High Option PPO PlanIn-NetworkOut-of-Network Plan Year Deductible – Single / Family$50 / $150 Deductible Waived for PreventiveYes Plan Year Maximum (excludes orthodontia services) $2,000 Preventive Services0%20% Basic Services20%50% Major Services50%70% Orthodontia – Adult & Child50% Orthodontia Lifetime Maximum$2,000  Two additional preventive cleanings for a total of four cleanings per year.  Two periodontal cleanings per year to be covered at preventive levels of benefits.  Coverage for composite fillings on all teeth.  Addition of an Extended Annual Maximum Benefit paying 30% coinsurance after the annual maximum benefit is met.  Two additional preventive cleanings for a total of four cleanings per year.  Two periodontal cleanings per year to be covered at preventive levels of benefits.  Coverage for composite fillings on all teeth.  Addition of an Extended Annual Maximum Benefit paying 30% coinsurance after the annual maximum benefit is met. High Option PPO Dental Plan 2013-2014 Monthly Dental Rates Employee$ 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.

30 * Services include amalgam/resin restorations and simple extractions. ** Receive a discount on these services if you see participating dentists. * 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 PPO PlanIn-NetworkOut-of-Network Plan Year Deductible – Single / Family$50 / $150 Deductible Waived for PreventiveYes Plan Year Maximum (excludes orthodontia services) $1,000 Preventive Services0% *Basic Services20% **Major ServicesDiscountNot 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.

31 DMO CS250 Plan In-Network Only Calendar Year DeductibleNo deductible Out of Pocket MaximumNo maximum Office Visit Copays (during normal business hours) $5 copay per visit Preventive ServicesPlease refer to dental schedule for copay amounts Basic ServicesPlease refer to dental schedule for copay amounts Major ServicesPlease 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 2014-2015 Monthly Dental Rates Employee$10.98 Employee + 1$22.02 Family$34.20 31

32 April 1, 2014 – March 31, 2015 Monthly Base Vision Plan Premiums Employee$ 3.98 Family$10.18 The NSU Eye Care Institute participates in this plan In-NetworkOut-of-Network Vision Exam$5 Co-PayUp to $40 Reimbursement (less applicable Co-Pay) Standard Frames$15 Co-Pay; $100 allowanceReimbursed up to $40 (no Co-pay if included with eyeglass lenses) Single Vision, Bifocal, Trifocal, and Lenticular Lenses Covered After $15 Co-PayUp to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-Pay Standard Progressive Lens$50 Co-PayUp to $45 reimbursement less Co-pay Single Vision (SV) PolycarbonateIncluded 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-PayUp 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 ExamsOnce every 12 months Frequency Limitations - Eyeglass LensesOnce every 12 months Frequency Limitations - FramesOnce every 24 months Frequency Limitations - Contact LensesOnce every 12 months Advantica Base Vision Plan 32

33 In-Network Out-of-Network Vision Exam$5 Co-PayUp to $40 Reimbursement (less applicable Co-Pay) Standard Frames$15 Co-Pay; $100 allowanceReimbursed up to $40 (no Co-pay if included with eyeglass lenses) Single Vision, Bifocal, Trifocal, and Lenticular Lenses Covered After $15 Co-PayUp to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-Pay Standard Progressive Lens$50 Co-PayUp to $45 reimbursement less Co-pay Single Vision (SV) PolycarbonateIncluded 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-PayUp 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 Plan

34 Member Action Plan Your 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 selecthttp://icubabenefits.org You must complete your enrollment by midnight on February 28, 2014

35 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™

36 Sun Life Optional Term Life Insurance Enroll now or increase your coverage level Elect coverage amount between $10,000 and $200,000 in $10,000 increments Your application will be subject to Evidence of Insurability (EOI), access this form through www.sunlife-usa.net/eoiwww.sunlife-usa.net/eoi Sun Life will notify you when your application is approved, denied or pending additional information First 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 36

37 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 www.LegalShield.com/info/novaseuniv  View additional information on benefits webpage www.LegalForNova.com 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. 37

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


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