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Plan Year April 1, 2014 - March 31, 2015 New Employee Benefit Orientation.

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Presentation on theme: "Plan Year April 1, 2014 - March 31, 2015 New Employee Benefit Orientation."— Presentation transcript:

1 Plan Year April 1, March 31, 2015 New Employee Benefit Orientation

2 Meeting Overview  Introduction to ICUBA  Eligibility  Online Enrollment  Wellness/Preventative Benefits  Employee Assistance Program  Medical Insurance  Pharmacy Benefits  Flexible Spending Accounts and Health Reimbursement Accounts  ICUBA Benefits Card TM  Dental and Vision Plans  Life Insurance  Optional Life Insurance  Short Term Disability  Long Term Disability  Emergency Travel Benefit  Identity Theft Protection  Retirement Plans  Voluntary benefits and Legal Plan

3 ICUBA Schools 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 Eligibility  Employees working at least 19.2 hours per week are eligible to elect dental and vision coverage  Employees working 28 hours or more per week are eligible for *retirement match, and to elect medical, dental, Vision coverage, and can establish a flexible spending account  Premiums are charged from your date of hire or date of eligibility  If you do not enroll during this period you may enroll during the next annual enrollment or if you experience a qualifying status change  You have thirty days (30) from your date of hire or date of eligibility to make your benefit elections *Employee must be classified as full-time to be eligible for the retirement matching plan

6 How to Enroll To enroll, login to the benefits enrollment portal at  The enrollment portal is available 24 hours a day  First time user instructions can be found in the “Benefits Information” box on the Benefits web page  If you need assistance, please contact the Office of Human Resources by at or by calling  HR Representatives are available Monday – Friday, 8:30am to 5:00pm

7 NSU / ICUBA HEALTH AND WELLNESS BENEFITS

8 NSU / ICUBA Health and Wellness Benefits Member Cards *Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNet The toll free phone number and website can be found on back of Florida Blue ID card. Humana Dental PlanAdvantica Eyecare Plan Catamaran Prescription Drug Plan ICUBA Cares MasterCard™ Florida Blue Medical Insurance

9  The ICUBA Cares ™ programs are offered by ICUBA plans with our provider partners  The programs promote early treatment with the goal to prevent disease and incidences of critical care  These plans can also save you and the plan money - that helps keep premium costs lower for everyone ICUBA Cares™

10 NSU WELLNESS SERVICES The NSU Pharmacy provides free health screenings monthly call or log in to NSU Center for Psychological Studies Guided Self Change Programs can help you Lose Weight, Stop Smoking, Stop Gambling, and Stop Procrastinating! Call , fees based on a sliding scale NSU Employee Sick Call Clinic open every morning from 8:15 am until 11:00 am, walk in or call , health plan billed for services Your NSU Primary/Family Care / Internal Medicine and Pediatric Physicians are participating providers in the Blue Physician Recognition Provider; therefore you will receive 100% coverage for services received from your NSU BPR physician. Call the NSU Health Care Centers at to schedule an appointment

11 3 How to locate a Blue Physician Recognition Provider ™ :  Go to Florida Blue at  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 and Pediatric physicians participate in this program FREE OFFICE VISITS FOR ALL CARE 11 When you are using a Blue Physician Recognition™ provider, all office visits are FREE. Your doctor should not collect a co-payment.

12 12 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  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 Receive up to six free face-to- face counseling sessions per presenting issue per plan year.

13 Tobacco Cessation Program 13 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

14 14 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 (1-87-Quit Now-6) or visit

15 BlueCross BlueShield Health Dialog®  HEALTH DIALOG® supports members and their covered dependents by providing information to help members better understand their medical condition and their treatment options  Health coaches are available 24 hours a day, 7 days a week to provide you and your family with medical information. You can speak with the same coach each time you call Use BCBS Nurse Case Managers to coordinate services when you need:  To receive intravenous medications or wound care at home  To find nursing services  To coordinate complicated medical treatment plans  To plan your surgical discharge and follow up treatment BlueCross BlueShield Care Coordination Monday - Thursday 8AM – 6PM Fridays 9AM – 6PM TTY

16 BLUE CROSS BLUE SHIELD - BLUE365 ® Discount Program Access Blue365® 1) Visit Log onto MyBlueService Discounts & Rewards Discounts 2)Visit 3)Offers change frequently BCBS national member discount program delivering health and wellness tools, services, information and discounts to help members make healthy changes.  fitness clubs  exercise equipment  nutrition and weight management programs  massages  vitamins

17 COMMONLY USED TERMS (1)  Contracted Rate or Allowed Amount: The discounted rate that an in-network provider has agreed to accept for services rendered. The contracted rate is subject to deductibles and coinsurance whenever applicable  Member Health Statement (MHS): Comprehensive monthly statement of claim activity in last 28 days, explanation of benefits (EOB) paid sent by insurance companies to enrollees. MHS provides necessary information about claim payment information and patient responsibility amounts, deductible and out-of-pocket accumulation, and tips to live healthier  Preauthorization: An authorization that must be obtained from carrier prior to inpatient medical procedures only. (This is not the same as referral – PPO’s do not require referral)

18 Member Health Statement 18

19 Saving Tips – Use Your Plan Wisely Pay Only the Contracted Amount of Your Out-of-Pocket Expenses! Recently, hospital systems have been purchasing office practices and billing insurance for outpatient hospital visits instead of an office visit If billed for a “facility fee” for an office visit OR billed for an annual physical/annual gynecological exam, please advocate on your behalf and contact Florida Blue™ Customer Service at and have the claims properly adjusted For wellness visits, make sure you have a discussion with your doctor/office staff to have the visit filed as a wellness claim Review Member Health Statements available to you at and pay your provider based on the information indicated on the statement 19

20 COMMONLY USED TERMS (2)  Co-pay: A flat fee charged to an insured employee as specified by the plan. A Co-pay accumulates towards the out-of-pocket maximum, but not the deductible  Co-insurance: The employee portion of the health expense for services such as, but not limited to, facility/hospital charges, laboratory charges, physician services (surgery, anesthesia, radiology, pathology, etc.). Co-insurance DOES accumulate toward out-of-pocket maximum  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.  Flexible Spending Account: A Health Care or Dependent Care Spending account in which you put aside pre-tax dollars to pay for eligible expenses.  Plan Year: April 1, 2014 through March 31, 2015  Plan Year Out-of-Pocket Maximum: The maximum amount of deductible and coinsurance during any Plan Year that you pay before the Plan begins to pay 100% of Covered Expenses for the balance of the Plan Year

21 , 21 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 One Network-Blue Options [Network Blue] Making a Choice

22 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

23 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 $ $ $ $ $ Employee & Spouse $ 1, $ $ $ $ Employee & Child(ren) $ $ $ $ $ Employee & Family $ 1, $ $ $ $ Dual Enroll (Husband & Wife Employed by NSU) Family $ 1, $ $ $ $ PPO 70-Blue Options Employee $ $ $ $ $ Employee & Spouse $ 1, $ $ $ $ Employee & Child(ren) $ 1, $ $ $ $ Employee & Family $ 1, $ $ $ 1, $ Dual Enroll (Husband & Wife Employed by NSU) Family $ 1, $ $ $ $

24 MAKING A CHOICE Calculate Your Maximum Financial Risk Annual Premium +Out of Pocket Maximum +Co-pays (you estimate these) - HRA Contributions =Total Financial Risk Select carefully, if your election is too costly it is not possible to change election during the new Plan Year.

25 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, Preferred PPO Blue Options $ $3,500.00$2,000.00$6,478.00$600.00$5, EMPLOYEE & SPOUSE PPO 70 Blue Options$10,398.00$6,000.00$4,000.00$20,398.00$ $19, Preferred PPO Blue Options $6,132.00$7,000.00$4,000.00$17,132.00$1,200.00$15, EMPLOYEE & CHILD(REN) PPO 70 Blue Options$8,148.00$6,000.00$4,000.00$18,148.00$ $17, Preferred PPO Blue Options $4,374.00$7,000.00$4,000.00$15,374.00$1,200.00$14, EMPLOYEE & FAMILY PPO 70 Blue Options$14,136.00$6,000.00$4,000.00$24,136.00$ $23, Preferred PPO Blue Options $8,586.00$7,000.00$4,000.00$19,586.00$1,200.00$18, Making a Choice Estimating Your Financial Risk

26 MAKING A CHOICE (1) Personalized Cost Estimator

27 Personalized Cost Estimator (2) Fill in Estimated Usage Numbers

28 Personalized Cost Estimator (3) See Total Estimated Annual Costs All Plans This value estimates what your annual cost would be based on the values you entered on the table. This total is ONLY an estimate used to help you in the decision-making process. These costs are not guaranteed and are only based on the assumptions you provided.

29 Did you know? $20.3 Million Annual NSU Contribution Tier Tier Annual Amount Paid by NSU Premium HRA HRA Total Annual Contribution PPO 70 Employee$5,028.00$300.00$5, PPO 70 Employee / Spouse $5,346.00$600.00$5, PPO 70 Employee / Child(ren) $6,036.00$600.00$6, PPO 70 Family$7,920.00$600.00$8, Preferred PPO Employee $5,154.00$600.00$5, Preferred PPO Employee / Spouse$6,132.00$1,200.00$6, Preferred PPO Employee / Child(ren) $6,666.00$1,200.00$7, Preferred PPO Family $8,586.00$1,200.00$9,  NSU will contribute approximately 20.3 million dollars to employee healthcare coverage costs in the plan year!  Annual premium for plan year: $18,093,  Annual HRA for plan year: $2,140,  Total NSU Contributions plan year: $20,233,854.12

30 MHNet MENTAL HEALTH BENEFITS EMPLOYEE ASSISTANCE PROGRAM

31  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. 31  To contact MHNet, call  To access the website, go to Username: ICUBA - Password:  MHNet contact information can be located on the back of the Florida Blue ID card. Behavioral Health, Substance Abuse and EAP Benefits

32 MHNet Provider Search

33 33 CATAMARAN CATAMARAN Pharmacy Benefit Plan

34  Pick up prescriptions at any one of the 62,000 retail pharmacies in the Walgreens network  Advantage90™ Network of 39,000 retail pharmacies nationwide can dispense a 90 day prescription in store, you can reduce your co-payments by using this program  Order a 90 day supply through the Catamaran Rx Mail Order Program by phone or on-line. Or 90 at retail. This is the least expensive way to obtain your prescriptions!  You are not required to use a Walgreens pharmacy and the NSU Pharmacy is in the network CATAMARAN Pharmacy Benefit Plan 24/7 customer service for members  Same pharmacy benefits for both plans  No deductible required only co-payments  Out of pocket maximum is $2,000 per individual and $4,000 per family  There is a separate ID card for pharmacy benefits  The NSU Pharmacy is in the network, and they will help you transfer your prescriptions from other pharmacies NSU Pharmacy provides ALL generic drugs at a zero ($0) co-pay

35  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 or call member services at 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

36 MyCatamaran members can: Create an online account to access Rx information Check drug coverage and cost Check eligibility Search and download, plan drug list Locate a nearby pharmacy Review prescription history and refill information Print a temporary ID card CATAMARAN

37 CATAMARAN

38 Catamaran™ Pharmacy Benefits Mobile App Catamaran Member Portal:  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 Catamaran Mobile App:  Free of charge (Check data usage with service provider)  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 38 Note: Must register for an account on Catamaran Member Portal prior to accessing member information on the mobile app

39 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. 39

40 NSU CLINIC 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 For questions and appointments please call: Web address:

41 HEALTH CARE & DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS HEALTH REIMBURSEMENT ACCOUNTS

42 Health Reimbursement Account & Flexible Spending Account Flexible Spending Account  Voluntary, funded by employee pre-tax dollars – Maximum $2,500  Available for medical and dependent care expenses  No carry-over of funds from year to year (by law)  Use-it-or-lose-it  Incur expenses through June 15th, and file by June 30th  FSA funds used before HRA funds Health Reimbursement Account  Funded by the University  Comes with all medical plans  Funds rollover at the end of each plan year indefinitely  Can have HRA alone with no FSA  Portable after 36 months of continuous HRA participation  No cash distribution Over the counter (OTC) medication cannot be purchased without a prescription from a physician.

43 Dependent Care Flexible Spending Account Funded by employee with pre-tax contributions Pay for qualified dependent care expenses, such as day-care or after-school care – NOT MEDICAL EXPENSES Maximum annual limit of $5,000 – per family Eligible dependents under age 13, physically or mentally challenged adult children who are unable to care for themselves Funded each pay date, and available using the ICUBA Benefits MasterCard® Subject to use-it-or-lose-it rule Incur expenses through June 15 th, file claims by June 30 th File your claims online at 43

44 DENTAL / VISION / OPTIONAL BENEFITS

45 Members should choose a Primary Care Dentist at the time of new hire/rehire enrollment. Make your provider selection through or contact Humana Customer Service for assistance locating a provider. Visit to elect or change your primary care dentist.http://icubabenefits.org – Click on the “Start Here: Change My Benefits” button. – Select “Basic Info”, then click “Change my Primary Care Dentist” – Enter the effective date of change, then the dentist ID Changes to your dentist election must be submitted by the 1 st of the month to ensure you and your dependent’s name appear on the dentist’s roster on the first of the following month. Dentist elections can only be changed by the member by calling HUMANA Customer Service. NSU Faculty Practice and NSU Dental Clinic Do NOT participate in this plan. HUMANA DENTAL PLAN DHMO PREPAID 250 CS PLAN

46 HUMANA DENTAL PLAN – PPO PLANS The NSU Faculty Dental Practice participates in the PPO Plans - not the DHMO The NSU Dental (Student) Clinic DOES NOT participate in any of the plans.

47 Humana Dental Plans Monthly Dental Premium High Option PPO Plan Low Option Preventive Plus Plan DMO CS250 Plan Employee$36.68$19.48$10.98 Employee + 1$73.04$45.28$22.02 Family$122.84$74.96$ Benefits can be obtained at the NSU Dental Faculty Practice PPO Plans Accepted Only (PPO) (DMO)

48 The NSU Eye Care Institute participates in this plan 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 48

49 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 49 Advantica Buy-Up Vision Plan

50 ADVANTICA EYE CARE PLAN Rates Services can be obtained at the NSU Eye Care Institute or national network optometrists, ophthalmologists, opticians and retail providers (866)

51 Basic Employer Provided Life Insurance Optional Life Insurance Short Term Disability Long Term Disability Identity Theft Protection Emergency Travel Assistance LIFE AND DISABILITY BENEFITS

52 BASIC AND OPTIONAL TERM LIFE INSURANCE Basic – EmployerOptional - Employee Benefits-eligible employees must work at least 19.2 hours weekly and are U.S. citizens or U.S. residents and foreign nationals Eligible after 3-months of employmentEligible after a 3-month waiting period Benefit is one times annual salary up to a maximum of $350,000 Elect amounts between $10,000 and $200,000 in $10,000 increments Term life insurance Convertible at age 65 /portable up to age 65 and younger Benefit reduces to 65% at age 65 and to 50% at age 70 No medical exam for this period only (Optional Life Insurance) Complete a beneficiary form at and update as neededhttp://icubabenefits.org

53 OPTIONAL TERM LIFE INSURANCE Rate Chart (1) Amount of coverage Age

54 OPTIONAL TERM LIFE INSURANCE Rate Chart (2) Amount of coverage Age

55 SHORT-TERM AND LONG-TERM DISABILITY This is an overview of benefits available under the University STD Program & LTD Plan. It is not intended to modify, in any way, the plan documents or Summary Plan Description that, in the case of any difference, will govern.

56 IDENTITY THEFT PROTECTION  Your Life Insurance carrier provides this service if you become a victim of identity theft  24/7 telephone support and step-by-step guidance by anti- fraud experts  Expert case worker assigned to you to assist with notification to credit bureaus and paperwork to correct credit reports  Preventative measures- register up to 10 credit or debit cards for 24/7 surveillance  Call SecurAssist® at

57 EMERGENCY TRAVEL ASSISTANCE Your Life Insurance carrier provides this service when you travel more than 100 miles away from home and need medical assistance All services must be provided and arranged by Assist America No claims for reimbursement will be accepted Call Assist America at within USA or outside the USA See brochure in your packets

58 NSU 401(k) RETIREMENT PLAN

59 NSU 401(k) RETIREMENT PLAN (RETIREMENT MANAGER)  A secure way to enroll and make changes to the NSU Retirement accounts at https://www.myretirementmanager.comhttps://www.myretirementmanager.com  Comprehensive source for financial planning and determine if your financial plan is on track

60 NSU 401(k) RETIREMENT PLAN  Must be 21 years of age, full time employee and not be in an excluded class (e.g. Temporary, Part-Timer, Cluster, Union, Non Resident Aliens, etc.) to be eligible for NSU Retirement Savings Plan  Full-time employees eligible to receive matching contributions in the NSU 401(k) Retirement Savings Plan after one year of service  Eligible to make voluntary contribution into the NSU 401(k) Plan on the first of the month following your hire date  NSU Safe Harbor matching contribution immediately vested  NSU Basic 2% and matching contribution (above basic 2%) is vested after 3 years of service  Employees who attain the age of 50 can defer additional amounts (“catch-up” contributions) up to the annual limit of $23,000 ($17,500 under age 50)

61 401(K) CONTRIBUTIONS University matching contributions begin after one year of service Enroll and make changes to the NSU Retirement accounts by visiting https://www.myretirementmanager.com https://www.myretirementmanager.com

62  “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) or John Broadbent at (954) or visit  View additional information on benefits webpage s/index.html s/index.html  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) for more information. Employee Discount Provided by Abenity  View additional information on benefits webpage /index.html /index.html

63 NSU / ICUBA Health and Wellness Benefits Member Cards *Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNet The toll free phone number and website can be found on back of Florida Blue ID card. Humana Dental PlanAdvantica Eyecare Plan Catamaran Prescription Drug Plan ICUBA Cares MasterCard™ Florida Blue Medical Insurance

64 ICUBA Partners 64 CompanyBenefitContactID Card? Health Insurance OR Yes Prescription Drug Plan (formerly Walgreens & Catalyst) Member Services: Mail Order: Yes Mental Health, Substance Abuse and Employee Assistance Program Back of BCBS Card 64

65 ICUBA Partners 65 : CompanyBenefitContactID Card? Flexible Spending Plans: Health Care Spending Account Dependent Care Spending Account Health Reimbursement Account Phone: Fax: P.O. Box Orlando, FL ICUBA Benefits MasterCard® Benefit elections, information and access to ICUBA Benefits Card account information No Dental Insurance (DHMO) (PPO) Yes Eye Care Plan Yes Term Life, AD&D and Short and Long Term Disability Insurance Contact Benefits Department No 65

66 ENROLLMENT REMINDER Employees have thirty days (30) from their date of hire or eligibility to enroll in ICUBA benefits Enrollment is made online at Premiums are charged from the date of hire Enrollment instructions are posted on the benefits web page If you do not enroll during this period you may enroll during the next annual enrollment or qualifying status change Employees working at least 19.2 hours per week are eligible to enroll in dental and vision plans Employees working 28 hours or more per week are eligible for *retirement matching, medical, dental, and vision plans *Employee must be classified as full-time to be eligible for the retirement matching plan

67 FOR VIEWING THE NOVA SOUTHEASTERN UNIVERSITY NEW HIRE ENROLLMENT PRESENTATION If you have any questions, please the Office of Human Resources Shared Services at or call (954)262-HR4U (4748)


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