Presentation on theme: "New Employee Benefit Orientation"— Presentation transcript:
1 New Employee Benefit Orientation Our Plan year is a bit different as it is not calendar year.Plan YearApril 1, March 31, 2014
2 Meeting Overview Introduction to ICUBA Dental and Vision Plans EligibilityLife InsuranceOnline EnrollmentOptional Life InsuranceWellness/Preventative BenefitsShort Term DisabilityEmployee Assistance ProgramLong Term DisabilityMedical InsuranceEmergency Travel BenefitPharmacy BenefitsIdentity Theft ProtectionFlexible Spending Accounts and Health Reimbursement AccountsRetirement PlansVoluntary benefits and Legal PlanICUBA Benefits Card TMWe have lots of information to cover however feel free to ask questions as we go along
4 EligibilityEmployees working at least 19.2 hours per week are eligible for retirement supplemental plan, and to elect dental and vision coverageEmployees 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 accountPremiums are charged from your date of hire or date of eligibilityIf you do not enroll during this period you may enroll during the next annual enrollment or if you experience a qualifying status changeYou have thirty days (30) from your date of hire or date of eligibility to make your benefit electionsIs there anyone here who is past the 30 day enrollment window who has not enrolled in benefits?If so you need to see me at the end of this session because that is a problem.The benefits in which you enroll will remain in effect until 3/31/2013 unless you experience a Qualifying Life Status Change Event such as:Marriage/divorceSpouse gains or loses other coverageBirth of a child*Employee must be classified as full-time to be eligible for the retirement matching plan
5 How to EnrollTo enroll, login to the benefits enrollment portal atThe enrollment portal is available 24 hours a dayFirst time user instructions can be found in the “Benefits Information” box on the Benefits web pageIf you need assistance, please contact the Office of Human Resources by at or by calling HR4UHR Representatives are available Monday – Friday, 8:30am to 5:00pmThe Company key is ICUBA in uppercase lettersInstructions are found inside the New Employee Orientation packet and on the Human Resources WebsiteBenefits in which you enroll will remain in effect until March 31st , of next year unless you experience a Qualifying Life Status Change.
7 NSU / ICUBA Health and Wellness Benefits Member Cards Florida Blue Medical InsuranceCatamaran PrescriptionDrug PlanAdvantica Eyecare PlanHumana Dental PlanICUBA Cares MasterCard™*Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNetThe toll free phone number and website can be found on back of Florida Blue ID card.
8 NSU WELLNESS SERVICES Samples of Services Provided Alcohol Awareness The NSU Pharmacy provides free health screenings monthly call or log in toNSU Employee Sick Call Clinic open every morning from 8:15 am until 11:00 am, walk in or call , health plan billed for servicesNSU 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 scaleAHEC offers a free 6 week Quit Smoking Program callSamples of Services ProvidedAlcohol AwarenessBlood Glucose ScreeningCholesterol AwarenessGERD Awareness Education & CounselingHIV?AIDS AwarenessImmunization AwarenessMen’s and Women's’ Health AwarenessNational Pharmacy MonthOsteoporosis Screening & AwarenessSkin damage ScreeningAlso the NSU Caregivers Alliance Program visit
9 NSU’S WELLNESS MADE SIMPLE Makes Keeping Healthy Simple!! Provides comprehensive primary health care to employees and family members insured by ICUBA, who are 18 years of age and olderPromotes preventive medicine, identifies patient health risks, provides treatment and strives to prevent a more serious condition in patients with health risksReceive FULL WELLNESS BENEFITS at NSU by completing a physical examination, including blood work (covered by your ICUBA insurance)No copayments or coinsuranceRegister & make an appointment - Call the NSU Health Care Centers at VIPS (8477)
10 ICUBA Cares™The ICUBA Cares™ programs are offered by ICUBA plans with our provider partnersThe programs promote early treatment with the goal to prevent disease and incidences of critical careThese plans can also save you and the plan money - that helps keep premium costs lower for everyone
11 Saving Tips – Use Your Plan Wisely Free In-Network Wellness Benefits Aspirin for adults with a physician prescriptionBetter You From BlueTM Health Fairs with $50 incentive for participation, and Healthy Additions $25 incentive for each pregnant memberUse 90 day mail order for maintenance prescription refillsPrescribed diabetic supplies including meters, lancing devices, lancets, control solution, syringes, test strips and needles - ALL BRANDSEmployee Assistance Program (EAP) available to all employees and members of their household
12 Saving Tips – Use Your Plan Wisely Free In-Network Wellness Benefits Annual Physical & Gynecological ExamLab Tests (Quest Diagnostic)Pap TestsImmunizationsMammogramsBone Mineral Density TestsAllergy InjectionsUrinalysisColonoscopies & SigmoidoscopiesColorectal ScreeningsProstate Cancer ScreeningsAbdominal Aortic Aneurysm Screening – age 60+Electrocardiograms & EchocardiogramsAll covered at 100%NO Deductible FOR THE FOLLOWING in-network SERVICESTherapy OFFICE Visits EMERGENCY ROOM VISITS PHYSICIAN OFFICE VISITS URGENT CARE VISITS
13 Monday - Thursday 8AM – 6PM BlueCross BlueShieldHealth Dialog®BlueCross BlueShieldCare CoordinationHEALTH DIALOG® supports members and their covered dependents by providing information to help members better understand their medical condition and their treatment optionsHealth 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 callUse BCBS Nurse Case Managers to coordinate services when you need:To receive intravenous medications or wound care at homeTo find nursing servicesTo coordinate complicated medical treatment plansTo plan your surgical discharge and follow up treatmentThis is a terrific service and free to you.Examples when you might want to contact these folksYou have just been diagnosed with a serious condition such as diabetes, cancer, you or your spouse is pregnantYou or a covered family member are facing major surgeryYou are struggling with a diet or smoking sensationYou can also access the site if you just want more information about any medical condition you haveMonday - Thursday 8AM – 6PMFridays 9AM – 6PMTTY
14 BLUE CROSS BLUE SHIELD - BLUE365 ® Discount Program BCBS national member discount program delivering health and wellness tools, services, information and discounts to help members make healthy changes.fitness clubsexercise equipmentnutrition and weight management programsmassagesvitaminsAccess Blue365®1) VisitLog onto MyBlueServiceDiscounts & RewardsDiscountsVisitOffers change frequentlyYou can also access this information through the BCBSFL websiteKeep in mind these services are generally not covered under your health plan however you can get a discount on the service of up to 20% from a participating provider
15 COMMONLY USED TERMS (1)Certificate of Creditable (Prior) Coverage: document detailing the period of prior coverage for a new employee. It is used for the purpose of determining creditable coverage under HIPAA regulations. If there is a break of 63 days or more since prior coverage, Pre-existing limitation will apply to participants over19 years of agePreauthorization: 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)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 applicableMember 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 healthierCCC what is it, why do I need it? Our plans have a pre existing condition limitation. Proof of prior coverage for one year will waive the PE. Period of lesser time will waive the PE for that time period. If you were insured under several different plans in the last year you will need a CC for each plan. These are normally issued to you within 30 days of your plan termination. If you didn’t get one or threw it out you will need to contact the prior carrier and request another one. Make a copy and send it here and we will transmit to BCBS. Ex of PE diabetes, HBP, high cholesterol, epilepsy. Non PE broken arm appendicitis, fluPre-authorization for planned surgery your surgical coordinator from the MDs office usually handles but it is suggested you confirm that it has been doneFor emergency admissions you or a family member should call BCBSFL to tell them of your admissionIf you are a single EE without family your department can let us know of your admission to the hospital and we will make the call. Unauthorized hospital confinement can result in you being held responsible for the entire cost of the confinementContracted amount examples Ov 85 allowed % 16.72OV 60 allowed % 6.55; OV 90 A= =11.906, A =2, % =1,556.80
16 Member Health Statement Every month you will receive one of these statements consisting of approximately six (6) pages containing health tips, definition of terms, right to appeal information, deductible accumulation status, and coupons for healthy products and claim activity.A representation of 3 of these pages is condensed on this slide. The claim activity portion indicates date(s) of service a description of the service [lab, x-ray, surgery, hospital stay, etc., the amount billed and the Amount Allowed.I referred to the Allowed or contracted rate for in-network providers on the prior slide. The reason this is so important to you is because it is tied directly to the Member Responsibility or the ‘You Owe’ amount. This is where your wallet is impacted. Never pay an in-network provider more than the ‘You Owe’ amount. Should you encounter an in-network provider who balance bills please contact the Florida Blue customer service and allow their Provider Relations folks to intercede on your behalf.The other information on the MHS slide will include Smart Tips such as new tools on WebMD including personal health assessment, health trackers, symptom checker, treatment cost advisor, hospital advisor, creating your own medical expense record and much more. Please review your MHS each month when you receive it.
17 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 visitIf 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 adjustedFor wellness visits, make sure you have a discussion with your doctor/office staff to have the visit filed as a wellness claimReview Member Health Statements available to you at and pay your provider based on the information indicated on the statement
18 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 deductibleCo-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 maximumDeductible: A dollar amount that must be paid by the insured for health or dental services before a claim becomes payable by the carrier. The deductible DOES accumulate toward out-of-pocket maximumPlan 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 YearCenters of Excellence: Preferred places of care with the best outcomes, finest operational standings and best patient careCo-pay for office visit $20 or $30 depending on whether or not you see a family practitioner or specialist. Or a co-pay on prescriptions. You are expected to pay the co-pay at the time of service.Co-insurance -either 20% or 30% in-network depending on the plan. It is 30% for the PPO 70 plan and20% for the PPO Risk Reward Plan.Deductible- just like the deductible on your auto insurance. Depending on your plan enrollment [PPO 70 or PPO Risk Reward], in-network is $1, or $2, for individual or $1, or $4, family. Out-of network deductibles are significantly higher therefore you are encouraged to utilize in-network providers.Plan Year Out-of-Pocket Maximum- I will read the bullet point and say if you are in the PPO 70 plan it is 3k individual or 6k family and for the PPO R&R 3,500 individual or 7k family. We will touch on this in more detail on a subsequent slide.Examples of Centers of Excellence are in categories such as Bariatric Surgery, Cardiac Care, complex and Rare Cancers or organ transplants. You can see extensive lists of these centers either in the summary plan document [SPD] available on-line either via the link on the Benefits web page or through the reference center on the ICUBA Benefits portal or speak with a Florida Blue Health Coach or Medical Case Manager.
19 Florida Blue Network Name MEDICAL PLANSSIMILARITIESDIFFERENCESPlan RulesPremiumsPrescription Drug BenefitsHRA ContributionsBehavioral Health BenefitsDeductiblesFree ICUBA CARES™ ProgramsCo-Insurance24/7 Health InformationCo-paymentsER & Urgent CareAnnual Out-of-Pocket MaximumsFlorida Blue Network NamePLAN NAMENETWORK NAMEPPO 70 Blue OptionsBlue Options (Network Blue)PPO Risk/Reward Blue Options
20 MAKING A CHOICE Plan Comparison Plan FeaturePPO 70 Blue OptionsPPO Risk/Reward Blue OptionsNetworkNon-NetworkDeductibleIndividual/Family$1,000/$2,500$1,500/$4,000$2,000/$4,000$3,500/$9,750Coinsurance30% after deductible50% after deductible20% after deductible40% after deductibleOut-of-Pocket Maximum (Includes all medical copays, deductibles, and coinsurance)$3,000/$6,000$6,000/$12,000$3,500/$7,000$7,000/$14,000Physicians Office Visit (Includes General Practice, Internal Medicine, Family Practice, Pediatrician, OB/GYN and Behavioral Health)$20 Copay;no deductible20%40%after deductibleSpecialist Office Visit (Includes Chiropractors and Therapists)$30 Copay;Wellness Exam$0Not CoveredOutpatient Diagnostic Imaging$100 Copay and 30% after deductible50%Urgent CareEmergency Room Services$100 Copay(waived if admitted) no deductible(waived if admitted)Hospital Inpatient$250 Copay and 30% after deductible$500 Copay and 50% after deductible
21 MAKING A CHOICE Employee Premiums Coverage TierTotal Monthly PremiumNSU ContributionEmployee ContributionMonthly PremiumMonthlyHRABi-weekly PremiumPPO 70 Blue OptionsEmployee$$$$$Employee & Spouse$ 1,252.00$$$$Employee & Child(ren)$ 1,128.00$$$Employee & Family$ 1,754.00$$ ,124.00$Dual Enroll (Husband & Wife Employed by NSU) Family$$$$PPO Risk & Rewards Blue Options$$$$$$$$$$$$$$ 1,365.00$$$$$$$
22 MAKING A CHOICE Calculate Your Maximum Financial Risk Annual Premium+ Out of Pocket Maximum+ Co-pays (you estimate these)- HRA Contributions= Total Financial RiskWhen you are making your decision you need to consider if you can afford the plan.The annual premium for the PPO 70 family plan is $12, If you make 20k or 35k etc you may not be able to pay the premium and your taxes, etc. You need to consider one of the other plans offered.If you select a benefit that will result in a negative pay you will be contacted to select another plan as we can’t allow a negative pay.Not being able to afford health plan is not an allowable reason to change health plans outside of open enrollment. If you call the benefits office in 2 or 3 months and tell us you now realize the plan costs too much we are not permitted by the IRS to allow de-enrollmentSelect carefully, if your election is too costly it is not be possible to change election during the new Plan Year.
23 Making a Choice Estimating Your Financial Risk Coverage/TierAnnualPremiumOut of pocketmaximum (OOP)MedICALmaximumpharmacyPremium +OOPNSU HRAcontributionEstimatedin-networkfinancial riskEMPLOYEE ONLYPPO 70 Blue Options$2,712.00$3,000.00$2,000.00$7,712.00$300.00$7,412.00PPO Risk Reward BlueOptions$$3,500.00$6,436.00$600.00$5,836.00EMPLOYEE & SPOUSE$9,924.00$6,000.00$4,000.00$19,924.00$$19,324.00$7,000.00$17,000.00$1,200.00$15,800.00EMPLOYEE & CHILD(REN)$7,776.00$17,776.00$17,176.00$4,176.00$15,176.00$13,976.00EMPLOYEE & FAMILY$13,488.00$23,488.00$22,888.00$8,220.00$19,220.00$18,020.00
24 MAKING A CHOICE (1) Personalized Cost Estimator
25 Personalized Cost Estimator (2) Fill in Estimated Usage Numbers On this slide you will see different types of services.If you see your physician 3 or 4 times a year to monitor a medical condition put that number in the boxIf you have young children who ride skate boards or bicycles you can expect a trip or 2 to either urgent care or the Emergency Room. Put a number in thereDo the same for each category as you proceed down the screen for any service you thnk you or a famiy member will utilize during the plan yearProceed to the bottom of the page and then you will see the estimated cost savings
26 Personalized Cost Estimator (3) See Total Estimated Annual Costs All Plans On this slide you will see the estimated cost for participating in a designated plan.Based on this cost plan comparison you are better prepared to make a selection on the plan in which you wish to enroll.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.
27 Did you know? $20.2 Million Annual NSU Contribution TierAnnual Amount Paid by NSUPremiumHRATotal Annual ContributionPPO 70 Employee$4,800.00$300.00$5,100.00PPO 70 Employee /Spouse$600.00$5,700.00Child(ren)$5,760.00$6,360.00PPO 70 Family$7,560.00$8,160.00PPO R&R Employee$4,920.00$5,520.00PPO R&R Employee /$1,200.00$6,900.00PPO R&R Family$9,360.00NSU will contribute approximately 20.2 million dollars to employee healthcare coverage costs in the plan year!Annual premium for plan year: $17,882,280.00Annual HRA for plan year: $2,346,568.00Total NSU Contributions plan year:$20,228,848.00
28 MENTAL HEALTH BENEFITS EMPLOYEE ASSISTANCE PROGRAM MHNetMENTAL HEALTH BENEFITS EMPLOYEE ASSISTANCE PROGRAM
29 MHNet Mental Health Benefit & EAP Provider EAP AVAILABLE TO ALL EMPLOYEES AND MEMBERS OF THEIR HOUSEHOLD AT NO COSTMEDICAL PLAN ENROLLMENT IS NOT REQUIREDUp to six counseling sessions per issue - per plan yearInpatient services must be pre-authorized by MHNetClient Connect® provider matching service for assistance in locating an appropriate providerVisit the MHNet website and access helpful resources:Informative articlesFinancialInteractive health and wellnessFamilyinstrumentsPersonalHealth assessments and videosMental health informationOn-line seminarsDiscountsVisit or callOnline Services Login - Username: ICUBA, Password:MHNet contact information also found on the back of the BCBSFL card
31 (formerly WALGREENS HEALTH INITIATIVE) CATAMARAN(formerly WALGREENS HEALTH INITIATIVE)Pharmacy Benefit Plan
32 24/7 customer service for members CATAMARANPharmacy Benefit PlanPick up prescriptions at any one of the 62,000 retail pharmacies in the Walgreens networkAdvantage90™ Network of 39,000 retail pharmacies nationwide can dispense a 90 day prescription in store, you can reduce your co-payments by using this programOrder a 90 day supply through the Catamaran Rx Mail Order Program by phone or on-line. 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 networkSame pharmacy benefits for both plansNo deductible required only co-paymentsOut of pocket maximum is $2,000 per individual and $4,000 per familyThere is a separate ID card for pharmacy benefitsThe NSU Pharmacy is in the network, and they will help you transfer your prescriptions from other pharmaciesNSU Pharmacy provides ALL generic drugs at a zero ($0) co-payYou will receive a PML- Pharmacy Medication Categories Guide [formulary list] from Catamaran when you enroll in benefits along with your ID cardWhen you are visiting your MD and anticipate either a new RX or a change in medication take this along and ask the MD to see if the RX is in the formulary. If not ask him or her to suggest an alternative medication that is in the PMLIt’s much easier to do this than it is to go to a pharmacy only to be told the RX is not covered by your plan24/7 customer service for members
33 Catamaran™ Pharmacy Benefits Benefit Tiered Copays Pharmacy benefit plan offers three tiers of drugs – these determine your copayHave your doctor consult the Preferred Medication List for the lowest cost generic or brand medications available for your therapyOut of pocket maximum is $2,000 per individual and $4,000 per familyTierCo-pay30 day Retail/Mail Order/ 90 day RetailDefinition1st Tier:Generics$5/10/10Generics 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.2nd Tier:Preferred$27/50/60Medications 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.3rd Tier: Nonpreferred$60/120/145Because 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.Visit or call Member Services atUse 90 day mail order and save money! Call
34 CATAMARAN www.mycatamaranrx.com MyCatamaran members can: Create an online account to access Rx informationCheck drug coverage and costCheck eligibilitySearch and download, plan drug listLocate a nearby pharmacyReview prescription history and refill informationPrint a temporary ID cardAfter you set up your account you can view your RX history, confirm if your RX is covered, check co payments and questions, find store locations and lots moreSome RX will require authorizationAfter you have enrolled in your benefits through the ICUBA portal [Benefits Solver] it may take up to 7 business days before your eligibility information appears in the Walgreen’s eligibility file.If you have an emergency need for an RX refill or a new RX you can do one of 2 things1. Pay for the Rx out of pocket and file a paper claim for reimbursement later or2. Contact HR4U ad and tell the Shared Services representative you need an Rx urgently. We do reserve this for emergency situations.
36 Catamaran™ Pharmacy Benefits Mobile App Catamaran Member Portal:Refill Rxs from Catamaran Home DeliveryObtain a list of preferred medications to maximize savingsPerform test co-pays for RxsView prior authorization historyCatamaran Mobile App:Free of charge (Check data usage with service provider)Find the lowest cost drug and pharmacy optionsView prescription historyKey Features:Fill-My-Scripts is a reminder to fill prescriptionsTake-My-Meds is a reminder to take medicationsMobile Advocate is designed to mimic behavior of providerto elicit action and participationNote: Must register for an account on Catamaran Member Portal prior to accessing member information on the mobile app
37 NSU CLINIC PHARMACY Full service pharmacy Accepts NSU/ICUBA prescription planFREE generic drugs for NSU/ICUBA Healthcare subscribersOpen:Monday – Friday9:00 AM – 6:00 PMSaturday9:00 AM – 1:00 PMFor questions and appointments please call:Web address:
38 HEALTH CARE & DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS HEALTH REIMBURSEMENT ACCOUNTS
39 Health Reimbursement Account & Flexible Spending Account Voluntary, funded by employee pre-tax dollars – Maximum $2,500Available for medical and dependent care expensesNo carry-over of funds from year to year (by law)Use-it-or-lose-itIncur expenses through June 15th, and file by June 30thFSA funds used before HRA fundsHealth Reimbursement AccountFunded by the UniversityComes with all medical plansFunds rollover at the end of each plan year indefinitelyCan have HRA alone with no FSAPortable after 36 months of continuous HRA participationNo cash distributionThe Health Reimbursement Account is funded the University. It is provided to employees enrolled in the PPO Risk and Reward Plan. Funds in the account at the end of each plan rollover. The HRA is portable after 36 months of continuous participation in the PPO Risk and Reward Plan. You can have a Health Reimbursement Account without having a Flexible Spending Account or have them both.The Flexible Spending Account is funded by the employee with pre-taxed dollars. It is used for medical and dependent care expenses. These funds are not carried over from year to year and are subject to the use-it-or-lose-it rule. Flexible Spending Account funds are used before tapping into the Health Reimbursement Account funds. Eligible over-the-counter drugs are reimbursable with the FSA. You can have a Flexible Spending Account without having a Health Reimbursement Account.Over the counter (OTC) medication cannot be purchased without a prescription from a physician.
40 Dependent Care Flexible Spending Account Funded by employee with pre-tax contributionsPay for qualified dependent care expenses, such as day-care or after-school care – NOT MEDICAL EXPENSESMaximum annual limit of $5,000 – per familyEligible dependents under age 13, physically or mentally challenged adult children who are unable to care for themselvesFunded each pay date, and available using the ICUBA Benefits MasterCard®Subject to use-it-or-lose-it ruleIncur expenses through June 15th, file claims by June 30thFile your claims online atThe Dependent Care Flexible Spending Account or DCFSA is funded by employee pre-tax dollars and used to pay for qualified dependent care expenses.The maximum annual contribution is $5,Dependents are defined as being under the age of 13 but also could be a physically or mentally challenged adult who is your dependent and does not earn more than $3,200 a year.These DCSFA can be accessed by using the ICUBA MasterCard debit card which is issued by Alegeus bank and administered by Businessolver or by filing a paper claim.The Dependent Care Flexible Spending Account is subject to the use- it-or-lose-it rule and must be used before June 30th.
42 HUMANA DENTAL PLAN DHMO PREPAID 250 CS PLAN 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.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 IDChanges to your dentist election must be submitted by the 1st 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 through the ICUBA website.
43 HUMANA DENTAL PLAN – PPO PLANS PPO Low OptionPreventive PlusHigh Option PPO100 / 80In-Network; Same benefit Out of Network but you may be balanced billed on amounts over Usual and Customary100 / 80 / 50 / 50In-Network; Same benefit Out of Network but you may be balanced billed on amounts over Usual and Customary; Endodontic and Periodontal Services covered under Basic Services$1000 Plan Year Maximum$2000 Plan Year Maximum [30% coinsurance on preventive, basic and major services after reach annual max]Excludes Orthodontics and Major Services[i.e. crowns, dentures, endodontics and periodontics]$2000 Lifetime Maximum for Adult and Child Orthodontics [additional 30% coinsurance not available]Plan Year Deductible $50 per Individual up to $150 per Family for Type II. III and IV servicesNo waiting periodsClaim forms may be requiredYou can use any dentist you chooseYou can use any dentist you choose. However, out-of-network services will be subject to higher coinsurance.Major Services – Discount available In-Network and No coverage for Out-of-Network servicesOut of Network Dentist reimbursedat 90% of Usual and CustomaryThe NSU Faculty Dental Practice participates in the PPO Plans - not the DHMOThe NSU Dental (Student) Clinic DOES NOT participate
44 Humana Dental Plans Monthly Dental Premium High Option PPO Plan Low Option Preventive Plus PlanDMO CS250 PlanEmployee$36.68$19.48$10.98Employee + 1$73.04$45.28$22.02Family$122.84$74.96$34.20Benefits can be obtained at the NSU Dental Faculty Practice ClinicPPO Plans Accepted Only(PPO)(DMO)
45 ADVANTICA EYE CARE PLAN BenefitNetworkNon-NetworkVision Exam$5 Co-PayUp to $40 Reimbursement (less applicable Co-Pay)Standard Frames$15 Co-Pay; Up to $100 allowance less applicable Co-Pay if outside StandardReimbursed up to $40Single Vision, Bifocal and Trifocal LensCovered After $15 Co-PayUp to $20 for Single Vision, $40 for Bifocal or$60 for Trifocal Reimbursement after Co-PayTrifocal LensStandard Progressive$50 Co-PayNo BenefitPolycarbonateIncluded with Lens Co-Pay up to age 19; over 19, $30 Co-PayUV Coating$12 Co-PayMedically Necessary Contact Lens$250 allowance; $30 fitting fee allowanceContact Lens (Cosmetic)$100 allowance; $30 fitting fee allowanceUp to $60 ReimbursementFrequency Limitations Exams12 MonthsFrequency Limitations Frames24 MonthsLenses or Contact Lens
46 ADVANTICA EYE CARE PLAN RatesPREMIUMMONTHLYBI-WEEKLYEmployee$3.98$1.99Family$10.18$5.09Services can be obtained at the NSU Eye Care Institute or national network optometrists, ophthalmologists, opticians and retail providers(866)
47 LIFE AND DISABILITY BENEFITS Basic Employer Provided Life InsuranceOptional Life InsuranceShort Term DisabilityLong Term DisabilityIdentity Theft ProtectionEmergency Travel Assistance
48 BASIC AND OPTIONAL TERM LIFE INSURANCE Basic – EmployerOptional - EmployeeBenefits-eligible employees must work at least 19.2 hours weekly and are U.S.citizens or U.S. residents and foreign nationalsEligible after 3-months of employmentEligible after a 3-month waiting periodBenefit is one times annual salary up to a maximum of $300,000Elect amounts between $10,000 and $200,000 in $10,000 incrementsTerm life insuranceConvertible at age 65 /portable up to age 65 and youngerBenefit reduces to 65% at age 65 and to 50% at age 70No medical exam for this period only (Optional Life Insurance)Complete a beneficiary form at and update as needed
49 OPTIONAL TERM LIFE INSURANCE Rate Chart (1) Amount of coverageAge10,00020,00030,00040,00050,00060,00070,00080,00090,000100,00000-240.470.941.411.882.352.823.293.764.234.7025-290.571.141.712.282.853.423.994.565.135.7030-340.761.523.043.805.326.086.847.6035-390.851.702.553.404.255.105.956.807.658.5040-440.951.904.756.658.559.5045-491.422.844.265.687.108.529.9411.3612.7814.2050-542.184.366.548.7210.9013.0815.2617.4419.6221.8055-594.088.1612.2416.3220.4024.4828.5632.6436.7240.8060-646.2612.5218.7825.0431.3037.5643.8250.0856.3462.6065-6912.5025.0037.5050.0062.5075.0087.50100.00112.50125.0070-74150.00175.00200.00225.00250.0075+
50 OPTIONAL TERM LIFE INSURANCE Rate Chart (2) Amount of coverageAge00-2425-2930-3435-3940-4445-4950-5455-5960-6465-6970-7475+110,000120,000130,000140,000150,000160,000170,000180,000190,000200,0005.175.646.116.587.057.527.998.468.939.406.276.847.417.988.559.129.6910.2610.8311.148.369.8810.6411.4012.1612.9213.6814.4415.209.3510.2011.0511.9012.7513.6014.4515.3016.1517.0010.4512.3513.3014.2517.1018.0519.0015.6217.0418.4619.8821.3022.7224.1425.5626.9828.4023.9826.1628.3430.5232.7034.8837.0639.2441.4243.6044.8848.9653.0457.1261.2065.2869.3673.4477.5281.6068.8675.1281.3887.6493.90100.16106.42112.68118.94125.20137.50150.00162.50175.00187.50200.00212.50225.00237.50250.00275.00300.00325.00350.00375.00400.00425.00450.00475.00500.00
51 SHORT-TERM AND LONG-TERM DISABILITY Benefits-eligible employees must work at least 19.2 hours weekly and are U.S.citizens or U.S. residents and foreign nationalsEligible after 3-month waiting period andbenefits paid at 60% of employee’s salaryEligible after 6-month waiting period and benefits paid up to 60% of employee’s salary7 calendar-day elimination period (amount of time the employee must be disabled before benefits become payable)180-day elimination period (amount of time the employee must be disabled before benefits become payable)180 day benefit period – followed by Long Term DisabilityPre-existing limitations may apply and conversion available on terminationThis 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.
52 IDENTITY THEFT PROTECTION Your Life Insurance carrier provides this service if you become a victim of identity theft24/7 telephone support and step-by-step guidance by anti- fraud expertsExpert case worker assigned to you to assist with notification to credit bureaus and paperwork to correct credit reportsPreventative measures- register up to 10 credit or debit cards for 24/7 surveillanceCall SecurAssist® at
53 EMERGENCY TRAVEL ASSISTANCE Your Life Insurance carrier provides this service when you travel more than 100 miles away from home and need medical assistanceAll services must be provided and arranged by Assist AmericaNo claims for reimbursement will be acceptedCall Assist America at within USA oroutside the USASee brochure in your packetsExamples of use:You are on a trip more than 100 miles away from home and you forgot all of your medications. Call the 800# and ask for assistance to get your RXYou are in another country or state and are in a MVA or have an injury which requires air ambulanceYou or a family member call the 800# and tell assist America arrange the servicesYou absolutely cannot arrange services and receive reimbursement at a later date
55 NSU 401(k) RETIREMENT PLAN (RETIREMENT MANAGER) A secure way to enroll and make changes to the NSU Retirement accounts at https://www.myretirementmanager.comComprehensive source for financial planning and determine if your financial plan is on track
56 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 PlanFull-time employees eligible to receive matching contributions in the NSU 401(k) Retirement Savings Plan after one year of serviceEligible to make voluntary contribution into the NSU 401(k) Plan on the first of the month following your hire dateNSU Safe Harbor matching contribution immediately vestedNSU Basic 2% and matching contribution (above basic 2%) is vested after 3 years of serviceEmployees 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)Although you are not eligible to join the matching plan until your 1 year anniversary you can start your own supplemental account immediately and put money aside on a pre-tax basis by visitingIf you were not a participant in the §403(b) Plan as of December 31, 2011, or if you were eligible but had not elected to defer compensation you will affirmatively need to make an election as described in the above paragraph.
57 401(K) CONTRIBUTIONSUniversity matching contributions begin after one year of serviceEMPLOYEEEMPLOYER BASICEMPLOYERSAFE HARBOR MATCHINGMATCHINGTOTAL&0%2%1%4%5%6%8%3%11%10%14%100% Vested Immediately3 yr. Vesting from Date of HireEnroll and make changes to the NSU Retirement accounts by visiting https://www.myretirementmanager.com
58 Employee Discount Provided by Abenity “Safeguard for Minors” identity theft protection for dependents for an extra $1.00 a monthReal Estate, Family Law, Estate Planning, Traffic IssuesLegal Shield premium deductions once a month. Deductions will be taken in the second pay period of each monthVoluntary employee benefit - no employer contributionContact Kelley Kaupas-Rheault at (954) or John Broadbent at (954) or visitView additional information on benefits webpage s/index.htmlOffers various insurance plans, accident insurance, hospital indemnity, short-term disability and cancer indemnityVoluntary employee benefit - no employer contributionView PowerPoint presentation on benefits webpageContact AFLAC representative Joe Evans at (954) for more information.Nova Southeastern University also offers a legal plan through Legal Shield services.Again, this is a voluntary employee benefit with no employer contributions.For additional information view the Pre-Paid Legal presentation on the benefits webpage or contact Pre-Paid Legal Representatives, Kelly Kaupas-Rheault at (954) or Andre Rheault at (954)Cost is about / month for basic legal services and per month with identity theft protectionSome help with legal issues such as speeding tickets, identity theft, divorce, landlord disputes and simple wills.Employee Discount Provided by AbenityView additional information on benefits webpage /index.html
59 NSU / ICUBA Health and Wellness Benefits Member Cards Florida Blue Medical InsuranceCatamaran PrescriptionDrug PlanAdvantica Eyecare PlanHumana Dental PlanICUBA Cares MasterCard™*Our mental health and substance abuse benefit, and Employee Assistance Program is provided by MHNetThe toll free phone number and website can be found on back of Florida Blue ID card.
60 ICUBA Partners Company Benefit Contact ID Card? 877-398-5816 Health InsuranceORYesPrescription Drug Plan(formerly Walgreens & Catalyst)Member Services:Mail Order:Mental Health, Substance Abuse and Employee Assistance ProgramBack of BCBS Card60
61 ICUBA Partners : Company Benefit Contact ID Card? Flexible Spending Plans:Health Care Spending AccountDependent Care Spending AccountHealth Reimbursement AccountPhone:Fax:P.O. BoxOrlando, FLICUBA Benefits MasterCard®Benefit elections, information and access to ICUBA Benefits Card account informationNoDental Insurance(DHMO)(PPO)YesEye Care PlanTerm Life, AD&D and Short and Long Term Disability InsuranceContact Benefits Department:61
62 ENROLLMENT REMINDEREmployees have thirty days (30) from their date of hire or eligibility to enroll in ICUBA benefitsEnrollment is made online atPremiums are charged from the date of hireEnrollment instructions are posted on the benefits web pageIf you do not enroll during this period you may enroll during the next annual enrollment or qualifying status changeEmployees working at least 19.2 hours per week are eligible for retirement supplemental, dental and vision plansEmployees working 28 hours or more per week are eligible for *retirement matching, medical, dental, and vision plansIf you are past your 30 calendar days enrollment window, then you may not be eligible to enroll for benefits until the next open enrollment period. Contact the Benefits department at to discuss your options, if available.*Employee must be classified as full-time to be eligible for the retirement matching plan
63 THANK YOU!FOR VIEWING THE NOVA SOUTHEASTERN UNIVERSITY NEW HIRE ENROLLMENT PRESENTATIONIf you have any questions, please theOffice of Human Resources Shared Services ator call (954)262-HR4U (4748)Thank you for viewing the NSU Benefits Presentation. If you have any questions, please the Benefits Department at or call (954)Again, welcome to Nova Southeastern University.Recycle booklets you don’t want. Leave behind or send back to the Benefits Office inter office mail