1. New Employee Benefit Orientation
Our Plan year is a bit different as it is not calendar year.
Plan Year
April 1, March 31, 2014

2. Meeting Overview Introduction to ICUBA Dental and Vision Plans
Eligibility
Life Insurance
Online Enrollment
Optional Life Insurance
Wellness/Preventative Benefits
Short Term Disability
Employee Assistance Program
Long Term Disability
Medical Insurance
Emergency Travel Benefit
Pharmacy Benefits
Identity Theft Protection
Flexible Spending Accounts and Health Reimbursement Accounts
Retirement Plans
Voluntary benefits and Legal Plan
ICUBA Benefits Card TM
We have lots of information to cover however feel free to ask questions as we go along

3. ICUBA Schools

4. Eligibility
Employees working at least 19.2 hours per week are eligible for retirement supplemental plan, and 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
Is 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/divorce
Spouse gains or loses other coverage
Birth of a child
*Employee must be classified as full-time to be eligible for the retirement matching plan

5. 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 HR4U
HR Representatives are available Monday – Friday, 8:30am to 5:00pm
The Company key is ICUBA in uppercase letters
Instructions are found inside the New Employee Orientation packet and on the Human Resources Website
Benefits in which you enroll will remain in effect until March 31st , of next year unless you experience a Qualifying Life Status Change.

6. NSU / ICUBA HEALTH AND WELLNESS BENEFITS

7. NSU / ICUBA Health and Wellness Benefits Member Cards
Florida Blue Medical Insurance
Catamaran Prescription
Drug Plan
Advantica Eyecare Plan
Humana Dental Plan
ICUBA Cares MasterCard™
*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.

8. NSU WELLNESS SERVICES Samples of Services Provided Alcohol Awareness
The NSU Pharmacy provides free health screenings monthly call or log in to
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
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
AHEC offers a free 6 week Quit Smoking Program call
Samples of Services Provided
Alcohol Awareness
Blood Glucose Screening
Cholesterol Awareness
GERD Awareness Education & Counseling
HIV?AIDS Awareness
Immunization Awareness
Men’s and Women's’ Health Awareness
National Pharmacy Month
Osteoporosis Screening & Awareness
Skin damage Screening
Also 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 older
Promotes preventive medicine, identifies patient health risks, provides treatment and strives to prevent a more serious condition in patients with health risks
Receive FULL WELLNESS BENEFITS at NSU by completing a physical examination, including blood work (covered by your ICUBA insurance)
No copayments or coinsurance
Register & 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 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

11. Saving Tips – Use Your Plan Wisely Free In-Network Wellness Benefits
Aspirin for adults with a physician prescription
Better You From BlueTM Health Fairs with $50 incentive for participation, and Healthy Additions $25 incentive for each pregnant member
Use 90 day mail order for maintenance prescription refills
Prescribed diabetic supplies including meters, lancing devices, lancets, control solution, syringes, test strips and needles - ALL BRANDS
Employee 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 Exam
Lab Tests (Quest Diagnostic)
Pap Tests
Immunizations
Mammograms
Bone Mineral Density Tests
Allergy Injections
Urinalysis
Colonoscopies & Sigmoidoscopies
Colorectal Screenings
Prostate Cancer Screenings
Abdominal Aortic Aneurysm Screening – age 60+
Electrocardiograms & Echocardiograms
All covered at 100%
NO Deductible FOR THE FOLLOWING in-network SERVICES
Therapy OFFICE Visits 
EMERGENCY ROOM VISITS 
PHYSICIAN OFFICE VISITS 
URGENT CARE VISITS 

13. Monday - Thursday 8AM – 6PM
BlueCross BlueShield
Health Dialog®
BlueCross BlueShield
Care Coordination
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
This is a terrific service and free to you.
Examples when you might want to contact these folks
You have just been diagnosed with a serious condition such as diabetes, cancer, you or your spouse is pregnant
You or a covered family member are facing major surgery
You are struggling with a diet or smoking sensation
You can also access the site if you just want more information about any medical condition you have
Monday - Thursday 8AM – 6PM
Fridays 9AM – 6PM
TTY

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 clubs
exercise equipment
nutrition and weight management programs
massages
vitamins
Access Blue365®
1) Visit
Log onto MyBlueService
Discounts & Rewards
Discounts
Visit
Offers change frequently
You can also access this information through the BCBSFL website
Keep 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 age
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)
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
CCC 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, flu
Pre-authorization for planned surgery your surgical coordinator from the MDs office usually handles but it is suggested you confirm that it has been done
For emergency admissions you or a family member should call BCBSFL to tell them of your admission
If 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 confinement
Contracted amount examples Ov 85 allowed % 16.72
OV 60 allowed % 6.55; OV 90 A= =11.90
6, 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 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

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 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
Deductible: 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 maximum
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
Centers of Excellence: Preferred places of care with the best outcomes, finest operational standings and best patient care
Co-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 PLANS
SIMILARITIES
DIFFERENCES
Plan Rules
Premiums
Prescription Drug Benefits
HRA Contributions
Behavioral Health Benefits
Deductibles
Free ICUBA CARES™ Programs
Co-Insurance
24/7 Health Information
Co-payments
ER & Urgent Care
Annual Out-of-Pocket Maximums
Florida Blue Network Name
PLAN NAME
NETWORK NAME
PPO 70 Blue Options
Blue Options (Network Blue)
PPO Risk/Reward Blue Options

20. MAKING A CHOICE Plan Comparison
Plan Feature
PPO 70 Blue Options
PPO Risk/Reward Blue Options
Network
Non-Network
Deductible
Individual/Family
$1,000/$2,500
$1,500/$4,000
$2,000/$4,000
$3,500/$9,750
Coinsurance
30% after deductible
50% after deductible
20% after deductible
40% after deductible
Out-of-Pocket Maximum (Includes all medical copays, deductibles, and coinsurance)
$3,000/$6,000
$6,000/$12,000
$3,500/$7,000
$7,000/$14,000
Physicians Office Visit (Includes General Practice, Internal Medicine, Family Practice, Pediatrician, OB/GYN and Behavioral Health)
$20 Copay;
no deductible
20%
40%
after deductible
Specialist Office Visit (Includes Chiropractors and Therapists)
$30 Copay;
Wellness Exam $0
Not Covered
Outpatient Diagnostic Imaging
$100 Copay and 30% after deductible
50%
Urgent Care
Emergency 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 Tier
Total Monthly Premium
NSU Contribution
Employee Contribution
Monthly Premium
Monthly
HRA
Bi-weekly Premium
PPO 70 Blue Options
Employee $ $ $ $ $
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 Risk
When 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-enrollment
Select 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/Tier
Annual
Premium
Out of pocket
maximum (OOP)
MedICAL
maximum
pharmacy
Premium +
OOP
NSU HRA
contribution
Estimated
in-network
financial risk
EMPLOYEE ONLY
PPO 70 Blue Options
$2,712.00
$3,000.00
$2,000.00
$7,712.00
$300.00
$7,412.00
PPO Risk Reward Blue
Options $
$3,500.00
$6,436.00
$600.00
$5,836.00
EMPLOYEE & 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
$15,800.00
EMPLOYEE & CHILD(REN)
$7,776.00
$17,776.00
$17,176.00
$4,176.00
$15,176.00
$13,976.00
EMPLOYEE & 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 box
If 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 there
Do 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 year
Proceed 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
Tier
Annual Amount Paid by NSU
Premium
HRA
Total Annual Contribution
PPO 70 Employee
$4,800.00
$300.00
$5,100.00
PPO 70 Employee /
Spouse
$600.00
$5,700.00
Child(ren)
$5,760.00
$6,360.00
PPO 70 Family
$7,560.00
$8,160.00
PPO R&R Employee
$4,920.00
$5,520.00
PPO R&R Employee /
$1,200.00
$6,900.00
PPO R&R Family
$9,360.00
NSU will contribute approximately 20.2 million dollars to employee healthcare coverage costs in the plan year!
Annual premium for plan year: $17,882,280.00
Annual HRA for plan year: $2,346,568.00
Total NSU Contributions plan year:
$20,228,848.00

28. MENTAL HEALTH BENEFITS EMPLOYEE ASSISTANCE PROGRAM
MHNet
MENTAL HEALTH BENEFITS EMPLOYEE ASSISTANCE PROGRAM

29. MHNet Mental Health Benefit & EAP Provider
EAP AVAILABLE TO ALL EMPLOYEES AND MEMBERS OF THEIR HOUSEHOLD AT NO COST
MEDICAL PLAN ENROLLMENT IS NOT REQUIRED
Up to six counseling sessions per issue - per plan year
Inpatient services must be pre-authorized by MHNet
Client Connect® provider matching service for assistance in locating an appropriate provider
Visit the MHNet website and access helpful resources:
Informative articles
Financial
Interactive health and wellness
Family
instruments
Personal
Health assessments and videos
Mental health information
On-line seminars
Discounts
Visit or call
Online Services Login - Username: ICUBA, Password:
MHNet contact information also found on the back of the BCBSFL card

30. MHNet Provider Search

31. (formerly WALGREENS HEALTH INITIATIVE)
CATAMARAN
(formerly WALGREENS HEALTH INITIATIVE)
Pharmacy Benefit Plan

32. 24/7 customer service for members
CATAMARAN
Pharmacy Benefit Plan
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. 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
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
You will receive a PML- Pharmacy Medication Categories Guide [formulary list] from Catamaran when you enroll in benefits along with your ID card
When 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 PML
It’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 plan
24/7 customer service for members

33. Catamaran™ Pharmacy Benefits Benefit Tiered Copays
Pharmacy benefit plan offers three tiers of drugs – these determine your copay
Have your doctor consult the Preferred Medication List for the lowest cost generic or brand medications available for your therapy
Out of pocket maximum is $2,000 per individual and $4,000 per family
Tier
Co-pay
30 day Retail/Mail Order/ 90 day Retail
Definition
1st Tier:
Generics
$5/10/10
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.
2nd Tier:
Preferred
$27/50/60
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.
3rd Tier: Nonpreferred
$60/120/145
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.
Visit or call Member Services at
Use 90 day mail order and save money! Call

34. CATAMARAN www.mycatamaranrx.com 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
After 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 more
Some RX will require authorization
After 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 things
1. Pay for the Rx out of pocket and file a paper claim for reimbursement later or
2. Contact HR4U ad and tell the Shared Services representative you need an Rx urgently. We do reserve this for emergency situations.

35. CATAMARAN

36. 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
Note: 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 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:

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 $2,500
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
The 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 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 15th, file claims by June 30th
File your claims online at
The 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.

41. DENTAL / VISION / OPTIONAL BENEFITS

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 ID
Changes 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 Option
Preventive Plus
High Option PPO
100 / 80
In-Network; Same benefit Out of Network but you may be balanced billed on amounts over Usual and Customary
100 / 80 / 50 / 50
In-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 services
No waiting periods
Claim forms may be required
You can use any dentist you choose
You 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 services
Out of Network Dentist reimbursed
at 90% of Usual and Customary
The NSU Faculty Dental Practice participates in the PPO Plans - not the DHMO
The NSU Dental (Student) Clinic DOES NOT participate

44. 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
$34.20
Benefits can be obtained at the NSU Dental Faculty Practice Clinic
PPO Plans Accepted Only
(PPO)
(DMO)

45. ADVANTICA EYE CARE PLAN
Benefit
Network
Non-Network
Vision Exam
$5 Co-Pay
Up to $40 Reimbursement (less applicable Co-Pay)
Standard Frames
$15 Co-Pay; Up to $100 allowance less applicable Co-Pay if outside Standard
Reimbursed up to $40
Single Vision, Bifocal and Trifocal Lens
Covered After $15 Co-Pay
Up to $20 for Single Vision, $40 for Bifocal or$60 for Trifocal Reimbursement after Co-Pay
Trifocal Lens
Standard Progressive
$50 Co-Pay
No Benefit
Polycarbonate
Included with Lens Co-Pay up to age 19; over 19, $30 Co-Pay
UV Coating
$12 Co-Pay
Medically Necessary Contact Lens
$250 allowance; $30 fitting fee allowance
Contact Lens (Cosmetic)
$100 allowance; $30 fitting fee allowance
Up to $60 Reimbursement
Frequency Limitations Exams
12 Months
Frequency Limitations Frames
24 Months
Lenses or Contact Lens

46. ADVANTICA EYE CARE PLAN
Rates
PREMIUM
MONTHLY
BI-WEEKLY
Employee
$3.98
$1.99
Family
$10.18
$5.09
Services 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 Insurance
Optional Life Insurance
Short Term Disability
Long Term Disability
Identity Theft Protection
Emergency Travel Assistance

48. BASIC AND OPTIONAL TERM LIFE INSURANCE
Basic – Employer
Optional - 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 employment
Eligible after a 3-month waiting period
Benefit is one times annual salary up to a maximum of $300,000
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 needed

49. OPTIONAL TERM LIFE INSURANCE Rate Chart (1)
Amount of coverage
Age
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
90,000
100,000
00-24
0.47
0.94
1.41
1.88
2.35
2.82
3.29
3.76
4.23
4.70
25-29
0.57
1.14
1.71
2.28
2.85
3.42
3.99
4.56
5.13
5.70
30-34
0.76
1.52
3.04
3.80
5.32
6.08
6.84
7.60
35-39
0.85
1.70
2.55
3.40
4.25
5.10
5.95
6.80
7.65
8.50
40-44
0.95
1.90
4.75
6.65
8.55
9.50
45-49
1.42
2.84
4.26
5.68
7.10
8.52
9.94
11.36
12.78
14.20
50-54
2.18
4.36
6.54
8.72
10.90
13.08
15.26
17.44
19.62
21.80
55-59
4.08
8.16
12.24
16.32
20.40
24.48
28.56
32.64
36.72
40.80
60-64
6.26
12.52
18.78
25.04
31.30
37.56
43.82
50.08
56.34
62.60
65-69
12.50
25.00
37.50
50.00
62.50
75.00
87.50
100.00
112.50
125.00
70-74
150.00
175.00
200.00
225.00
250.00
75+

50. OPTIONAL TERM LIFE INSURANCE Rate Chart (2)
Amount of coverage
Age
00-24
25-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
75+
110,000
120,000
130,000
140,000
150,000
160,000
170,000
180,000
190,000
200,000
5.17
5.64
6.11
6.58
7.05
7.52
7.99
8.46
8.93
9.40
6.27
6.84
7.41
7.98
8.55
9.12
9.69
10.26
10.83
11.14
8.36
9.88
10.64
11.40
12.16
12.92
13.68
14.44
15.20
9.35
10.20
11.05
11.90
12.75
13.60
14.45
15.30
16.15
17.00
10.45
12.35
13.30
14.25
17.10
18.05
19.00
15.62
17.04
18.46
19.88
21.30
22.72
24.14
25.56
26.98
28.40
23.98
26.16
28.34
30.52
32.70
34.88
37.06
39.24
41.42
43.60
44.88
48.96
53.04
57.12
61.20
65.28
69.36
73.44
77.52
81.60
68.86
75.12
81.38
87.64
93.90
100.16
106.42
112.68
118.94
125.20
137.50
150.00
162.50
175.00
187.50
200.00
212.50
225.00
237.50
250.00
275.00
300.00
325.00
350.00
375.00
400.00
425.00
450.00
475.00
500.00

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 nationals
Eligible after 3-month waiting period and
benefits paid at 60% of employee’s salary
Eligible after 6-month waiting period and benefits paid up to 60% of employee’s salary
7 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 Disability
Pre-existing limitations may apply and conversion available on termination
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.

52. 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

53. 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
Examples 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 RX
You are in another country or state and are in a MVA or have an injury which requires air ambulance
You or a family member call the 800# and tell assist America arrange the services
You absolutely cannot arrange services and receive reimbursement at a later date

54. NSU 401(k) RETIREMENT PLAN

55. NSU 401(k) RETIREMENT PLAN (RETIREMENT MANAGER)
A secure way to enroll and make changes to the NSU Retirement accounts at
Comprehensive 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 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)
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 visiting
If 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) CONTRIBUTIONS
University matching contributions begin after one year of service
EMPLOYEE
EMPLOYER BASIC
EMPLOYER
SAFE HARBOR MATCHING
MATCHING
TOTAL
& 0% 2% 1% 4% 5% 6% 8% 3%
11%
10%
14%
100% Vested Immediately
3 yr. Vesting from Date of Hire
Enroll and make changes to the NSU Retirement accounts by visiting

58. Employee Discount Provided by Abenity
“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
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.
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 protection
Some help with legal issues such as speeding tickets, identity theft, divorce, landlord disputes and simple wills.
Employee Discount Provided by Abenity
View additional information on benefits webpage /index.html

59. NSU / ICUBA Health and Wellness Benefits Member Cards
Florida Blue Medical Insurance
Catamaran Prescription
Drug Plan
Advantica Eyecare Plan
Humana Dental Plan
ICUBA Cares MasterCard™
*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.

60. ICUBA Partners Company Benefit Contact ID Card? 877-398-5816
Health Insurance OR
Yes
Prescription Drug Plan
(formerly Walgreens & Catalyst)
Member Services:
Mail Order:
Mental Health, Substance Abuse and Employee Assistance Program
Back of BCBS Card 60

61. ICUBA Partners : Company Benefit Contact ID 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
Term Life, AD&D and Short and Long Term Disability Insurance
Contact Benefits Department : 61

62. 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 for retirement supplemental, dental and vision plans
Employees working 28 hours or more per week are eligible for *retirement matching, medical, dental, and vision plans
If 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 PRESENTATION
If you have any questions, please the
Office of Human Resources Shared Services at
or 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