1. OPEN ENROLLMENT
Membership in ICUBA allows Nova Southeastern University to provide employees access to affordable healthcare designed to promote wellness and early access to preventive care. The coverage offered at NSU is comparable to gold level plans available on the healthcare marketplace.
Benefit summaries and plan information are available online at
For questions or login assistance or call HR4U (4748)

2. Benefit Enrollment Portal
Enroll online at
Single Sign On feature for benefits:
Medical (after registration)
Behavioral Health and EAP (after registration)
Pharmacy
Employee Wellness
ICUBA MasterCard
Username: JDoe12345
Password:

3. Healthcare & Wellness at NSU
For healthcare coverage, employees must be in a benefit eligible position working a minimum of 28 hours per week to enroll in healthcare coverage or flexible spending accounts

4. Employee Wellness at NSU
NSU has a dedicated Employee Wellness Program Administrator promoting educational opportunities and programs designed to engage employees while keeping them well.
Wellness Programs are available throughout the year at various campus locations and online, some sessions count as “onsite events” and allow healthcare participants to earn incentives for attending.
Wellness Programs are made available to all employees at NSU regardless of enrollment in healthcare coverage.
Employee Wellness incentives are integrated to healthcare claims, available incentives are credited once claims are processed by BlueCross BlueShield and Rally. Additional incentives are available for attending on-site events online or at a campus location.
For more information visit the Wellness page online at

5. BlueRewards Powered by Rally

6. Dependent Verification
Your legally recognized spouse or domestic partner
Your natural child
Your legally adopted child
Your stepchild who resides with you
A child required to be covered pursuant to a Qualified Medical Child Support Order
A child with proof of legal guardianship who resides with you
A foster child
Social Security Numbers are required for all dependents covered
A child is a dependent until the end of the calendar year in which the age of 26 is attained – OR is over 26 years of age and is no longer capable of self-support because of a Disability.

7. Healthcare BlueCross BlueShield
If you choose to elect healthcare coverage
Your new card should arrive in the mail in a plain white envelope within 7 business days of enrollment
If you do not receive your new card you can request new cards and access your member ID online
Once you have registered online, single sign on features will be available in
BCBS Customer Service –
BCBS PPO Network Provider Information –
24/7 Essential Advocate –
Provider Service –
Behavioral Health, Substance Abuse, and EAP verification
Services are verified using the number on the back of the BCBS card
Services are NOT administered by BCBS – AETNA is the provider!

8. Healthcare Premium
Preferred PPO
NSU monthly contributions to medical premium & HRA
Employee contributions to medical coverage monthly and per pay
Premium contribution
HRA contribution
Monthly premium
Per pay period
Employee Only Coverage
$471
$50
$87
$43.50
Employee & Spouse Coverage
$593
$100
$296.50
Employee and Child(ren)
$624
$381
$190.50
Family Coverage
$797
$765
$382.50
* Special rates apply for 2 eligible NSU employees with dependent children. for information about the premium and eligibility requirements
HRA contributions are made by NSU to all employees enrolled in Healthcare coverage and are deposited monthly to your ICUBA Healthcare MasterCard by NSU starting at the end of your 2nd month of enrollment.
Coverage begins on your date of hire, not the date you make your elections!

9. ICUBA Cares Free In-network Benefits
Electrocardiograms
Echocardiograms
Mammograms
Colonoscopies
Sigmoidoscopies
Immunizations
Allergy Injections
Bone Mineral Density Tests
Ultrasound of the breast
Blue Physician Recognition primary care visits
Prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution
Aspirin for adults with valid prescription
Prescribed generic folic acid and generic pre-natal vitamins for pregnancy
Lab tests
Pap tests
Urinalysis
Colorectal screenings
Prostate cancer screenings
Employee Assistance Program available to all NSU employees and household members
Up to 6 in-person counselling sessions per issue per year
Assistance available 24 hours a day, 7 days per week
Call and select option #1

10. No Deductible is applied to these services at NSU
How the Plan Pays
No Deductible is applied to these services at NSU
Prescription Drugs ($0 for generic Rx at NSU Pharmacy)
Coinsurance for in-Network Primary Care Physician Office Visits
Coinsurance for in-Network Outpatient Therapy and Chiropractic Visits
Small copay for retail quick service or Urgent Care visits
Copay for Emergency Room visits
Coinsurance for Emergency Transportation
Coinsurance for mental and behavioral health
Lab tests and blood tests through Quest Diagnostics are covered at 100%

11. Behavioral Health Aetna
Mental and Behavioral Health coverage is attached to your healthcare coverage at NSU/ICUBA and administered through AETNA.
For member services and to verify provider participation, call
Option 1 for Employee Assistance Program
Option 2 for Behavioral Health
To verify providers online login to
In the Single Sign On window click the link labeled “Aetna Behavioral Health Portal”
After registering for access the Single Sign On feature will be enabled and employees can search for in-network providers
Transition from EAP assistance to medical is available to participating employees.

12. Deductible and Out of Pocket Maximum
Out of Pocket Costs
$10 Copay
Quick service retail locations such as Walgreens and CVS
$30 Copay
Freestanding Urgent Care centers (check providers online)
$300 Copay
Emergency Room visits, copay is waived if admitted
20% Coinsurance
Coinsurance is the % of the contracted rate we pay for applicable services
Deductible and Out of Pocket Maximum
$2,000 individual deductible and $3,500 Out of Pocket Maximum for each plan year (a plan year begins on April 1 and ends on March 31 of the following year

13. Prescription Coverage Optum Rx $0 Generic Rx at NSU Pharmacy
Prescription Costs
$0 Generic Rx at NSU Pharmacy
Generic
$5/30 day
$10/90 day
Preferred
$27/30 day
$50/90 day
Non-Preferred
$60/30 day
$120/90 day
Prescription coverage is part of your healthcare coverage at NSU and is provided Optum Rx.
Single sign on is enabled through where you can print temporary ID cards, request new or replacement ID cards, and estimate prescription costs
Generic prescriptions are $0 at NSU Pharmacy for all ICUBA members
Click on the image for directions to the NSU Pharmacy
NSU Pharmacy
Sanford L. Ziff Center
3200 S. University Drive
Davie, FL 33328

14. HCFSA DCFSA Flexible Spending Saves Money
Health Care Flexible Spending Account
HCFSA
Dependent Care Flexible Spending Account
DCFSA
Funded by employee with pre-tax $$$
Available for immediate use
Can be used for employee and eligible dependent medical expenses
Use-it-or-lose-it, no annual carry over
HCFSA funds are used prior to HRA funds if enrolled in NSU health care coverage
HCFSA maximum annual limit is $2,600
Funded by employee pre-tax $$$
Available each pay period
Dependent children under age 13 & adult disabled dependents
NOT FOR HEALTH CARE EXPENSES!!
Used for daycare, aftercare, summer camp
DCFSA maximum annual limit is $5,000
HCFSA Elections are for HEALTH CARE
Examples for how to use HCFSA
Health Care & Prescription Co-pays
Dental & Vision Care
Durable Medical Equipment
DCFSA Elections are for PHYSICAL CARE
Examples for how to use DCFSA
Preschool payments
Aftercare payments
Gap camp (summer camp)
HRA is provided by NSU when enrolled in Health Care, employees cannot contribute to the HRA.
HCFSA is available to eligible employees, enrollment in Health Care is not required for participation.
DCFSA is available to eligible employees, enrollment in Health Care is not required for participation

15. Dental and Vision at NSU
Eligible employees must be in a benefit eligible position working a minimum of 19.2 hours per week to enroll in dental and/or vision coverage.

16. Dental Care Humana PPO High Dental Humana Dental
Dental PPO High Option
Dental PPO Low Option
Dental HMO
CS250 Option
Monthly premium
Per pay
period
Employee Only Coverage
$36.68
$18.34
$19.48
$9.74
$10.98
$5.49
Employee + One Dependent
$73.04
$36.52
$45.28
$22.64
$22.02
$11.01
Family Coverage
$122.84
$61.42
$74.96
$37.48
$34.20
$17.10
PPO High Dental
Plan year maximum $2,000
In and out of network providers
Deductible
$50 Individual/$150 Family
Plan pays
In & out of Network
Preventive 100%
Basic 80%
after deductible
Major 50%
$2,000 lifetime
maximum for orthodontia
 Preventive Plus PPO
Plan year maximum $1000
In and out of network providers
Deductible
$50 Individual/$150 Family
Plan pays
In & out of Network
Preventive Services
Covered at 100%
Basic services
Covered at 80% after deductible
Discount available for major services
In-network Only
*subject to provider discretion
Discounted orthodontia coverage
Dental HMO CS250
No charge for periodic exams
Resin based composite
$40
Sealant - per tooth
$15
Inlay – metallic
$115
Crown - porcelain/ceramic
$310 + lab fees
Complete denture – maxillary
$325 + lab fees

17. Vision Care Advantica Advantica In-Network Coverage Advantica Eye Care
Vision Exam
$5 Copay
Standard Frames
$15 Copay; $100 allowance
Single Vision, Bifocal, Trifocal,
and Lenticular Lenses
$15 Copay
Standard Progressive Lens
$50 Copay
Contact Lenses - Medically Necessary (in lieu of eyeglasses and elective contact lenses)
$15 Copay; $250 materials allowance;
$30 fitting fee allowance
Contact Lenses – Elective
(in lieu of eyeglasses)
$15 Copay; $100 materials allowance;
Advantica Eye Care
Vision Buy-Up
Plan Option
Basic Vision
Monthly premium
Per pay
period
Employee Only Coverage
$4.78
$2.39
$3.98
$1.99
Family Coverage
$12.22
$6.11
$10.18
$5.09
Advantica Basic Vision Care
Vision exams every 12 months
Eyeglass lenses every 12 months
Frames every 24 months
Contact lenses every 12 months
Advantica Buy Up Option
Vision exams every 12 months
Eyeglass lenses every 12 months
Frames every 12 months
Contact lenses every 12 months

18. Retirement Savings at NSU

19. Retirement Savings (401k)
Employees who are eligible, working 19.2 hours or more per week and have attained age 21, can contribute to the 401(k) Retirement Savings Plan at Nova Southeastern University.
Employees who are eligible working 19.2 or more hours per week, have attained age 21, and have completed one year of service at Nova Southeastern University are eligible for matching and employer contributions in the 401(k) Retirement Savings Plan at Nova Southeastern University.
For more information about Retirement Savings at NSU visit the Retirement page online at
An interactive Brainshark presented by TIAA is available online at

20. If employees contribute 0% after 1 year…
contribution is
0% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
0% =
Total NSU contribution 2%
If employees contribute 0% after 1 year… 2%
(vested after 3 years)
TOTAL RETIREMENT SAVINGS

21. If employees contribute 1% after 1 year…
contribution is
1% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
1% =
Total NSU contribution 4%
If employees contribute 1% after 1 year…
(vested after 3 years) 5%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

22. 8% 6% 2% = If employees contribute 2% after 1 year…
contribution is
2% +
NSU basic contribution of
NSU Safe
Harbor Match of
NSU additional
match of
2% =
Total NSU contribution 6% 8%
If employees contribute 2% after 1 year…
If employees contribute 2% after 1 year…
(vested after 3 years)
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

23. 11% 8% 3% = If employees contribute 3% after 1 year…
contribution is
3% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
3% =
Total NSU contribution 8%
If employees contribute 3% after 1 year…
(vested after 3 years)
11%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

24. 14% 10% 4% = If employees contribute % after 1 year…
contribution is
4% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
4% =
Total NSU contribution
10%
If employees contribute % after 1 year…
(vested after 3 years)
14%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

25. Additional Benefits at NSU

26. Additional Benefits
NSU Provides these benefits after 90 days to eligible employees working 19.2 hours or more per week
Group Term Life Insurance (age reduced)
Short Term Disability Program
Long Term Disability Insurance
Tuition Waiver (% varies by program)
Discounts through Abenity
Voluntary Benefits
Optional Life Insurance (age banded rates and age reduced)
AFLAC
Prepaid Legal through Legal Shield
Comprehensive benefit summaries are available online for all of the plans outlined in this presentation. For more information visit For general questions or login assistance or call HR4U (4748)

27. http://ICUBAbenefits.org Enroll online at
Ask Emma is a decision support tool in the enrollment portal and can be disabled when enrollment begins

28. Thank you for attending!
Please feel free to ask any questions – we are here to help.