Presentation on theme: "“Better Benefits Through Collaboration”"— Presentation transcript:
1 “Better Benefits Through Collaboration” Open Enrollment for Plan Year April 1, March 31, Open Enrollment Period: February 17, 2014 to February 28, 2014Celebrating 12 Years of“Better Benefits Through Collaboration”
2 Welcome to the 2014 Open Enrollment Season for the Plan Year April 1, 2014 – March 31, 2015
3 Brand PartnersCompanyBenefitContactID Card?Health InsuranceYesPrescription Drug PlanMental Health, Substance Abuse/ Employee Assistance ProgramBack of Florida Blue CardDental Insurance(PPO)(DHMO)Eye Care PlanTerm Life, AD&D and Short and Long Term Disability Program and InsuranceContact Human ResourcesNoFlexible Spending Plans:Health Care Spending AccountDependent Care Spending AccountHealth Reimbursement AccountICUBA Benefits MasterCard®Member ID Health Cards can be printed online or stored to your smart phone!
4 Health Care ReformEnrollment in an ICUBA Medical Plan satisfies the requirement for having coverageICUBA Medical Plans are equivalent to Gold Plans offered on the Public Marketplace ExchangesICUBA has lower out-of-pocket costs, broader networks of providers, pre-tax benefits, employer contributions into HRA’s, and more generous FREE wellness benefits.No pre-existing condition limitations effective April 1, 2014All other requirements of Health Care Reform are in place
5 Same Great ICUBA Benefits in 2014 Florida Blue™ Medical PlansCatamaran™ Pharmacy Benefits and NetworkMHNet™ Behavioral Health, including Employee Assistance ProgramICUBA Benefits MasterCard™Advantica EyecareHumana Dental PlansFree in-network benefits such as lab tests at Quest Diagnostics, immunizations, and other preventive/wellness services, including FREE diabetic suppliesNo copay or coinsurance for wellness office visitPrescribed Aspirin (for adults), and folic acid and generic pre-natal vitamins (for pregnancy) are covered at no cost to you under the prescription drug planFlorida Blue™ “Know Before You Go” at (888)Blue 365® from Florida Blue™ atSummary of Benefits and Coverage (SBC)
6 What’s New? Enhancements effective 4/1/14 NEW NAME for the PPO Risk/Reward Plan - Preferred PPO PlanFREE tobacco cessation benefitFREE office visits at Blue Physician Recognition™ providersFREE coverage of ESSURE for womenNEW LOW COPAY for 90-day retail prescription fill (same 90-day mail order)NEW AND IMPROVED wellness programADDITIONAL ADVANTICA VISION PLAN - with a 12 month frame optionPRENATAL OFFICE VISIT - $20 co-pay added to the Preferred PPO for initial prenatal office visit - just like the PPO 70. All remaining prenatal office visits in the same plan year are FREE. Delivery fees are based upon plan design and subject to applicable deductible, coinsurance, and co-pays.
7 Call the EAP 24-hours a day at 1.877.398.5816 FREE ICUBA Cares™ In-Network BenefitsICUBA medical plans provide generous wellness benefits beyond those required by law. Each plan year you may receive a FREE Annual Physical and/or FREE Annual Gynecological Exam. All of the following benefits are always FREE to Members regardless of your health condition, age, gender or number of times you receive the medically necessary service:Lab TestsPap TestsUrinalysisColorectal ScreeningsProstate Cancer ScreeningsPrescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution, needles, and syringesAspirin for adults with a physician prescriptionPrescribed generic folic acid and generic pre-natal vitamins for pregnancyElectrocardiogramsEchocardiogramsMammogramsColonoscopies and SigmoidoscopiesImmunizationsAllergy InjectionsBone Mineral Density TestsEmployee Assistance Program for available to all benefit-eligible employees and household members. Call the EAP 24-hours a day atReceive up to six free face-to-face counseling sessions per presenting issue per plan year.NEW$0 copay for all office visits to Blue Physician Recognition™ provider$0 copay for two courses of treatment per plan year for tobacco cessation
8 Plan Similarities Plan Differences PPO Plan ComparisonPlan SimilaritiesPlan DifferencesCatamaran Prescription Drug Benefit (Same low co-pays for 90-day fill by mail or retail)All Free ICUBA Cares™ Wellness Benefits24/7 Health Information HotlineER & Urgent Care BenefitsPlan RulesFree office visits to Blue Physician Recognition™ providersFree Tobacco Cessation BenefitSame $20 copay for initial Maternity VisitPremiumsDeductiblesCoinsuranceCo-pays (except maternity visits)Annual Out-of-Pocket MaximumsHRA ContributionsThe three PPO plan designs are the same. The prescription drug benefit, wellness benefits and provider network are the same for all plans.
9 Definitions:Blue Physician Recognition™ (BPR): Personal physician (Family Practice, General Medicine, Internal Medicine, and Pediatrics) who coordinates all aspects of patient care and who meets NCQA quality measures and is designated as a participating Blue Physician Recognition™ provider by Florida Blue.Deductibles: The cumulative amount that you must pay in the Plan Year before benefits will be paid by the Plan. No Deductibles for Physician office visits, Therapy office visits, Urgent Care visits, Emergency Room visits and Prescription Drugs.Coinsurance: The percentage of a covered expense that you pay after the satisfaction of any applicable deductible. For example, the plan may pay for 70% of covered services and you pay 30%.Copays (Co-payments): The fixed dollar amount you are required to pay each time a particular service is used. The copay does apply to out-of-pocket but does not reduce amounts applied to the deductible or co-insurance.Plan Year: The plan year runs from April 1, 2014 through March 31, 2015.Annual Out-of-Pocket Maximum: The maximum amount of deductible, co-insurance and co-payments during any Plan Year that you pay before the Plan begins to pay 100% of Covered Expenses for the balance of the Plan Year.Flexible Spending Account: A Health Care or Dependent Care Spending account in which you put aside pre-tax dollars to pay for eligible expenses.
10 Preferred PPO Blue Options Side by Side Plan ComparisonPlan YearPPO 70 Blue OptionsPreferred PPO Blue OptionsNetworkNon NetworkDeductible Individual/Family$1,000/$2,500$1,500/$4,000$2,000/$4,000$3,500/$9,750Coinsurance30% after deductible50% after deductible20% afterdeductible40% after deductibleOut of Pocket Maximum (includes all medical co-pays, deductibles, and coinsurance)$3,000/$6,000$6,000/$12,000$3,500/$7,000$7,000/$14,000Blue Recognition Office Visits(includes General Practice, Family Practice, Internal Medicine, and Pediatrics)$0N/APhysicians Office Visit(includes General Practice, Internal Medicine, Family Practice, Pediatrics, and OB/GYN)$20 co-pay;no deductible20%Maternity Office Visits$20 co-pay per plan year; not subject to deductible
11 Preferred PPO Blue Options Side by Side Plan ComparisonPlan YearPPO 70 Blue OptionsPreferred PPO Blue OptionsNetworkNon NetworkSpecialist Office Visit, including Chiropractors and Therapists$30 co-pay;no deductible50% after deductible20%; no deductible40% after deductibleWellness Exam$0Not CoveredOutpatient Diagnostic Imaging$100 co-pay and30% after deductible20% after deductibleUrgent CareEmergency Room Services$100 co-pay(waived if admitted)Hospital Inpatient$250 co-pay, and$500 co-pay and 50% after deductible40% after deductible
12 Employee Contribution Preferred PPO Blue Options The ICUBA premium increases are 3.6% + 1.2% in new taxes = a total of 4.8%. Rate increases in the Florida market are averaging 9% this year. Preferred PPO and PPO 70 Plan PremiumsCoverage TierTotal Monthly PremiumNSU ContributionEmployee ContributionMonthly PremiumMonthlyHRABi-weekly PremiumPreferred PPO Blue OptionsEmployee$$$$$Employee & Spouse$ 1,022.00$$$$Employee & Child(ren)$$$$Employee & Family$ 1,431.00$$$Dual Enroll (Husband & Wife Employed by NSU) Family$$$$PPO 70-Blue Options$$$$$$ 1,312.00$$$$$ ,182.00$$$$ 1,838.00$$ ,178.00$$$$$
13 Making a Choice Estimating Your Financial Risk Coverage/TierAnnualPremiumOut of pocketmaximum (OOP)MedicalmaximumpharmacyPremium +OOPNSU HRAcontributionEstimatedin-networkfinancial riskEMPLOYEE ONLYPPO 70 Blue Options$2,844.00$3,000.00$2,000.00$7,844.00$300.00$7,544.00Preferred PPO BlueOptions$$3,500.00$6,478.00$600.00$5,878.00EMPLOYEE & SPOUSE$10,398.00$6,000.00$4,000.00$20,398.00$$19,798.00$6,132.00$7,000.00$17,132.00$1,200.00$15,932.00EMPLOYEE & CHILD(REN)$8,148.00$18,148.00$17,548.00$4,374.00$15,374.00$14,174.00EMPLOYEE & FAMILY$14,136.00$24,136.00$23,536.00$8,586.00$19,586.00$18,386.00
14 Pay Only the Proper Amount of Your Out-of-Pocket Expenses If you are going in for your wellness visit, make sure you have a discussion with your doctor/office staff to have the visit filed as a wellness claim.If you are using a Blue Physician Recognition™ provider, All office visits are FREE and your doctor should not collect a co-payment.All In-Network Maternity office visits are free after the initial office visit co-payment per plan year. Care Consultants will advocate on your behalf. Remember to enroll with Healthy Additions.If you are billed for a facility fee for an office visit or are billed for an annual physical or annual gynecological exam, please advocate on your behalf and contact Florida Blue™ Customer Service at 1 (800) and have the claims properly adjusted.Always pay your provider based on the Member Health Statements available to you at as a registered member.
15 3 FREE OFFICE VISITS FOR ALL CARE When you are using a Blue Physician Recognition™ provider, all office visits are FREE. Your doctor should not collect a co-payment.How to locate a Blue Physician Recognition Provider™:Go to Florida Blue atClick the Find a Doctor tabSelect a Primary/Family Care DoctorCheck the box for Blue Physician Recognition™ providers in order to narrow down your search to National Committee on Quality Assurance (NCQA) Primary Care Physicians (PCP).NSU Primary/Family Care Physicians participate in this program
16 CALL: The Care Consultant Team at 1 (888) 476-2227 A convenient way to verify the cost of an office visit or procedure.Members have a choice when accessing the tool:CALL: The Care Consultant Team at 1 (888)CLICK: Visit and click on Members, login with your user name and password, then select compare medical costsVISIT: A Florida Blue CenterCall 1 (877) for a locationnear you
17 Mobile Apps App Features Find a doctor, hospital and Map of location (GPS based)Get your plan details on the goAccess and view an image of your Member ID card.Fax or ID CardClaims AccessibilityHealth Coach24-hour Nurse Line/Care ConsultantsHealth News & ViewsHealth Check Guidelines.Our mobile web and apps offer services for everyone - members and non-membersThe goal of mobile is to engage & inform our consumers so they understand how to stay healthy and get the most of their healthcare and have informed conversations with their care providers
18 Pharmacy Benefit: Understanding Your Tiered Copays Your Catamaran™ pharmacy benefit plan offers three categories or tiers of drugs that determine your cost share or copay.Whenever possible, have your doctor consult your Preferred Medication List for the lowest cost generic or brand medications available for your therapy.You may visit or call member services atTierCo-pay30 day Retail/90 day Retail or Mail OrderDefinition1st Tier: Generics$5/10Generics 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$27/50Medications 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$60/120Because 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.Maximum annual plan year out-of-pocket for prescription drug co-pay is $2,000 per individual; $4,000 for family. 90-day prescriptions are available at the same co-pay at retail and mail order.Remember 90 day prescriptions save you money!
19 Catamaran Member Portal ™Catamaran Mobile App:Free of chargeFind the lowest cost drug and pharmacy optionsView prescription historyKey Features:Fill-My-Scripts is a reminder to fill prescriptions.Take-My-Meds is a reminder to takemedications.Mobile Advocate is designed to mimic behaviorof provider to elicit action and participation.Web-enabled access:Refill Rxs from Catamaran Home DeliveryObtain a list of preferred medications tomaximize savingsPerform test co-pays for RxsView prior authorization history
20 Catamaran Mobile App Good health is in your hands. The Catamaran™ Mobile App provides easy, on-the-go access to your personalized health information. Once you receive your pharmacy ID card, download the app to take advantage of the benefits your pharmacy plan offers.With the Mobile App in your pocket:Never miss a dose! Set reminders to take your prescription or over-the-counter medications.Stay on top of medication refills. See when refills are due, get refill reminders and quickly contact your pharmacy.Show your doctor exactly what medications you are taking.Pull up your medication history anytime.Learn about medication side effects and interactions.Find network pharmacies by zip code or location, then check and compare current prescription prices.Keep your mind sharp with a Brain Quiz and brain games.Have one-touch access to your electronic pharmacy ID card.Order refills from Catamaran Home Delivery.Get the app by searching for Catamaran at the Apple App Store or the Google Play Store or scanning the QR code.
21 Catamaran™ Pharmacy Benefits Free Generic Drugs at NSU Pharmacy Full service pharmacyAccepts 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:
22 Behavioral Health, Substance Abuse and EAP Benefits Free Employee Assistance Program (EAP) services (up to six counseling sessions per issue per plan year) are available to ALL benefit-eligible employees and members of your household. You do not need to be enrolled in any ICUBA benefit plan in order for you or a household member to access EAP services.Client Connect® Provider Matching Service assists members in locating an appropriate provider for their current situation.The MHNet website has many helpful resources including informative articles; interactive health and wellness instruments; health assessments and videos; family, personal, and mental health information; on-line seminars; discounts to vendors and community resources.To contact MHNet, callTo access the website, go toUsername: ICUBA - Password:MHNet contact information can be located on theback of the Florida Blue ID card.
23 Tobacco Cessation Program * NEWTobacco Cessation ProgramFree Prescription MedicationsMember chooses to participate in the Tobacco Cessation programMember calls to enroll with“Next Steps” program withFlorida BlueMember calls “Next Steps” Health Coach and obtains an Rx from physicianFlorida Blue notifies Catamaran of Member participationMember obtains Tobacco Cessation medications at$0 co-pay, 2 cycles perPlan Year
24 THE IQUIT TOBACCO PROGRAM PROVIDED BY FLORIDA AHEC NETWORKFree over-the-counter nicotine replacement therapy (NRT) and face-to-face supportTo locate/register for an IQuit Tobacco Program in your area call (1-87-Quit Now-6) or visit
25 Watch for more information coming from your Wellness Committee soon! IntroducingWellness programBeginning April 1, 2014, you will have the opportunity to earn points redeemable for a host of wellness, entertainment, food, apparel, jewelry, and other consumer goods by meeting a variety of self-selected health goals.You may earn points if you:Complete the Florida Blue biometric screening at your employer health fairComplete your annual physical with your personal physicianUtilize a Florida Blue online health toolAttend an employer sponsored wellness eventThe choice is yours on how you earn points and select prizes.Watch for more information coming from your Wellness Committee soon!
26 HRA and HCSA Differences Health Reimbursement AccountHealth Care Spending AccountFunded by NSUFunded by employee pre-tax dollarsAvailable for PPO 70 and PreferredPPO PlanCan be used for employee and eligible dependent medical expensesFunds rollover at the end of each plan year indefinitelyNo carry-over of funds from yearto year (by law)Use-it-or-lose-itPortable after 36 months of continuous participationHCSA funds expended before tapping into HRA fundsCan have HRA alone with no FSACan have HCSA and no HRAHCSA allowable amounts limited to $2,500 under Health Care Reform
27 Dependent Care Spending Account Funded by employee with pre-tax contributions and used to pay for qualified dependent care expenses.Maximum annual limit of $5,000.Dependents: dependent under age 13, physically or mentally challenged adults who are unable to care for themselves.Funds available by using the ICUBA Benefits MasterCard®.File your claims online atSubject to use-it-or-lose-it rule.Funds are available as they are deducted from payroll.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 MBI bank and administered by Outsource One 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.
28 Dental & VisionHumana Dental Plans are exactly the same and the prices are not changing from last year.Advantica Vision Plans the current plan benefits and costs remain the same as last year. A second plan with an enhanced frame benefit has been added.
29 High Option PPO Dental Plan Two additional preventive cleanings for a total of four cleanings per year.Two periodontal cleanings per year to be covered at preventive levels of benefits.Coverage for composite fillings on all teeth.Addition of an Extended Annual Maximum Benefit paying 30% coinsurance after the annual maximum benefit is met.High Option PPO PlanIn-NetworkOut-of-NetworkPlan Year Deductible – Single / Family$50 / $150Deductible Waived for PreventiveYesPlan Year Maximum (excludes orthodontia services)$2,000Preventive Services0%20%Basic Services50%Major Services70%Orthodontia – Adult & ChildOrthodontia Lifetime MaximumHigh Option PPO Dental PlanMonthly Dental RatesEmployee$Employee + 1$Family$122.84Refer to your Dental Summary Plan Description (SPD) for full benefit description.The NSU Faculty Dental Practice participates in this plan.
30 Low Option “Preventive Plus” Plan * Services include amalgam/resin restorations and simple extractions.** Receive a discount on these services if you see participating dentists.Low Option PPO PlanIn-NetworkOut-of-NetworkPlan Year Deductible – Single / Family$50 / $150Deductible Waived for PreventiveYesPlan Year Maximum (excludes orthodontia services)$1,000Preventive Services0%*Basic Services20%**Major ServicesDiscountNot CoveredLow Option “Preventive Plus” PlanMonthly Dental RatesEmployee$19.48Employee + 1$45.28Family$74.96**Major Services are not covered under this plan, however you can receive a discount for services if you see participating dentists.Refer to your Dental Summary Plan Description (SPD) for full benefit description.The NSU Faculty Dental Practice participates in this plan.
31 DMO CS250 Plan DMO CS250 Dental Plan In-Network OnlyCalendar Year DeductibleNo deductibleOut of Pocket MaximumNo maximumOffice Visit Copays (during normal business hours)$5 copay per visitPreventive ServicesPlease refer to dental schedule for copay amountsBasic ServicesMajor ServicesOrthodontics – Adult & Child$2,000 Adult; $1,800 Child fixed copayDMO CS250 Dental PlanMonthly Dental RatesEmployee$10.98Employee + 1$22.02Family$34.20Refer to your Dental Summary Plan Description (SPD) for full benefit description.The NSU Faculty Dental Practice DOES NOT participate in this plan.Refer to your dental SPD for full benefit description
32 Advantica Base Vision Plan The NSU Eye Care Institute participates in this planIn-NetworkOut-of-NetworkVision Exam$5 Co-PayUp to $40 Reimbursement (less applicable Co-Pay)Standard Frames$15 Co-Pay; $100 allowanceReimbursed up to $40 (no Co-pay if included with eyeglass lenses)Single Vision, Bifocal, Trifocal, and Lenticular LensesCovered After $15 Co-PayUp to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-PayStandard Progressive Lens$50 Co-PayUp to $45 reimbursement less Co-paySingle Vision (SV) PolycarbonateIncluded with Lens Co-Pay up to age 19; over age 19, $30 Co-PayUp to $10 reimbursement less Co-pay under age 19UV Coating Lens$12 Co-PayUp to $5 reimbursement less Co-payContact Lenses - Medically Necessary (in lieu of eyeglasses and elective contact lenses)$15 Co-pay; $250 materials allowance; $30 fitting fee allowanceUp to $250 reimbursement (less applicable Co-pay)Contact Lenses – Elective (in lieu of eyeglasses)$15 Co-pay; $100 materials allowance; $30 fitting fee allowanceUp to $60 reimbursement (less applicable Co-pay)Frequency Limitations - Vision ExamsOnce every 12 monthsFrequency Limitations - Eyeglass LensesFrequency Limitations - FramesOnce every 24 monthsFrequency Limitations - Contact LensesApril 1, 2014 – March 31, 2015 Monthly Base Vision Plan PremiumsEmployee$ 3.98Family$10.18
33 April 1, 2014 – March 31, 2015 Monthly Buy Up Vision Plan Premiums Advantica Buy-Up Vision PlanIn-NetworkOut-of-NetworkVision Exam$5 Co-PayUp to $40 Reimbursement (less applicable Co-Pay)Standard Frames$15 Co-Pay; $100 allowanceReimbursed up to $40 (no Co-pay if included with eyeglass lenses)Single Vision, Bifocal, Trifocal, and Lenticular LensesCovered After $15 Co-PayUp to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less Co-PayStandard Progressive Lens$50 Co-PayUp to $45 reimbursement less Co-paySingle Vision (SV) PolycarbonateIncluded with Lens Co-Pay up to age 19; over age 19, $30 Co-PayUp to $10 reimbursement less Co-pay under age 19UV Coating Lens$12 Co-PayUp to $5 reimbursement less Co-payContact Lenses - Medically Necessary(in lieu of eyeglasses and elective contact lenses)$15 Co-pay; $250 materials allowance; $30 fitting fee allowanceUp to $250 reimbursement (less applicable Co-pay)Contact Lenses – Elective (in lieu of eyeglasses)$15 Co-pay; $100 materials allowance; $30 fitting fee allowanceUp to $60 reimbursement (less applicable Co-pay)Frequency Limitations - Vision ExamsOnce every 12 monthsFrequency Limitations - Eyeglass LensesFrequency Limitations - FramesFrequency Limitations - Contact LensesApril 1, 2014 – March 31, 2015 Monthly Buy Up Vision Plan PremiumsEmployee$ ($9.60 in additional annual premium for frames once every 12 months)Family$12.22 ($24.48 in additional annual premium for frames every 12 months)The NSU Eye Care Institute participates in this plan
34 You must complete your enrollment by midnight on February 28, 2014 Member Action PlanTo enroll, logon to and selectYour elections are effective 4/1/2014 and will remain in effect until 3/31/2015 unless you experience a qualified status change.You do not have to make changes to any plan other than your Flexible Spending Account(s).You are allowed to enroll any eligible dependent during this open enrollment.To assist you with your Plan Year elections, you can access the Predictive Modeling Tool by clicking on the link labeled “View Detailed Plan Comparison” on the Medical Election Page.Then, select the tab“Personalized Cost Estimator”You must complete your enrollment by midnight on February 28, 2014
35 Access Links to Individual Benefit Providers on the ICUBA Benefits Portal ICUBA Benefits MasterCard™For information on your FSA or HRA please click on the image.For information or claims associated with your Blue Cross Blue Shield account, please click on the image.To access your Humana Dental account online, please click the image.To view your Catamaran account online click on the image.For information associated with your Advantica Eye care Vision account, please click on the image.To access your MHNet Behavioral Health account online, click the image.
36 Sun Life Optional Term Life Insurance Enroll now or increase your coverage levelElect coverage amount between $10,000 and $200,000 in $10,000 incrementsYour application will be subject to Evidence of Insurability (EOI), access this form throughSun Life will notify you when your application is approved, denied or pending additional informationFirst monthly premium deduction will occur in the first pay of the month following the approval of your coverageIf you do not send an EOI to Sun Life by 4/30/2014 your enrollment request will expireThe value of the policy reduces to 65% at age 65, and 50% at age 70
37 formerly PrePaid Legal Aflacformerly PrePaid LegalOffers 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.“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 webpageNova Southeastern University also offers a legal plan through pre-paid legal 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.
38 We are available to discuss plan details and problem solve with members after the presentation.