New Employee Orientation
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- Augusta Francis
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1 New Employee Orientation NSU is able to offer the marketplace equivalent of gold level health care coverage that provides exceptional value. Employees and their families enrolled in healthcare coverage at NSU can continue to rely on the affordability, stability, and high quality of benefits available through our continued partnership with ICUBA. Benefit summaries and plan information are available online at For questions or login assistance or call HR4U (4748)
2 Total Rewards - Benefits What is Total Rewards? Total Rewards at NSU consists of all of the tools and resources available for employees related to their benefits, compensation, recognition, performance management, work-life effectiveness, and personal & professional development.
3 Free In-network Benefits When covered under the health care plan at NSU, visits to Blue Distinction Total Care Physicians, Annual Wellness exams, and routine labs at Quest Diagnostics, are at no cost to employees. ICUBA also provides access to Nurse Case Management and the Blue Cross BlueShield Essential Advocate at no cost to covered members and in-network maternity visits are covered at 100% after initial visit co-pay. In addition to the benefits covered at 100%, no deductible is applied before the following services are covered under the plan: No deductible for access to Prescriptions No deductible to access in-network primary care, in-network PT/OT, and in-network chiropractic visits No deductible to access Retail/Urgent Care visits No deductible for ER visits (co-pay applies) No deductible for in-network Emergency Transportation Pay your bill based on your Explanation of Benefits (EOB) statement or according to your co-pay schedule. View your EOB, check claims, search for providers and more using the single sign on at
4 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
5 Health Care through BCBS-FL Benefit Summary Preferred PPO Plan Premier PPO Co-pay Plan In-Network Out-of-Network In-Network Out-of-Network Physician Office Visits 20% 40% AD* $25 Co-pay 40% AD* Specialist Office Visits 20% 40% AD* $50 Co-pay 40% AD* Urgent Care Center $30 Co-pay $50 Co-pay Outpatient Therapy PT, ST and OT Outpatient Surgery Office Setting - Physician - Specialist Behavioral Health - Inpatient - Outpatient 20% 40% AD* $30 Co-pay 40% AD* 20% 20% 20% AD* 20% 40% AD* 40% AD* 40% AD* 40% AD* $25 Co-pay $50 Co-pay 20% AD* $25 Co-pay 40% AD* 40% AD* 40% AD* 40% AD* Both plans are PPO plans provided by BlueCross BlueShield Preferred PPO plan has coinsurance for covered benefits Premier PPO plan has copays for covered benefits Comprehensive summaries are available online at *AD = After Deductible, not anno Domini Pay your bill based on your Explanation of Benefits (EOB) statement or according to your co-pay schedule. View your EOB, check claims, search for providers and more using the single sign on at
6 Preferred and Premier PPO Plans COINSURANCE: Coinsurance is the % of the contracted rate we pay for applicable services. Coinsurances apply to both plans for certain services, click on one of the plan summaries for more details. CO-PAY: Fixed costs associated with certain services covered under the plan. Co-pays apply to both plans for certain services, click on one of the plan summaries for more details. DEDUCTIBLE: APPLIES TO BOTH PLANS $2,000 individual deductible each plan year $4,000 Family deductible each plan year OUT OF POCKET MAXIMUM: APPLIES TO BOTH PLANS $3,500 Individual Out of Pocket Maximum each plan year $7,000 Family Out of Pocket Maximum each plan year
7 Health Care Premium Premier PPO Co-pay Premium NSU monthly contributions to medical premium & HRA NSU Contribution NSU/HRA contribution Employee contributions to medical coverage Monthly premium Employee Only Coverage Per pay period $389 $25 $220 $110 Employee & Spouse Coverage $440 $50 $855 $ Employee and Child(ren) $466 $50 $630 $315 Family Coverage $615 $50 $1,091 $ NSU Employees with Children* $855 $75 $850 $425 * Only available for 2 NSU employees insuring eligible dependent children under the healthcare plan Preferred PPO Premium NSU monthly contributions to medical premium & HRA NSU Contribution NSU/HRA contribution Employee contributions to medical coverage Monthly premium Employee Only Coverage Per pay period $490 $50 $90 $45 Employee & Spouse Coverage $617 $100 $617 $ Employee and Child(ren) $648 $100 $396 $198 Family Coverage $829 $100 $796 $398 2 NSU Employees with Children* $1,138 $150 $486 $243 * Only available for 2 NSU employees insuring eligible dependent children under the healthcare plan HRA Contributions are made by NSU when employees are enrolled in health care plans. HRA funds roll over every month and can be used to pay coinsurance, co-pays, and other eligible health care expenses!
8 Blue Distinction Total Care Finding a BDTC Provider is as easy as 1,2,3 oh and 4! Navigate to Login using your ICUBA username and password 1. Click on the link labelled BCBS MyHealthToolkit Portal (you may need to register on your first visit) and scroll down to the Quick Links box 2. Click the Find a Doctor or Hospital link 3. Click the Doctor and Hospital Finder link and enter your alpha prefix (ICI), the provider name, and provider location 4. Select All Blue Distinction and your search results will include all Blue Distinction Total Care Physicians When searching for providers online (either through the ICUBA portal or directly at Look for the BDTC designation under quality recognitions for your healthcare provider!
9 Prescriptions through OptumRx Prescription Coverage provided through Optum Rx Retail: up to 30- day supply Retail: up to 90- day supply Mail Order: up to 90-day supply Preferred Generics at NSU Pharmacy $0 $0 N/A Preferred Generics $5 $10 $10 Non-Preferred Generics $10 $20 $20 Preferred Brand $40 $80 $80 Non-Preferred Brand $75 $150 $150 NSU Pharmacy Sanford L. Ziff Center 3200 S. University Drive Davie, FL Specialty* $75 N/A N/A * Specialty medication available through Briova is only dispensed at a maximum of 30-day supply. For more information visit - single sign on is enabled for Optum Rx Talk to your pharmacist about using generic prescription medications! Generic prescriptions have the same active ingredients as their brand name counterparts and can help you save money on out of pocket expenses!
10 Behavioral Health through Aetna Accompanies health care coverage but provided by Aetna Same provider for Behavioral Health & Substance Abuse and the Employee Assistance Program (EAP) Transition from EAP to an in-network Aetna provider is available to employees enrolled in healthcare coverage Call one number for BOTH benefits Option 1 for Employee Assistance Program Option 2 for Behavioral Health Employees can find behavioral health providers through Aetna at or by calling ICUBA members have access to all Aetna providers for Behavioral Health *The EAP is available to all employees at NSU! Employees do not have to be enrolled in health care coverage to use the EAP and take advantage of the six, in-person counseling sessions available PER ISSUE PER YEAR!
11 Flexible Spending Accounts Health Care Flexible Spending Account HCFSA Funded by employee with pre-tax $$$ Available for immediate use Can be used for employee and eligible dependent medical expenses Use-it-or-lose-it, no annual carry over HCFSA funds are used prior to HRA funds if enrolled in NSU health care coverage HCFSA maximum annual limit is $2,600 Dependent Care Flexible Spending Account DCFSA Funded by employee with pre-tax $$$ Available each pay period Dependent children under age 13 & adult disabled dependents NOT FOR HEALTH CARE EXPENSES!! Used for daycare, aftercare, summer camp Use-it-or-lose-it, no annual carry over DCFSA maximum annual limit is $5,000 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 Examples for how to use HCFSA Health Care & Prescription Co-pays Dental & Vision Care Examples for how to use DCFSA Preschool payments Aftercare payments Durable Medical Equipment Gap camp (summer camp) Flex Accounts help save money, they are deducted pre-tax!
12 Employee Wellness Program NSU has a dedicated Employee Wellness Program Administrator providing educational opportunities and programs centered around Employee Health and Wellness. Wellness Programs are available throughout the year at various campus locations and online, some sessions count as onsite events and allow ICUBA health care participants to earn incentives for attending. Wellness Programs are made available to all employees at NSU regardless of enrollment in health care coverage. Employee Wellness incentives are integrated with health care 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
13 BlueRewards powered by Rally Wellness Incentive Activity ICUBA Dollars Biometric Screening $50 Wellness Exam $50 Mammogram / PSA $45 Colonoscopy $45 Rally Survey $10 5 Rally Missions $50 2 Rally Challenge Milestones ($25 each) $50 4 Health Coaching Calls $50 5 Onsite Campus Events ($20 per event) $100 TOTAL INCENTIVE REWARDS $450 (+ unlimited coins) BlueRewards is the wellness incentive program provided by ICUBA and powered by Rally. Wellness incentives are be redeemable for gift cards to online retailers, like Amazon, Best Buy, Walmart, and Target. Use the ICUBA Single Sign On service to access the program and learn more. Contact Ronenia Jenkins, the Employee Wellness Program Administra tor at rjenkins@nova.edu. Single sign on access for employees through the ICUBA portal Spouse or domestic partner access is enabled through MyHealthToolKitFL.com *Wellness Incentives are available to employees and their spouse or domestic partner when both are covered under the medical plan offered at NSU.
14 Dental and Vision
15 Dental Coverage through Humana Premium Per Pay Period HMO CS250 PPO Preventive Employee Only Coverage PPO High $5.72 $9.74 $18.94 Employee + One Dependent $11.46 $22.64 $37.72 Family Coverage $17.80 $37.48 $63.44 The Dental HMO is only available for participants in the state of Florida. The comprehensive dental summary is available online at under the Dental Coverage drop down! Employees can register for access and search providers online at
16 Frequency Limitations Base Plan Enhanced Plan Vision Exams Once every 12 months Once every 12 months Eyeglass Lenses Once every 12 months Once every 12 months Frames Contact Lenses (in lieu of eyeglass lenses) Vision Coverage through EyeMed Once every 24 months $100 allowance Once every 12 months $100 allowance Once every 12 months $130 allowance Once every 12 months $130 allowance Benefit Summary In-Network Copay Out-of-Network Reimbursement Vision Exam $5 Up to $35 Standard Frames Single Vision, Bifocal, Trifocal, and Lenticular Lenses $0 20% off balance over frame allowance $15 Up to $50 (Base) Up to $65 (Buy-up) Up to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal and Lenticular Standard Progressive Lens $65 Up to $45 Contact Lenses Conventional (in lieu of eyeglass lenses) Contact Lenses Disposable (in lieu of eyeglass lenses) $0, plus 15% off balance above allowance $0, plus balance above allowance Up to $104 Up to $104 Premium Base Plan Enhanced Plan Employee Only Coverage Family Coverage $1.96 $2.20 $5.01 $5.62 Employees can register for access and search providers online at
17 Dependent Verification Your legally recognized spouse or domestic partner Your natural child Your legally adopted child, a stepchild, or a foster child A child required to be covered pursuant to a Qualified Medical Child Support Order Siblings, parents, and grandparents are not eligible dependents on the NSU/ICUBA plans Social Security Numbers are required for all dependents covered You are required to notify ICUBA and remove any ineligible dependents within 30 days of changes to dependent status for eligible dependents and immediately for ineligible dependents. A child is a dependent until the end of the calendar year they turn 26, or are over age 26 and are incapable of self support because of a documented disability (adult disabled dependent).
18 Retirement Savings
19 Retirement Savings Accounts 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 on the first of the month following their date of hire Employees who meet the criteria for non-matched contributions and have completed one year of service at Nova Southeastern University are eligible for matched contributions in the 401(k) Retirement Savings Plan at Nova Southeastern University. Eligible employees can enroll on the first of the month following their one-year employment anniversary. For more information about Retirement Savings at NSU visit the Retirement page online: How to access the Retirement Manager Enrollment Portal to make or change elections: An interactive Brainshark presented by TIAA is available online: Need personalized assistance planning for retirement? TIAA and Valic provide individual counselling sessions for employees at no additional cost! Make an appointment with an advisor today by visiting
20 If employees contribute 0% after 1 year Employee contribution is 0% + NSU basic contribution of 2% + (vested after 3 years) Employer Matching NSU Safe Harbor Match of 0% + NSU additional match of 0% = TOTAL RETIREMENT SAVINGS Total NSU contribution 2%
21 Employer Matching If employees contribute 1% after 1 year NSU basic contribution of NSU Safe Harbor Match of (vested immediately) NSU additional match of (vested after 3 years) Total NSU contribution Employee contribution is 1% + (vested immediately) (vested after 3 years) TOTAL RETIREMENT SAVINGS
22 Employer Matching If employees contribute 2% after 1 year NSU basic contribution of NSU Safe Harbor Match of (vested immediately) NSU additional match of (vested after 3 years) Total NSU contribution 6% Employee contribution is 2% + (vested immediately) (vested after 3 years) TOTAL RETIREMENT SAVINGS
23 Employer Matching If employees contribute 3% after 1 year NSU basic contribution of NSU Safe Harbor Match of (vested immediately) NSU additional match of (vested after 3 years) Total NSU contribution Employee contribution is 3% + (vested immediately) (vested after 3 years) TOTAL RETIREMENT SAVINGS
24 If employees contribute 4% after 1 year Employee contribution is 4% + (vested immediately) NSU basic contribution of (vested after 3 years) Employer Matching NSU Safe Harbor Match of (vested immediately) NSU additional match of (vested after 3 years) Total NSU contribution 14% TOTAL RETIREMENT SAVINGS
25 Additional Benefits
26 Life Insurance & Disability Reliance Standard Group Term Life Insurance Age banded rates in increments of $10,000 Age reduced coverage policy reduces to 65% 70+ policy reduces to 50% Guaranteed Issue coverage is $300,000 Coverage available for spouse/domestic partner and children Enroll online and view rates through the ICUBA Enrollment Portal Mass Mutual Group Whole Life Insurance Fully portable Grows cash value over time Guaranteed Issue up to $100,000 Express issue coverage (no exam only questions) up to $200,000 Enroll online through the ICUBA Enrollment Portal The following benefits are provided by NSU at no cost to eligible employees who work 19.2 hours or more per week and complete 90 days of employment with NSU. Short Term Disability (STD) is a self-funded program (not an insurance product) designed to provide short term payments to eligible employees under the terms and conditions of the Program in accordance with NSU policy. The program is administered by NSU and administered by the university s designated leave administrator. Long Term Disability (LTD) is a Group benefit purchased for eligible employees designed to provide LTD payments to eligible participants who become totally disabled under the terms and conditions of the Program. LTD is administered by Reliance Standard. Basic Life and AD&D Insurance are provide at no additional cost & are the equivalent of an employees annual base salary (does not include overtime or overloads). Tuition waivers vary by degree program or center Discount Program - Abenity It is important to have updated and accurate beneficiary information on file. Beneficiary Information should include legal name and current contact information for your beneficiaries.
27 Additional Optional Benefits Aflac Complement current benefits Fill gaps in coverage Full policy benefits regardless of other coverage Disability Insurance Accident Insurance Hospital Protection Cancer Indemnity For more information contact Joe Evans at or via at LegalShield Legal advice Contract & Document Review Audit Assistance Privacy Monitoring For more information contact Kelley Kaupas-Rheault at or via at Planning a family? Expecting mothers can use Aflac to offset hospital costs and other expenses while on maternity leave! Meet the Aflac representative to find out more finformation.
28 Where and How to Enroll Login to YouTube video on how to access the enrollment portal for the first time!
29 Thanks for attending and welcome to NSU! Call with any questions.
Benefits and Wellness information is available online at
Benefits and Wellness information is available online at www.nova.edu/hr/benefits. For questions or login assistance email HR4U@nova.edu or call 954 262 HR4U (4748) COINSURANCE Coinsurance is the percentage
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