Benefits and Wellness information is available online at

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1 Benefits and Wellness information is available online at For questions or login assistance or call HR4U (4748)

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3 COINSURANCE Coinsurance is the percentage of costs of a covered health care service you pay (20%, for example) where applicable. If the doctor or provider s allowed amount for an office visit is $100 and your coinsurance is 20% you pay $20 and the plan pays the difference. COPAY or COPAYMENT A copay is a flat fee that you pay on the spot each time you go to your doctor or fill a prescription. The amount you pay for an office visit or for prescription medicine is your copay. Copays cover your portion of the cost of a doctor s visit or medicine. DEDUCTIBLE A deductible is the amount you pay each year for eligible medical services before the insurance plan kicks in. Many services under an NSU/ICUBA plan do not require you to meet your deductible before the plan pays. OUT OF POCKET MAXIMUM The out of pocket maximum is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your insurance pays 100% of the cost of covered benefits.

4 All medical plans available at NSU through ICUBA are PPO Plans from BlueCross BlueShield. In Network Benefit Summary Comparison Premier Copay Preferred PPO PPO Plan Plan Deductible (Individual/Family) $2,000/$4,000 $2,000/$4,000 Coinsurance 20% 20% Out of Pocket Maximum (Individual/Family) $3,500/$7,000 $3,500/$7,000 Physician Office Visits $25 Copay 20% Specialist Office Visits $50 Copay 20% Urgent Care Center $50 Copay $30 Copay Outpatient Therapy PT, ST and OT $30 Copay 20% Emergency Room Services $300 Copay $300 Copay Hospital Inpatient 20% after deductible 20% after deductible Medically Necessary Diagnostic Labs at Quest 0% Quest 0% Quest Mental Health & Substance Abuse Inpatient 20% after deductible 20% after deductible Mental Health & Substance Abuse Outpatient $25 Copay 20% Monthly Premium for the ICUBA Medical Plans You Pay *NSU/HRA You Pay *NSU/HRA Employee Only $228 $25 $93 $50 + Spouse $887 $50 $640 $100 + Child(ren) $654 $50 $411 $100 + Family $1,133 $50 $826 $100 *Dual Enrolled $883 $75 $505 $150 $4,000/$8,000 Deductible Plan $4,000/$8,000 30% $5,350/$10,700 $35 Copay $70 Copay $70 Copay $40 Copay $500 Copay 30% after deductible 0% Quest 30% after deductible $35 Copay You Pay *NSU/HRA $88 $50 $633 $100 $234 $100 $658 $100 $337 $150 *The NSU/HRA Amount are contributed by NSU each month, starting with your 2 nd month of enrollment. HRA dollars can be used for eligible healthcare expenses for you and family members covered under an NSU/ICUBA Medical Plan.

5 ICUBAcares benefits apply to ALL of the ICUBA plans available to NSU employees. ALL medical plans are PPO plans administered by BlueCross BlueShield. NO DEDUCTIBLE applied to the Following Services! NO DEDUCTIBLE applies to prescription copays NO DEDUCTIBLE for in network primary care & specialist visits NO DEDUCTIBLE for PT/OT, & chiropractic services NO DEDUCTIBLE for Urgent Care visits NO DEDUCTIBLE for ER visits or Emergency Transportation (copay applies) Services Covered at NO additional COST to YOU! Blue Distinction Total Care primary care Physician Visits are always FREE Medically necessary routine labs at Quest Diagnostics are always FREE Annual Wellness exams are always FREE FREE Nurse Case Management from BlueCross BlueShield FREE access to the ICUBAcares Pharmacy Benefit Advocate Care Coordinators are available 24 hours a day by calling the Essential Advocate at

6 Lab Tests Pap Tests Urinalysis Colorectal Screenings Prostate Cancer Screenings Please note: Lab tests performed at an in network physicians office and not sent to Quest Diagnostics may be subject to coinsurance (deductible does not apply beginning 04/01/18). Electrocardiograms Echocardiograms Mammograms Colonoscopies and Sigmoidoscopies Immunizations Allergy Injections Bone Mineral Density Tests Ultrasounds of the Breast Primary Care BDTC Visits Our Employee Assistance Program is available to all members of your household Receive up to 6 FREE face to face counseling sessions per plan year Call the Resources for Living EAP 24 hours a day at Prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution, needles, and syringes Prescribed Aspirin for adults Prescribed generic folic acid and generic prenatal vitamins for pregnancy Prescribed generic statins (if eligible)

7 Urgent Care or Emergency Room? You can save money on your medical expenses by visiting an in network Urgent Care Center if you are able. You pay a COPAY for ER visits, ER copay is waived if you are admitted to the hospital In network Urgent Care Centers are covered at a different rate for each plan: Premier PPO $50 copay Preferred PPO $30 copay $4,000/$8,000 PPO $70 copay Click on BCBS MyHealthToolKit Portal link under My Carrier Accounts at to check innetwork providers in your area. Contact Essential Advocate at for assistance or help finding an in network provider in your area The ICUBAcares Pharmacist Advocate Real Pharmacists, Real Advocates, Real Solutions FREE Prescription Check up Navigating Prescription Tiers, Prior Authorizations, Step Therapy, & Quantity Limits Call the ICUBAcares Pharmacist Advocate at Telemedicine through Teladoc! Available 24/7 for a $5 COPAY Single Sign On available through the ICUBA Enrollment Portal, establish account online at first When registering for Teladoc use the Company Code: ICUBA Customer Service is available by calling TELADOC

8 Prescription Pharmacy Benefit Copays are the SAME for ALL ICUBA MEDICAL PLANS 30 day 90 day Retail 90 day Mail Preferred Generics at NSU Pharmacy $0 $0 N/A Preferred Generics at Retail Pharmacy $5 $10 $10 Non Preferred Generics $10 $20 $20 Preferred Brand $40 $80 $80 Non Preferred Brand $75 $150 $150 *Specialty Medication (fulfilled through Briova) $75 N/A N/A Prescription Pharmacy Benefits are included with your medical plan and administered by OptumRx. ICUBA has a dedicated customer service team, the OptumRx Health Care Advisors are available 24/7 by calling Shark Tip! You also have FREE access to the ICUBAcares Pharmacist, your Pharmacy Benefit Advocate. The ICUBAcares Pharmacist can help navigate the copay tiers, assist with prior authorizations, and help you determine if lower cost alternatives are available. Call to speak with an ICUBAcares Pharmacist today.

9 Behavioral Health & Substance Abuse Coverage is attached to your medical election at NSU but administered by Aetna. When searching for an in network provider be sure to contact Aetna and not BlueCross BlueShield. Aetna also provides EAP services to all NSU employees regardless of participation in a medical plan. You can access both services by calling one number! Call , for EAP press 1 after the prompt, for Behavioral Health press 2 after the prompt.

10 HRA (FROM NSU) Health Reimbursement Accounts Funded by NSU and provided when you enroll in an ICUBA Medical Plan HCFSA Health Care Flexible Spending Account DCFSA Dependent Care Flexible Spending Account All employees eligible for medical insurance at NSU can enroll in Flexible Spending regardless of their participation in the medical plan. No deductions NSU contributes for you Deducted pre tax over 24 pay periods Deducted pre tax over 24 pay periods Available each month when deposited Available for immediate use Available for use each pay period Can be used for medical expenses for members enrolled in a medical plan If you elect an HCFSA the Flex funds are used BEFORE the HRA funds Can be used for medical expenses for you & eligible dependents If enrolled in an NSU medical plan: HCFSA funds are used before HRA Can be used for the care of dependents under the age of 13 Covered expenses include: Day Care, After Care, Gap Camps Portable after 36 months HCFSA maximum annual limit is $2,650 DCFSA maximum household limit is $5,000 Funds Rollover Every Year Examples of how to use HRA: FOR ELIGIBLE MEDICAL EXPENSES Health Care & Rx Co pays Dental & Vision Care Durable Medical Equipment Use it or lose it, no annual carry over Examples of how to use HCFSA: FOR ELIGIBLE MEDICAL EXPENSES Health Care & Rx Co pays Dental & Vision Care Durable Medical Equipment Examples for how to use DCFSA: NOT FOR MEDICAL EXPENSES Pre school payments After Care payments Gap camp (summer camp) FLEXIBLE SPENDING ACCOUNT ELECTIONS ARE REQUIRED ANNUALLY! If you do no elect flexible spending during open enrollment, you will not have the benefit on April 1, Enroll in flexible spending in the ICUBA Enrollment Portal online at

11 Medical Insurance Benefits are administered by BlueCross BlueShield. When electing a medical insurance plan, prescription coverage, behavioral health coverage, and the ICUBA MasterCard accompany your medical insurance election and are administered separately! Prescription Pharmacy Benefits are administered by OptumRx. OptumRx Health Care Advisors are available 24/7 by calling You also have FREE access to the ICUBAcares Pharmacist by calling Behavioral Health & Substance Abuse coverage is administered by Aetna. You can call Aetna to verify coverage and find in network providers by calling and pressing 2 after the prompt. The ICUBA MasterCard accompanies your medical election and is one way you will access your HRA from NSU as well as your Flexible Spending Account Elections (HCFSA & DCFSA). For customer service contact an ICUBA Benefits Administrator at

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13 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 Shark Tip!

14 Wellness Events CAMPUS WIDE NSU Sharks at Wellness Events NSU Sharks Using Rally MORE THAN IN RALLY DOLLARS EARNED BY NSU SHARKS

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16 EyeMed Base Plan EyeMed Buy Up Plan Vision Exams Once every 12 months Once every 12 months Eyeglass Lenses Once every 12 months Once every 12 months Frames Once every 24 months $100 allowance 20% off balance over $130 Once every 12 months $130 allowance 20% off balance over $130 Contact Lenses Once every 12 months Once every 12 months In Network Benefit Vision Exam $5 $5 Single Vision Lenses $15 $15 Bifocal Lenses $15 $15 Trifocal & Lenticular Lenses $15 $15 Standard Progressive Lens $65 $65 Conventional Contact Lenses $0 Copay; $100 allowance; $0 Copay; $130 allowance; (in lieu of eyeglasses) Disposable Contact Lenses (in lieu of eyeglasses) 15% off balance $0 Copay; $100 allowance; plus balance 15% off balance $0 Copay; $130 allowance; plus balance Monthly Premium Employee Only Coverage $3.91 $4.83 Family Coverage $10.02 $12.36 For customer service, visit or call ICUBA is on the INSIGHT Network! * Please refer to EyeMed Plan Summary for more detailed information and out of network options EyeMed makes it easy for you to buy glasses and contact lenses online if you are not able to visit an optical dispensary. Visit or to use your in network benefits on a large variety of glasses and contact lenses. You can even virtually try on your frames and have contact lenses delivered to your door! Shark Tip!

17 Dental HMO (CS250) Preventive PPO High Coverage PPO Plan Year Maximum No Maximum $1, $2, Covered Providers Network Providers Only Plan pays In & Out of Network Plan pays In & Out of Network (provider selection required at enrollment) Plan Year Deductible Not Applicable $50 Individual $150 Family (first 3 members) $50 Individual $150 Family (first 3 members) CS250 Network Only In and Out Of Network In Network Out Of Network Preventive Services Preset Copay 100% 100% 80% Basic Services Preset Copay 80% after deductible 80% after deductible 50% after deductible Major Services Preset Copay Provider Discounts Available 50% after deductible 30% after deductible Adult Orthodontia Preset Copay Provider Discounts Available 50% after deductible Pediatric Orthodontia Preset Copay Provider Discounts Available 50% after deductible Lifetime Orthodontia Maximum $1, Not Applicable $2, Monthly Premium Monthly Premium Monthly Premium Employee Only $11.72 $19.48 $ one Dependent $23.50 $45.28 $ Family $36.50 $74.96 $ The DHMO CS250 is only available in the state of Florida. Florida provider must be preselected when enrolling No deductible or plan year maximum Services are reimbursed based on the DHMO schedule DHMO PPO

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19 Aflac can help you manage medical costs! Did you know? of employees have less than $1,000 on hand to pay out of pocket medical expenses? Get the AFLACTS and lower your BILLS! Aflac Hospital Advantage pays cash benefits directly to you to help with out of pocket expenses. Copays and deductibles Transportation & Ambulance Costs Emergency Room and Doctor Visits Medical & Diagnostic Imaging Rehabilitation Facilities Contact Nova Southeastern University s Independent Aflac Representative, Joe Evans for more information! Phone: evansfin@bellsouth.net

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22 Group Term Life Insurance From Reliance Standard Age banded rates in increments of $10,000 Age reduced coverage policy reduces to 65% 70+ policy reduces to 50% Maximum coverage is $300,000 Coverage available for spouse/domestic partner and children Group Whole Life Insurance From MassMutual Fully portable Whole Life Insurance Policy Grows cash value over time New elections require a call to the MassMutual enrollment center at

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24 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: plans.html How to access the Retirement Manager Enrollment Portal to make or change elections: An interactive Brainshark presented by TIAA is available online: cref_direct/novasoutheasternuniversity Shark Tip! 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 plans.html

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

26 If you 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

27 If you 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

28 If you 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

29 If you contribute 4% after 1 year Employee contribution is 4% + (vested immediately) NSU basic contribution of (vested after 3 years) NSU Safe Harbor Match of (vested immediately) NSU additional match of (vested after 3 years) Total NSU contribution 14% TOTAL RETIREMENT SAVINGS

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31 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. Shark Tip!

32 All elections for medical, dental, vision, flexible spending, optional life, and LegalShield are required in the ICUBA Enrollment Portal online at Aflac elections are interest only and each policy is individually underwritten. Selecting Aflac in the Enrollment Portal does not confirm your enrollment in the benefit. If you have questions while enrolling for benefits ASK EMMA! Emma is a decision support tool designed to help you make an informed decision about benefits for you & your family. Emma will guide you through a short series of questions about how you use your benefits and estimates your annual costs using real life scenarios based on the answers you provide.

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