LET’S TALK ABOUT · 2020-02-17 · NSU offers 3 medical insurance plans through ICUBA administered by BlueCross BlueShield.Each medical insurance plan includes Prescription Pharmacy

WELCOME SHARKS!

LET’S TALK ABOUT

OPEN ENROLLMENT

Open EnrollmentFebruary 10, 2020 through February 21, 2020

Open Enrollment web page available at

https://www.nova.edu/hr/benefits/Open%20Enrollment%202020.html

Benefits FairFebruary 18, 2020

10 am to 3 pm

3424 University Park Plaza

Here’s a Shark Bite of our review today………

What’s New for April 2020! Same Great Benefits Continue…

• Low increase to Medical Premium

• Single Sign-On to the ICUBA Portal through

Sharklink

• New ICUBA Group Aflac Benefits

➢ Critical Illness

➢ Hospital Indemnity

➢ Accident

• New Voluntary Life Insurance

➢ Guarantee Issue up to $300,000 during

Open Enrollment only

• Rally program enhancements

• Phone number & email confirmation for PRIZE!

• ICUBA creates the best access to care

➢ ICUBA Single Sign-On to all vendors

➢ Surgery Plus

➢ Teladoc

➢ ICUBAcares Pharmacist Advocates

➢ Health Management resources

➢ BCBS mobile app and tools

➢ Employee Assistance Program

• BCBS Medical Plans

• Optum Prescription Plan

• Aetna Behavioral Health

• Humana Dental Plans

• EyeMed Vision Plans

• Pet Assure with PetPlus

Single Sign-On through Sharklink

NSU offers 3 medical insurance plans through ICUBA administered by BlueCross BlueShield. Each medical

insurance plan includes Prescription Pharmacy benefits from OptumRx & Behavioral Health coverage from

Aetna.

Premier PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $257 $50

+Spouse $1,000 $100

+Child(ren) $738 $100

+Family $1,278 $100

+Dual Enrolled $996 $150

Preferred PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $102 $50

+Spouse $702 $100

+Child(ren) $450 $100

+Family $889 $100

+Dual Enrolled $554 $150

$4K/$8K PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $97.00 $50

+Spouse $598 $100

+Child(ren) $219 $100

+Family $615 $100

+Dual Enrolled $313 $150

Medical Premium

Married employees who cover themselves & eligible dependent children may combine the Employee Only tier and the Employee plus Child(ren) tier by

electing into the Dual Enrolled tier. Dual Enrolled NSU families aggregate the entire family to determine deductibles and out-of-pocket expense maximums,

eliminating the additional cost of these expenses that would be incurred with an Employee Only & Family election.

In-Network Benefit Summary Comparison Preferred PPO Premier Copay PPO $4,000/$8,000 Ded PPO

Deductible (Individual/Family) $2,500/$5,000 $2,500/$5,000 $4,000/$8,000

Coinsurance 20% 20% 30%

Out-of-Pocket Maximum (Individual/Family- medical copays, deductibles & coinsurance) $4,000/$8,000 $4,000/$8,000 $5,350/$10,700

Physician Office Visits 20% $25 Copay $35 Copay

Specialist Office Visits 20% $50 Copay $70 Copay

Urgent Care Center $30 Copay $50 Copay $70 Copay

Outpatient Therapy - PT, ST and OT 20% $30 Copay $40 Copay

Emergency Room Services (Copay waived if admitted) $300 Copay $300 Copay $500 Copay

Durable Medical Equipment and Prosthetic Appliances 20% AD* 20% AD* 30% ALD**

Hospital Inpatient 20% AD* 20% AD* 30% AD*

Independent Clinical Labs (free standing facilities and office visits)0% - Quest

20% - Outpatient Setting0% - Quest

20% - Outpatient Setting0% - Quest

30% - Outpatient Setting

Mental Health & Substance AbuseInpatientOutpatient

20% AD*20%

20% AD*$25 Copay

30% AD*$35 Copay

Blue Distinction Total Care PCP $0

Teladoc (1-800-Teladoc) $5 Copay

Convenient Care Clinics $10 Copay

Preventive Care 0%

Outpatient Diagnostic Imaging (MRI, MRA, CAT Scan, PET Scan) Up to $500 Copay

Ambulance $250 Copay

Medical Plan Highlights In-Network Benefits

* After Deductible ** After Limited Deductible: $2,000 of the $4,000 Individual Deductible

No Cost Benefits No Deductible BenefitsDeductible

Major Services Only

• Blue Distinction Total Care Physician

Visits

• In-network annual wellness exams

• Medically necessary preventive

services

• Medically necessary labs performed

at Quest Diagnostics

• Bone mineral density tests

• Colonoscopies

• EAP services for ALL employees

• ICUBAcares pharmacy assistance

• Immunizations

• Mammograms & ultrasound of the

breast

• SurgeryPlus non-emergent

surgeries

• Primary care physician office visits

• Maternity visits

• Specialist physician office visits

• Prescription drugs

• Advanced imaging (MRI, CT, PET)

• Occupational, physical and speech

therapy

• Chiropractic services

• Teladoc

• Convenient care clinic

• Urgent care

• Emergency transportation

• Emergency room

• Outpatient mental health/substance

abuse

• Durable medical equipment

• Hearing aids

• Home health care

• Hospital delivery expenses for

maternity

• Hospital expenses

• Hospital or out-patient surgery

(unless through SurgeryPlus)

• In-patient mental health/substance

abuse treatments

• Inpatient rehabilitation

• Outpatient facility charges

• Private duty nursing

• Prosthetic appliances

• Skilled nursing rehab

• TMJ

• Ultrasound (except breast)

• X-ray

Medical Plan - Eliminating Barriers to Care

Use your HRA funds to offset out-of-

pocket healthcare expenses!

Surgeon Quality Financial Incentive

You have access to the elite S+ Surgeons of

Excellence Network. The surgeons are:

✓ Licensed

✓ Board certified

✓ Fellowship trained

✓ Screened for malpractice, sanctions &

criminal records

Your DEDUCTIBLE and COINSURANCE are

WAIVED, so your procedure is at NO COST to

you; and travel benefits are INCLUDED, if

applicable.

Call your Care Advocate for more information

(855) 200 – 2119

Covered Surgical Procedures Full-Service Concierge

• Knee

• Hip

• Shoulder

• Foot & Ankle

• Wrist & Elbow

• Spine

• General Surgery

• Gastroenterology

• GYN

• Bariatric

• Cardiac

• ENT

You have access to a dedicated care advocate

throughout your healthcare journey

Medical Plan - No Cost SurgeryPlus

9

• Sinus problems

• Pink eye

• Bronchitis

• Allergies

• Flu

• Cough

TOP DIAGNOSES PRESCRIPTIONS AS NEEDED

• No controlled substances, psychiatric or

lifestyle drugs

• Member convenience through e-prescribing

• Appropriate prescribing following CDC

guidelines

This benefit is meant

to supplement an

ongoing relationship

with a PCP and be

used as an

alternative to Urgent

Care. Please make

sure you share your

Teladoc records with

your PCP!

• Ear infection

• Urinary tract

infection

• Upper respiratory

infection

• Nasal congestion

Restrictions apply - number of annual consults and severity of condition for consultation – available nationwide, excluding Arkansas.

• Take a doctor with you - 1-800-TELADOC• Single Sign-On through MyHealthToolkit!

• Telemedicine and Video Consultations available anytime – when your doctor is unavailable, when you have no time for an appointment, when you are on vacation, when your child is away at college!

• Members must establish an account prior to seeking treatment; Company: ICUBA

• Teladoc physicians are a national group of NCQA qualified physicians, contracted with Teladoc.

Medical Plan - No Deductible Teledoc

Co-Pay Tier30-day Co-Pay

(Retail Only)

90-Day saves $$$!

(Retail & Mail)

Preferred Generics at NSU

Pharmacy$0

$0(available on-site only, no mail

order)

Preferred Generics $5 $10

Non-Preferred Generics $10 $20

Preferred Brands $40 $80

Non-Preferred Brands $75 $150

Specialty (BriovaRx)* $75 N/A

Prescription Drug FREEBIES!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, and prescribed generic statins (if eligible).

RX Out-of-Pocket

Maximum In-network Rx copays will be

applied toward an individual

maximum out-of-pocket of $2,000

and $4,000 for family.

Medical Plan - No Deductible Pharmacy Benefit

• Do you have side effects from a new medication?

• Do you need help obtaining a prior authorization?

• Do you need help understanding the step-therapy requirement?

• Do you want to save money by switching to a generic?

These are al l great reasons to cal l

ICUBAcares Rally Incentive: If you are a candidate for a qualified medication change, the ICUBAcares team will assist with your transition to a medication less costly to the plan and reward once complete. Call for a prescription check-up to find out more!

Free Pharmacist Advocate Program

Aetna provides the behavioral health benefits available through your medical insurance coverage

Medical Plan - No Deductible Behavioral Health Benefits

Dial 877-398-5816

Press 2 - Behavioral Health

Talkspace is an online therapy platform that makes mental healthcare more

convenient and accessible by connecting users with licensed therapists

1. Call Resources for Living for authorization

2. Register at talkspace.com/rfl

3. Organization Name is your Employer/School

Free EAP Aetna Resources for Living

13

EmotionalSpeak with a licensed

clinician regarding life

events to obtain an

objective expert point

of view over the phone,

televideo or in the

office.

6 sessions per issue per

year for each member

of your household.

LifeObtain referrals for

services needed by you

or your dependents

and save you time.

Access to retail,

entertainment, travel

and fitness discounts.

LegalGain expert council

regarding a wide array

of legal needs.

Access online legal

documents.

Request ID theft

prevention and

resolution support.

FinancialConsult with a financial

specialist regarding

budgeting, retirement

planning, college

planning, taxes and

much more.

1 -877-398-5816Option 1: Employee Assistance Program

Free &

Confidential

Health Reimbursement Account

Contributions funded monthly by NSU

HCFSA - Health Care Flexible

Spending Account

DCFSA - Dependent Care Flexible

Spending Account

Funded by NSU and provided when you

enroll in an ICUBA Medical Plan

Funded by employees who are eligible for medical insurance at NSU (a

medical insurance election is not required to enroll in flex spending)

No deductions – NSU contributes for you Deducted pre-tax over 24 pay periods Deducted pre-tax over 24 pay periods

Available each month when depositedAvailable for immediate use –

4/1/2020

Available each pay period when

deposited

Can be used for medical expenses for

members enrolled in a medical plan

Can be used for medical expenses

for you & eligible dependents

Can be used for the care of

dependents under the age of 13

If you elect an HCFSA the Flex funds are

used BEFORE the HRA funds

If enrolled in an NSU medical plan:

HCFSA funds are used before HRA

Covered expenses include:

Day Care, After Care, Gap Camps

Portable after 36 monthsIncreased Annual Limit

$2,750

IRS annual household limit:

$5,000

Funds Rollover Every Year Use-it-or-lose-it, no annual carry over

The HRA is for Medical Expenses

- Health Care & Rx Co-pays

- Dental & Vision Care

- Durable Medical Equipment

HCFSA is for Medical Expenses

- Health Care & Rx Co-pays

- Dental & Vision Care

- Durable Medical Equipment

DCFSA is NOT for Medical Expenses

- Pre-school payments

- After Care payments

- Gap camp (summer camp)

Flexible Spending Account Election must be made every year – so don’t forget!

Flexible Spending Elections Required

Gap insurance is an optional plan that acts as a supplement to your medical insurance. It can

offset medical expenses incurred when hospitalized or before you meet your deductible and

out-of-pocket maximum

In order to enroll in Gap insurance at NSU, you must be simultaneously covered under a

medical insurance plan at NSU. Gap insurance plans have the same tiers as the NSU medical

insurance plans - employee only, employee plus child(ren), employee plus spouse, and family.

Gap Insurance Monthly PremiumPremier & Preferred Gap

$2,500 Benefit

$4,000/$8,000 Gap

$4,000 Benefit

Employee Only $33.71 Employee Only $43.02

+Spouse $68.81 +Spouse $87.78

+Child(ren) $58.97 +Child(ren) $75.26

+Family $86.08 +Family $109.84

Optional Gap Insurance

Activity Incentives

Rally SurveyGatekeeper

+ 400 Coins & ICUBA Private Sweepstakes

Wellness Exams $60

Biometric Screenings $40

Onsite/Campus Events $10 each (up to $70)

Preventive Exams: PSA/ Colonoscopy/ Mammogram

$50

(rewarded for first claim processed)

ICUBAcares Qualified Medication Change

$50

Missions Unlimited Coins

& ICUBA Private Sweepstakes

City ChallengesUnlimited Coins

& ICUBA Private Sweepstakes

Teladoc Registration 400 Rally Coins

Tobacco Attestation 400 Rally Coins

Clinical Rewards 500 Rally Coins per Quarter = 2,000 Coins

Incentive Total $270

FUN“feel good”FACT…

ICUBA members donated

more than

4 MILLIONcoins to charity

last year!

NEW! Rally Reward Enhancements

No more public finger pricks and blood draws!

Beginning April 1, ICUBA members can earn a

wellness incentive for a biometric screening ($40)

AND an annual wellness exam ($60) when

consulting your physician privately!

1. Members log into My.QuestForHealth.com.

2. Download the Physician’s Results Form. The

form identifies you (and your spouse or

partner who are also eligible for the Rally

incentives) by a unique bar code.

3. Visit your physician and complete your annual

wellness exam – this must include your blood

work.

4. Have your physician complete & sign the form.

5. Have your physician’s office fax the form to

Quest or take a copy of the completed &

signed form and upload it yourself into the

Quest Portal (this method is recommended).

6. Earn $100 for your wellness exam & biometric

screening!

New! Rally Wellness Screening using a Physician Results Form

New! Voluntary Life Insurance

VOLUNTARY LIFE INSURANCE COVERAGE AMOUNT

Coverage Options Purchase in Increments of $10,000

Maximum Coverage Amount $500,000

Minimum Coverage Amount $10,000

Guaranteed Life Coverage Amount $300,000

Dependent Spouse Life $30,000

Dependent Child(ren) Life $10,000

New! Voluntary Life InsuranceSPECIAL OFFER DURING THIS YEAR’S OPEN ENROLLMENT ONLY

Great news for Sharks who want voluntary life insurance but don’t have it!

Elect up to $300,000 of life insurance coverage and Lincoln Financial Group will guarantee and issue your election

no medical underwriting no evidence of insurability no medical questions

• Guarantee applies to both new elections and to coverage increases

• If you want more coverage, elect more, up to $500,000

• Coverage amounts exceeding $300,000 require simplified medical underwriting (evidence of insurability)

• Secure link into the Lincoln Portal from the ICUBA Benefits Portal keeps it simple

DIVE IN AND TAKE ADVANTAGE OF THIS ONE-TIME OPPORTUNITY!

ICUBA is pleased to add Group Aflac as our newest Brand Partner!

New Group Plans:

➢ Critical Illness

➢ Hospital Indemnity (Low & High)

➢ Accident

• Group Plans will provide better benefits at a lower cost

• Plans offered on a guaranteed issue basis, no medical questions will be asked

• Individual plans no longer be offered through payroll deductions

• You can keep your plan, direct billing information from Aflac mailed to participant homes

NEW! Group Plans

Group Aflac Plans Critical Illness

• Cancer (Invasive, Non-Invasive, and Skin)

• Heart Attack

• Sudden Cardiac Arrest

• Kidney Failure and many more….

• Pays a lump sum cash benefit to you

• Pays in addition to other insurance

coverage

• Guaranteed Issue

✓ Up to $30,000 coverage for Employee

✓ Up to $15,000 coverage for Spouse

• If you don’t use the benefit, a $50 Annual

Health Screening Benefit still applies!

Coverage Includes

Features

You experience

chest pains and

numbness in the

left arm

Aflac Group Critical

Illness coverage is

selected

A Physician determines

that you have suffered

a heart attack

You visit the

Emergency

Room

Aflac Group Critical

Illness pays an initial

Diagnosis Benefits of

$10,000

High Low

Admission $1,000 $500

Confinement $100 $100

Intensive Care $100 $100

High Low

Admission $1,000 $500

Confinement (3 days) $300 $300

Total Payment to You! $1,300 $800

Example for Pregnancy/Delivery

Two Levels OfferedCoverage Includes

Features

Hospital admission or confinement

due to an accident or illness

• No medical questions asked

• Pays a lump sum cash benefit to

you

• Pays in addition to other insurance

coverage

• May take coverage with you if

change jobs or retire

Group Aflac Plans Hospital

Example Benefits

Coverage Includes• Ambulance rides

• Emergency room visits

• Fractures

• Burns

• Concussion

If you don’t need the benefit, a $50 Annual Health

Screening Benefit still applies!

Category Benefit

ER/Urgent Care $175

Ambulance $400

Concussion $500

Second Degree Burns $75 - $750

Third Degree Burns $750 - $15K

Lacerations $50 - $400

Fracture $240 - $6K

Dismemberment $125 - $10K

23

Group Aflac Plans Accident

Humana DHMO - Preventive Plus PPO - High Coverage

PPO Preventive Plus - basic & preventive services

DHMO & High Coverage PPO - basic, major, preventive

Eyemed - Base Plan – Enhanced Plan

prescription glasses and contact lenses available *

Base Plan - new frames every 24 months

Enhanced Plan - new frames every 12 months.

Election Base Plan Enhanced Plan

Employee Only $3.91 $4.83

+ Family $10.02 $12.36* Vision insurance is for routine visits to an optometrist and provides coverage for glasses

and contact lenses. The health of your eyes is covered under your medical insurance plan.

Election DHMO Preventive High Option

Employee Only $11.83 $19.67 $40.81

+ One $23.73 $45.72 $81.29

+ Family $36.85 $75.69 $136.71

Optional Dental & Vision Insurance

Customer Service:

www.eyemed.com or call 866-804-0982

ICUBA is on the INSIGHT Network!DHMO PPO

The DHMO CS250 only available in Florida

• Florida provider must be preselected when enrolling

• No deductible or plan year maximum

• Services are reimbursed based on the DHMO schedule

High Option PPO Preventive Low DHMO Prepaid CS250

Plan Year Maximum $2,000 $1,000 Unlimited

ProvidersIn-Network and Out-of-Network

Providers

In-Network and Out-

of-Network Providers

Network Provider

assignment required

*IN FLORIDA ONLY

Deductible $50 Individual/$150 Family$50 Individual/

$150 FamilyN/A

Benefit/ServiceMember Pays

In Network

Member Pays

Out of Network

Member Pays

In & Out of Network

Patient Pays Assigned

Network Provider

Preventive Services 0% 20% 0%

You pay a pre-set

copay based on the

schedule of benefits

Basic Services 20% AD 50% AD 20% AD

Major Services 50% AD 70% AD Not covered;

Discount Available for

In-Network Only,

subject to provider

discretion

Orthodontia - Adult and/or

Child50%

Up to 19 years: $1,800

19 years +: $2,000

Orthodontia Lifetime

Maximum for each member$2,000 N/A No maximum

Frequency Limitations Base Plan Buy Up Plan

Examination Once every 12 months Once every 12 months

Frame Once every 24 months Once every 12 months

Lenses or Contact Lenses Once every 12 months Once every 12 months

Vision Care Services* “In-Network Member Cost” “In-Network Member Cost”

Exam With Dilation as

Necessary$5 Copay $5 Copay

Frames$0 Copay; $100 allowance;

20% off balance over $100

$0 Copay; $130 allowance; 20% off balance over $130

Standard Plastic Lenses

Single Vision, Bifocal, Trifocal $15 Copay $15 Copay

Standard Progressive Lens $65 Copay $65 Copay

Conventional Contacts$0 Copay; $100 allowance;

15% off balance

$0 Copay; $130 allowance;15% off balance

Disposable Contacts$0 Copay; $100 allowance;

plus balance

$0 Copay; $130 allowance;plus balance

Optional LegalShield & IDShieldHAVE YOU EVER……

✓ Needed your Will prepared or updated?

✓ Received a moving traffic violation?

✓ Had concerns regarding child support?

✓ Worried about being a victim of Identity Theft?

✓ Been pursued by a collection agency?

Monthly Premium Individual Family

LegalShield $15.95 $15.95

IDShield $8.45 $15.95

Combined $24.40 $28.90

Optional Pet Assure with Pet Plus Rx

Give your pets the care they deserve at a price you can afford!

✓ Discounts on all in-house medical services –no deductible – no exclusions – no waiting period

✓ Pet Plus provides access to reduced cost prescription medication with the free shipping or pick up at more than 5,000 pharmacies

✓ Coverage is available for single and multiple pet households

Pet Assure with Pet Plus Rx

Single Pet Household $11.75 / month

Multiple Pet Household $18.50 / month

Save On:

✓ Office Visits✓ Vaccinations✓ Dental Procedures✓ Emergency Visits✓ Prescriptions✓ Flea and Tick Products✓ Dietary Foods✓ Heartworm Preventatives

Includes a 24/7 Line powered by whiskerDocsveterinary experts!

For a list of participating veterinarians, go to https://www.petbenefits.com/search

Annual Dependent VerificationAffirmation Required

An eligible dependent is:

• Your legally recognized spouse

• Your natural child, stepchild, or legally adopted child

• 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

A dependent child retains coverage through the end of the calendar year in which he/she turn 26.

A disabled child may be remain eligible for coverage after attaining age 26; contact the Benefits Staff to learn

more.

Dependents that are “not eligible” on the ICUBA plan should be removed during Open Enrollment (coverage will terminate

March 31, 2020)

• Changes made during Open Enrollment are irrevocable for the benefit

plan year (which begins April 1, 2020 and ends March 31, 2021). Section

125 of the Internal Revenue Code provides a limited exception to this rule

when a qualified life event occurs.

• The 1095 tax form will be available in your Employee File at

ICUBAbenefits.org. Please keep this form with your completed tax return

for IRS auditing purposes

• Review and update your life insurance beneficiary information while you

are in the portal. When designating a beneficiary under the age of 18, you

may want to contact an estate planner and establish a proxy or a trust.

• Review your retirement savings account investments and schedule an

appointment with an investment advisor, take the right steps toward

retirement readiness.

Benefit Reminders

ICUBA SweepstakesLogin to the ICUBA Portal and update or confirm your personal

phone number and personal email address for a chance to win!

1. Login at http://icubabenefits.org

2. Update your personal phone and email information

3. You are AUTO-MAGICALLY entered to win!

Your benefit information is available at your fingertips – mobile apps are available for iOS and Android

No computer? No Problem! With the MyHealthToolkit app

you can use your digital medical

ID card from your phone and

smart wallet feature, check the

status of your claims, view

benefits and what’s covered by

your medical plan and find local

providers quickly!

OptumRx mobile app gives you

instant, secure access to your

personal prescription

information and trusted

pharmacy resources. Check your

prescription history, compare

prescription prices and locate

nearby pharmacies.

Rally Health app gives you

direct access to ICUBA’s

interactive wellbeing program,

Blue Rewards powered by Rally

Health. Download this app and

sync it with your favorite fitness

device to start earning dollars

and coins today! Hint: Register

in City Challenges for Private

Sweepstakes entry!

MyQuest™ allows you to

conveniently access your health

information, request and receive

lab results, schedule your next

lab appointment or find the

nearest Quest Diagnostics

Patient Service Center location.

Resources for Living allows you

to access information, support

and resources to help you

manage the issues that impact

your work, life and well-being.

Bswift Benefits app gives you

instant, secure access to your

personal benefits information.

gain easy access to Insurance

Partner contact information and

use the “go to your benefits

site” feature to access

ICUBAbenefits.org! CompanyID:

ICUBABENEFITS

MyStrength allows you to

access information, support and

resources to help you manage

the issues that impact your

work, life and well-being.

MyHumana Mobile app gives

you quick access to view your

dental plan and coverage details

as well as a search feature to

help you easily locate an in-

network provider in your area.

EyeMed Members gives you

access to your benefit

information on-the-go. Check

your benefit details for eye

exams, eyeglass frames,

contacts, and lenses directly

from your phone.