2019-2020-flipbook

3/12/2019

ICUBA Plans are Self-Funded

What does a self-funded plan mean for us?

• ICUBA pays all claims processed by medical, pharmacy and behavioral

health benefits managers from premiums collected and reserves built up
over the years

• ICUBA keeps all premium dollars saved for the exclusive benefit of our

Members

• ICUBA spends premium dollars only on benefits for our Members
• ICUBA creates Plans specifically designed by educators for educators
• ICUBA invests in a long-term culture of wellbeing so you can be the best

version of yourself

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3/12/2019

Your Call to Action

Your benefits work best when you use them!

• Take advantage of FREE preventive care services to know your baseline
• Register for Teladoc in preparation for a sore throat or sinus infection
• Call ICUBAcares to see if they can help lower your prescription cost
• Use your six FREE EAP sessions to meet with a counselor or get some

advice

• Use the BCBS pricing tools to shop for the best price for advanced

imaging

• Join a Rally City Challenge and get active – you’ll also have a chance at

winning $50

Dependent Verification

Who is an eligible dependent?

• 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 (QMCSO)
• A child with proof of legal guardianship who resides with you
• A foster child
• Dependent verification is required during Open Enrollment

A child is considered an eligible dependent until the end of the calendar year in which the child
attains age of 26. A child who is continuously incapable of self-support due to a disability
documented by SSI or SSA may remain eligible for coverage after attaining age 26.

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3/12/2019

Medical Premium

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 Preferred PPO Monthly Premium $4K/$8K PPO Monthly Premium

Coverage Monthly HRA Coverage Monthly HRA Coverage Monthly HRA
Election Tier Premium from NSU Election Tier Election Tier
Premium from NSU Premium from NSU

Employee Only $243 $50 Employee Only $99 $50 Employee Only $94 $50

+Spouse $944 $100 +Spouse $681 $100 +Spouse $674 $100

+Child(ren) $696 $100 +Child(ren) $437 $100 +Child(ren) $241 $100

+Family $1,206 $100 +Family $863 $100 +Family $644 $100

+Dual Enrolled $940 $150 +Dual Enrolled $538 $150 +Dual Enrolled $351 $150

Married employees who cover themselves & eligible dependent children are eligible to combine the Employee Only
tier and the Employee plus Child(ren) tier & elect the Dual Enrolled tier. Dual Enrolled NSU families reduce their
deductible and out-of-pocket expenses by the INDIVIDUAL amount listed for each plan on the next slide.

Medical Highlights

Premier PPO Plan Preferred PPO Plan $4K/$8K PPO Plan

$2,500 Individual Deductible $2,500 Individual Deductible $4,000 Individual Deductible
$5,000 Family Deductible $5,000 Family Deductible $8,000 Family Deductible

$4,000 Individual OOP Max $4,000 Individual OOP Max $5,350 Individual OOP Max
$8,000 Family OOP Max $8,000 Family OOP Max $10,700 Family OOP Max

Hospital Inpatient: Hospital Inpatient: Hospital Inpatient:
20% Coinsurance After Deductible 20% Coinsurance After Deductible 30% Coinsurance After Deductible

Physician’s Office Visit Physician’s Office Visit Physician’s Office Visit
$25 Copay 20% Coinsurance $35 Copay

Specialist’s Office Visit Specialist’s Office Visit Specialist’s Office Visit
$50 Copay 20% Coinsurance $70 Copay

$50 Urgent Care Copay $30 Urgent Care Copay $70 Urgent Care Copay
$300 Emergency Room Copay $300 Emergency Room Copay $500 Emergency Room Copay

Mental & Behavioral Health Mental & Behavioral Health Mental & Behavioral Health
Outpatient: $25 Copay Outpatient: 20% Outpatient: $35 Copay

Rx Copays are the same for all 3 plans 30 Day 90 Day Retail 90 Day Mail

Preferred Generic (NSU Pharmacy) $0 $0 $0
Preferred Generic (Retail Pharmacy) $5 $10 $10
Non Preferred Generic $10 $20 $20
Preferred Brand $40 $80 $80
Non-Preferred Brand $75 $150 $150
Specialty Medication (Briova Only) $75 N/A N/A

Married employees who cover themselves & eligible dependent children are eligible to combine the Employee
Only tier and the Employee plus Child(ren) tier & elect the Dual Enrolled tier. Dual Enrolled NSU families
reduce their deductible and out-of-pocket expenses by the INDIVIDUAL amount listed for each plan.

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3/12/2019

Fewer Barriers to Care

Now more than ever, it is important to be an educated healthcare consumer and understand how your plan

pays for covered services before you see a healthcare provider. The medical insurance plans available at

NSU through ICUBA are designed to remove barriers to care by offering plans where the *deductible only

applies to major services!

No Cost Access from ICUBA *Summary of services covered under the ICUBA medical plans where NO DEDUCTIBLE applies before
services are covered according to the plan.

 Blue Distinction Primary Care Advanced Imaging Annual Checkups Chiropractic Care

 Routine Medically Necessary Labs Emergency Room Emergency Transportation Health Screenings

performed at Quest Diagnostics Hospice Care Immunizations Mammogram

 In-network Annual Wellness Exams Maternity Visits Occupational Therapy Outpatient Mental Health

 ICUBAcares Pharmacist Advocate Primary Care Visits Prescription Copays Preventive Care

 EAP services FREE for ALL NSU Diagnostic Labs at Quest Speech Therapy Ultrasound of the Breast

employees! Well Woman's Exam Specialist Office Visits Urgent Care

Use your HRA funds 24/7 telemedicine from Teladoc with $5 COPAY!
to offset out-of-
pocket healthcare Single Sign-On available through the ICUBA Portal and
expenses! BCBS after setting up an account at www.Teladoc.com
using the Company Code: ICUBA

SurgeryPlus

• SurgeryPlus+ evaluates each surgeon and their facility performance before they

can participate in the SurgeryPlus+ Surgeons of Excellence network

• Each provider is licensed, board certified, accredited, has completed fellowship, and

has the lowest complication rates for their specialty

• Procedures scheduled through a SurgeryPlus+ Care Advocate will receive full

concierge service and all out-of-pocket costs will be waived, including

consultation, surgical procedure, and post-procedure appoints for up to 90 days

following the procedure!

• SurgeryPlus+ covers hundreds of medically necessary, non-emergent, planned

surgeries including, but not limited to:

 Knee  Rotator Cuff  Disk replacement
 Hip  Tendon Repair  GI
 Shoulder  Carpal Tunnel  Cardiac
 Ankle  Spine  ENT
 Wrist/Elbow  Disk repair  General surgery

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3/12/2019

Flex Spending & HRA

HRA (FROM NSU) HCFSA DCFSA

Health Reimbursement Accounts Health Care Flexible Spending Account Dependent Care Flexible Spending Account
Funded by NSU and provided when you
All employees eligible for medical insurance at NSU can enroll in Flexible Spending
enroll in an ICUBA Medical Plan 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
Can be used for medical expenses for Available for immediate use Available for use each pay period
members enrolled in a medical plan
If you elect an HCFSA the Flex funds are Can be used for medical expenses Can be used for the care of
for you & eligible dependents dependents under the age of 13
used BEFORE the HRA funds
Portable after 36 months If enrolled in an NSU medical plan: Covered expenses include:
HCFSA funds are used before HRA Day Care, After Care, Gap Camps
Funds Rollover Every Year
HCFSA maximum annual limit is $2,650 DCFSA maximum household limit is $5,000
Examples of how to use HRA:
FOR ELIGIBLE MEDICAL EXPENSES Use-it-or-lose-it, no annual carry over

- Health Care & Rx Co-pays Examples of how to use HCFSA: Examples for how to use DCFSA:
- Dental & Vision Care FOR ELIGIBLE MEDICAL EXPENSES NOT FOR MEDICAL EXPENSES

- Durable Medical Equipment - Health Care & Rx Co-pays - Pre-school payments
- Dental & Vision Care - After Care payments
- Gap camp (summer camp)
- Durable Medical Equipment

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, 2018. Enroll in flexible spending in the
ICUBA Enrollment Portal online at http://icubabenefits.org.

Supplemental Gap Insurance

Gap insurance is a supplement to your medical insurance that can help offset medical expenses
you may incur when hospitalized or before you meet your deductible and out-of-pocket
maximum limit in the new plan year.

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 Premium *Please note: Participation in the gap insurance plan is
subject to minimum participation requirement for NSU
Premier & Preferred Gap $4,000/$8,000 Gap employees. In the event NSU does not meet the minimum
$2,500 Benefit $4,000 Benefit participation requirements of the benefit provider your policy
will not be active and your Gap Insurance election will be null
Employee Only: $26.40 Employee Only: $34.04 and void. Gap Insurance annulment does not permit late
changes to your ICUBA Medical Plan election.
+Spouse: $47.56 +Spouse: $61.30
For more information contact Joe Evans at 954-560-6000 or
+Child(ren): $50.64 +Child(ren): $65.32 by email at [email protected].

+Family: $71.78 +Family: $92.56

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3/12/2019

GAP Premiums

4K/8K Plan

Premier & Preferred

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3/12/2019

Dental & Vision Insurance

3 dental plans are available from Humana. The Vision insurance for prescription glasses and contact
Dental HMO, the Preventive Plus PPO covers basic & lenses is available from EyeMed*. The Base plan
preventive services, and the High Coverage PPO provides new frames every 24 months, the Enhanced
covers basic, major, and preventive services. plan provides new frames every 12 months.

Election DHMO Preventive High Option Election Base Plan Enhanced Plan

Employee Only $11.83 $19.67 $40.81 Employee Only $3.91 $4.83
+One $23.73 $45.72 $81.29
+Family $36.85 $75.69 $136.71 +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 generally covered under your medical insurance plan.

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 For customer service, visit www.eyemed.com or
call 866-804-0982.

ICUBA is on the INSIGHT Network!

Behavioral Health & EAP

Coverage is attached to medical insurance & administered by Aetna.

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 877-398-5816 and
press 1 after the prompt for EAP, or
press 2 after the prompt for 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

Send unlimited
multimedia messages

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3/12/2019

Pet Assure with Pet Plus Rx

Pet Assure provides discounts on all in-
house medical services with no deductible,
no exclusions, and no waiting period. Pet
Plus prescription coverage provides access
to reduced cost prescription medication
with free shipping or pick up at more than
50,000 pharmacies. Coverage is available
for single and multiple pet households.

LegalShield & IDShield

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3/12/2019

Retirement Savings

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:
http://www.nova.edu/hr/benefits/retirement-plans.html
How to access the Retirement Manager Enrollment Portal to make or change elections:
http://www.nova.edu/hr/benefits/forms/Retirement%20Manager%20Quick%20Reference.pdf
An interactive Brainshark presented by TIAA is available online:
https://www.brainshark.com/tiaa-cref_direct/NovaSoutheasternUniversity

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
http://www.nova.edu/hr/benefits/retirement-plans.html

NSU 401(k)

If you contribute 0%
after 1 year…

NSU additional
match of Total NSU contribution
0% = 2%
NSU Safe
Harbor Match of
0% +
NSU basic
contribution of
2% +

(vested after 3 years) TOTAL RETIREMENT
SAVINGS
Employee
contribution is

0% +

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3/12/2019

NSU 401(k)

If you contribute
1% after 1 year…

NSU additional
match of Total NSU contribution

NSU Safe
Harbor Match of

(vested after 3 years)

NSU basic
contribution of (vested immediately)

(vested after 3 years) TOTAL RETIREMENT
SAVINGS
Employee
contribution is

1% +

(vested immediately)

NSU 401(k)

If you contribute
2% after 1 year…

NSU additional
match of Total NSU contribution
6%
NSU Safe
Harbor Match of

NSU basic (vested after 3 years)

contribution of(vested immediately)

Employee(vested after 3 years) TOTAL RETIREMENT
contribution is SAVINGS

2% +

(vested immediately)

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3/12/2019

NSU 401(k)

If you contribute
3% after 1 year…

NSU additional
match of Total NSU contribution

NSU Safe
Harbor Match of

NSU basic (vested after 3 years)

contribution of(vested immediately)

Employee(vested after 3 years) TOTAL RETIREMENT
contribution is SAVINGS

3% +

(vested immediately)

NSU 401(k)

If you contribute
4% after 1 year…

NSU additional
match of Total NSU contribution

NSU Safe
Harbor Match of

NSU basic (vested after 3 years)

contribution of(vested immediately) 14%
Employee(vested after 3 years)
contribution is
4% +
TOTAL RETIREMENT
(vested immediately) SAVINGS

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3/12/2019

No computer? No Problem!

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

The Bswift Benefits App
Instant, secure access to your NSU benefits through ICUBA! Your current elections, beneficiaries, and provider contact
information are at your fingertips. Use your ICUBA Portal username and password (ICUBABENEFITS is the company ID).
The Resources for Living App
The Resources for Living app allows you to access information, support and resources to help you manage the issues that
impact your work, life and well-being.
The OptumRx App
With the OptumRx mobile app, you have instant, secure access to your personal prescription information and trusted
pharmacy resources. Check your prescription history, compare prescription prices and locate nearby pharmacies all from
the convenience of your phone.
The Quest Diagnostics App
The MyQuest for Patients mobile app 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.
The Humana Dental App
The 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.
The EyeMed Vision App
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.

Social Media

NSU Benefits and
Wellness YouTube

Channel
@NSUBenstagram

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