LET’S TALK ABOUT

[Pages:32]WELCOME SHARKS!

LET'S TALK ABOUT OPEN ENROLLMENT

Open Enrollment

February 10, 2020 through February 21, 2020

Open Enrollment web page available at

Benefits Fair

February 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! ? 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!

Same Great Benefits Continue...

? 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

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

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 Employee Only +Spouse +Child(ren) +Family

Monthly Premium

$102 $702 $450 $889

HRA from NSU

$50 $100 $100 $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

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.

Medical Plan Highlights In-Network Benefits

In-Network Benefit Summary Comparison Deductible (Individual/Family) Coinsurance Out-of-Pocket Maximum (Individual/Family- medical copays, deductibles & coinsurance) Physician Office Visits Specialist Office Visits Urgent Care Center Outpatient Therapy - PT, ST and OT Emergency Room Services (Copay waived if admitted) Durable Medical Equipment and Prosthetic Appliances Hospital Inpatient

Independent Clinical Labs (free standing facilities and office visits)

Mental Health & Substance Abuse Inpatient Outpatient

Blue Distinction Total Care PCP Teladoc (1-800-Teladoc) Convenient Care Clinics Preventive Care Outpatient Diagnostic Imaging (MRI, MRA, CAT Scan, PET Scan) Ambulance

Preferred PPO $2,500/$5,000

20% $4,000/$8,000

20% 20% $30 Copay 20% $300 Copay 20% AD* 20% AD* 0% - Quest 20% - Outpatient Setting

Premier Copay PPO $4,000/$8,000 Ded PPO

$2,500/$5,000

$4,000/$8,000

20%

30%

$4,000/$8,000

$5,350/$10,700

$25 Copay

$35 Copay

$50 Copay

$70 Copay

$50 Copay

$70 Copay

$30 Copay

$40 Copay

$300 Copay

$500 Copay

20% AD*

30% ALD**

20% AD*

30% AD*

0% - Quest

0% - Quest

20% - Outpatient Setting 30% - Outpatient Setting

20% AD* 20%

20% AD* $25 Copay

$0 $5 Copay $10 Copay

0% Up to $500 Copay

$250 Copay

30% AD* $35 Copay

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

Medical Plan - Eliminating Barriers to Care

No Cost Benefits

No Deductible Benefits

Deductible Major Services Only

? Blue Distinction Total Care Physician ? Primary care physician office visits ? Durable medical equipment

Visits

? Maternity visits

? Hearing aids

? In-network annual wellness exams ? Specialist physician office visits

? Home health care

? Medically necessary preventive

? Prescription drugs

? Hospital delivery expenses for

services

? Advanced imaging (MRI, CT, PET)

maternity

? Medically necessary labs performed ? Occupational, physical and speech ? Hospital expenses

at Quest Diagnostics

therapy

? Hospital or out-patient surgery

? Bone mineral density tests

? Chiropractic services

(unless through SurgeryPlus)

? Colonoscopies

? Teladoc

? In-patient mental health/substance

? EAP services for ALL employees

? Convenient care clinic

abuse treatments

? ICUBAcares pharmacy assistance ? Urgent care

? Inpatient rehabilitation

? Immunizations

? Emergency transportation

? Outpatient facility charges

? Mammograms & ultrasound of the ? Emergency room

? Private duty nursing

breast

? Outpatient mental health/substance ? Prosthetic appliances

? SurgeryPlus non-emergent

abuse

? Skilled nursing rehab

surgeries

? TMJ

Use your HRA funds to offset out-of-

? Ultrasound (except breast) ? X-ray

pocket healthcare

expenses!

Medical Plan - No Cost SurgeryPlus

Surgeon Quality

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

Financial Incentive 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

? Knee ? Hip ? Shoulder ? Foot & Ankle ? Wrist & Elbow

? Spine ? General Surgery ? Gastroenterology ? GYN ? Bariatric ? Cardiac ? ENT

Full-Service Concierge

You have access to a dedicated care advocate throughout your healthcare journey

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