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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