new employee orientation - nova southeastern … orientation 2017.pdfnew employee orientation. total...
TRANSCRIPT
NSU is able to offer the marketplace equivalent of gold level health care coverage that provides exceptional value. Employees and their families enrolled in healthcare coverage
at NSU can continue to rely on the affordability, stability, and high quality of benefits available through our continued partnership with ICUBA.
Benefit summaries and plan information are available online at www.nova.edu/hr/benefits.
For questions or login assistance email [email protected] or call 954-262-HR4U (4748)
New Employee Orientation
Total Rewards - Benefits What is Total Rewards? Total Rewards at NSU consists of all of the tools and resources available for employees related to their benefits, compensation, recognition, performance management, work-life effectiveness, and personal & professional development.
Free In-network Benefits
When covered under the health care plan at NSU, visits to Blue Distinction Total Care Physicians, Annual Wellness exams, and routine labs at Quest Diagnostics, are at no cost to employees.
ICUBA also provides access to Nurse Case Management and the Blue Cross BlueShield Essential Advocate at no cost to covered members and in-network maternity visits are covered at 100% after initial visit co-pay.
In addition to the benefits covered at 100%, no deductible is applied before the following services are covered under the plan:
• No deductible for access to Prescriptions
• No deductible to access in-network primary care, in-network PT/OT, and in-network chiropractic visits
• No deductible to access Retail/Urgent Care visits
• No deductible for ER visits (co-pay applies)
• No deductible for in-network Emergency Transportation
Shark Tip!
Pay your bill based on your Explanation of Benefits (EOB) statement or according to your co-pay schedule. View your EOB, check claims, search for providers and more using the single sign on at http://ICUBAbenefits.org
• Electrocardiograms• Echocardiograms• Mammograms• Colonoscopies• Sigmoidoscopies• Immunizations• Allergy Injections• Bone Mineral
Density Tests• Ultrasound of the
Breast• Blue Physician
Recognition primary care visits
• Prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution
• Aspirin for adults with valid prescription
• Prescribed generic folic acid and generic pre-natal vitamins for pregnancy
• Lab Tests• Pap Tests• Urinalysis• Colorectal
Screenings• Prostate Cancer
Screenings
• Employee Assistance Program available to all NSU employees and household members
• Up to 6 in-person counselling sessions per issue per year
• Assistance available 24 hours a day, 7 days per week
• Call 877.398.5816 and select option #1
Free In-network Benefits
Health Care through BCBS-FL
Benefit SummaryPreferred PPO Plan Premier PPO Co-pay Plan
In-Network Out-of-Network In-Network Out-of-Network
Physician Office Visits 20% 40% AD* $25 Co-pay 40% AD*
Specialist Office Visits 20% 40% AD* $50 Co-pay 40% AD*
Urgent Care Center $30 Co-pay $50 Co-pay
Outpatient TherapyPT, ST and OT
20% 40% AD* $30 Co-pay 40% AD*
Outpatient Surgery Office Setting- Physician- Specialist
20%20%
40% AD*40% AD*
$25 Co-pay$50 Co-pay
40% AD*40% AD*
Behavioral Health- Inpatient- Outpatient
20% AD*20%
40% AD*40% AD*
20% AD*$25 Co-pay
40% AD*40% AD*
• Both plans are PPO plans
provided by BlueCross
BlueShield
• Preferred PPO plan has co-
insurance for covered
benefits
• Premier PPO plan has co-
pays for covered benefits
• Comprehensive summaries
are available online at
www.nova.edu/hr/benefits
Shark Tip!
Pay your bill based on your Explanation of Benefits (EOB) statement or according to your co-pay schedule. View your EOB, check claims, search for providers and more using the single sign on at http://ICUBAbenefits.org
*AD = After Deductible, not anno Domini
COINSURANCE:Coinsurance is the % of the contracted rate we pay for applicable services. Coinsurances apply to both plans for certain services, click on one of the plan summaries for more details.
CO-PAY:Fixed costs associated with certain services covered under the plan. Co-pays apply to both plans for certain services, click on one of the plan summaries for more details.
DEDUCTIBLE: APPLIES TO BOTH PLANS$2,000 individual deductible each plan year
$4,000 Family deductible each plan year
OUT OF POCKET MAXIMUM: APPLIES TO BOTH PLANS$3,500 Individual Out of Pocket Maximum each plan year
$7,000 Family Out of Pocket Maximum each plan year
Preferred and Premier PPO Plans
HRA Contributions are made by NSU when employees are enrolled in health care plans. HRA funds roll over every month and can be used to pay coinsurance, co-pays, and other eligible health care expenses!
Premier PPO Co-pay PremiumNSU monthly contributions to
medical premium & HRAEmployee contributions to
medical coverage
NSU ContributionNSU/HRA
contributionMonthlypremium
Per pay period
Employee Only Coverage
$389 $25 $220 $110
Employee & Spouse Coverage
$440 $50 $855 $427.50
Employee and Child(ren)
$466 $50 $630 $315
Family Coverage
$615 $50 $1,091 $545.50
2 NSU Employees with Children*
$855 $75 $850 $425
* Only available for 2 NSU employees insuring eligible dependent children under the healthcare plan
Preferred PPO PremiumNSU monthly contributions to
medical premium & HRAEmployee contributions to
medical coverage
NSU ContributionNSU/HRA
contributionMonthlypremium
Per pay period
Employee Only Coverage
$490 $50 $90 $45
Employee & Spouse Coverage
$617 $100 $617 $308.50
Employee and Child(ren)
$648 $100 $396 $198
Family Coverage
$829 $100 $796 $398
2 NSU Employees with Children*
$1,138 $150 $486 $243
* Only available for 2 NSU employees insuring eligible dependent children under the healthcare plan
Health Care Premium
Shark Tip!
Blue Distinction Total Care
Navigate to http://icubabenefits.org.
Login using your ICUBA username and
password1. Click on the link labelled “BCBS
MyHealthToolkit Portal” (you may need
to register on your first visit) and scroll
down to the Quick Links box
2. Click the “Find a Doctor or Hospital” link
3. Click the “Doctor and Hospital Finder”
link and enter your alpha prefix (ICI), the
provider name, and provider location
4. Select “All Blue Distinction” and your
search results will include all Blue
Distinction Total Care Physicians
1
2
4
Finding a BDTC Provider is as easy as 1,2,3…oh and 4!
Shark Tip!
When searching for providers online (either through the ICUBA portal or directly at www.myhealthtoolkitfl.com). Look for the BDTCdesignation under quality recognitions for your healthcare provider!
3
Prescription Coverage provided through Optum Rx
Retail: up to 30-day supply
Retail: up to 90-day supply
Mail Order: up to 90-day supply
Preferred Generics at NSU Pharmacy
$0 $0 N/A
Preferred Generics $5 $10 $10
Non-Preferred Generics $10 $20 $20
Preferred Brand $40 $80 $80
Non-Preferred Brand $75 $150 $150
Specialty* $75 N/A N/A
* Specialty medication available through Briova is only dispensed at a maximum of 30-day supply. For more information visit http://ICUBAbenefits.org - single sign on is enabled for Optum Rx
NSU PharmacySanford L. Ziff Center3200 S. University DriveDavie, FL 33328954-262-4550
Prescriptions through OptumRx
Shark Tip!
Talk to your pharmacist about using generic prescription medications! Generic prescriptions have the same active ingredients as their brand name counterparts and can help you save money on out of pocket expenses!
Accompanies health care coverage but provided by Aetna• Same provider for Behavioral Health & Substance Abuse and the Employee Assistance
Program (EAP)
• Transition from EAP to an in-network Aetna provider is available to employees
enrolled in healthcare coverage
• Call one number for BOTH benefits 1-877-398-5816
• Option 1 for Employee Assistance Program
• Option 2 for Behavioral Health
• Employees can find behavioral health providers through Aetna at www.docfind.com
or by calling 877-398-5816
• ICUBA members have access to all Aetna providers for Behavioral Health
Behavioral Health through Aetna
Shark Tip!
*The EAP is available to all employees at NSU! Employees do not have to be enrolled in health care coverage to use the EAP and take advantage of the six, in-person counseling sessions available – PER ISSUE PER YEAR!
Health Care Flexible Spending Account
HCFSADependent Care Flexible Spending Account
DCFSA• Funded by employee with pre-tax $$$
• Available for immediate use
• Can be used for employee and eligible dependent medical expenses
• Use-it-or-lose-it, no annual carry over
• HCFSA funds are used prior to HRA funds if enrolled in NSU health care coverage
• HCFSA maximum annual limit is $2,600
• Funded by employee with pre-tax $$$
• Available each pay period
• Dependent children under age 13 & adult disabled dependents
• NOT FOR HEALTH CARE EXPENSES!!
• Used for daycare, aftercare, summer camp
• Use-it-or-lose-it, no annual carry over
• DCFSA maximum annual limit is $5,000
Examples for how to use HCFSA
Health Care & Prescription Co-pays
Dental & Vision Care
Durable Medical Equipment
Examples for how to use DCFSA
Preschool payments
Aftercare payments
Gap camp (summer camp)
HRA is provided by NSU when enrolled in Health Care, employees cannot contribute to the HRA.
HCFSA is available to eligible employees, enrollment in Health Care is not required for participation.
DCFSA is available to eligible employees, enrollment in Health Care is not required for participation
Flexible Spending Accounts
Shark Tip!
Flex Accounts help save money, they are deducted pre-tax!
• 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 http://www.nova.edu/hr/wellness/index.html
Employee Wellness Program
Shark Tip!
Wellness Incentive Activity2017-2018
ICUBA DollarsBiometric Screening $50
Wellness Exam $50
Mammogram / PSA $45
Colonoscopy $45
Rally Survey $10
5 Rally Missions $50
2 Rally Challenge Milestones ($25 each) $50
4 Health Coaching Calls $50
5 Onsite Campus Events ($20 per event) $100
TOTAL INCENTIVE REWARDS$450
(+ unlimited coins)
• Single sign on access for employees through the ICUBA portal
• Spouse or domestic partner access is enabled through MyHealthToolKitFL.com
BlueRewards powered by Rally
Shark Tip!
*Wellness Incentives are available to employees and their spouse or domestic partner when both are covered under the medical plan offered at NSU.
BlueRewards is the wellness incentive program provided by ICUBA and powered by Rally. Wellness incentives are be redeemable for gift cards to online retailers, like Amazon, Best Buy, Walmart, and Target.
Use the ICUBA Single Sign On service to access the program and learn more.
Contact Ronenia Jenkins, the Employee Wellness Program Administrator at [email protected].
Dental and Vision
Premium Per Pay Period
HMOCS250
PPOPreventive
PPOHigh
Employee Only Coverage
$5.72 $9.74 $18.94
Employee + One Dependent
$11.46 $22.64 $37.72
Family Coverage
$17.80 $37.48 $63.44
The Dental HMO is only available
for participants in the state of
Florida.
The comprehensive dental
summary is available online at
www.nova.edu/hr/benefits under
the Dental Coverage drop down!
Dental Coverage through Humana
Shark Tip!
Employees can register for access and search providers online at www.humana.com
Frequency Limitations Base Plan Enhanced Plan
Vision Exams Once every 12 months Once every 12 months
Eyeglass Lenses Once every 12 months Once every 12 months
FramesOnce every 24 months
$100 allowanceOnce every 12 months
$130 allowance
Contact Lenses (in lieu of eyeglass lenses)
Once every 12 months$100 allowance
Once every 12 months$130 allowance
Benefit Summary In-Network CopayOut-of-Network Reimbursement
Vision Exam $5 Up to $35
Standard Frames$0
20% off balance over frameallowance
Up to $50 (Base)Up to $65 (Buy-up)
Single Vision, Bifocal, Trifocal, and Lenticular Lenses
$15Up to $20 for Single Vision,
$40 for Bifocal, $60 for Trifocal and Lenticular
Standard Progressive Lens $65 Up to $45
Contact Lenses –Conventional (in lieu of eyeglass lenses)
$0, plus 15% off balance above
allowanceUp to $104
Contact Lenses –Disposable(in lieu of eyeglass lenses)
$0, plus balance above
allowanceUp to $104
Vision Coverage through EyeMed
Shark Tip!
Employees can register for access and search providers online at www.eyemed.com
Premium Base Plan Enhanced Plan
Employee OnlyCoverage
$1.96 $2.20
Family Coverage
$5.01 $5.62
• Your legally recognized spouse or domestic partner
• Your natural child
• Your legally adopted child, a stepchild, or a foster child
• A child required to be covered pursuant to a Qualified Medical Child
Support Order
• Siblings, parents, and grandparents are not eligible dependents on the
NSU/ICUBA plans
• Social Security Numbers are required for all dependents covered
Dependent Verification
Shark Tip!
A child is a dependent until the end of the calendar year they turn 26, or are over age 26 and are incapable of self support because of a documented disability (adult disabled dependent).
You are required to notify ICUBA and remove any ineligible dependents within 30 days of changes to dependent status for eligible dependents and immediately for ineligible dependents.
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
Retirement Savings Accounts
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 http://www.nova.edu/hr/benefits/retirement-plans.html
Employeecontribution is
0% +
NSU basic contribution of
2% +
NSU SafeHarbor Match of
0% +
NSU additional match of
0% =
Total NSU contribution
2%
TOTAL RETIREMENT SAVINGS
(vested after 3 years)
Employer Matching
If employees contribute 0% after 1 year…
Employeecontribution is
1% +
NSU basic contribution of
NSU SafeHarbor Match of
NSU additional match of
Total NSU contribution
TOTAL RETIREMENT SAVINGS
(vested after 3 years)
(vested immediately)
(vested after 3 years)
(vested immediately)
Employer Matching
If employees contribute 1% after 1 year…
Employeecontribution is
2% +
NSU basic contribution of
NSU SafeHarbor Match of
NSU additional match of
Total NSU contribution
6%
TOTAL RETIREMENT SAVINGS
(vested after 3 years)
(vested immediately)
(vested after 3 years)
(vested immediately)
Employer Matching
If employees contribute 2% after 1 year…
Employeecontribution is
3% +
NSU basic contribution of
NSU SafeHarbor Match of
NSU additional match of
Total NSU contribution
TOTAL RETIREMENT SAVINGS
(vested after 3 years)
(vested immediately)
(vested after 3 years)
(vested immediately)
If employees contribute 3% after 1 year…
Employer Matching
Employeecontribution is
4% +
NSU basic contribution of
NSU SafeHarbor Match of
NSU additional match of
Total NSU contribution
14%TOTAL RETIREMENT SAVINGS
(vested after 3 years)
(vested immediately)
(vested after 3 years)
(vested immediately)
Employer Matching
If employees contribute 4% after 1 year…
Additional Benefits
Reliance Standard• Group Term Life Insurance
• Age banded rates in increments of $10,000
• Age reduced coverage
• 65-69 policy reduces to 65%
• 70+ policy reduces to 50%
• Guaranteed Issue coverage is $300,000
• Coverage available for spouse/domestic
partner and children
• Enroll online and view rates through the ICUBA
Enrollment Portal
Mass Mutual• Group Whole Life Insurance
• Fully portable
• Grows cash value over time
• Guaranteed Issue up to $100,000
• Express issue coverage (no exam only
questions) up to $200,000
• Enroll online through the ICUBA Enrollment
Portal
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
Life Insurance & Disability
Shark Tip!
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.
LegalShield• Legal advice
• Contract & Document
Review
• Audit Assistance
• Privacy Monitoring
For more information contact Kelley
Kaupas-Rheault at 954-214-0327 or via
email at [email protected]
Aflac• Complement current
benefits• Fill gaps in coverage• Full policy benefits
regardless of other coverage• Disability Insurance• Accident Insurance• Hospital Protection• Cancer Indemnity
For more information contact Joe Evans at 954-389-9100 or via email at
Additional Optional Benefits
Planning a family? Expecting mothers can use Aflac to offset hospital costs and other expenses while on maternity leave! Meet the Aflac representative to find out more “finformation”.
Shark Tip!
Login to http://ICUBAbenefits.org.
Where and How to Enroll
YouTube video on how to access the enrollment portal for the first time!
Thanks for attending and welcome to NSU! Call 954-262-4748 with any questions.