NSU Belongs to the ICUBA Health Insurance Consortium . ICUBA is comprised of 10 colleges and universities and 17 secondary schools . Approximately 10,000 enrolled employees covering 16,000 lives . NSU’s 3,200 enrolled employees represent 34% of ICUBA’s participating employees

Products and Services Provided by ICUBA Medical Insurance Prescription Drug Coverage Behavioral Health Coverage Dental Insurance Vision Plan Health/Dependent Care FSA Health Reimbursement Account COBRA/Retiree Health Administration Benefit Enrollment Site Health Care Compliance Administration Rally Wellness Program Employee Assistance Program ICUBA Health Insurance Consortium

Members Beacon College The Bolles School Canterbury School of Fort Myers Central AHEC Corbett Preparatory School of IDS Everglades AHEC Florida Institute of Technology Good Shepherd Episcopal School Grace Episcopal Day School Jacksonville Country Day School Nova Southeastern University Palm Beach Atlantic University The Poynter Institute Saint Edward’s School St. Mark’s Episcopal Day School Saint Paul’s School Saint Stephen’s Episcopal School San Jose Episcopal Day School Tampa Preparatory School Unity School Westminster Christian School Visit the Benefits Website https://www.nova.edu/hr/benefits Enroll on The ICUBA Portal http://icubabenefits.org

1) Follow login instructions (see red box) 2) Add dependents (if you have them) 3) Ask Emma (if you need help) 4) Elect benefits (date of hire + 30 days)

If you have questions while enrolling for benefits  Emma is a decision support tool designed to help you make an informed decision about benefits for you & your family. Emma will guide you through a short series of questions about how you use your benefits and estimates your annual costs using real-life scenarios based on the answers you provide. Dependent Verification Who is an eligible dependent? • Your legally recognized spouse or domestic partner; • Your natural child, stepchild, legally adopted child, your legal ward, foster child or a child covered by a Qualified Medical Child Support Order (QMCSO); • Your child is considered an eligible dependent until the end of the calendar year in which they turn 26; • Your adult child who is disabled and incapable of self- support may be considered an eligible dependent if documented by SSI or SSA. 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 Medical Premium

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 Premium from NSU Election Tier 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

The Dual Enrolled tier is for married employees who cover themselves & eligible dependent children. This tier combines the premium for Employee Only and Employee plus Child(ren). This way Dual Enrolled NSU families aggregate the deductible and out-of-pocket expenses which eliminates the need to meet an extra deductible. Medical Premium IMPORTANT POINTS TO KEEP IN MIND ABOUT COLLECTION OF PREMIUMS:

• Coverage and premium collection begin on the hire date

• The new hire enrollment period starts on the hire date and ends 30 days later

• A premium payment may be missed when enrollment occurs later in the enrollment period

• Should this happen, the missed premium will be collected retroactively Eliminating Barriers to Care

• ICUBA collects premium to pay claims for medical, pharmacy and behavioral health and plan administrative services – premium collected is used for the exclusive benefit of members

• ICUBA and its members designed a value-based plan that provides free and low-cost wellness benefits

• These value-based benefits eliminate barriers to care, provide members access to wellness benefits that identify emergent health issues early

• Investment in a long-term culture of wellness enables members to maintain optimal health Eliminating Barriers to Care NO-COST BENEFITS

• In-network Annual Wellness Exams • Blue Distinction Primary Care Physician Visits • Routine Medically Necessary Labs performed at Quest Diagnostics • Prescribed Diabetic Supplies, Meters, Lancets, Test Strips, Needles And Syringes • ICUBAcares Pharmacist Advocate • Surgery Plus + Surgical Services • EAP SERVICES FREE FOR ALL NSU EMPLOYEES Eliminating Barriers to Care NO-COST BENEFITS SurgeryPlus+

• Specialized PPO network for non-emergent surgical procedures

• Deductibles and out-of-pocket expenses are waived for consultations, surgical procedure, and follow up care for up to 90 days following the surgery

• Care Advocates provide full concierge service will collect medical records, arrange the initial consultation, schedule the procedure, and coordinate post-operative care

• Hundreds of surgeries available including, but not limited to:

 Knee  Disk Repair/Replace  Spine  Hip  Rotator Cuff  GI  Shoulder  Tendon Repair  Cardiac  Ankle  Carpal Tunnel Eliminating Barriers to Care NO-COST BENEFITS

• Lab Tests • Electrocardiograms • Our Employee • Prescribed diabetic • Pap Tests • Echocardiograms Assistance Program supplies including • Urinalysis • Mammograms is available to all meters, lancing • Colorectal • Colonoscopies and members of your devices, lancets, Screenings Sigmoidoscopies household test strips, control • Prostate Cancer • Immunizations • Receive up to 6 solution, needles, Screenings • Allergy Injections FREE face-to-face and syringes • Bone Mineral counseling sessions • Prescribed Aspirin Please note: Lab tests Density Tests per plan year for adults performed at an in- • Ultrasounds of the • Prescribed generic network physicians Breast Call the Resources folic acid and office and not sent to • Primary Care BDTC for Living EAP generic prenatal Quest Diagnostics may Visits 24-hours a day at vitamins for be subject to 1-877-398-5816 pregnancy coinsurance • Prescribed generic (deductible does not statins (if eligible) apply beginning 04/01/1). Eliminating Barriers to Care

BE AN EDUCATED HEALTHCARE CONSUMER UNDERSTAND HOW YOUR PLAN PAYS FOR SERVICES BEFORE YOU SEE A PROVIDER

NO-DEDUCTIBLE IN-NETWORK BENEFITS Advanced Imaging Immunizations Primary Care Visits Chiropractic Care Maternity Visits Specialist Office Visits Emergency Room Occupational Therapy Speech Therapy Emergency Transportation Outpatient Mental Health Urgent Care Hospice Care Prescription Copays

TELADOC - $5 COPAY Single Sign-On through the ICUBA Portal & BCBS Set up account at www.Teladoc.com use Company Code: ICUBA Eliminating Barriers to Care

Teladoc gives you access 24/7 to a U.S. board-certified doctor through the convenience of phone, video or mobile app visits. Set up your account today so when you need care now, a Teladoc doctor is just a call or click away. Pharmacy Benefits Coverage is attached to medical insurance & administered by OptumRx

PRESCRIPTION DRUG COPAYS ARE THE SAME FOR ALL ICUBA MEDICAL PLANS 30‐day 90‐day Retail 90‐day Mail PREFERRED GENERICS AT NSU PHARMACY $0 $0 N/A PREFERRED GENERICS AT RETAIL PHARMACY $5 $10 $10 NON‐PREFERRED GENERICS $10 $20 $20 PREFERRED BRAND $40 $80 $80 NON‐PREFERRED BRAND $75 $150 $150 *SPECIALTY MEDICATION IS FULFILLED THROUGH $75 N/A N/A BRIOVA ICUBAcares PHARMACIST ADVOCATE NAVIGATE COPAY TIERS, OBTAIN PRIOR AUTHORIZATIONS, IDENTIFY LOWER COST DRUGS CALL 877-286-3967 Behavioral Health & EAP Benefits 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 HRA & Optional FLEX SPENDING 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 Available for immediate use Available for use each pay period Can be used for medical expenses for Can be used for medical expenses Can be used for the care of members enrolled in a medical plan for you & eligible dependents dependents under the age of 13 If you elect an HCFSA the Flex funds are If enrolled in an NSU medical plan: Covered expenses include: used BEFORE the HRA funds HCFSA funds are used before HRA Day Care, After Care, Gap Camps Portable after 36 months HCFSA maximum annual limit is $2,650 DCFSA maximum household limit is $5,000 Funds Rollover Every Year Use-it-or-lose-it, no annual carry over Examples of how to use HRA: Examples of how to use HCFSA: Examples for how to use DCFSA: FOR ELIGIBLE MEDICAL EXPENSES FOR ELIGIBLE MEDICAL EXPENSES NOT FOR MEDICAL EXPENSES - Health Care & Rx Co-pays - Health Care & Rx Co-pays - Pre-school payments - Dental & Vision Care - Dental & Vision Care - After Care payments - Durable Medical Equipment - Durable Medical Equipment - Gap camp (summer camp)

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, 2019. Enroll in flexible spending in the ICUBA Enrollment Portal online at http://icubabenefits.org. HRA & Optional FLEX SPENDING

Use the ICUBA MasterCard to access funds in your HRA or FSA account

Single sign-on access to HRA and Flexible Spending Account information including spending summaries is available on the ICUBA portal Optional Dental & Vision Insurance

1. The Dental HMO provides service only in Florida, 1. EyeMed provides coverage for prescription glasses provider must be selected, no deductible or and contact lenses maximum, services reimbursed according to DHMO schedule 2. Base plan provides new frames every 24 months 2. The Preventive Plus PPO covers basic & preventive services only; annual maximum is $1,000 3. Enhanced plan provides new frames every 12 3. The High Option PPO and DHMO covers basic, major, months and preventive services ; annual maximum is $2,000

Election DHMO Preventive High Option Election Base Plan Enhanced Plan Employee Only $3.91 $4.83 Employee Only $11.83 $19.67 $40.81 + Family $10.02 $12.36 + One $23.73 $45.72 $81.29 * Vision insurance is for routine visits to an optometrist and provides coverage for glasses and contact + Family $36.85 $75.69 $136.71 lenses. The health of your eyes is generally covered under your medical insurance plan.

DHMO PPO

NSU Dental Faculty Practice and the Eye Care Institute are participating providers Optional Gap Insurance

• Supplemental insurance that offsets in-patient and certain out- patient medical expenses

• Must be covered under a medical insurance plan at NSU

• Must elect the same tier as the NSU medical insurance plan - employee only, employee plus child(ren), employee plus spouse, and family

Gap Insurance Monthly Premium

Premier & Preferred $4,000/$8,000 PPO Plan Gap Coverage / $2,500 Benefit Gap Coverage / $4,000 Benefit

Employee Only: $26.40 Employee Only: $34.04 + Spouse: $47.56 + Spouse: $61.30 + Child(ren): $50.64 + Child(ren): $65.32 + Family: $71.78 + Family: $92.56 Optional Gap Insurance Optional Aflac Insurance

Fill in insurance gaps with Aflac Policies

 Short -Term Disability Insurance  Accident Advantage  Aflac Choice (Hospital Confinement)  Aflac Cancer Care Premier

For information about the AFLAC products call Joe Evans at 954-560-6000 Optional Group Term Life

• Guarantee Issue – up to maximum coverage amount of $300,000 • No Medical Questions – for new employee elections • Age Banded Group Rates – purchase in increments of $10,000 • Dependent Coverage Available - spouse/domestic partner/child • Portable – take it with you • Benefit Age Reduction - at 65 to 67% & at 70 to 50% Optional LegalShield & IDShield Optional Pet Assure with Pet Plus Rx

Pet Assure Veterinary Discount Plan

Receive discounts on in-house medical services with no deductible, no exclusions and no waiting period when visiting a participating veterinarian.

Pet Plus Prescription Savings Plan

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.

$11.75 a month single pet - $18.50 a month unlimited pets More Benefits Provided By NSU ELIGIBLE EMPLOYEES WORK 19.2 HOURS OR MORE PER WEEK

Life Insurance and AD&D In the amount of 1X Salary (does not include overtime or overloads). Make sure you provide your beneficiary information in the ICUBA portal. Eligible employees must work 90 days before Life Insurance is effective.

Long Term Disability (LTD) provides LTD payments to eligible participants who are totally disabled under the terms and conditions of the Policy. Eligible employees must work 90 days before Life Insurance is effective.

Short Term Disability (STD) provides short term payments to eligible employees who are disabled and unable to work according to the terms and conditions of the Program. The program is administered by the university’s designated leave administrator. Eligible employees must work 90 days before STD program is available.

Emergency Medical Travel Assistance is available through the life insurance policy, eligible employees after 90 days of employment.

Tuition Waiver the amount of the waiver will vary by degree program. Eligible employees must work 6 months before Tuition Waiver is available. More Benefits Provided By NSU Rally EMPLOYEE WELLNESS PROGRAM When you enroll into an ICUBA medical plan, you open the door to exciting ways to reach your WellBeing potential More Benefits Provided By NSU Rally EMPLOYEE WELLNESS PROGRAM

2019/2020 RALLY INCENTIVES ACTIVITY RALLY INCENTIVES Gatekeeper RALLY SURVEY + 400 Coins & ICUBA Private Sweepstakes $250 INCENTIVE DOLLARS BIOMETRIC SCREENINGS $25 (REDEEM FOR GIFT CARDS IN RALLY) ONSITE/CAMPUS EVENTS $10 each (up to $50) WELLNESS EXAMS $25 COLONOSCOPY $50 MAMMOGRAM/PSA $50 UNLIMITED RALLY COINS ICUBACARES $50 Unlimited Coins MISSIONS & ICUBA Private Sweepstakes Unlimited Coins CITY CHALLENGES ICUBA PRIVATE SWEEPSTAKES & 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 $250 29 More Benefits Provided By NSU Retirement Savings

Whether you're a seasoned investor or a retirement savings rookie, NSU has you covered with access to best-in-class retirement savings options from AIG and TIAA, and industry leading financial advice through our partnership with AIG, TIAA, and CAPTRUST.

When are you eligible to contribute? If you are an eligible employee who is 21 years of age or older and working 19.2 hours or more per week, you can contribute to the NSU 401(k) Plan on a non-matched basis on the first of the month following your date of hire.

When are you eligible for the NSU match? If you are an eligible employee who is 21 years of age or older and working 19.2 hours or more per week, you can receive the NSU 401(k) Match on the first of the month following your one- year anniversary. Retirement Savings Contribution Calculator https://www.nova.edu/hr/benefits/retirement-plans.html

My Retirement Manager Portal https://www.myretirementmanager.com/myrm/login/login.aspx Retirement Savings

If you contribute 0% after 1 year …

NSU a d d it io n a l To t a l N S U match of contribution NSU Safe 0% = 2% Harbor Match of 0% + NSU b a sic contribution of 2% + (vested after 3 years) Employee c o n t rib u t io n is 0% + TOTAL RETIREMENT SAVINGS Retirement Savings

If you contribute 4% after 1 year …

NSU a d d it io n a l To t a l N S U match of contribution NSU Safe Harbor Match of (vested after 3 years)

NSU b a sic (vested immediately) contribution of

(vested after 3 years) Employee c o n t rib u t io n is 4% + 14% (vested immediately) TOTAL RETIREMENT SAVINGS Retirement Savings

NSU provides FREE individual counselling sessions with our investment providers AIG, TIAA and CAPTRUST.

Make an appointment with an advisor – learn how by visiting http://www.nova.edu/hr/benefits/retirement-plans.html

Meet with a Financial Advisor and discuss how to: • Take maximum advantage of NSU retirement plan • Develop a retirement strategy • Diversify your retirement account • Lower your taxable income Family & Medical Leave

Employees who have worked at NSU for 12 months and have worked at least 1,250 hours in the 12-month period immediately preceding their necessity for Family and Medical Leave.

Employees who meet these eligibility requirements and provide notice to the university’s designated leave administrator will be entitled to 12 work weeks of leave.

Leave is applied against the employee’s accrued sick, personal, and vacation leave. May be granted for one or more of the following reasons:

• Birth of a child • Placement of a child for adoption or foster care • Care for the spouse, child, or parent with a serious health condition • Serious health condition of an employee • Care for a covered service member • Military caregiver or military exigency No computer? No Problem! Your benefit information is available at your fingertips mobile apps are available for iOS and Android

Bswift Benefits 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).

Aetna Resources for Living 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.

OptumRx 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.

Quest Diagnostics 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.

Humana Dental 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.

EyeMed Vision 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. Find Us On Social Media

NSU Benefits and Wellness You Tube Channel @NSUBenstagram Call to Action follow the links below

• ENROLL BY CLICKING HERE! • USE YOUR FREE PREVENTIVE CARE BENEFITS – stay heathy & identify emergent health issues early • JOIN THE RALLY WELLNESS PROGRAM – get active & earn incentives • CONSULT WITH AN ICUBACARES PHARMACIST - lower your RX cost • REGISTER FOR TELADOC - before you need a quick medical consultation • USE THE EAP - six free EAP sessions for you & your household members • FIND THE BEST PRICE FOR ADVANCED IMAGING - use the BCBS pricing tool • START YOUR RETIREMENT SAVINGS – secure your future Florida NOVASOUTHEASTERN UNIVERSITY