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					                  Open Enrollment
       February 11th through February 27th
             Plan Year April 1, 2011 - March 31, 2012




Blue Cross Blue Shield 2010 Employee Health Benefit Leadership Award
                  WHI Empower 2008 Award Winner
ICUBA Schools




                2
ICUBA Partners




   ICUBA CaresTM MasterCard®
                              Introduction
• Enrollment begins 5:00 PM February11th and concludes February 27th at
  midnight
• Elections are effective for Plan Year 4/1/2011 to 3/31/2012, unless you experience
  a Qualified Status Change
• Benefit deductions begin with the first pay date in April (paycheck date 04/08/2011)
• If you want a Flexible Spending Account(s), you must make an election every year
• Use the Predictive Modeling Tool (select “View Plan Comparisons” on the “Medical
  Election Page”), this tool will help you estimate your out-of-pocket expenses and
  lay out your plan choices side-by-side
• Enroll your eligible dependent(s) up to age 26
• Enroll on-line at http://icubabenefits.org
     Waive or enroll by February 18th and you will be entered to win an iPad
              Commonly Used Terms
• Deductibles: The cumulative amount that you must pay in the Plan Year before
  benefits will be paid by the Plan. If the Plan has a $750 deductible, the Plan
  begins to pay after you have paid the first $750 for services in which the
  deductible is required.
• Coinsurance: The percentage of a covered expense that you pay after the
  satisfaction of any applicable deductible. It is a defined percentage of the
  covered charges for services rendered. For example, the plan may pay for 70%
  of covered services and you pay 30%.
• Copays (Co-payments): The fixed dollar amount you are required to pay each
  time a particular service is used. The copay applies to out-of-pocket, but does
  not reduce amounts applied to the Deductible. A copay may be $20 for an office
  visit.
• Annual Out-of-Pocket Maximum: The maximum amount of deductible and co-
  insurance during any Plan Year that you pay before the Plan begins to pay 100%
  of Covered Expenses for the balance of the Plan Year.
• Flexible Spending Account: A Medical Care or Dependent Care Savings
  account in which you put aside pre-tax dollars to pay for eligible expenses.
• Centers of Excellence: Preferred places of care with the best outcomes, finest
  operational standings and best patient care.
                      Plan Highlights
Similarities                         Differences

• WHI Prescription Drug Benefit      • Premiums

                                     • Provider Networks -
• Free In-Network Wellness Benefit
                                       Blue Options or Blue Choice
• Free ICUBA CaresTM Benefits
                                     • Deductibles
• Plan Rules
                                     • Coinsurance
• 24/7 Health Info Hotline           • Copays

• ER & Urgent Care                   • Annual Out-of-Pocket
                                       Maximums

                                     • HRA Contributions
What is the Same This Year?

    •   Four Global BCBS Medical Plans
    •   Blue 365® Discount Program
    •   MHNet Behavioral Health
    •   Walgreens Health Initiative
        (WHI) RX Benefits & Network
    •   Walgreens Discount Card
    •   ICUBA CaresTM MasterCard®
    •   Advantica Eyecare
    •   Humana Dental
    •   Free In-Network Wellness Benefits
      Free Wellness Benefits
            In-Network
• Aspirin for adults with a physician prescription
• Prescribed generic folic acid and pre-natal vitamins
  for pregnancy
• Diabetic Supplies such as One Touch meters,
  lancets, strips and Novofine® needles
• Employee Assistance Program available to all
  employees and members of their household
• Better You From BlueTM Health Fairs with $25
  incentive for participation
• Annual Physical and Gynecological Exam
• Abdominal aortic aneurysm screening age 60 & up
          Free Wellness Benefits
                In-Network
•   Immunizations                •   Lab Tests
•   Colonoscopies                •   Pap Tests
•   Sigmoidoscopies              •   Mammograms
•   Colorectal Screenings        •   Urinalysis
•   Prostate Cancer Screenings   •   Electrocardiograms
•   Allergy Injections           •   Echocardiograms
•   Bone Mineral Density Tests   •   All covered at 100%
       What is Different this Year?

• Deductibles increase by $250, except for RR
  family deductible which decreases by $500
• Lifetime maximum benefit is lifted
• All in-network medical co-pays accrue to out-of-
  pocket maximum
• Dependents can be covered up to age 26
• Pre-existing condition limitation for dependents
  up to age19 is lifted
• No co-pay or coinsurance for in-network wellness
  office visit
        What is Different this Year?
• Dollar limits on Durable Medical Equipment are
  lifted
• Free aspirin & prenatal vitamins with a prescription
  under RX plan
• RX co-pays now have an out-of-pocket maximum,
  $2,000 individual and $4,000 family
• Autism benefits covered, including Applied
  Behavioral Analysis
• BCBS Care Consultants can help you find low-cost
  providers and save you money
Benefit                                       PPO 70                                    Risk/ Reward
                                 Network               Non-Network              Network              Non-Network

Deductible
                               $750/$2,250             $1,250/$3,750          $1,750/$4,000          $3,250/ $9,750
Individual/Family

Coinsurance                30% after deductible     50% after deductible   20% after deductible   40% after deductible

Out of Pocket
Maximum (includes all
medical co-pays,
                              $3,000/$6,000            $6,000/$12,000         $3,500/$7,000         $7,000/$14,000
deductibles, and
coinsurance)
Physicians Office Visit
(includes General
Practice, Internal
                               $20 co-pay;                                        20%                     40%
Medicine, Family                                    50% after deductible
                              no deductible                                   no deductible         after deductible
Practice, Pediatrician,
OB/GYN and
Behavioral Health)
                               $30 co-pay;                                        20%                     40%
Specialist Office Visit                             50% after deductible
                              no deductible                                   no deductible         after deductible

Wellness Exam                       $0                  Not Covered                $0                Not Covered

                          $100 co-pay, and 30%              50%                    20%                    40%
Diagnostic Imaging
                             after deductible         after deductible       after deductible       after deductible

                               $30 co-pay;              $30 co-pay;               20%                    20%
Urgent Care
                              no deductible            no deductible          no deductible          no deductible

                               $100 co-pay             $100 co-pay             $100 co-pay           $100 co-pay
Emergency Room
                          (waived if admitted) no   (waived if admitted)   (waived if admitted)   (waived if admitted)
Services
                                deductible            no deductible           no deductible         no deductible

                          $250 co-pay, and 30%      $500 co-pay and 50%
Hospital Inpatient                                                         20% after deductible   40% after deductible
                             after deductible         after deductible                              12
                         Did you know?
                                                     Annual NSU     Annual NSU     Annual NSU
             NSU Benefit Enrollment Option            Premium          HRA            Total       • NSU will contribute
                                                     Contribution   Contribution   Contribution     approximately 17
PPO 70 Blue Options Plan-Employee Only                $4,680.00       $300.00       $4,980.00       million dollars to
PPO 70 Blue Options Plan-Employee and Spouse          $4,680.00      $1,200.00      $5,880.00
                                                                                                    employee
                                                                                                    healthcare
PPO 70 Blue Options Plan-Employee and Children        $4,680.00      $1,440.00      $6,120.00
                                                                                                    coverage costs in
PPO 70 Blue Options Plan-Family                       $4,680.00      $1,800.00      $6,480.00       the 2011-2012 plan
                                                                                                    year!
PPO 70 Blue Choice-Employee Only                      $4,320.00       $180.00       $4,500.00
                                                                                                  • Annual premium
PPO 70 Blue Choice-Employee and Spouse                $4,320.00       $540.00       $4,860.00
                                                                                                    for 2011-2012 plan
PPO 70 Blue Choice-Employee and Children              $4,320.00       $780.00       $5,100.00       year:
PPO 70 Blue Choice-Family                             $4,320.00      $1,080.00      $5,400.00
                                                                                                    $14,209,902.00

PPO Risk/Reward Blue Options-Employee Only            $4,680.00       $420.00       $5,100.00
                                                                                                  • Annual HRA for
                                                                                                    2011-2012 plan
PPO Risk/Reward Blue Options-Employee and Spouse      $4,680.00      $2,400.00      $7,080.00
                                                                                                    year:
PPO Risk/Reward Blue Options-Employee and Children    $4,680.00      $2,700.00      $7,380.00       $2,686,500.00
PPO Risk/Reward Blue Options-Family                   $4,680.00      $3,600.00      $8,280.00     • Total Premium
                                                                                                    Contributions
PPO Risk/Reward Blue Choice-Employee Only             $4,320.00       $360.00       $4,680.00
                                                                                                    2011-2012 plan
PPO Risk/Reward Blue Choice-Employee and Spouse       $4,320.00      $1,500.00      $5,820.00       year:
PPO Risk/Reward Blue Choice-Employee and Children     $4,320.00      $1,800.00      $6,120.00
                                                                                                    $16,896,402.00

PPO Risk/Reward Blue Choice-Family                    $4,320.00      $2,400.00      $6,720.00
                               Making a Choice
                                             Benefit Premium
                                     Monthly Employer             Monthly HRA           Monthly Employee   Bi-Weekly Employee
Coverage/Tier                          Contribution               Contribution            Contribution         Contribution
EMPLOYEE ONLY
PPO 70 Blue Choice                         $360.00                    $15.00                $240.00             $120.00
PPO 70 Blue Options                        $390.00                    $25.00                $184.00              $92.00
PPO Risk/Reward Blue Choice                $360.00                    $30.00                $115.00              $57.50
PPO Risk/Reward Blue Options               $390.00                    $35.00                 $57.00              $28.50

EMPLOYEE & SPOUSE
PPO 70 Blue Choice                         $360.00                    $45.00                $839.00             $419.50
PPO 70 Blue Options                        $390.00                    $100.00               $757.00             $378.50
PPO Risk/Reward Blue Choice                $360.00                    $125.00               $590.00             $295.00
PPO Risk/Reward Blue Options               $390.00                    $200.00               $503.00             $251.50

EMPLOYEE & CHILDREN
PPO 70 Blue Choice                         $360.00                    $65.00                $720.00             $360.00
PPO 70 Blue Options                        $390.00                    $120.00               $643.00             $321.50
PPO Risk/Reward Blue Choice                $360.00                    $150.00               $495.00             $247.50
PPO Risk/Reward Blue Options               $390.00                    $225.00               $414.00             $207.00

EMPLOYEE & FAMILY
PPO 70 Blue Choice                         $360.00                    $90.00               $1,318.00            $659.00
PPO 70 Blue Options                        $390.00                    $150.00              $1,217.00            $608.50
PPO Risk/Reward Blue Choice                $360.00                    $200.00               $969.00             $484.50
PPO Risk/Reward Blue Options               $390.00                    $300.00               $860.00             $430.00

MARRIED EMPLOYEES WITH CHILD(REN   [Married Benefit Eligible EE & SP employed by NSU]
PPO 70 Blue Choice                         $720.00                    $90.00                $853.00             $479.00
PPO 70 Blue Options                        $780.00                    $150.00               $827.00             $413.50
PPO Risk/Reward Blue Choice                $720.00                    $200.00               $609.00             $304.50
PPO Risk/Reward Blue Options               $780.00                    $300.00               $470.00             $235.00
                               Making a Choice
                               Estimating Your Financial Risk
                                               OUT OF POCKET                                ESTIMATED
                                   ANNUAL                    PREMIUM +      NSU HRA
Coverage/Tier                      PREMIUM
                                               MAXIMUM (OOP)
                                                               OOP        CONTRIBUTION
                                                                                           IN-NETWORK
                                                  MEDICAL                                FINANCIAL RISK

EMPLOYEE ONLY
PPO 70 Blue Choice                 $2,880.00     $3,000.00   $5,880.00      $180.00        $5,700.00
PPO 70 Blue Options                $2,208.00     $3,000.00   $5,208.00      $300.00        $4,908.00
PPO Risk/Reward Blue Choice        $1,380.00     $3,500.00   $4,880.00      $360.00        $4,520.00
PPO Risk Reward Blue Options        $684.00      $3,500.00   $4,184.00      $420.00        $3,764.00

EMPLOYEE & SPOUSE
PPO 70 Blue Choice                $10,068.00     $6,000.00   $16,068.00     $540.00        $15,528.00
PPO 70 Blue Options               $9,084.00      $6,000.00   $15,084.00    $1,200.00       $13,884.00
PPO Risk/Reward Blue Choice       $7,080.00      $7,000.00   $14,080.00    $1,500.00       $12,580.00
PPO Risk Reward Blue Options      $6,036.00      $7,000.00   $13,036.00    $2,400.00       $10,636.00

EMPLOYEE & CHILD(REN)
PPO 70 Blue Choice                 $8,640.00     $6,000.00   $14,640.00     $780.00       $ 13,860.00
PPO 70 Blue Options                $7,716.00     $6,000.00   $13,716.00    $1,440.00      $12,276.00
PPO Risk/Reward Blue Choice        $5,940.00     $7,000.00   $12,940.00    $1,800.00      $11,140.00
PPO Risk Reward Blue Options       $4,968.00     $7,000.00   $11,968.00    $2,700.00       $9,268.00

EMPLOYEE & FAMILY
PPO 70 Blue Choice                $15,816.00     $6,000.00   $21,816.00    $1,080.00       $20,736.00
PPO 70 Blue Options               $14,604.00     $6,000.00   $20,604.00    $1,800.00       $18,804.00
PPO Risk/Reward Blue Choice       $11,628.00     $7,000.00   $18,628.00    $2,400.00       $16,228.00
PPO Risk Reward Blue Options      $10,320.00     $7,000.00   $17,320.00    $3,600.00       $13,720.00
                   Your Pharmacy Co-pays
     •   Maximum out-of-pocket $2,000 (individual) or $4,000 (family)
     •   WHI offers three tiers of drugs that determine your
         copayment
     •   Have your doctor consult your formulary guide for the
         lowest cost generic or brand medications available for your
         therapy.
                                                       Copay
                      Tier
                                        30 day Retail/ Mail Order/ 90 day Retail

                                                       $5/10/10
         1st   Tier: Generics
                                       NSU PHARMACY $0 CO-PAYMENT!

         2nd Tier: Preferred                          $27/50/60


         3rd Tier: Non-preferred                    $60/120/145



Visit www.walgreenshealth.com or call the Walgreens Health Initiatives Customer
                   Care Center toll free at 1-800-207-2568.
             HRA and HCFSA Differences
  Health Reimbursement Account              Health Care Flexible Spending Account
• Funded by NSU                            • Funded by employee pre-tax dollars
• Available for PPO 70 and Risk/Reward     • Available for Employee Medical and
  Plan                                       Dependent Care expenses
• Funds rollover at the end of each plan   • No carry-over of funds from year to year
  year indefinitely                          (by law)
• Portable after 36 months of continuous   • Use-it-or-lose-it by June 15th - All
  participation                              claims filed by June 30th.
• Can have HRA alone with no HCFSA         • HCFSA funds expended before tapping
  /DCFSA                                     into HRA funds
• No over-the counter medications w/o      • Can have HCFSA with HRA
  RX                                       • No over-the counter medications w/o RX

                                           • New elections are required every plan
                                             year
              What is the DCFSA?

• Funded by employee with pre-tax contributions and used
  to pay for qualified dependent care expenses
• Maximum annual limit of $5,000
• Dependents: dependent under age 13, physically or
  mentally challenged adult child who are unable to care for
  themselves; can not earn more than $3,200 a year
• Funds available by using the ICUBA CaresTM MasterCard
• File your claims online at http://icubabenefits.org
• Use-it-or-lose-it by June 15th - All claims filed by June 30th
                           Humana Dental Plan
                                        Traditional Preferred                  Traditional Preferred
      DHMO CS 250
                                          PPO Low Option                         PPO High Option
                                                   100/80/50/50                           100/80/50/50
Exams. X-rays and cleaning at 100%
                                         In-Network; Same benefit Out of        In-Network; Same benefit Out of
   after co-pay; Additional co-pays
                                        Network but you may be balanced        Network but you may be balanced
apply to other services; In-Network
                                        billed on amounts over Usual and       billed on amounts over Usual and
    co-pays based on Schedule of
                                            Customary; Endodontic and              Customary; Endodontic and
Benefits; Discounts on services not
                                       Periodontal Services covered under     Periodontal Services covered under
 listed on the Schedule of Benefits.
                                                  Basic Services                         Basic Services
       No Benefit Maximums                 $1000 Plan Year Maximum                $2000 Plan Year Maximum

 Adult and Child Orthodontics at a      $1000 Lifetime Maximum for Adult       $2000 Lifetime Maximum for Adult
           fixed co-pay                     and Child Orthodontics                 and Child Orthodontics

                                           Plan Year Deductible $50 per           Plan Year Deductible $50 per
  No Deductibles for any service       Individual up to $150 per Family for   Individual up to $150 per Family for
                                             Type II. III and IV services           Type II. III and IV services
        No waiting periods                     No waiting periods                     No waiting periods
       No claim forms to file             Claim forms may be required            Claim forms may be required
  Dentist must be In-Network and
  must be assigned; You may Self       You can use any dentist you choose     You can use any dentist you choose
        refer to Specialists

 Assigned dentist can be changed       Out of Network Dentist reimbursed      Out of Network Dentist reimbursed
  monthly by contacting Humana          at 90% of Usual and Customary          at 90% of Usual and Customary
         Humana Dental Rates



           Bi-weekly Dental Premium
                  DMO      PPO Low PPO High

Employee          $5.23     $17.00    $19.14

Employee + 1      $10.48    $33.87    $38.13

Family            $16.28    $56.96    $64.14
                   Advantica Eye Care Plan
 Advantica Select 100                        In-Network                          Out-of-Network
                                                                            Up to $40 Reimbursement (less
Vision Exam                                      $5 Co-Pay
                                                                                  applicable Co-Pay)
                                      $15 Co-Pay; Up to $100 allowance
Standard Frames                        less applicable Co-Pay if outside          Reimbursed up to $40
                                                   Standard
                                                                           Up to $20 for Single Vision, $40 for
Single Vision, Bifocal and Trifocal
                                          Covered After $15 Co-Pay              Bifocal or$60 for Trifocal
Lens
                                                                             Reimbursement after Co-Pay

Trifocal Lens                             Covered After $15 Co-Pay

Standard Progressive                             $50 Co-Pay                            No Benefit
                                      Included with Lens Co-Pay up to
Polycarbonate                                                                          No Benefit
                                         age 19; over 19, $30 Co-Pay
UV Coating                                       $12 Co-Pay                            No Benefit
                                       $250 allowance; $30 fitting fee
Medically Necessary Contact Lens                                                       No Benefit
                                                 allowance
                                       $100 allowance; $30 fitting fee
Contact Lens (Cosmetic)                                                          Up to $60 Reimbursement
                                                 allowance
Frequency Limitations Exams                                          12 Months
Frequency Limitations Frames                                         24 Months
Lenses or Contact Lens                                               12 Months
Advantica Eye Care Rates




        Bi-weekly
  Vision Care Premium
 Employee      $2.17
 Family        $5.54
    Sun Life Optional Life Insurance
•    Enroll now for Optional Life Insurance or increase your
     coverage level
•    Elect coverage amount between $10,000 and $200,000 in
     $10,000 increments; not to exceed 5 times your basic annual
     earnings or $200,000, whichever is less
•    Your application will be subject to Evidence of Insurability.
     You can access this form through www.sunlife-usa.net/eoi/ ,
     Sun Life will notify you when your application is approved,
     denied or pended for additional information
•    Your first monthly premium deduction will occur in the first
     pay of the month following the approval of your coverage
•    If you do not send evidence of insurability to Sun Life by
     04/30/2011 your enrollment request will expire
•    The value of the policy reduces to 65% at age 65, and 50% at
     age 70
Sun Life Optional Life Insurance
   Monthly Premium Cost per $10,000 of Coverage
          (Calculated Rate Sheet on the Website)
       Age Bracket                         Rate
          00-24                             .47
          25-29                             .57
          30-34                             .76
          35-39                             .85
          40-44                             .95
          45-49                             1.42
          50-54                             2.18
          55-59                             4.08
          60-64                             6.26
          65-69                            12.50
          70-74                            25.00
           75+                             25.00
Enroll online at http://icubabenefits.org
From February 11th through the February 27th




        THANK YOU!

				
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