Important Information
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Resources
Resources
- Open Enrollment Events
- Open Enrollment FAQs
- NAU BCBSAZ Change Sheet
- Paying for Coverage
- Voluntary Benefit Premiums
- Compare Cost NAU PPO vs HDHP\HSA
- Summary of Benefits & Coverage
- Benefit Plan Documents & Policies
- Benefits Vendor Contact Information
2025 Plan Comparisons
What’s changing
Open Enrollment ended November 15th.
Open Enrollment is your yearly opportunity to review your benefits and make sure your selections still meet the needs of you and your family. Below is a summary of the changes to your benefits which will be effective January 1, 2025.
Watch the What’s Changing video to learn more!
Medical
Several medical plans have changes and the employee premiums for the NAU BCBSAZ PPO will be increasing. Compare Medical plans.
NAU BCBSAZ PPO
The deductible, copays and employee coinsurance are increasing. There is no change in the in-network out-of-pocket maximum, it remains $1,000 single/$2,000 family. There will be an increase between $4.43 and $17.88 per pay period depending on the coverage level elected.
Plan Changes & Employee Premiums Accordion Closed
Current
Deductible
In-Network
- $350 Single
- $700 Family
Out-of-Network
- $650 Single
- $1,300 Family
Coinsurance
After deductible, member pays 20% until the out-of-pocket maximum met.
Office Visit Copays
No Deductible
- Preventive & Mental Health – $0
- Campus Health – $0
After Deductible
- Primary Care – $30
- Specialist – $50
Outpatient Facility
- $100 per after deductible met
Prescription Copays
Retail – 30 days
- Tier 1 – $15
- Tier 2 – $30
- Tier 3 – $50
- Tier 4 – $90
Mail Order – 90 days
- Tier 1 – $15
- Tier 2 – $30
- Tier 3 – $150
- Tier 4 – $270
Per Pay Employee Premiums
- $55.34 – Employee Only
- $150.63 – Employee + Adult
- $107.59 – Employee + Child
- $223.54 – Family
January 1, 2025
Deductible
In-Network
- $450 Single
- $900 Family
Out-of-Network
- $750 Single
- $1,500 Family
Coinsurance
After deductible, member pays 25% until the out-of-pocket maximum met.
Office Visit Copays
No Deductible
- Preventive & Mental Health – $0
- Campus Health – $0
After Deductible
- Primary Care – $35
- Specialist – $55
Outpatient Facility
- $150 per after deductible met
Prescriptions
Retail – 30 days
- Tier 1 – $20
- Tier 2 – $35
- Tier 3 – $55
- Tier 4 – $95
Mail Order – 90 days
- Tier 1 – $20
- Tier 2 – $35
- Tier 3 – $165
- Tier 4 – $285
Per Pay Employee Premiums
- $59.77 – Employee Only
- $162.68 – Employee + Adult
- $116.20 – Employee + Child
- $241.43 – Family
Additional Benefits
To meet the needs of NAU employees and keep the PPO plan competitive the following benefits will be added.
- Infertility diagnosis and treatment services will be covered up to a $2,500 per member, per benefit plan maximum.
- Gender Affirming Facial Benefits will be covered up to $25,000 per member, per benefit plan maximum.
NAU BCBSAZ High Deductible Health Plan
The plan deductible will be increasing to the new IRS minimums, but there are no other plan changes. Employee contributions & NAU contributions to the Health Care Savings Account will remain the same.
Plan Changes Accordion Closed
Current
Deductible
In-Network
- $1,600 single
- $3,200 family
Out-of-Network
- $3,200 single
- $6,400 family
January 1, 2025
Deductible
In-Network
- $1,650 single
- $3,300 family
Out-of-Network
- $3,300 single
- $6,600 family
Additional Benefits: To meet the needs of NAU employees and keep the HDHP competitive the following benefits will be added.
- Infertility diagnosis and treatment services will be covered up to a $2,500 per member, per benefit plan maximum.
- Gender Affirming Facial Benefits will be covered up to $25,000 per member, per benefit plan maximum.
The State of AZ High Deductible Health Plan
The plan deductible will be increasing to the new IRS minimums, but there are no other plan changes. Employee premiums and NAU’s HSA contributions will remain the same.
Plan Changes Accordion Closed
Current
Deductible
In-Network
- $1,600 single
- $3,200 family
Out-of-Network
- $3,200 single
- $6,400 family
January 1, 2025
Deductible
In-Network
- $1,650 single
- $3,300 family
Out-of-Network
- $3,300 single
- $6,600 family
Dental
There are no plan changes and the employee premiums for both medical plans will remain the same. Compare Dental plans
Vision
There are plan design changes to the Avesis Vision Plan. The employee premiums will increase slightly. Review the Avesis Vision plan benefits
Vision Premiums Accordion Closed
Current
- $1.72 – Employee Only
- $5.70 – Employee + Adult
- $5.65 – Employee + Child
- $7.11 – Family
January 1, 2025
- $1.75 – Employee Only
- $5.83 – Employee + Adult
- $5.75 – Employee + Child
- $7.25 – Family
Tax Savings Accounts
Health Care Savings Accounts (HSA)
Although you can change the amount you contribute to the Health Care Savings Account at any time during the year, Open Enrollment is a good time to review the amount you are contributing and adjust it for next year if needed. The 2025 contributions maximums are as follows:
- Individual contributions will increase from $4,150 to $4,300.
- Family contributions will increase from $8,300 to $8,550.
- The annual catch-up amount for employees 55 or older will remain $1,000.
Health Care Flexible Spending Account (FSA)
For 2025, the maximum annual contribution for the Health Care FSA will increase to $3,200 and the maximum rollover amount will increase to $640. Remember, if you want to contribute to an FSA for 2025 you need to re-enroll by November 15, 2024.