2020 Benefits Offered
NAU Medical Plans Accordion Closed
NAU Medical Plans
NAU PPO – BCBS Accordion Open
Preferred Provider Organization (PPO)
NAU offers a PPO Plan through BCBSAZ. In a PPO, you receive the greatest benefit when you use providers included in the plan’s ‘Preferred’ network. You may use providers not in the plan’s ‘Preferred’ network, but your out of pocket expenses will be greater. For out of network services, members are responsible for any balance billing amounts.
Network website: www.azblue.com
Learn how to use your NAU BCBSAZ PPO benefits
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $44.32 | $310.23 | $354.55 |
| Employee + Adult | $120.62 | $623.93 | $744.55 |
| Employee + Child | $86.16 | $445.66 | $531.82 |
| Family | $179.01 | $778.26 | $957.27 |
NAU BCBSAZ HDHP/HSA – BCBS Accordion Closed
High Deductible Medical Plan: You must meet a higher deductible before most benefits are paid, but the premium costs is much lower. This plan uses the same BCBSAZ network of healthcare providers as the NAU BCBSAZ PPO plan.
Network website: www.azblue.com
Health Savings Account (HSA) through HealthEquity
Under this plan, pre-tax contributions are made by both you and NAU into an HSA account. Funds are to be used for out-of-pocket expenses health care expenses. Visit the HealthEquity website to access your account and for educational resources.
- NAU employer HSA contribution
- $23.08 for employee only coverage
- $46.15 for all other coverage levels
- Employee HSA – contributions are voluntary
- IRS annual limit for 2020 (this limit includes employer and employee contributions)
- $3,550 for employee only coverage
- $7,100 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
Click here to learn more about Health Savings Accounts (HSA)
| Coverage Level | You Pay | NAU Pays | Total | NAU HSA Contribution |
|---|---|---|---|---|
| Employee Only | $5.54 | $292.55 | $298.09 | $23.08 |
| Employee + Adult | $21.23 | $604.76 | $625.99 | $46.15 |
| Employee + Child | $16.66 | $430.48 | $447.14 | $46.15 |
| Family | $47.12 | $757.72 | $804.84 | $46.15 |
State of AZ Medical Plans Accordion Closed
State PPO Accordion Open
Preferred Provider Organization (PPO)
State of Arizona offers a PPO plan through Aetna, BCBSAZ, or United Health Care. In a PPO, you receive the greatest benefit when you use providers included in the plan’s ‘Preferred’ network. You may use providers not in the plan’s ‘Preferred’ network, but your out of pocket expenses will be greater. For out of network services, members are responsible for any balance billing amounts.
Network websites: Aetna, Blue Cross Blue Shield of Arizona, or United Healthcare
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $53.34 | $273.30 | $326.64 |
| Employee + Adult | $112.42 | $577.89 | $690.32 |
| Employee + Child | $75.30 | $386.73 | $462.03 |
| Family | $131.25 | $674.20 | $805.45 |
State EPO Accordion Closed
Exclusive Provider Organization (EPO)
State of Arizona offers the EPO through the following networks: Aetna, BCBSAZ, CIGNA and United Health Care. To receive any benefit under an EPO you need to use the providers included in the plan’s ‘Exclusive’ provider network. Services received from providers not in the plan’s ‘Exclusive’ network are not covered.
Network websites: Aetna, Blue Cross Blue Shield of Arizona, CIGNA or United Healthcare
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $20.92 | $268.90 | $289.82 |
| Employee + Adult | $62.23 | $552.47 | $614.70 |
| Employee + Child | $52.82 | $358.86 | $411.68 |
| Family | $115.57 | $605.27 | $720.84 |
State HDHP/HSA Accordion Closed
High Deductible Health Plan & Health Savings Account (HSA)
This option is a combination of two types of plans with the network through Aetna.
Network websites: Aetna
High Deductible Plan
This plan has a high deductible which you will need to meet before most benefits are paid. The plan uses the Aetna Choice POS II network. For out of network services, members are responsible for any balance billing amounts. Members must first meet all deductibles. The family deductible is tracked as a whole—not individually
Health Savings Account through PayFlex
Under this plan, pre-tax contributions are made by both you and NAU into an HSA account. Funds are to be used for out-of-pocket expenses health care expenses. Visit the PayFlex website to access your account and for educational resources.
- NAU employer HSA contribution
- $27.70 for employee only coverage
- $55.39 for all other coverage levels
- Employee HSA – contributions are voluntary
- IRS annual limit for 2020 (this limit includes employer and employee contributions)
- $3,550 for employee only coverage
- $7,100 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $10.15 | $181.87 | $192.02 |
| Employee + Adult | $30.46 | $376.95 | $407.41 |
| Employee + Child | $25.89 | $246.41 | $272.30 |
| Family | $56.35 | $419.97 | $476.32 |
Dental Insurance Accordion Closed
You may choose between the following two plan types:
Delta Dental Premier Accordion Open
Dental Preferred Provider Organization (PPO)
Network website: https://www.deltadentalaz.com/adoa/
The State of Arizona offers a dental PPO through Delta Dental Premier. In a dental PPO, you receive the highest benefit when you use providers included in the Plan’s ‘Preferred’ network. You may use providers not in the Plan’s ‘Preferred’ network, but your out of pocket expenses will be greater.
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $14.30 | $2.29 | $16.59 |
| Employee + Adult | $30.33 | $4.58 | $34.91 |
| Employee + Child | $23.34 | $4.58 | $27.92 |
| Family | $48.26 | $6.32 | $54.58 |
CIGNA Dental DHMO Accordion Closed
Dental Health Maintenance Organization (DHMO)
Network website: www.cigna.com/sites/stateofaz/
The State of Arizona offers a DHMO through CIGNA Dental. To receive any benefit under a dental DHMO, you need to use providers included in the Plan’s ‘Exclusive’ network of providers. Non-emergency services received from providers not the Plan’s ‘Exclusive’ network are not covered.
A limited number of dentists in the CIGNA network , in particular in Northern Arizona. States where CIGNA Dental is not offered: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Puerto Rico, Rhode Island, South Dakota, Vermont, West Virginia and Wyoming. You should not elect CIGNA Dental unless you are willing to use one of the network dentists.
You can find out which dentists are in the network by calling CIGNA customer service at 800.968.7366 or you can go to https://www.cigna.com/sites/stateofaz/.
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $1.64 | $2.29 | $3.93 |
| Employee + Adult | $3.29 | $4.58 | $7.86 |
| Employee + Child | $3.08 | $4.58 | $7.66 |
| Family | $5.46 | $6.32 | $11.78 |
Vision Insurance Accordion Closed
You are offered two vision care programs through Avesis
An important step in choosing a vision option is to go to the Avesis website and review the providers included in the network to make sure that they meet your needs.
Advantage Plan Accordion Open
In a vision PPO, you receive the greatest benefit when you use providers included in the Plan’s ‘Preferred’ network. You may use providers not in the Plan’s ‘Preferred’ network, but you will need to pay for the services up front and then submit a claim to Avesis to receive the out-of-network benefit.
Network website: www.avesis.com
| Coverage Level | You Pay |
|---|---|
| Employee Only | $1.84 |
| Employee + Adult | $5.97 |
| Employee + Child | $5.89 |
| Family | $7.43 |
Discount Program Accordion Closed
This program will provide each member with substantial discounts on vision exams and corrective materials received from provider that are in the network. There are no out-of-network benefits. Providers not participating in the program will not honor any of the discounted fees. The member will be responsible for full retail payment.
If you do not enroll in the Avesis Advantage option you will be automatically enrolled in the Avesis Discount Program at no cost to you.
Flexible Spending Accordion Closed
Health Accordion Open
Health Care FSA
This account reimburses you for eligible out-of-pocket medical and related health care expenses such as copays, coinsurance or prescriptions for you or any of your eligible tax dependents during the plan year.
Maximum contribution
- For 2020 you can contribute up to $2,700 annually to the Health Care FSA. You may use your full annual election prior to having the full amount of payroll contributions deposited to your account.
- Find out how your contributions will be affected if you are placed on an approved leave of absence.
Rollover
- At the end of the plan year the health care FSA offers you the ability to rollover $500 to use in the next plan year.
- Funds will only rollover for individuals who are actively working on the last day of the plan year.
How the rollover works
- John elects to contribute $2,000 to the Health Care Flexible Spending Account for the 2019 calendar year.
- Between January 1, 2019 and December 31, 2019 John incurs $1,400 of eligible claims.
- John’s balance as of December 31, 2019 is $600.
- $500 would be ‘rolled over’ to the next plan year and $100 would be forfeited.
Eligible\Ineligible expenses
Before you incur an expense under your medical FSA It is a good idea to determine if it is eligible for reimbursement on the ASI website, asiflex.com.
Example eligible expenses:
- Copays
- Eye glasses, contacts, contact solution and LASIK surgery
- Orthodontia
Example ineligible expenses:
- Premiums for medical and dental insurance
- Over the counter medications without a prescription
- Long term care expenses
*For a complete list of eligible\ineligible expenses go to asiflex.com.
Limited Purpose Accordion Closed
*Limited Purpose FSA
*Only applies to employees enrolled in a High Deductible Health Plan/HSA
This account reimburses you for eligible out-of-pocket vision and dental expenses only such as coinsurance, glasses, contacts, and Orthodontia.
Maximum contribution
- For 2020 you can contribute up to $2,700 annually to the limited purpose FSA. You may use your full annual election prior to having the full amount of payroll contributions deposited to your account.
- Find out how your contributions will be affected if you are placed on an approved leave of absence.
Rollover
- At the end of the plan year the limited purpose FSA offers you the ability to rollover $500 to use in the next plan year.
- Funds will only rollover for individuals who are actively working on the last day of the plan year.
How the rollover works
- John elects to contribute $2,000 to the Limited Purpose Flexible Spending Account for the 2019 calendar year.
- Between January 1, 2019 and December 31, 2019 John incurs $1,400 of eligible vision and dental claims.
- John’s balance as of December 31, 2019 is $600.
- $500 would be ‘rolled over’ to the next plan year and $100 would be forfeited.
Eligible\Ineligible expenses
Before you incur an expense under your limited purpose FSA it is a good idea to determine if it is eligible for reimbursement on the ASI website, asiflex.com.
Example eligible expenses:
- Copays
- Eye glasses, contacts, contact solution and LASIK surgery
- Orthodontia
Example ineligible expenses:
- Premiums for vision and dental insurance
*For a complete list of eligible\ineligible expenses go to asiflex.com.
FSA Dependent Care Accordion Closed
This account reimburses you for any child and dependent day care expenses that would otherwise be eligible for a tax credit by the IRS. For example: Day Care or a private sitter. Eligible expenses can only be reimbursed up to the current balance of contribution in your account.
Before you incur an expense, it is a good idea to determine if it is eligible for reimbursement on the ASI website, asiflex.com.
Note: Claims for dependent medical and/or other expenses should be submitted the the Medical FSA not the Dependent Care FSA.
Annual maximum contribution
- $5,000 per employee
- $5,000 per family
Important: The Dependent day care FSA do not have the $500 rollover provision.
Changing your dependent care elections
Dependent day care FSA vs. Tax Credit
A Dependent day care FSA may not provide the greatest tax advantage for all employees – greater tax savings may be gained by claiming the available tax credit. Consult with your tax advisor to determine which option is best for you.
Eligible expenses:
- Services provided by a licensed day care facility for six or more children
- Babysitting services while you are at work
Ineligible expenses:
- Private school tuition including kindergarten
- Babysitting while you are not at work
*For a complete list of eligible\ineligible expenses go to asiflex.com.
Life Insurance Accordion Closed
NAU offers you three life insurance options through Aetna and the State of AZ plan with Securian:
-
Basic Life Insurance and AD&D Tab Open
-
Supplemental Life Insurance Tab Closed
-
Dependent Life Insurance Tab Closed
Basic Life Insurance and AD&D Accordion Open
You are automatically covered for $15,000 of basic life insurance provided by Securian at no cost to you.
- Non-smokers will receive an additional $1,000 benefit.
- $15,000 of Accidental Death and Dismemberment (AD&D) insurance
- $15,000 Seat Belt Benefit may also be payable if you die in an automobile accident.
- The benefit will be paid to your designated beneficiary (ies).
Supplemental Life Insurance Accordion Closed
NAU – Aetna
Coverage amount: You may purchase coverage of one, two, or three times your salary (rounded to the nearest $1,000) up to the maximum of $300,000.
Newly eligible: You may purchase 3x your salary up to of up to the lesser of a maximum of $300,000.
Open enrollment: If enrolled, you may elect an additional one times your annual salary.
Example:
- Joe makes $30,000 annually, 3x his salary is $90,000, this is the max amount Joe can elect.
- Mary makes $125,000 annually , 3x her salary is $375,000, the max she can elect is $300,000.
State of AZ – Securian
Coverage amount: You may purchase coverage of one, two, or three times your salary (rounded to the nearest $1,000) up to the maximum of $500,000.
Newly eligible: You may purchase 3x your salary up to of up to the lesser of of a maximum of $500,000.
Open enrollment: You may elect/enroll in increments of $5,000 up to $20,000 annually, up to the max of 3x your salary or $500,000.
Example:
- Joe makes $30,000 annually, 3x his salary is $90,000, this is the max amount Joe can elect.
- Mary makes $170,000 annually , 3x her salary is $510,000, the max she can elect is $500,000.
Dependent Life Insurance Accordion Closed
NAU – Aetna
Coverage amount: You may purchase dependent life insurance in the amounts of $5,000 or $10,000.
Open enrollment: You may increase, decrease or stop coverage.
Required election: You cannot have more coverage on your dependents than yourself. You mush purchase at least an equal value in Aetna supplemental life.
State of AZ – Securian
Coverage amount: You may purchase dependent life insurance in the amounts of: $2,000, $4,000, $6,000, $10,000, up to a max of $50,000
Open enrollment: You may increase, decrease or stop coverage.
*Required election: You cannot have more coverage on your dependents than yourself. You mush purchase at least an equal value in Securian supplemental life.
*This includes the NAU Basic Life Insurance of $15,000 NAU provided employees.
Click here for more information on each life insurance benefits
Short Term Disability Insurance Accordion Closed
You may purchase Short Term Disability (STD) through either MetLife or Unum Provident for income replacement coverage for a non-work related accident or illness. There is a maximum benefit period of 26 weeks. Contributions are after tax so benefits are tax-free.
When evaluating the cost of Short Term Disability coverage you need to look at the amount of income replacement provided for the employee premium paid.
Note: The benefit amount, waiting period and premium of these two plans are very different.
- The employee premium for MetLife is lower but so is the amount of income replacement MetLife provides.
- The employee premium for Unum is higher but so is the amount of income replacement Unum provides.
Long Term Disability Insurance Accordion Closed
Long term disability insurance protects you from loss of income in the event you become disabled for more than six
months as a result of illness or non-work related injury. You are required to participate in a long-term disability plan
and you will be automatically enrolled into the long-term disability plan that corresponds to your mandatory
retirement plan.
- Arizona State Retirement System (ASRS) – If you are participating in ASRS, you receive your long-term
disability benefits from Broadspire. - Optional Retirement Plan: If you are participating in the Optional Retirement Plan (ORP), the Public
Safety Personnel Retirement System (PSPRS), or if you are a Post-Doctoral Scholar you are covered by
MetLife.
Additional Benefits Offered Accordion Closed
The university’s benefit program includes the following additional benefits:
Review the 2020 Summary of Your NAU Benefits
