2022/2021 Benefits Offered
View a Quick 2022/2021 Benefit Overview
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
- Review the in-network benefit
- NAU PPO and HDHP tiered RX benefit
- Update on COVID Related Benefits
| Coverage Level | You Pay | NAU Pays | Total |
|---|---|---|---|
| Employee Only | $44.32 | $301.10 | $345.42 |
| Employee + Adult | $120.62 | $604.08 | $724.70 |
| Employee + Child | $86.16 | $431.66 | $517.82 |
| Family | $179.01 | $756.56 | $931.57 |
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
- Review the in-network benefit
- NAU PPO and HDHP tiered RX benefit
- Update on COVID Related Benefits
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. You can contribute up to the IRS annual limit (this limit includes employer and employee contributions)
- 2021
- $3,600 for employee only coverage
- $7,200 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2022
- $3,600 for employee only coverage
- $7,200 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2021
- Visit the Health Equity website to learn COVID related benefits
- HealthEquity HSA fee schedule
- Already have an HSA? Transfer your HSA funds to your HealthEquity account. HSA Transfer forms can be found on the Forms Index.
Click here to learn more about Health Savings Accounts (HSA)
| Coverage Level | You Pay | NAU Pays | Total | NAU HSA Contribution |
|---|---|---|---|---|
| Employee Only | $5.54 | $293.17 | $298.71 | $23.08 |
| Employee + Adult | $21.23 | $605.39 | $626.62 | $46.15 |
| Employee + Child | $16.66 | $431.10 | $447.76 | $46.15 |
| Family | $47.12 | $758.34 | $805.46 | $46.15 |
HealthyU Wellness Accordion Closed
- NAU BCBSHAZ (PPO or HDHP) plan members can participate in the HealthyU Wellness program administered by campus Employee Assistance and Wellness (EAW).
- For more information on the HealthyU Wellness Incentive Program click on image below.
- Please note: You must be enrolled in a NAU BCBSHAZ (PPO or HDHP) plan at the time the incentive is paid (typically in late January) to be eligible for the wellness incentive payment.
State of AZ Medical Plans Accordion Closed
Triple Choice Plan – TCP Accordion Open
State of Arizona offers a TCP plan through BCBSAZ, or United Health Care. The TCP is based on three tiers. For a single premium, you have access to all three tiers as shown below. You’ll save the most when you choose providers from Tier 1, a network of doctors and facilities that meet strict criteria for both quality and cost of care. TCP Intro Video
- Network websites: Blue Cross Blue Shield of Arizona, or United Healthcare
- Review the in-network benefit
- Learn about prescription coverage through the State of AZ Rx provider
- Update on COVID Related Benefits
Coverage
LevelYou
PayNAU
PaysTotal Employee Only $26.17 $279.46 $305.63 Employee + Adult $71.49 $576.74 $648.23 Employee + Child $57.30 $376.83 $434.13 Family $121.61 $638.55 $760.16
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 BCBSAZ or United Health Care.
- Network websites: BCBSAZ, UHC
- Review the in-network benefit
- Learn about prescription coverage through the State of AZ Rx provider
- Update on COVID Related Benefits
High Deductible Plan
This plan has a high deductible which you will need to meet before most benefits are paid. The plan uses the BCBSAZ or UHC 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 Optum 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. You can contribute up to the IRS annual limit (this limit includes employer and employee contributions)
- 2021
- $3,600 for employee only coverage
- $7,200 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2022
- $3,600 for employee only coverage
- $7,200 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2021
- Optum Bank HSA fee schedule
- Already have an HSA? Transfer your HSA funds to your Optum account. HSA Transfer forms can be found on the Forms Index.
Click here to learn more about Health Savings Accounts (HSA)
| 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 |
Health Impact Program (HIP) Accordion Closed
- We’re partnering with Virgin Pulse to offer a state-of-the-art platform for your wellness journey. There are so many ways to take part, including making challenges for yourself and your friends! Plus, you can sync your wearable fitness device and track your activities effortlessly to earn the $200 annual incentive.
- Under the new platform, you will receive credit for wellness screenings in January, February, and March of 2021.
- Find ADOA health screenings offered here – https://wellness.az.gov/screenings
- Enroll – join.virginpulse.com/hip
- Please note, you must be an active, benefits-eligible employee throughout the program period and the payout period to receive the incentive payment.
Please click on the image below for more information about the the State of AZ HIP wellness program.
State Plans Wellness Program
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 Care Access Accordion Closed
Dental Health Maintenance Organization (DHMO)
Review the in-network benefits
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 accepting new patients , 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
Avesis Advantage Plan
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 | $1.72 |
| Employee + Adult | $5.70 |
| Employee + Child | $5.65 |
| Family | $7.11 |
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 2021 you can contribute up to $2,750 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 $550 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.
Temporary expansion of Health Care FSA rollover
All remaining 2020 Health Care FSA funds were rolled over for use in 2021. All remaining 2021 Health Care FSA balances will roll over for use into 2022. The roll over will return to $550 for plan year 2022 (to be rolled to 2023).
How the rollover works
- John elects to contribute $2,000 to the Health Care Flexible Spending Account for the 2021 calendar year.
- Between January 1, 2021 and December 31, 2021 John incurs $1,400 of eligible claims.
- John’s balance as of December 31, 2021 is $600.
- $550 would be ‘rolled over’ to the next plan year and $50 would be forfeited.
Eligible 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
- Most over-the-counter drugs/medications
- PPE such as masks, hand sanitizer, and sanitizing wipes
Examples of ineligible expenses:
- Premiums for medical and dental insurance
- Long term care expenses
*For a complete list of eligible and 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 2021 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 $550 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.
Temporary expansion of Health Care FSA rollover
All remaining 2020 Health Care FSA funds were rolled over for use in 2021. All remaining 2021 Health Care FSA balances will roll over for use into 2022. The roll over will return to $550 for plan year 2022 (to be rolled to 2023)
How the rollover works
- John elects to contribute $2,000 to the Health Care Flexible Spending Account for the 2021 calendar year.
- Between January 1, 2021 and December 31, 2021 John incurs $1,400 of eligible claims.
- John’s balance as of December 31, 2021 is $600.
- $550 would be ‘rolled over’ to the next plan year and $50 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
- Most over-the-counter drugs/medications
- PPE such as masks, hand sanitizer, and sanitizing wipes
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.
Dependent\Day Care FSA Grace Period
A grace period (2 ½ month) was added to the Dependent\Day Care (FSA) and then later expanded because of COVID related legislation.
- Your 2020 funds can be applied to expenses incurred through Dec. 31, 2021.
- Your 2021 funds can be applied to expenses incurred through Dec. 31, 2022.
- Your 2022 funds can be applied to expenses incurred through March 15, 2023. In addition, claims must be submitted by 4/30/2023. (2022 contributions can be used for expenses through 3/15/2023 and the claim must be submitted by 4/30/2023)