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I want to……

  • Learn how to enroll in benefits
  • Review benefit eligibility
  • Change your benefit plan (QLE)
  • Review plan documents
  • Contact a benefit vendor
  • Benefit Plans – COVID Updates
  • Learn about benefits for all employees
  • Learn about pay/benefits when employment ends
    • Review FAQs about ending employment

Review the 2021 Benefit Guide


Learn about Telehealth

2021 Benefits Offered

View a Quick 2021 Benefit Overview 

NAU Medical Plans Accordion Closed

NAU Medical Plans

  • NAU PPO – BCBS Tab Open

  • NAU BCBSAZ HDHP/HSA – BCBS Tab Closed

  • HealthyU Wellness Tab Closed

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

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

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 2021 (this limit includes employer and employee contributions)
    • $3,600 for employee only coverage
    • $7,200 for all other coverage levels
  • Age 55+ can contribute a $1,000 catch up contribution
  • HealthEquity HSA fee schedule

Click here to learn more about Health Savings Accounts (HSA)

Coverage
Level
You
Pay
NAU
Pays
TotalNAU 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.

NAU PPO/HDHP Wellness Incentive Program Healthy U Logo

State of AZ Medical Plans Accordion Closed

  • Triple Choice Plan – TCP Tab Open

  • State HDHP/HSA Tab Closed

  • Health Impact Program (HIP) Tab 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
  • Coverage
    Level
    You
    Pay
    NAU
    Pays
    Total
    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

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
    • IRS annual limit for 2021 (this limit includes employer and employee contributions)
    • $3,600 for employee only coverage
    • $7,200 for all other coverage levels
  • Age 55+ can contribute a $1,000 catch up contribution
  • Optum Bank HSA fee schedule

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

  • HIP is administered by the Arizona Department of Administration. All State medical plan holders can participate in HIP.
  • Please note, you must be an active, benefits-eligible employee throughout the program period and the payout period to receive the incentive payment.
  • When you successfully complete the requirements, the taxable payout will be paid out in March.

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 Tab Open

  • CIGNA Dental Care Access Tab Closed

Delta Dental Premier Accordion Open

Dental Preferred Provider Organization (PPO)

Network website: https://www.deltadentalaz.com/adoa/

Review the in-network benefit

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)

Network website: www.cigna.com/sites/stateofaz/

Review the in-network benefit

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

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

Review vision benefits

Coverage LevelYou Pay
Employee Only$1.72
Employee + Adult$5.70
Employee + Child$5.65
Family$7.11

Flexible Spending Accordion Closed

  • Health Tab Open

  • Limited Purpose Tab Closed

  • FSA Dependent Care Tab Closed

Health Accordion Open

Learn more about plan updates related to COVID-19

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.

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

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.

  • Review the IRS list of eligible expenses
  • How to submit a claim
  • Request a debit card

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.

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

Example ineligible expenses:

  • Premiums for vision and dental insurance

*For a complete list of eligible/ineligible expenses go to asiflex.com.

  • Review the IRS list of eligible expenses
  • How to submit a claim
  • Request a debit card

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

You may be able to change your dependent day care election outside of open enrollment if you experience a change in your dependent care eligibility.

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. 

  • Review the IRS list of eligible expenses
  • How to submit a claim

Life Insurance Accordion Closed

NAU offers you three life insurance options through *The Hartford and the State of AZ plan with Securian:
* Aetna has been acquired by The Hartford.

  • 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 – The Hartford*

*Aetna has been acquired by The Hartford.

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 – The Hartford

*Aetna has been acquired by The Hartford.

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 The Hartford 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 State of AZ – MetLife or NAU – 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 State of AZ – MetLife is lower but so is the amount of income replacement State of AZ – MetLife provides.
  • The employee premium for NAU – Unum is higher but so is the amount of income replacement NAU – Unum provides.

Click here to compare Short Term Disability Plans

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.

Compare Long Term Disability Plans

Additional Benefits Offered Accordion Closed

The university’s benefit program includes the following additional benefits:

  • Employee discounts
  • Employee wellness
  • Partner assistance
  • Flexible work schedules
  • Learn about Public Service Loan Forgiveness

Exiting employees – learn about ending pay, when benefit coverage ends and COBRA Accordion Closed

Voluntary Benefits

If you leave the university, cease to be a benefit eligible employee, or retire; your voluntary benefit coverage will end on the beginning of the pay period following your last day of employment in a benefit eligible job. You may have the option to continue benefit coverage under some plans.

Click here to learn about benefit coverage ending

 

 

 

 

 

Welcome to Human Resources
Location
Building 91
Centennial Building
411 S Beaver Street
Flagstaff, Arizona 86011
Email
HR.Contact@nau.edu
Phone
(928) 523-2223