2022 Benefits Offered
View a Quick 2022/2021 Benefit Overview
Health Care Plans
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.
- 2022 Health Care Premiums
- Network website: www.azblue.com
- Review the in-network benefit
- 2022 Summary of Benefits and Coverage for the NAU BCBSAZ – PPO English Spanish
- NAU PPO and HDHP tiered RX benefit
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 cost is much lower. This plan uses the same BCBSAZ network of healthcare providers as the NAU BCBSAZ PPO plan.
- 2022 Health Care Premiums
- Network website: www.azblue.com
- Review the in-network benefit
- 2022 Summary of Benefits and Coverage for the NAU BCBSAZ – HDHP\HSA English Spanish
- 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. You can contribute up to the IRS annual limit (this limit includes employer and employee contributions)
- 2022 Limits
- $3,650 for employee only coverage
- $7,300 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2022 Limits
- 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)
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
- 2022 Health Care Premiums
- Network websites: Blue Cross Blue Shield of Arizona, or United Healthcare
- Review the in-network benefit
- 2022 Summary of Benefits and Coverage for the State of AZ Triple Choice Plan(TCP) English Spanish
- Learn about prescription coverage through the State of AZ Rx provider
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.
- 2022 Health Care Premiums
- Network websites: Blue Cross Blue Shield of Arizona, or United Healthcare
- Review the in-network benefit
- 2022 Summary of Benefits and Coverage for the State of AZ HDHP/HSA English Spanish
- 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. You can contribute up to the IRS annual limit (this limit includes employer and employee contributions)
- 2022 Limits
- $3,650 for employee only coverage
- $7,300 for all other coverage levels
- Age 55+ can contribute a $1,000 catch up contribution
- 2022 Limits
- 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)
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.
- Review HIP Program Guide
- 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)
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.
CIGNA Dental Care Access Accordion Closed
Dental Health Maintenance Organization (DHMO)
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/.
- 2022 Health Care Premiums
- Network website: CIGNA Dental
- Review the in-network benefits
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.
- 2022 Health Care Premiums
- Network website: www.avesis.com
- Review vision benefits
Flexible Spending Accounts
Flexible Spending Accounts – Health Care Accordion Closed
The Health Care FSA 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.
If you elect in a HDHP/HSA as your medical coverage you will be enrolled in the Limited Purpose Health Care FSA which only reimburses you for eligible out-of-pocket vision and dental expenses only such as coinsurance, glasses, contacts, and orthodontia.
You must make an new election during open enrollment for the next calendar year. You may be able to change your election outside of open enrollment if you experience a Qualified Life Event(QLE) such as marriage of birth of a child.
Contributions Accordion Open
- All contributions are made with pre tax dollars
- The IRS limits your annual contributions to 2021 – $2,700 / 2022 – $2,750
- 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 Accordion Closed
Under the Health Care FSA and Limited Purpose Health Care FSA you can rollover unused contributions to the next year. Funds will only rollover for individuals who are actively working on the last day of the plan year.
- 2020 Plan Year – All remaining 2020 funds were rolled over for use in 2021.
- 2021 Plan Year – All remaining 2021 funds will roll over for use into 2022.
- 2022 Plan Year – The rollover amount will return to $550 for the 2022 plan year. Up to $550 of remaining 2022 funds will roll over for use in 2023.
The rollover is not available for the Dependent\Day Care FSA.
Eligible expenses Accordion Closed
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.
Flexible Spending Accounts -Dependent\Day Care Accordion Closed
The FSA Dependent\Day Care 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. Note: Claims for dependent medical and/or other expenses should be submitted the the Medical FSA not the Dependent Care FSA.
You must make an new election during open enrollment for the next calendar year. 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.
Contributions Accordion Open
- All contributions are made with pre tax dollars
- The IRS limits your annual contributions to $5,000 per employee or $5,000 per family
- Eligible expenses can only be reimbursed up to the current balance of contribution in your account.
Important: The Dependent day care FSA do not have the $500 rollover provision.
Grace Period Accordion Closed
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)
The Grace Period is not available for the Health Care FSA.
Eligible Expenses Accordion Closed
Before you incur an expense under your it is a good idea to determine if it is eligible for reimbursement on the ASI website, asiflex.com.
Eligible expenses
- Services provided by a licensed day care facility for six or more children
- Babysitting services while you are at work
- Review the IRS list of eligible expenses
Ineligible expenses:
- Private school tuition including kindergarten
- Babysitting while you are not at work
Life and Disability Insurance
Life Insurance Accordion Closed
NAU offers employees three types of life insurance coverage.
-
Basic Life Insurance and AD&D Tab Open
-
Employee 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).
Employee Supplemental Life Insurance Accordion Closed
NAU – The Hartford
Coverage amount:
- Newly eligible: You may purchase coverage of one, two, or three times your annual salary (rounded to the nearest $1,000) up to a maximum of $300,000.
- Open Enrollment: You may increase, decrease or stop coverage. If not enrolled, you may only enroll in 1- times your annual salary.
State of AZ – Securian
Coverage amount
- Newly eligible: You may purchase coverage in increments of $5,000 up to the lesser of three times your annual salary or $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.
Dependent Life Insurance Accordion Closed
NAU – 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.
Beneficiaries
In the event of your death, your basic life and supplemental individual life insurance benefit will be paid to your designated beneficiary. If you choose more than one beneficiary, you can define the amount paid or a percent paid to each beneficiary.
Primary vs contingent beneficiaries
- A primary beneficiary receives 100% of the designated amount.
- A contingent beneficiary receives a benefit only if all of the primary beneficiaries are deceased.
Naming an estate or organization
If you are naming an Estate, or Organization as your primary beneficiary you will be required to provide an Employer Identification Number (EIN), also known as a federal tax identification number used to identify a business entity. The EIN should be used in place of the Social Security number (SSN). You can obtain the EIN from the Trustee of the Estate or the designated Organization.
Changing your beneficiaries
It is important to keep your beneficiary information current. You may change a beneficiary and/or the designated amount for your current beneficiary through Self Service at any time.
How to make a beneficiary change
- Log into LOUIE Self Service
- Select ‘Self Service’
- Select ‘Benefits’
- Select ‘Benefit Summary’
- Click on a life plan (for example ‘NAU Basic Life’)
- Click on the name of a beneficiary to update their information
- Click ‘Edit’ to add new beneficiary.
- Save your changes before exiting.
Your options at termination
When you terminate employment, cease to be a benefit eligible employee, or retire, you have the option to continue your life insurance coverage. During the 31 days immediately following the termination of your life insurance, you may continue your current coverage or convert it from a term life policy to a whole life policy.
For more information about continuing your life insurance please contact your provider directly. You can find contact information on the Benefit vendor contact web page.
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.
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:
What happens to your benefits when you leave the university
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.