Benefits Offered

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

Review the in-network benefit

State Plans Wellness Program

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

Review the in-network benefit

State Plans Wellness Program

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

Review the in-network benefit 

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
Under this plan, pre-tax contributions are made by both you and NAU into an account from which you can pay for out-of-pocket expenses.

• Employer: NAU contributes $27.70 per pay period for employee only coverage and $55.39 for all other coverage levels.
• Employee: You can elect to contribute your own contributions to your HSA account up to the IRS annual maximum. Please note your contributions AND NAU’s contributions, together cannot exceed the IRS annual limit.

Employer Contribution: NAU contributes $27.70 for employee only and $55.39 for all other levels of coverage per pay period.  You may choose to also contribute to this accounts up to the annual maximum.

State Plans Wellness Program

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/.

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.

Review of offered discounts

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. 

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: 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

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

Coverage amount: You may purchase coverage of one, two, or three times your salary (rounded to the nearest $1,000) up to a maximum of $300,000.
Newly eligible: You may purchase up to the maximum amount.
Open enrollment: If enrolled, you may elect an additional one times your annual salary.

Coverage amount: You may purchase coverage in increments of $5,000 up to thew lesser of, three times your salary, or $300,000.
Newly eligible: You may purchase up to the maximum amount.
Open enrollment: You may increase, decrease or stop coverage. Elections or changes are in multiples of $5,000 up to a $20,000 maximum annually.