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2023 Benefits Offered

Health Care Plans

NAU Medical Plans Accordion Closed

NAU PPO – BCBSAZ Accordion Open

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.

NAU HDHP/HSA – BCBSAZ Accordion Closed

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.

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
    • $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)
    • 2023 Limits
      • $3,850 for employee only coverage
      • $7,750 for all other coverage levels
      • Age 55+ can contribute a $1,000 catch up contribution
  • 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)

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 

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.

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)
    • 2023 Limits
      • $3,850 for employee only coverage
      • $7,750 for all other coverage levels
      • Age 55+ can contribute a $1,000 catch up contribution
  • 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)

Dental Plans Accordion Closed

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.

United Health Care – Solstice Dental Plan Accordion Closed

Dental Health Maintenance Organization (DHMO)

The State of Arizona offers a DHMO through United Health Care Solstice Dental.  There are no deductibles or dollar limits. Services must be obtained from your assigned in-Network general provider.  Non-emergency services received from providers not the Plan’s ‘Exclusive’ network are not covered. Out-of-Network services are covered in emergency situations only.

There a limited number of dentists in the network, in particular in Northern Arizona.   Plan not available in AK, AL, AR, DE, HI, IA, ID, LA, ME, MS, MT, ND, NE, NH, OK, RI, SD, VT, WV, WY, GU, USVI, and PR.

Finding a Dentist

You can find out which dentists are in the UHC Solstice – S800B network by going to www.smilestateofaz.com or calling customer service at 844-208-0223.

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.

 

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 2023 – $3,050
  • 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. The rollover for the 2023 plan year is $610.

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 2022 funds can be applied to expenses incurred through March 15, 2023. Claims must be submitted by 4/30/2023.
  • Your 2023 funds can be applied to expenses incurred through March 15, 2024. Claims must be submitted by 4/30/2024.

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

Ineligible expenses: 

  • Private school tuition including kindergarten
  • Babysitting while you are not at work

How to submit a claim

 

Life and Disability Insurance

Life Insurance Accordion Closed

NAU offers employees three types of life insurance coverage.

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

An individual cannot be both a primary and a contingent beneficiary.
  • A primary beneficiary receives 100% of the designated amount.
  • A contingent beneficiary receives a benefit only if all of the primary beneficiaries are deceased.
You may name more than one primary/contingent beneficiary and split the designated amount appropriately. If you split the designated amount, the total must equal 100%.

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.

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:

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.

Learn more 

 

 

 

 

 

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Centennial Building
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Flagstaff, Arizona 86011