2020 Benefits Offered

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.

Learn more about plan updates related to COVID-19

Network website: www.azblue.com

Review the in-network benefit

Learn how to use your NAU BCBSAZ benefits / prescription Rx coverage

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 2020 (this limit includes employer and employee contributions)
  • $3,550 for employee only coverage
  • $7,100 for all other coverage levels
• Age 55+ can contribute a $1,000 catch up contribution

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

• 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 Wellness Incentive 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.

Learn more about plan updates related to COVID-19

Network websites: Aetna, Blue Cross Blue Shield of Arizona, CIGNA or United Healthcare

Review the in-network benefit

Learn about prescription coverage through MedImpact, the State of AZ medical plans Rx provider

High Deductible Health Plan & Health Savings Account (HSA)

This option is a combination of two types of plans with the network through Aetna.

Learn more about plan updates related to COVID-19

Network websites: Aetna

Review the in-network benefit

Learn about prescription coverage through MedImpact, the State of AZ medical plans 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 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 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 PayFlex 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 2020 (this limit includes employer and employee contributions)
  • $3,550 for employee only coverage
  • $7,100 for all other coverage levels
• Age 55+ can contribute a $1,000 catch up contribution

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

• 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 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. 

*Limited Purpose FSA

*Only applies to employees enrolled in a High Deductible Health Plan/HSA

Learn more about plan updates related to COVID-19

This account reimburses you for eligible out-of-pocket vision and dental expenses only such as  coinsurance, glasses, contacts, and Orthodontia.

Maximum contribution

• For 2020 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.

• Copays
• Eye glasses, contacts, contact solution and LASIK surgery
• Orthodontia

Example ineligible expenses:

• Premiums for vision and dental insurance

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.

Learn more about plan updates related to COVID-19

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

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

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.

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.