What costs do you expect ?<\/div><\/div><\/strong><\/h5>\n\u00a0 \u00a0 \u00a0 \u00a0 Your Cost =\u00a0 \u00a0Employee Premiums +\u00a0Out-of-Pocket Costs\u00a0(deductibles, copays & coinsurance)<\/p>\n\n<\/div>\n\n
\n \nAre your providers in the network?<\/div><\/div><\/strong><\/h5>\nVisit the Vendor Contact webpage<\/a> for the provider\u2019s website address and customer service phone number.<\/p>\n\n<\/div>\n\n\n \nWhat does the plan cover?<\/div><\/div><\/strong><\/h5>\nVisit the\u00a0Benefit Plan Documents and Policies <\/a>web page for plan details including the Summary of Benefits and Coverage<\/a> for each medical plan.<\/p>\n\n<\/div>\n<\/div>
\nMedical Plans<\/h3>\n\n\n \nYou can choose from 4 medical plans that all include:<\/p>\n
\n- Nationwide network<\/li>\n
- Prescription coverage<\/li>\n
- Preventive care at no cost<\/li>\n
- In and out of network coverage<\/li>\n<\/ul>\n
Review the Medical Plan Comparison\u00a0<\/a><\/p>\n\n<\/div>\n\n\n \n![\"\"](\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/medical-photo-by-alexandr-podvalny-on-unsplash-464x348.jpg\")
<\/p>\n\n<\/div>\n<\/div>\n\n\n
\n \n - \n \n \n
\n NAU Preferred Provider Plan \u2013 PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n NAU High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ Preferred Provider Plan \u2013 PPO Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n\n \n \n NAU Preferred Provider Plan \u2013 PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nHighest premium but lowest out-of-pocket maximum.<\/strong><\/p>\n\n- BCBSAZ Network<\/li>\n
- Copay before<\/u> deductible for prescriptions<\/li>\n
- No deductible or copay for Campus Health Services or mental health office visits<\/li>\n
- Copay or coinsurance after<\/u> deductible for most other services<\/li>\n
- Eligible for Health Care FSA, not HSA.<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
NAU High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLowest premium, but high deductible<\/strong><\/p>\n\n- BCBSAZ Network<\/li>\n
- Copay after<\/u> deductible for prescriptions<\/li>\n
- Coinsurance after<\/u> deductible for most other services<\/li>\n
- No cost at Campus Health after<\/u> deductible<\/li>\n
- NAU contributes to Health Savings Account (HSA) with Health Equity – <\/em>Learn how an HSA works<\/em><\/a>.<\/em><\/li>\n
- Eligible for a Limited Purpose FSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ Preferred Provider Plan \u2013 PPO Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLow premium, but highest out-of-pocket maximum.<\/strong><\/p>\n\n- Choice of the UHC or BCBSAZ Network<\/li>\n
- No deductible<\/li>\n
- Copays for prescriptions & office visits – including Campus Health<\/li>\n
- Eligible for a Health FSA but not an HSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLow premium, but high deductible<\/strong><\/p>\n\n- Choice of UHC or BCBSAZ<\/li>\n
- Copay for prescriptions after<\/u> deductible.<\/li>\n
- Coinsurance after<\/u> deductible for most other services<\/li>\n
- NAU contributes to Health Savings Account (HSA) with Optum – <\/em>Learn how an HSA works<\/em><\/a>.<\/em><\/li>\n
- Eligible for a Limited Purpose FSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n\n\n \n
![\"\"](\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/dental-med-464x348.jpg\")
<\/p>\n\n<\/div>\n\n
\n \nDental Plans<\/h4>\n
You can choose between two dental plans: a PPO and a DHMO. The plans are very different. They have different out-of-pocket expenses, employee premiums and networks.<\/p>\n
Review Dental Comparison<\/a><\/p>\n\n<\/div>\n<\/div>\n\n\n \n - \n \n \n
\n State of AZ PPO \u2013\u00a0Delta Dental Premier Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ DHMO \u2013 United Health Care \u2013 Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n\n \n \n State of AZ PPO \u2013\u00a0Delta Dental Premier Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nHigher premium but a large network<\/strong><\/p>\n\n- In & out-of-network coverage<\/li>\n
- Your costs are lower when you see providers in the network<\/li>\n
- For out-of-network services, you are responsible for balance billing amount<\/li>\n
- No cost for preventive care<\/li>\n
- Deductible and coinsurance for basic and major services<\/li>\n
- $2,000 Maximum annual benefit<\/li>\n
- $1,000 Lifetime orthodontia benefit<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ DHMO \u2013 United Health Care \u2013 Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nA low premium but a limited network – few providers in Northern AZ.<\/strong><\/p>\n\n- In-network coverage only!<\/li>\n
- You are responsible for the full cost of out-of-network services.<\/li>\n
- No cost for preventive care<\/li>\n
- Schedule of Benefits for non-preventive services<\/li>\n
- No annual benefit maximum<\/li>\n<\/ul>\n
Not available in the following states: <\/em>AK, AL, AR, DE, HI, IA, ID, LA, ME, MS, MT, ND, NE, NH, OK, RI, SD, VT, WV, WY, GU, USVI, and PR<\/em><\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\nVision<\/strong> Plan<\/h3>\n\n\n \nNAU offers the Avesis Advantage Plan for vision coverage.<\/p>\n
\n- In & out-of-network coverage<\/li>\n
- Lowest cost with in-network providers<\/li>\n
- Limited reimbursement for out-of-network services<\/li>\n
- Yearly coverage for a routine eye exam, glasses or contact lenses.<\/li>\n<\/ul>\n\n<\/div>\n\n\n \n
![\"Image](\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/Vision-phot-by-david-travis-on-unsplash-464x348.jpg\")
<\/p>\n\n<\/div>\n<\/div>\n
Review Vision Comparison<\/a><\/p>\n
\nStill have questions?<\/h3>\n
Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n
\n
\n \nQuestions??? Review FAQs<\/a><\/div><\/div><\/h3>\n
\nProvider Networks<\/div><\/div><\/h4>\nMedical<\/strong><\/p>\n\n- NAU PPO and HDHP:\u00a0BCBSAZ<\/a><\/li>\n
- State of AZ TCP or HDHP:<\/strong> Visit the BCBSAZ<\/a> or UHC<\/a> websites and select the plan.<\/li>\n<\/ul>\n
\nDental<\/strong><\/p>\n\n- Delta Dental Premier<\/a><\/li>\n
- UnitedHealthcare (UHC) Solstice – S800B<\/a><\/li>\n<\/ul>\n
\nVision<\/strong><\/p>\n\n- Avesis Advantage<\/a><\/li>\n<\/ul>\n
\n\n\n \n Resources<\/h3>\n <\/div>\n \n \n\n- Benefit Overview<\/a><\/li>\n
- Employee Benefit Premiums<\/a><\/li>\n
- Changing Your Benefits<\/a><\/li>\n
- Orientation Videos<\/a><\/li>\n
- Benefit Plan Documents and Policies<\/a><\/li>\n
- Benefits Vendor Contact Information<\/a><\/li>\n
- LOUIE HR<\/a><\/li>\n<\/ul>\n<\/div>\n <\/div>\n <\/div>\n\n
\nLearn how to earn up to a $300 incentive with HIP!<\/a><\/div><\/div><\/h4>\n
\u00a0 \u00a0 \u00a0 \u00a0 Your Cost =\u00a0 \u00a0Employee Premiums +\u00a0Out-of-Pocket Costs\u00a0(deductibles, copays & coinsurance)<\/p>\n\n<\/div>\n\n
Are your providers in the network?<\/div><\/div><\/strong><\/h5>\nVisit the Vendor Contact webpage<\/a> for the provider\u2019s website address and customer service phone number.<\/p>\n\n<\/div>\n\n\n \nWhat does the plan cover?<\/div><\/div><\/strong><\/h5>\nVisit the\u00a0Benefit Plan Documents and Policies <\/a>web page for plan details including the Summary of Benefits and Coverage<\/a> for each medical plan.<\/p>\n\n<\/div>\n<\/div>
\nMedical Plans<\/h3>\n\n\n \nYou can choose from 4 medical plans that all include:<\/p>\n
\n- Nationwide network<\/li>\n
- Prescription coverage<\/li>\n
- Preventive care at no cost<\/li>\n
- In and out of network coverage<\/li>\n<\/ul>\n
Review the Medical Plan Comparison\u00a0<\/a><\/p>\n\n<\/div>\n\n\n \n<\/p>\n\n<\/div>\n<\/div>\n\n\n
\n \n - \n \n \n
\n NAU Preferred Provider Plan \u2013 PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n NAU High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ Preferred Provider Plan \u2013 PPO Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n\n \n \n NAU Preferred Provider Plan \u2013 PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nHighest premium but lowest out-of-pocket maximum.<\/strong><\/p>\n\n- BCBSAZ Network<\/li>\n
- Copay before<\/u> deductible for prescriptions<\/li>\n
- No deductible or copay for Campus Health Services or mental health office visits<\/li>\n
- Copay or coinsurance after<\/u> deductible for most other services<\/li>\n
- Eligible for Health Care FSA, not HSA.<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
NAU High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLowest premium, but high deductible<\/strong><\/p>\n\n- BCBSAZ Network<\/li>\n
- Copay after<\/u> deductible for prescriptions<\/li>\n
- Coinsurance after<\/u> deductible for most other services<\/li>\n
- No cost at Campus Health after<\/u> deductible<\/li>\n
- NAU contributes to Health Savings Account (HSA) with Health Equity – <\/em>Learn how an HSA works<\/em><\/a>.<\/em><\/li>\n
- Eligible for a Limited Purpose FSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ Preferred Provider Plan \u2013 PPO Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLow premium, but highest out-of-pocket maximum.<\/strong><\/p>\n\n- Choice of the UHC or BCBSAZ Network<\/li>\n
- No deductible<\/li>\n
- Copays for prescriptions & office visits – including Campus Health<\/li>\n
- Eligible for a Health FSA but not an HSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nLow premium, but high deductible<\/strong><\/p>\n\n- Choice of UHC or BCBSAZ<\/li>\n
- Copay for prescriptions after<\/u> deductible.<\/li>\n
- Coinsurance after<\/u> deductible for most other services<\/li>\n
- NAU contributes to Health Savings Account (HSA) with Optum – <\/em>Learn how an HSA works<\/em><\/a>.<\/em><\/li>\n
- Eligible for a Limited Purpose FSA<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n\n\n \n
<\/p>\n\n<\/div>\n\n
\n \nDental Plans<\/h4>\n
You can choose between two dental plans: a PPO and a DHMO. The plans are very different. They have different out-of-pocket expenses, employee premiums and networks.<\/p>\n
Review Dental Comparison<\/a><\/p>\n\n<\/div>\n<\/div>\n\n\n \n - \n \n \n
\n State of AZ PPO \u2013\u00a0Delta Dental Premier Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n - \n \n \n
\n State of AZ DHMO \u2013 United Health Care \u2013 Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n\n \n \n State of AZ PPO \u2013\u00a0Delta Dental Premier Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nHigher premium but a large network<\/strong><\/p>\n\n- In & out-of-network coverage<\/li>\n
- Your costs are lower when you see providers in the network<\/li>\n
- For out-of-network services, you are responsible for balance billing amount<\/li>\n
- No cost for preventive care<\/li>\n
- Deductible and coinsurance for basic and major services<\/li>\n
- $2,000 Maximum annual benefit<\/li>\n
- $1,000 Lifetime orthodontia benefit<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n \n
State of AZ DHMO \u2013 United Health Care \u2013 Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n \n \n\n\nA low premium but a limited network – few providers in Northern AZ.<\/strong><\/p>\n\n- In-network coverage only!<\/li>\n
- You are responsible for the full cost of out-of-network services.<\/li>\n
- No cost for preventive care<\/li>\n
- Schedule of Benefits for non-preventive services<\/li>\n
- No annual benefit maximum<\/li>\n<\/ul>\n
Not available in the following states: <\/em>AK, AL, AR, DE, HI, IA, ID, LA, ME, MS, MT, ND, NE, NH, OK, RI, SD, VT, WV, WY, GU, USVI, and PR<\/em><\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\nVision<\/strong> Plan<\/h3>\n\n\n \nNAU offers the Avesis Advantage Plan for vision coverage.<\/p>\n
\n- In & out-of-network coverage<\/li>\n
- Lowest cost with in-network providers<\/li>\n
- Limited reimbursement for out-of-network services<\/li>\n
- Yearly coverage for a routine eye exam, glasses or contact lenses.<\/li>\n<\/ul>\n\n<\/div>\n\n\n \n
<\/p>\n\n<\/div>\n<\/div>\n
Review Vision Comparison<\/a><\/p>\n
\nStill have questions?<\/h3>\n
Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n
\n
\n \nQuestions??? Review FAQs<\/a><\/div><\/div><\/h3>\n
\nProvider Networks<\/div><\/div><\/h4>\nMedical<\/strong><\/p>\n\n- NAU PPO and HDHP:\u00a0BCBSAZ<\/a><\/li>\n
- State of AZ TCP or HDHP:<\/strong> Visit the BCBSAZ<\/a> or UHC<\/a> websites and select the plan.<\/li>\n<\/ul>\n
\nDental<\/strong><\/p>\n\n- Delta Dental Premier<\/a><\/li>\n
- UnitedHealthcare (UHC) Solstice – S800B<\/a><\/li>\n<\/ul>\n
\nVision<\/strong><\/p>\n\n- Avesis Advantage<\/a><\/li>\n<\/ul>\n
\n\n\n \n Resources<\/h3>\n <\/div>\n \n \n\n- Benefit Overview<\/a><\/li>\n
- Employee Benefit Premiums<\/a><\/li>\n
- Changing Your Benefits<\/a><\/li>\n
- Orientation Videos<\/a><\/li>\n
- Benefit Plan Documents and Policies<\/a><\/li>\n
- Benefits Vendor Contact Information<\/a><\/li>\n
- LOUIE HR<\/a><\/li>\n<\/ul>\n<\/div>\n <\/div>\n <\/div>\n\n
\nLearn how to earn up to a $300 incentive with HIP!<\/a><\/div><\/div><\/h4>\n
Visit the Vendor Contact webpage<\/a> for the provider\u2019s website address and customer service phone number.<\/p>\n\n<\/div>\n\n Visit the\u00a0Benefit Plan Documents and Policies <\/a>web page for plan details including the Summary of Benefits and Coverage<\/a> for each medical plan.<\/p>\n\n<\/div>\n<\/div> You can choose from 4 medical plans that all include:<\/p>\n Review the Medical Plan Comparison\u00a0<\/a><\/p>\n\n<\/div>\n\n Highest premium but lowest out-of-pocket maximum.<\/strong><\/p>\n Lowest premium, but high deductible<\/strong><\/p>\n Low premium, but highest out-of-pocket maximum.<\/strong><\/p>\n Low premium, but high deductible<\/strong><\/p>\n You can choose between two dental plans: a PPO and a DHMO. The plans are very different. They have different out-of-pocket expenses, employee premiums and networks.<\/p>\n Review Dental Comparison<\/a><\/p>\n\n<\/div>\n<\/div>\n\n Higher premium but a large network<\/strong><\/p>\n A low premium but a limited network – few providers in Northern AZ.<\/strong><\/p>\n Not available in the following states: <\/em>AK, AL, AR, DE, HI, IA, ID, LA, ME, MS, MT, ND, NE, NH, OK, RI, SD, VT, WV, WY, GU, USVI, and PR<\/em><\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n NAU offers the Avesis Advantage Plan for vision coverage.<\/p>\n Review Vision Comparison<\/a><\/p>\n Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n \n Medical<\/strong><\/p>\n Dental<\/strong><\/p>\n Vision<\/strong><\/p>\n
\nMedical Plans<\/h3>\n
\n
<\/p>\n\n<\/div>\n<\/div>\n\n\n\n
\n NAU Preferred Provider Plan \u2013 PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n NAU High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n State of AZ Preferred Provider Plan \u2013 PPO Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n State of AZ High Deductible Plan Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
NAU Preferred Provider Plan \u2013 PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
NAU High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
State of AZ Preferred Provider Plan \u2013 PPO Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
State of AZ High Deductible Plan Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
<\/p>\n\n<\/div>\n\nDental Plans<\/h4>\n
\n
\n State of AZ PPO \u2013\u00a0Delta Dental Premier Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n State of AZ DHMO \u2013 United Health Care \u2013 Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
State of AZ PPO \u2013\u00a0Delta Dental Premier Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
State of AZ DHMO \u2013 United Health Care \u2013 Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n
Vision<\/strong> Plan<\/h3>\n
\n
<\/p>\n\n<\/div>\n<\/div>\n
\nStill have questions?<\/h3>\n
\n\n
\n\n
\n\n
\n\nResources<\/h3>\n <\/div>\n
\n
\n
![\"\"](\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2025\/01\/Personify_Health_Logo_Stacked_Sunrise-300x72-cfccf4e-1-960x240.png\"){kind=logo}
<\/a><\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"