WELCOME SHARKS!

LET’S TALK ABOUT

BENEFITS

ICUBA is comprised of 10 colleges and universities and 17 secondary schools

Approximately 10,000 enrolled employees covering 16,000 lives

NSU’s 3,200 enrolled employees represent 34% of ICUBA’s participating employees

NSU Belongs to the ICUBA Health Insurance Consortium

Products and Services Provided by ICUBA

Medical Insurance Prescription Drug Coverage

Behavioral Health Coverage Dental Insurance

Vision Plan Health/Dependent Care FSA

Health Reimbursement Account COBRA/Retiree Health Administration

Benefit Enrollment Site Health Care Compliance Administration

Rally Wellness Program Employee Assistance Program

Visit the Benefits Websitehttps://www.nova.edu/hr/benefits

How do I enroll in Benefits? -Sharklink

http://icubabenefits.org

med ica l–denta l–v i s i onf l ex ib l e spend ing accountsgap insu rance–pet assureopt i ona l l i f e - l ega l sh ie ld

If you have questions while enrolling for benefits

Emma is a decision support tool designed to help you make an informed decision about benefits foryou & your family. Emma will guide you through a short series of questions about how you use yourbenefits and estimates your annual costs using real-life scenarios based on the answers you provide.

Login to the ICUBA Portal

Dependent VerificationWho is an eligible dependent?

• Your legally recognized spouse or domestic partner;

• Your natural child, stepchild, legally adopted child, your

legal ward, foster child or a child covered by a Qualified

Medical Child Support Order (QMCSO);

• Your child is considered an eligible dependent until the

end of the calendar year in which they turn 26;

• Your adult child who is disabled and incapable of self-

support may be considered an eligible dependent if

documented by SSI or SSA.

In-Network Benefit Summary Comparison Preferred PPO Premier Copay PPO $4,000/$8,000 Ded PPO

Deductible (Individual/Family) $2,500/$5,000 $2,500/$5,000 $4,000/$8,000

Coinsurance 20% 20% 30%

Out-of-Pocket Maximum (Individual/Family- medical copays, deductibles & coinsurance) $4,000/$8,000 $4,000/$8,000 $5,350/$10,700

Physician Office Visits 20% $25 Copay $35 Copay

Specialist Office Visits 20% $50 Copay $70 Copay

Urgent Care Center $30 Copay $50 Copay $70 Copay

Outpatient Therapy - PT, ST and OT 20% $30 Copay $40 Copay

Emergency Room Services (Copay waived if admitted) $300 Copay $300 Copay $500 Copay

Durable Medical Equipment and Prosthetic Appliances 20% AD* 20% AD* 30% ALD**

Hospital Inpatient 20% AD* 20% AD* 30% AD*

Independent Clinical Labs (free standing facilities and office visits)0% - Quest

20% - Outpatient Setting0% - Quest

20% - Outpatient Setting0% - Quest

30% - Outpatient Setting

Mental Health & Substance AbuseInpatientOutpatient

20% AD*20%

20% AD*$25 Copay

30% AD*$35 Copay

Blue Distinction Total Care PCP $0

Teladoc (1-800-Teladoc) $5 Copay

Convenient Care Clinics $10 Copay

Preventive Care 0%

Outpatient Diagnostic Imaging (MRI, MRA, CAT Scan, PET Scan) Up to $500 Copay

Ambulance $250 Copay

Medical Plan Highlights In-Network Benefits

* After Deductible ** After Limited Deductible: $2,000 of the $4,000 Individual

Deductible

Premier PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $257 $50

+ Spouse $1,000 $100

+ Child(ren) $738 $100

+ Family $1,278 $100

+ Dual Enrolled $996 $150

Preferred PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $102 $50

+ Spouse $702 $100

+ Child(ren) $450 $100

+ Family $889 $100

+ Dual Enrolled $554 $150

$4K/$8K PPO Monthly Premium

Coverage

Election Tier

Monthly

Premium

HRA

from NSU

Employee Only $97 $50

+ Spouse $598 $100

+ Child(ren) $219 $100

+ Family $615 $100

+ Dual Enrolled $313 $150

Medical Premium

The Dual Enrolled tier is for married employees who cover themselves & eligible dependent children. This tier

combines the premium for Employee Only and Employee plus Child(ren). This way Dual Enrolled NSU families

aggregate the deductible and out-of-pocket expenses which eliminates the need to meet an extra deductible.

Medical PremiumIMPORTANT POINTS TO KEEP IN MIND ABOUT COLLECTION OF PREMIUMS:

• Coverage and premium collection begin on the hire date

• The new hire enrollment period starts on the hire date and

ends 30 days later

• A premium payment may be missed when enrollment occurs

later in the enrollment period –BEFORE 03/31/2020

• Should this happen, the missed premium will be collected

retroactively

Do I get no-cost services with any of the NSU plans?

Eliminating Barriers to CareNO-COST BENEFITS

• Lab Tests

• Pap Tests

• Urinalysis

• Colorectal

Screenings

• Prostate Cancer

Screenings

Please note: Lab tests

performed at an in-

network physicians

office and not sent to

Quest Diagnostics may

be subject to

coinsurance

(deductible does not

apply beginning

04/01/1).

• Electrocardiograms

• Echocardiograms

• Mammograms

• Colonoscopies and

Sigmoidoscopies

• Immunizations

• Allergy Injections

• Bone Mineral

Density Tests

• Ultrasounds of the

Breast

• Primary Care BDTC

Visits

• Our Employee

Assistance Program

is available to all

members of your

household

• Receive up to 6

FREE face-to-face

counseling sessions

per plan year

Call the Resources for

Living EAP

24-hours a day at

1-877-398-5816

• Prescribed diabetic

supplies including

meters, lancing

devices, lancets,

test strips, control

solution, needles,

and syringes

• Prescribed Aspirin

for adults

• Prescribed generic

folic acid and

generic prenatal

vitamins for

pregnancy

• Prescribed generic

statins (if eligible)

Surgeon Quality Financial Incentive

You have access to the elite S+ Surgeons of

Excellence Network. The surgeons are:

Licensed

Board certified

Fellowship trained

Screened for malpractice, sanctions &

criminal records

Your DEDUCTIBLE and COINSURANCE are

WAIVED, so your procedure is at NO COST to

you; and travel benefits are INCLUDED, if

applicable.

Call your Care Advocate for more information

(855) 200 – 2119

Covered Surgical Procedures Full-Service Concierge

• Knee

• Hip

• Shoulder

• Foot & Ankle

• Wrist & Elbow

• Spine

• General Surgery

• Gastroenterology

• GYN

• Bariatric

• Cardiac

• ENT

You have access to a dedicated care advocate

throughout your healthcare journey

Medical Plan - No Cost SurgeryPlus

13

• Sinus problems

• Pink eye

• Bronchitis

• Allergies

• Flu

• Cough

TOP DIAGNOSES PRESCRIPTIONS AS

NEEDED• No controlled substances, psychiatric or

lifestyle drugs

• Member convenience through e-prescribing

• Appropriate prescribing following CDC

guidelines

This benefit is meant

to supplement an

ongoing relationship

with a PCP and be

used as an

alternative to Urgent

Care. Please make

sure you share your

Teladoc records with

your PCP!

• Ear infection

• Urinary tract

infection

• Upper respiratory

infection

• Nasal congestion

Restrictions apply - number of annual consults and severity of condition for consultation – available nationwide, excluding Arkansas.

• Take a doctor with you - 1-800-TELADOC• Single Sign-On through MyHealthToolkit!

• Telemedicine and Video Consultations available anytime – when your doctor is unavailable, when you have no time for an appointment, when you are on vacation, when your child is away at college!

• Members must establish an account prior to seeking treatment; Company: ICUBA

• Teladoc physicians are a national group of NCQA qualified physicians, contracted with Teladoc.

Medical Plan - No Deductible Teladoc

Co-Pay Tier30-day Co-Pay

(Retail Only)

90-Day saves $$$!

(Retail & Mail)

Preferred Generics at NSU

Pharmacy$0

$0(available on-site only, no mail

order)

Preferred Generics $5 $10

Non-Preferred Generics $10 $20

Preferred Brands $40 $80

Non-Preferred Brands $75 $150

Specialty (BriovaRx)* $75 N/A

Prescription Drug FREEBIES!Prescribed diabetic supplies including meters, lancing devices,

lancets, test strips, control solution, needles, and syringes; prescribed

Aspirin for adults, prescribed generic folic acid and generic prenatal

vitamins for pregnancy, and prescribed generic statins (if eligible).

RX Out-of-Pocket

Maximum In-network Rx copays will be

applied toward an individual

maximum out-of-pocket of $2,000

and $4,000 for family.

Medical Plan - No Deductible Pharmacy Benefit

• Do you have side effects from a new medication?

• Do you need help obtaining a prior authorization?

• Do you need help understanding the step-therapy requirement?

• Do you want to save money by switching to a generic?

These are al l great reasons to cal l

ICUBAcares Rally Incentive: If you are a candidate for a qualified medication change, the ICUBAcares team will assist with your transition to a

medication less costly to the plan and reward once complete. Call for a prescription check-up to find out more!

Free Pharmacist Advocate Program

Coverage is attached to medical insurance & administered by Aetna.

Behavioral Health & EAP Benefits

Aetna also provides EAP services to all

NSU employees regardless of

participation in a medical plan.

You can access both services by calling

one number! Call 877-398-5816 and

press 1 after the prompt for EAP, or press

2 after the prompt for Behavioral Health.

Talkspace is an online therapy platform that makes mental healthcare

more convenient and accessible by connecting users with licensed

therapists

1. Call Resources for Living for authorization

2. Register at talkspace.com/rfl

3. Organization Name is your Employer/SchoolSend unlimited

multimedia messages

How can I protect my savings when I am subject to my plan

deductible?

Health Reimbursement Account

Contributions funded monthly by NSU

HCFSA - Health Care Flexible

Spending AccountDCFSA - Dependent Care Flexible

Spending Account

Funded by NSU and provided when you

enroll in an ICUBA Medical Plan

Funded by employees who are eligible for medical insurance at NSU (a

medical insurance election is not required to enroll in flex spending)

No deductions – NSU contributes for you Deducted pre-tax over 24 pay periods Deducted pre-tax over 24 pay periods

Available each month when depositedAvailable for immediate use –

4/1/2020

Available each pay period when

deposited

Can be used for medical expenses for

members enrolled in a medical plan

Can be used for medical expenses

for you & eligible dependents

Can be used for the care of

dependents under the age of 13

If you elect an HCFSA the Flex funds are

used BEFORE the HRA funds

If enrolled in an NSU medical plan:

HCFSA funds are used before HRA

Covered expenses include:

Day Care, After Care, Gap Camps

Portable after 36 monthsIncreased Annual Limit

$2,750

IRS annual household limit:

$5,000

Funds Rollover Every Year Use-it-or-lose-it, no annual carry over

The HRA is for Medical Expenses

- Health Care & Rx Co-pays

- Dental & Vision Care

- Durable Medical Equipment

HCFSA is for Medical Expenses

- Health Care & Rx Co-pays

- Dental & Vision Care

- Durable Medical Equipment

DCFSA is NOT for Medical Expenses

- Pre-school payments

- After Care payments

- Gap camp (summer camp)

Flexible Spending Account Election must be made every year – so don’t forget!

Flexible Spending Elections Required

HRA & Optional FLEX SPENDING

Use the ICUBA MasterCard to access funds in your HRA or

FSA account

Single sign-on access to HRA and Flexible Spending

Account information including spending summaries is

available on the ICUBA portal

Optional Gap Insurance

• Supplemental insurance that offsets in-patient and certain out-

patient medical expenses

• Must be covered under a medical insurance plan at NSU

• Must elect the same tier as the NSU medical insurance plan -

employee only, employee plus child(ren), employee plus spouse,

and family

Gap Insurance Monthly Premium

Premier & Preferred

Gap Coverage / $2,500 Benefit

$4,000/$8,000 PPO Plan

Gap Coverage / $4,000 Benefit

Employee Only: $33.71 Employee Only: $43.02

+ Spouse: $68.81 + Spouse: $87.78

+ Child(ren): $58.97 + Child(ren): $75.26

+ Family: $86.08 + Family: $109.84

Optional Gap Insurance

ICUBA is pleased to add Group Aflac as our newest Brand Partner!

New Group Plans:

Critical Illness

Hospital Indemnity (Low & High)

Accident

• Group Plans will provide better benefits at a lower cost

• Plans offered on a guaranteed issue basis, no medical questions will be asked

• Individual plans no longer be offered through payroll deductions

• You can keep your plan, direct billing information from Aflac mailed to participant homes

NEW! Group Plans

Group Aflac Plans Critical Illness

• Cancer (Invasive, Non-Invasive, and Skin)

• Heart Attack

• Sudden Cardiac Arrest

• Kidney Failure and many more….

• Pays a lump sum cash benefit to you

• Pays in addition to other insurance

coverage

• Guaranteed Issue

Up to $30,000 coverage for Employee

Up to $15,000 coverage for Spouse

• If you don’t use the benefit, a $50 Annual

Health Screening Benefit still applies!

Coverage Includes

Features

You experience

chest pains and

numbness in the

left arm

Aflac Group Critical

Illness coverage is

selected

A Physician determines

that you have suffered

a heart attack

You visit the

Emergency

Room

Aflac Group Critical

Illness pays an initial

Diagnosis Benefits of

$10,000

High Low

Admission $1,000 $500

Confinement $100 $100

Intensive Care $100 $100

High Low

Admission $1,000 $500

Confinement (3 days) $300 $300

Total Payment to You! $1,300 $800

Example for Pregnancy/Delivery

Two Levels OfferedCoverage Includes

Features

Hospital admission or confinement

due to an accident or illness

• No medical questions asked

• Pays a lump sum cash benefit to

you

• Pays in addition to other insurance

coverage

• May take coverage with you if

change jobs or retire

Group Aflac Plans Hospital

Example Benefits

Coverage Includes• Ambulance rides

• Emergency room visits

• Fractures

• Burns

• Concussion

If you don’t need the benefit, a $50 Annual Health

Screening Benefit still applies!

Category Benefit

ER/Urgent Care $175

Ambulance $400

Concussion $500

Second Degree Burns $75 - $750

Third Degree Burns $750 - $15K

Lacerations $50 - $400

Fracture $240 - $6K

Dismemberment $125 - $10K

25

Group Aflac Plans Accident

1. The Dental HMO provides service only in Florida, provider must be selected, no deductible or maximum, services reimbursed according to DHMO schedule

2. The Preventive Plus PPO covers basic & preventive services only; annual maximum is $1,000

3. The High Option PPO and DHMO covers basic, major, and preventive services ; annual maximum is $2,000

1. EyeMed provides coverage for prescription glasses and contact lenses

2. Base plan provides new frames every 24 months

3. Enhanced plan provides new frames every 12 months

Election Base Plan Enhanced Plan

Employee Only $3.91 $4.83

+ Family $10.02 $12.36

* Vision insurance is for routine visits to an optometrist and provides coverage for glasses and contact

lenses. The health of your eyes is generally covered under your medical insurance plan.

Election DHMO Preventive High Option

Employee Only $11.83 $19.67 $40.81

+ One $23.73 $45.72 $81.29

+ Family $36.85 $75.69 $136.71

Optional Dental & Vision Insurance

NSU Dental Faculty Practice and the Eye Care Institute are participating providers

DHMO PPO

High Option PPO Preventive Low DHMO Prepaid CS250

Plan Year Maximum $2,000 $1,000 Unlimited

ProvidersIn-Network and Out-of-Network

Providers

In-Network and Out-

of-Network Providers

Network Provider

assignment required

*IN FLORIDA ONLY

Deductible $50 Individual/$150 Family$50 Individual/

$150 FamilyN/A

Benefit/ServiceMember Pays

In Network

Member Pays

Out of Network

Member Pays

In & Out of Network

Patient Pays Assigned

Network Provider

Preventive Services 0% 20% 0%

You pay a pre-set

copay based on the

schedule of benefits

Basic Services 20% AD 50% AD 20% AD

Major Services 50% AD 70% AD Not covered;

Discount Available for

In-Network Only,

subject to provider

discretion

Orthodontia - Adult and/or

Child50%

Up to 19 years: $1,800

19 years +: $2,000

Orthodontia Lifetime

Maximum for each member$2,000 N/A No maximum

Frequency Limitations Base Plan Buy Up Plan

Examination Once every 12 months Once every 12 months

Frame Once every 24 months Once every 12 months

Lenses or Contact Lenses Once every 12 months Once every 12 months

Vision Care Services* “In-Network Member Cost” “In-Network Member Cost”

Exam With Dilation as

Necessary$5 Copay $5 Copay

Frames$0 Copay; $100 allowance;

20% off balance over $100

$0 Copay; $130 allowance; 20% off balance over $130

Standard Plastic Lenses

Single Vision, Bifocal, Trifocal $15 Copay $15 Copay

Standard Progressive Lens $65 Copay $65 Copay

Conventional Contacts$0 Copay; $100 allowance;

15% off balance

$0 Copay; $130 allowance;15% off balance

Disposable Contacts$0 Copay; $100 allowance;

plus balance

$0 Copay; $130 allowance;plus balance

Optional LegalShield & IDShieldHAVE YOU EVER……

Needed your Will prepared or updated?

Received a moving traffic violation?

Had concerns regarding child support?

Worried about being a victim of Identity Theft?

Been pursued by a collection agency?

Monthly Premium Individual Family

LegalShield $15.95 $15.95

IDShield $8.45 $15.95

Combined $24.40 $28.90

Optional Group Term Life

• Guarantee Issue – up to maximum coverage amount of $300,000

• No Medical Questions – no underwriting

• Age Banded Group Rates – purchase in increments of $10,000

• Dependent Coverage Available - spouse/domestic partner/child

• Portable – take it with you

• Benefit Age Reduction - at 65 to 67% & at 70 to 50%

Optional Pet Assure with Pet Plus Rx

Give your pets the care they deserve at a price you can afford!

Discounts on all in-house medical services –no deductible – no exclusions – no waiting period

Pet Plus provides access to reduced cost prescription medication with the free shipping or pick up at more than 5,000 pharmacies

Coverage is available for single and multiple pet households

Pet Assure with Pet Plus Rx

Single Pet Household $11.75 / month

Multiple Pet Household $18.50 / month

Save On:

Office Visits Vaccinations Dental Procedures Emergency Visits Prescriptions Flea and Tick Products Dietary Foods Heartworm Preventatives

Includes a 24/7 Line powered by whiskerDocsveterinary experts!

For a list of participating veterinarians, go to https://www.petbenefits.com/search

Life Insurance and AD&D In the amount of 1X Salary (does not include overtime or overloads). Make sure you provide your beneficiary information in the ICUBA portal. Eligible employees must work 90 days before Life Insurance is effective.

Long Term Disability (LTD) provides LTD payments to eligible participants who are totally disabled under the terms and conditions of the Policy. Eligible employees must work 90 days before Life Insurance is effective.

Short Term Disability (STD) provides short term payments to eligible employees who are disabled and unable to work according to the terms and conditions of the Program. The program is administered by the university’s designated leave administrator. Eligible employees must work 90 days before STD program is available.

Emergency Medical Travel Assistance is available through the life insurance policy, eligible employees after 90 days of employment.

Tuition Waiver the amount of the waiver will vary by degree program. Eligible employees must work 6 months before Tuition Waiver is available.

More Benefits Provided By NSUELIGIBLE EMPLOYEES WORK 19.2 HOURS OR MORE PER WEEK

Activity Incentives

Rally SurveyGatekeeper

+ 400 Coins & ICUBA Private Sweepstakes

Wellness Exams $60

Biometric Screenings $40

Onsite/Campus Events $10 each (up to $70)

Preventive Exams: PSA/ Colonoscopy/ Mammogram

$50

(rewarded for first claim processed)

ICUBAcares Qualified Medication Change

$50

Missions Unlimited Coins

& ICUBA Private Sweepstakes

City ChallengesUnlimited Coins

& ICUBA Private Sweepstakes

Teladoc Registration 400 Rally Coins

Tobacco Attestation 400 Rally Coins

Clinical Rewards 500 Rally Coins per Quarter = 2,000 Coins

Incentive Total $270

FUN

“feel good”

FACT…

ICUBA

members

donated

more than

4 MILLIONcoins to

charity last

year!

NEW! Rally Reward Enhancements

No more public finger pricks and blood draws!

Beginning April 1, ICUBA members can earn a

wellness incentive for a biometric screening ($40)

AND an annual wellness exam ($60) when

consulting your physician privately!

1. Members log into My.QuestForHealth.com.

2. Download the Physician’s Results Form. The

form identifies you (and your spouse or

partner who are also eligible for the Rally

incentives) by a unique bar code.

3. Visit your physician and complete your annual

wellness exam – this must include your blood

work.

4. Have your physician complete & sign the form.

5. Have your physician’s office fax the form to

Quest or take a copy of the completed &

signed form and upload it yourself into the

Quest Portal (this method is recommended).

6. Earn $100 for your wellness exam & biometric

screening!

New! Rally Wellness Screening using a Physician Results Form

More Benefits Provided By NSUEMPLOYEE DISCOUNT PROGRAM

Whether you're a seasoned investor or a retirement savings rookie, NSU has you

covered with access to best-in-class retirement savings options from

TIAA and VALIC, and industry leading financial advice through our partnership withTIAA, VALIC and CAPTRUST.

When are you eligible to contribute?

If you are an eligible employee who is 21 years of age or older and working 19.2 hours

or more per week, you can contribute to the NSU 401(k) Plan on a non-matched basis

on the first of the month following your date of hire.

When are you eligible for the NSU match?

If you are an eligible employee who is 21 years of age or older and working 19.2 hours

or more per week, you can receive the NSU 401(k) Match on the first of the month

following your one-year anniversary.

Retirement Savings

Retirement Savings

My Retirement Manager Portal

https://www.myretirementmanager.com/myrm/login/login.aspx

Employeecontribution is

0% +

NSU basic contribution of

2% +

NSU SafeHarbor Match of

0% +

NSU additional match of

0% =

Total NSU contribution

2%

TOTAL RETIREMENT

SAVINGS

(vested after 3 years)

If you contribute 0%

after 1 year…

Retirement Savings

Employeecontribution is

4% +

NSU basic contribution of

NSU SafeHarbor Match of

NSU additional match of

Total NSU contribution

14%TOTAL RETIREMENT

SAVINGS

(vested after 3 years)

(vested immediately)

(vested after 3 years)

(vested immediately)

If you contribute 4%

after 1 year…

Retirement Savings

Retirement SavingsVisit the Benefits YouTube channel to learn more about contribution percentages:

https://www.youtube.com/watch?v=SSAwrUEku6o&feature=youtu.be

Contribution Calculator https://www.nova.edu/hr/benefits/retirement-plans.html

Your benefit information is available at your fingertips – mobile apps are available for iOS and Android

No computer? No Problem! With the MyHealthToolkit app you can use your digital medical ID card from your phone and smart wallet feature, check the status of your claims, view benefits and what’s covered by your medical plan and find local providers quickly!

OptumRx mobile app gives you instant, secure access to your personal prescription information and trusted pharmacy resources. Check your prescription history, compare prescription prices and locate nearby pharmacies.

Rally Health app gives you direct access to ICUBA’s interactive wellbeing program, Blue Rewards powered by Rally Health. Download this app and sync it with your favorite fitness device to start earning dollars and coins today! Hint: Register in City Challenges for Private Sweepstakes entry!

MyQuest™ allows you to conveniently access your health information, request and receive lab results, schedule your next lab appointment or find the nearest Quest Diagnostics Patient Service Center location.

Resources for Living allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being.

Bswift Benefits app gives you instant, secure access to your personal benefits information. gain easy access to Insurance Partner contact information and use the “go to your benefits site” feature to access ICUBAbenefits.org! CompanyID: ICUBABENEFITS

MyStrength allows you to access information, support and resources to help you manage the issues that impact your work, life and well-being.

MyHumana Mobile app gives you quick access to view your dental plan and coverage details as well as a search feature to help you easily locate an in-network provider in your area.

EyeMed Members gives you access to your benefit information on-the-go. Check your benefit details for eye exams, eyeglass frames, contacts, and lenses directly from your phone.

Find Us On Social Media

@NSUBenstagram

NSU Benefits and

Wellness YouTube

Channel

Call to Action

• ENROLL – Via Sharklink

• USE YOUR FREE PREVENTIVE CARE BENEFITS – stay heathy & identify

emergent health issues early

• JOIN THE RALLY WELLNESS PROGRAM – get active & earn incentives

• CONSULT WITH AN ICUBACARES PHARMACIST - lower your RX cost

• REGISTER FOR TELADOC - before you need a quick medical consultation

• USE THE EAP - six free EAP sessions for you & your household members

• START YOUR RETIREMENT SAVINGS – secure your future