ICUBA currently offers four PPO medical plans from which to choose: PPO 70 Blue Choice, PPO 70 Blue Options, PPO Risk/Reward Blue Choice and PPO Risk/ Reward Blue Options.  These offerings include a high deductible plan that allows member schools to offer an HRA (Health Reimbursement Account) to its members if they choose to do so in addition to a high deductible plan with a high performance network.  ICUBA has no deductibles for ambulatory care or prescription drugs. ICUBA also offers a 90 day at retail pharmacy drug program along with a value based formulary which allows members to save time and money. ICUBA pays 100% of Preventative Services as listed in the Schedule.

Each of the plans is a PPO, which allows greater access to medical services and freedom of choice for the employee than an HMO. Member schools also have the flexibility to select benefits to fit their own institutional objectives (e.g., whether to cover abortion or domestic partners, etc.) and enjoy the benefit of competitive Premium Rates.

ICUBA Medical Plans Summary

Other Services Provided by ICUBA

• A debit card for use with a Flexible Spending Account (FSA) or the HRA. Account balances are accessed on the ICUBA Benefits Portal
• High-end EAP benefits for all eligible employees, even if they do not enroll in a medical plan
• A Value Based Generic Drug Program, 90 Day at Retail and Mail Order Pharmacy with affordable Co-pays and no Co-insurance as listed in the Co-pay Schedule
• On-line Benefits Portal for enrollment, access to personal claims, provider directories, benefit summaries and forms, Human Resource tools and issues, and health information at icubabenefits.org
• 24-hour nurse line
• Extensive discounts on wellness, alternative medicine and complementary programs
• Full regulatory and compliance assistance with ERISA, HIPAA, COBRA and Section 125 issues
• Access to professionals and organizations dealing with the same magnitude of health care issues as we are including consultants and other HR professionals
• Disease Management programs for cardiac, diabetes, asthma, COPD, obesity and low back pain
• Humana Dental Plans including two Dental PPO Plans, PPO 1 and PPO 2 and Dental HMO
• Advantica Vision
• UNUM Life and Disability insurance options
• Flexible Spending Account and Dependent Care Assistance administration, including a debit card for payment of services and healthcare purchases
• A predictive modeling tool that helps employees make plan and reimbursement account decisions
• State-of-the-art access online to forms, benefit summaries, and claim information
• Ongoing member education and communication
• Organization of Health Fairs including Biometric screenings