Medical Benefits administered by Blue Cross Blue Shield (BCBS) of Florida. ICUBA partners with BCBS to provide exceptional medical benefits for our members.  BCBS administers the claims for our self-funded insurance plan. The support ICUBA receives from BCBS, including Total Care providers, Embold preferred providers and specialist, Essential Advocate, CareConnected, and Rally Health for our members is superb.  Additionally, BCBS is a true partner when it comes to improving the wellbeing of our employees with the ever expanding wellbeing program; constantly looking for better ways to engage our population.

ICUBA partners with Virta Health to provide a new no-cost diabetes reversal benefit to all our eligible members. Virta is a research-backed treatment that reverses type 2 diabetes, meaning that patients can lower their blood sugar and A1c, all while reducing diabetes medications and losing weight. 

ICUBA partners with Aetna Resources for Living to provide our Employee Assistance Program.  The EAP is a confidential resource that can help members deal with family problems, stress-related issues, depression, eating disorders, problems at work, financial crises and much more.  No issue is too large or too small.  Members do not have to be enrolled in an ICUBA medical plan to use this benefit. All benefit-eligible employees (and all members of the household) can take advantage of this resource, which includes six free counseling sessions per issue per plan year.  

ICUBA offers generous prescription benefits through our partnership with OptumRx with an affordable copay structure for 30 and 90 day supply service through retail and mail order pharmacies.  ICUBA also offers certain free chronic condition medications and OTC preventive generics with a prescription as part of our pharmacy benefit with $0 copay.  Additionally, prescribed diabetic supplies are covered at 100% with no copay including meters, lancets, lancing devices, test strips, control solution, insulin needles and syringes.

Real Pharmacists - Real Advocates - Real Solutions!  Our ICUBAcares Pharmacist Advocate Program serves as a liaison between the doctor, pharmacy, and insurance company to take the burden off of the member when navigating questions on ICUBA's prescription drugs plan, side effects, drug interactions, prior authorization, and our tiered plan design.

ICUBA partners with Employer Direct Healthcare's SurgeryPlus, a supplemental benefit for non-emergent surgeries, to provide a concierge-quality healthcare experience at substantial savings to members enrolled in an ICUBA Medical Plan.  ICUBA members gain access to an elite, high-performance Surgeons of Excellence network that includes top quality, and 100 percent board-certified providers. Providers in the SurgeryPlus network have been rigorously screened, significantly reducing the risk of surgical complications. Through SurgeryPlus, members will receive the full health concierge service with personal Care Advocates who handle every aspect of their surgical experience.

ICUBA partners with Hinge Health to provide at-home therapy solutions for back, knee, shoulder, hip, and neck pain.  With the help of Hinge Health's technology and highly trained therapists and coaches, ICUBA members are on their way to living pain free.  This benefit is provided to all medical plan members at no cost.

ICUBA partners with Ameriflex to administer our member Health Reimbursement Accounts/Arrangements (HRA) and Flexible Spending Accounts (healthcare and dependent care).  These funds are easily accessible to our members with the ICUBA Benefits MasterCard.  Ameriflex also administers our COBRA and Retirement benefit offerings.  They ensure our members receive timely retirement packages and COBRA notices, as appropriate.

ICUBA partners with EyeMed to provide two voluntary vision plans. Both vision plans offer an in-network routine eye exam for a low $5 copay with lenses or contact lenses every 12-months.  The difference in two plans is the frame frequency and allowance.  The Base Plan allows frames once every 24-months with a $130 allowance and the Buy-up Plan allows frames every 12-months with a $150 allowance.

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ICUBA's dental coverage is offered through our partnership with Delta Dental so members can receive the important dental care needed for good health. Members can choose from three different fully-insured dental plans that best fit their needs. Delta Dental offers a Dental Health Maintenance Organization (DHMO) through the Dental Care USA Network and Delta Dental Nework and Delta Preferred Provider Organization (PPO) plans.

ICUBA partners with Symetra to provide comprehensive life, disability and FMLA benefits to our members.  The suite of insurance benefits provided by AIG includes Basic Life, Voluntary Life, Accidental Death & Dismemberment, Short-Term Disability, Long-Term Disability and Family Medical Leave Administration.

ICUBA partners with CHUBB to provide a lifetime life insurance benefit with a long term care rider to our members.  This unique benefit provides life insurance with the option of accessing 4% of the death benefits per month for up to 25 years to pay for long term care and includes a restoration provision if the benefit is depleted.  Premiums are set at the time of election and are guaranteed to age 100.  

ICUBA partners with Aflac to provide our members with voluntary group benefit plans that include Critical Illness, Hospital Indemnity and Accident insurance.  These group benefits provide members with richer plans at more affordable premiums.  They also provide members with benefits that will help them off-set deductibles, out of pocket maximums and expenses not covered by health insurance.

ICUBA partners with LegalShield to provide access to comprehensive and affordable legal protection for our members and their families.  Plan offerings include common personal legal needs at every stage of life and provides coverage for family, home, financial, estate planning, auto and other general matters.  This Group LegalShield plan covers the member; member’s spouse; dependent children up to age 26; or physically or mentally disabled dependent children to any age.

ICUBA partners with bswift to ensure our members have the best user experience through our benefits platform: http://icubabenefits.org.  The innovative, highly configurable software provided by bswift delivers a customizable, user friendly benefits platform for our members and participants.  ICUBA is happy to provide this best-in-class technology for our members, making your benefits — and your business — work better.

ICUBA partners with Lockton Companies to ensure that the best, most competitive rates and partners are selected for our members.  As a trusted partner, Lockton keeps a close eye on the market to ensure all our coverages — including Medical, Prescription, Reinsurance, and all the voluntary benefits offered through ICUBA — remain competitive.  Lockton is also an advocate for all of ICUBA’s members and is proactively involved.  The support ICUBA receives from Lockton is instrumental in keeping our benefits of the highest quality and our premiums low.