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Our Vision is to provide better access to care so members engage in ICUBA benefits which lead to improved population health and wellbeing outcomes.

ICUBA's Services


ICUBA offers a Preferred PPO Plan that allows employer schools to offer an HRA (Health Reimbursement Account) to its employees so the employer's benefits budget is not consumed solely in premium.  Member schools also have the flexibility to select benefits to fit their own institutional objectives.


ICUBA has no deductibles for ambulatory care or prescription drugs and offers a 90 day at retail pharmacy drug program along with a 90 day at mail program which allows members to save time and money.  ICUBA pays 100% of Preventive Services and all visits to Total Care (PCP, internist and pediatrics) and Embold preferred providers are always free to our members.

FREE ICUBAcares In-Network Benefits - All of the following benefits are FREE to our members:

Medically necessary Preventive Services are covered at a 100% with BCBS of Florida:

  • Electrocardiograms

  • Echocardiograms

  • Mammograms

  • Colonoscopies

  • Sigmoidoscopies

  • Immunizations

  • Allergy Injections

  • Bone Mineral

  • Density Tests

  • Ultrasounds of the Breast

  • Primary Care BDTC Visits

  • Embold Provider Visits

 Services Provided by ICUBA include:

  • PPO Open-Access Medical Plan with Worldwide coverage

  • Consumer Directed Health Plan with Health Reimbursement Accounts offered with a MasterCard®

  • Flexibility to select benefits to fit employer objectives

  • Low cost physician and therapy visits

  • Low cost copays and easy access to pharmacy benefits

  • Retiree coverage for Pre and Post Medicare retirees

  • Optical, dental, life, and disability benefits

  • Supportive wellness culture with FREE health fairs and incentives for health behavior choices

  • Free diabetic supplies

  • All In-Network preventive services are free

  • Autism benefits

  • Free Employee Assistance Program to ALL employees and members of his/her household 

  • Best in class enrollment, billing, internet, call centers, COBRA, compliance and retiree services

  • A predictive modeling tool that helps employees make plan and reimbursement account decisions

  • Ongoing member education and communication

Learn more about our Medical Plans
Freedom of Choice!
Preferred PPO Plan and SBC
High Deductible PPO Plan and SBC
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