Medical insurance

Understanding Your Options

You have the option of three types of medical plans and five networks offered through Northern Arizona University and the State of Arizona.

Plans

Plan are the structure of your coverage: the premiums, deductibles, copays and in/out of network coverage.  

Type of Medical PlanDescription

Preferred Provider Organization (PPO)

  • In a PPO, you receive the greatest benefit when you use providers included in the Plan's 'Preferred' network.
  • You may use providers not in the Plan's 'Preferred' network, but your out of pocket expenses will be greater.

Exclusive Provider Organization (EPO)

  • To receive any benefit under an EPO you must use providers included in the Plan's 'Exclusive' provider network.
  • Services received from providers not in the Plan's ‘Exclusive’ network are not covered. 

High Deductible Health Plan (HDHP)  & Health Savings Account (HSA) 

This option has two pieces:

  • HDHP - This plan has a high deductible, which is the amount you pay out of pocket before you receive any benefit.
  • HSA - Pre-tax contributions are made by both you & the university into an account from which you can pay for out-of-pocket expenses

 

Networks

Networks describe the company that provides access to a group of providers (doctors, hospitals, etc) under a plan.  

 

Sponsored by

 

Network

Plans

PPO

EPO

HSA

Northern Arizona University

BCBSAZ

X

 

 

State of Arizona

Aetna

X

X

X

BCBSAZ Ameriben

X

X

 

CIGNA

 

X

 

United Health Care

X

X

 

 An important step in choosing a medical plan is to go to the vendor's website and review the providers included the network to make sure that they meet your needs.   

Employee Premiums

Both you and the university contribute to the cost of your medical coverage 

Per pay period employee medical contribution amounts

2014 Employee Premiums

NAU Sponsored Medical Plans 

Plan 

Coverage Level

You Pay

NAU Pays

Total

 

PPO


 
 
Employee Only$18.46$250.22$268.68
Employee + 1$50.77$486.60$537.37
Family$99.23$653.08$752.31

State of Arizona Sponsored Medical Plans

PlanCoverage LevelYou PayNAU PaysTotal
 

PPO


 
 

Employee Only$71.54$342.00$413.54
Employee + Adult$ 161.54$695.08$856.62
Employee + Child$99.23$667.82$820.62
Family$224.31$890.31$1,114.62

EPO


 
 
 
Employee Only$18.46$253.85$272.31
Employee + Adult$54.92$522.92$577.84
Employee + Child$46.62$497.54$544.16
Family$102.00$648.00$750.46