Medical insurance

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

Preferred Provider Organization (PPO) 

You have two options, the NAU PPO through BCBSAZ or the State of Arizona PPO through Aetna, BCBSAZ or United Health Care. 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. For out of network services, members are responsible for any balance billing amounts.

Exclusive Provider Organization (EPO) 

State of Arizona offers the EPO through the following networks: Aetna, BCBSAZ CIGNA and United Health Care. To receive any benefit under an EPO you need to use the 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 & Health Savings Account (HSA) 

This option is a combination of two types of plans with the network through Aetna.

High Deductible Plan 
This plan has a high deductible which you will need to meet before most benefits are paid. The plan uses the Aetna Choice POS II network.  For out of network services, members are responsible for any balance billing amounts.
Health Savings Account 
Under this plan, pre-tax contributions are made by both you and NAU into an account from which you can pay for out-of-pocket expenses. 
  • Employer: NAU contributes $27.70 per pay period for employee only coverage and $55.39 for all other coverage levels.
  • Employee: You can also make contributions to the HSA up to the IRS annual maximum. Including the employer contribution, the individual contribution maximum is $3,450 and the family contribution maximum is $6,900.

Review medical provider networks

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

What if I need help selecting a medical plan?

Review Tips for choosing medical coverage  .

2018 Per Pay Period Medical Premiums

Preferred Provider (PPO)

Coverage Level     You PayNAU PaysTotal
NAU - PPO 

Employee Only

$36.23

$278.83

$315.06

Employee +  Adult

$100.57

$561.06

$661.62

Employee + Child

$76.62

$427.47

$504.10

Family

$172.87

$803.82

$976.69

State of Arizona  - PPO

Employee Only

$51.78

$290.58

$342.36

Employee +  Adult

$109.15

$614.42

$723.57

Employee + Child

$73.11

$411.15

$484.26

Family

$127.43

$716.81

$844.24


State of Arizona Exclusive Provider (EPO)

Coverage LevelYou PayNAU PaysTotal

Employee Only

$20.31

$285.88

$306.19

Employee +  Adult

$60.42

$587.38

$647.80

Employee + Child

$51.28

$381.54

$432.82

Family

$112.20

$643.54

$755.74


State of Arizona High Deductible Health Plan & Health Savings Account

Coverage Level     You PayNAU PaysTotal

Employee Only

$10.15

$193.38

$203.53

Employee +  Adult

$30.46

$400.77

$431.23

Employee + Child

$25.89

$262.00

$287.89

Family

$56.35

$446.50

$502.85


Employer Contribution: NAU contributes $27.70 for employee only and $55.39 for all other levels of coverage per pay period.  You may choose to also contribute to this accounts up to the annual maximum.
2017 Per Pay Period Medical Premiums

Preferred Provider (PPO)

Coverage LevelYou Pay
NAU PaysTotal
NAU - PPO 
Employee Only$36.23          $264.81          $295.83     
Employee + Adult  $87.96    $533.29      $621.24     
Employee +
Child
  $67.02    $406.32      $473.33     
Family      $153.59    $763.49      $917.08     
State of Arizona  - PPO
Employee
Only
$47.08     $290.58     $337.06     
Employee + Adult        $99.23       $614.42       $713.65  
Employee +
Child
$66.46     $411.15      $477.61    
Family

$115.85     $716.81     $832.66    

Exclusive Provider (EPO)

Coverage LevelYou Pay
NAU PaysTotal
State of Arizona  
Employee
Only
   $18.46   $285.88  $304.34
Employee + Adult   $54.92    $587.38 $642.30
Employee +
Child
$46.62$381.54$428.16
Family$102.00$643.54$745.54

High Deductible Health Plan & Health Savings Account

Coverage LevelYou Pay
NAU Pays      Total    
State of Arizona  
Employee
Only
 $9.23$193.38 $202.61
Employee + Adult        $27.69      $400.77        $428.46
Employee +
Child
$23.54$262.00$285.54
Family$51.23$446.46$497.69

Employer Contribution: NAU contributes $27.70 for employee only and $55.39 for all other levels of coverage per pay period.  You may choose to also contribute to this accounts up to the annual maximum.