2025 Monthly Cost Sheet

Once you begin your employment here at Nazareth, you will receive information from our Total Reward Specialist about how to enroll.

Please note: all dependents being added to any benefit plans through Nazareth are required to provide proof of dependency. For spouses, the required proof is a marriage certificate. For children, the required proof is a birth certificate or other legal documentation confirming dependency.

Please see our section on Domestic Partner for information on registering eligible domestic partners and dependents.

See Requesting Changes for more information.

To begin processing your qualifying event, go to HR@Hand.

Consider using the complimentary Benefit Resource Center (BRC). The BRC is specifically designed to act as a single point of contact for all health and welfare benefits questions and claim issues. The BRC is available Monday - Friday, 8 a.m. to 5 p.m.

By reaching out, you will be connected to a Personal Benefit Advocate who can: 

• Answer benefit plan policy questions

• Assist with eligibility and claim problems with carriers

• Provide claim appeals information and explain the process

• Explain allowable mid-year qualifying events

• Provide vendor plan contact information

Toll-Free Phone: 855-874-6699

Email: BRCEast@usi.com

Nazareth University recognizes the same- or opposite-sex domestic partners of its employees who meet eligibility requirements as spousal equivalents for certain benefits to the extent permitted by law.

The University will extend benefits to a same- or opposite-sex domestic partner of a full-time, benefit-eligible faculty or staff member, to the extent allowed by law, if they meet established eligibility requirements. Faculty and staff members and their domestic partner must certify their relationship by completing an Affidavit of Domestic Partnership.

Nazareth University offers one Hybrid and two HDHP medical insurance plans to choose from. All plans are administered by Excellus BC/BS of Rochester.

Benefits, out-of-pocket costs, and premiums vary by plan option and tier. Employees may elect coverage for themselves and eligible dependents. 

Important information about the Simply Blue 40-1000 plans only: 

• Any prescription (Rx) that is not generic will not be covered; if you need a non-generic drug, you will pay full price for that prescription and the cost that you pay will not count toward your annual out-of-pocket maximum.

• Rx Coverage is Non-creditable - The Rx plan in the SB 40-1000 plans are not expected to pay on average as much as the standard Medicare prescription drug coverage.  If you or a dependent spouse who are covered by this plan are turning 65 or are already 65 and older,  you will be will be assessed a penalty on your Medicare premium rate every month for every month of Medicare coverage you have.

Note: Both of the HDHP plans offered by Nazareth include 3-tier prescription drug plans and are considered "creditable" coverage. 

Details on the plan deductibles and out-of-pocket maximums: 

The SB 40-1000 plans have embedded deductibles/out-of-pocket maximums, meaning no individual on the family plan would need to meet more than the individual amount for the deductible/out-of-pocket maximum.

The HDHP’s utilize aggregate deductible/out-of-pocket maximums, meaning every family member’s claims are applying to the family deductible/out-of-pocket maximum, and individual deductible/out-of-pocket maximum do not apply.  

Both HDHP plans cap the amount any one member of the family can accumulate towards the family out-of-pocket maximum. See the plan summary for more information.

• HDHP 3500/7000
  
• HDHP 1800/3600
  
• SB 40-1000 w/ $7 generic Rx

Excellus participates with two vendors for pharmacy mail order:

• Wegmans Rx Home Delivery
• Express Scripts Home Delivery

Excellus Medical Customer Service: 800-499-1275

• Participating provider search (select SimplyBlue/SimplyBlue Plus)
• Excellus website
• Blue365 Benefits (for all Excellus members)
  
• Telemedicine - Guide to No-Cost Telemedicine
• Wellframe App

• Summary of Benefits & Coverage HDHP 3500/7000
  
• Summary of Benefits & Coverage HDHP 1800/3600
• Summary of Benefits & Coverage SB 40-1000

Benefits, co-pays, deductibles, and out-of-pocket costs vary by plan option and tier. Employees may elect coverage for themselves and eligible dependents. 

The University offers a vision insurance plan that includes routine eye exams and equipment (lenses, frames, contacts, etc.). Employees may elect coverage for themselves and eligible dependents. The plan is administered by EyeMed.

Choosing a plan: 

• EyeMed Summary of Benefits

Additional Information:

• Link to EyeMed Website

A Health Savings Account (HSA) is a special type of bank account designed to help employees to set aside pre-tax dollars to pay for out of pocket medical, dental and vision expenses. Employees can change how much they contribute throughout the year. Unused funds carry over from year to year and are portable.

Eligibility

• Must be enrolled in a qualified HDHP plan and can not be covered by any other non-HDHP plan
• Cannot be claimed as a dependent on another person’s tax return (except married filing jointly), or currently enrolled in Medicare A/B or Tricare
• If age 65 or older and:
• enrolled in Medicare A or B – not eligible to contribute
• declined Medicare A and B – can contribute
• Only funds that have been deposited can be used for expenses.
• Nazareth employees can elect to have pre-tax contributions made to a personal account with our HSA provider, Health Equity. Health Equity charges a $2.00/month admin fee that is automatically deducted from your account each month.
  
• Note: Employees can elect to have an HSA with any provider, but these contributions would be made post-tax and employees can take the tax benefit with their annual tax filing.

Annual Contribution Limits for 2025

• Single: $4,300
• Family: $8,500
• Catch-up contribution (for employees over age 55): additional $1,000 annually

Additional Information

Health Equity Customer Service: 877-774-2123

www.healthequity.com

• Health Equity HSA Brochure
• Health Equity HSA enrollment form
• Process to change HSA contribution mid-year

Health Care Account:

• Allows you set money aside each calendar year tax-free to use to pay for eligible, out-of-pocket health, dental, and vision expenses for yourself, your spouse, and your dependent children.
• Annually, you can set aside up to $3,300 (2025).
• Due to federal regulations, any unused funds remaining in your account at the end of the plan year will be forfeited.
• More information: Medical FSA-eligible expenses
• As part of the CARES Act, Medical FSA funds can be used to purchase over-the-counter medical supplies and medicines.

Dependent Care Account:

• This account allows employees to be reimbursed for expenses paid for the care of dependents so they can work. Eligible expenses include daycare centers, babysitters, caregivers, and after-school programs. This applies to children under age 13 or those of any age who are physically or mentally impaired.
• Annually, you can set aside as much as $5,000 each year if you are single or you are married and file a joint tax return. If you are married and file a separate tax return, you may set aside as much as $2,500 each year.
• Due to federal regulations, any unused funds remaining in your account at the end of the plan year will be forfeited.

Both the Health Care and Dependent Care FSA's are administered through Benefit Resource Inc (BRI) and there is a monthly fee for the administration of these accounts.  The College and the employee split the fee; the amount paid by the employee is $2.00/month and is taken out through payroll deductions.

Accessing your FSA online

Log onto BRiWeb to register. Use our Company Code (nazareth) and Member ID (your SSN) to sign up for the first time.

• Login to your BRiWeb account to review account information, make election changes, sign up for direct deposit, report a card as lost or stolen, and more.
• You can use the BRiMobile app to submit reimbursements, view your account balance(s), sign up for notifications, search for OTC items, and more.

Additional Information:

• BRI Welcome Letter for New Participants
• BRI FSA Claim form
• BRI's Customer Service: 800-473-9595
• Benefit Resource website

All eligible employees are covered under a group term life insurance policy of $25,000.

Eligible employees can also elect to purchase voluntary coverage in increments of $10,000 up to a maximum of $500,000, not to exceed 7x's your covered annual earnings. 

Premiums for this coverage are based on your elected coverage amount and a rate/1,000 based on your age.

Employees who elect voluntary coverage for themselves can also can purchase dependent life insurance for their dependent spouse/dependent child(ren).

Dependent Life Options:

Spouse Life Insurance: $5,000 or $10,000 policy

Child Life Insurance: $2,000 or $4,000 policy

Current faculty and staff: Sign in to your Nazareth Google account when prompted to view the documents below.

Additional Information: 

• NYLife Voluntary Life Insurance information sheet

Changing your beneficiary:

You can change your life insurance beneficiary at any time by logging onto HR@Hand. From the homepage, click on My Profile, then beneficiaries, to edit/add a primary beneficiary or edit/add a secondary beneficiary. 

This voluntary plan is designed to supplement your existing medical benefits if you (or a covered family member) are diagnosed with cancer. This includes a cash benefit upon the initial diagnosis of a covered cancer and a variety of other benefits payable throughout treatments. Employees may elect coverage for themselves and eligible dependents.

Coverage begins the first of the month following your date of hire or transfer to a benefit-eligible class and after your application has been approved by AFLAC.

Current faculty and staff: Sign in to your Nazareth Google account when prompted to view the documents below.

Additional information:

• Aflac - Plan Brochures, Rate Sheets, and Contact Information
• Nazareth University - Aflac Flyer with QR Code
• Know the Signs of Cancer

Long Term Disability (LTD):

• Long Term Disability is an insurance policy designed to provide an income replacement benefit in the event that an eligible employee cannot work because of a covered illness or injury. Benefits can begin after six months of continuous disability. 
• Full-time faculty or staff with one year of service working at least 32 hours per week and at least 32 weeks per year are eligible for LTD insurance. 
• The University provides a 50% LTD policy for all eligible employees at no cost to the employee.
  
• Eligible employees also have the option to pay the premiums for a “buy-up” policy to increase your coverage to 70%. Employees who elect this coverage are responsible for the premiums to increase coverage from 50% to 70%.
• LTD Plan Information

All full-time faculty and staff are insured under an the University's accidental death or dismemberment policy while on University-related travel.

Hartford Travel & Accident Policy - Full time employees

• The Employee Assistance Program (EAP) is a confidential assistance program to help address personal issues you and your family might be facing. 
• This service, staffed by experienced clinicians, is available by phone 24 hours a day, 7 days a week. Upon making a call, you or your family member will receive a professional assessment and when appropriate, will be referred to a local provider for in-person counseling and follow up. 
• EAP can also support you and your family by providing assistance with financial information, resources and tools as well as legal resources and consultation.
• Employees, their spouse, dependent children and others permanently residing in their household are eligible for this plan.  
• The University's EAP vendor is Telus Health and resources are available 24 hours/day, 7 days/week:
• Phone: 800-433-7916
• TDD: 800-772-0997
• Online: https://one.telushealth.com