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.
Plan are the structure of your coverage: the premiums, deductibles, copays and in/out of network coverage.
|Type of Medical Plan||Description|
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 describe the company that provides access to a group of providers (doctors, hospitals, etc) under a plan.
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.
Both you and the university contribute to the cost of your medical coverage
Per Pay Period contribution amounts
University Sponsored Medical Plans
|Plan Type||Coverage Level||You Pay||NAU Pays||Total|
|Employee + 1||$50.77||$486.60||$537.37|
State of Arizona Sponsored Medical Plans
|Plan||Coverage Level||You Pay||NAU Pays||Total|
|Employee + Adult||$ 161.54||$695.08||$856.62|
|Employee + Child||$99.23||$667.82||$820.62|
|Employee + Adult||$54.92||$522.92||$577.84|
|Employee + Children||$46.62||$497.54||$544.16|