UNF offers budgeted employees the opportunity to participate in a variety of voluntary insurance benefit programs:

Marketplace Notice: Please review the new Health Insurance Marketplace document for more information about employment-based health coverage offered by the state of Florida.

Health Insurance Plans

Health insurance coverage is available to all budgeted faculty, administrative and support staff employees and certain OPS employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in a health insurance plan. Plan changes are able to be made only during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your health insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed or faxed to (904) 620-2742 if an appointment is not needed.

UNF employees whose spouse also works for the State of Florida may qualify for health insurance coverage at a reduced cost. Refer to the spouse program page for more information.

UNF offers the following health insurance coverage:

Preferred Provider Organization | Health Maintenance Organization | Health Investor Health Plan

Preferred Provider Organization (PPO)

PPO coverage gives you flexibility in choosing both network and non-network providers. Deductibles and coinsurance out-of-pocket costs do apply for PPO coverage but are reduced for network providers. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myHealth web page.

Preferred Provider Organization (PPO) plan summary
Insurance Carrier:	FloridaBlue Phone: (800) 825-2583
Monthly Premiums:*	Employee Only Coverage: Employee Contribution: $50.00 UNF Contribution: $642.84 Total Contribution: $692.84 Family Coverage: Employee Contribution: $180.00 UNF Contribution: $1,379.60 Total Contribution: $1,559.60 Spouse Program Coverage (both spouses must be benefit-eligible State of Florida employees): Employee Contribution: $15.00 (per spouse) UNF Contribution: $1,529.60 Total Contribution: $1,529.60
Network Coverage:	Network:	Non-Network:
Annual Deductible:	Employee: $250 Family: $500	Employee: $750 Family: $1,500
Coverage:	United States	Worldwide
Co-Payments:	Primary Care: $15/visit Specialist: $25/visit Hospital: $250/admission, then 20% of network allowed amount for other covered services	Primary Care and Specialist: 40% of allowance, plus difference. Hospital: $500/admission then 40% of non-network allowed amount for other covered services
Prescriptions:	Generic: $7 Preferred brand: $30 Non-preferred brand: $50 (Mail order, 90-day-supply prescriptions also available.)	Pay in full and file a claim
Notes:

*Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

*The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

Health Maintenance Organization (HMO)

HMO coverage offers you benefits through network providers without deductible or coinsurance out-of-pocket costs. There are no benefits provided through non-network providers. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myHealth web page.

Health Maintenance Organization (HMO) plan summary
Insurance Carrier:	Aetna Phone: (877) 858-6507
Monthly Premiums:*	Employee Only Coverage: Employee Contribution: $50.00 UNF Contribution: $642.84 Total Contribution: $692.84 Family Coverage: Employee Contribution: $180.00 UNF Contribution: $1,379.60 Total Contribution: $1,559.60 Spouse Program Coverage (both spouses must be benefit-eligible State of Florida employees): Employee Contribution: $15.00 (per spouse) UNF Contribution: $1,529.60 Total Contribution: $1,559.60
Network Coverage:	Network:	Non-Network:
Annual Deductible:	None	No coverage for non-network**
Coverage:	Florida	No coverage for non-network**
Co-Payments:	Primary Care: $20/visit Specialist: $40/visit Hospital: $250/admission	No coverage for non-network**
Prescriptions:	Generic: $7 Preferred brand: $30 Non-preferred brand: $50 (Mail order, 90-day-supply prescriptions are available.)	No coverage for non-network**
Notes:	**Benefits will be given through a non-network provider in the event of a life or limb-threatening emergency. Referrals are not needed to access specialist services. An employee may self-refer to any physician, specialist or hospital in the network.

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

* The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

Health Investor Health Plan (HIHP)

HIHP coverage gives you either PPO or HMO coverage at a greatly reduced premium for the trade-off of an increased out-of-pocket cost. A summary of the plan can be found below. Complete plan details and and a plan comparison chart can be found on the myHealth web page:

Health Investor Health Plan (HIHP) plan summary
Type	PPO:		HMO:
Insurance Carriers:	FloridaBlue Phone: (800) 825-2583		Aetna Phone: (877) 858-6507
Monthly Premiums:*	Employee Only Coverage: Employee Contribution: $15.00 UNF Contribution: $642.84 Total Contribution: $657.84 Family Coverage: Employee Contribution: $64.30 UNF Contribution: $1,379.60 Total Contribution: $1,443.90 Spouse Program Coverage (both spouses must be benefit-eligible State of Florida employees): Employee Contribution: $15.00 (per spouse) UNF Contribution: $1,413.92 Total Contribution: $1,443.92
Network Type:	Network:	Non-Network:	Network Only:
Annual Out-of-Pocket Maximum:	Employee Only Coverage: $3,000 Family Coverage: $6,000	Employee Only Coverage: $7,500 Family Coverage: $15,000	Employee Only Coverage: $3,000 Family Coverage: $6,000
Annual Deductibles:	Employee Only Coverage: $1,250 Family Coverage: $2,500	Employee Only Coverage: $2,500 Family Coverage: $5,000	Employee Only Coverage: $1,250 Family Coverage: $2,500
Medical Care:	20% of network-allowed amount after annual deductible is met.	40% of non-network-allowed amount after annual deductible is met.	20% of the contracted rate after annual deductible is met.
Hospital Stay:	20% of network-allowed amount after annual deductible is met.	20% of non-network-allowed amount and $1,000 admission deductible after annual deductible is met.	20% of the contracted rate after annual deductible is met.
Prescriptions:	Generic: 30% Preferred Brand: 30% Non-Preferred Brand: 50%	Member pays in full and files a claim.	Generic: 30% Preferred Brand: 30% Non-Preferred Brand: 50%
Notes:	A Health Savings Account (HSA) is available for HIHP participants. A HSA is an account owned by the employee and contributions to the account can be used to pay for additional medical expenses. UNF will contribute $41.66 per month ($500 annually) for employee only coverage or $83.33 ($1,000 annually) for family coverage for full-time employees. The HSA earns interest and can be carried over from one year to the next. The HSA is also portable, meaning that the account is still owned by the employee after termination of employment.

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

* The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

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Life Insurance Plans

Life insurance coverage is available to all faculty, administrative and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in the life insurance plan. Plan changes are able to be made only during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your life insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.

UNF offers the following life insurance coverage:

Basic Life Insurance | Optional Life Insurance

Basic Life Insurance

Below is summary information about the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Basic life insurance plan details
Insurance Provider:	Minnesota Life Insurance Company Phone: (888) 826-2756
Monthly Premium:*	No cost for full-time employees.
Coverage Amount:	$25,000
Notes:	This insurance only covers the employee. An accidental death and dismembership benefit and accelerated death benefit are included. Death benefits are paid to beneficiaries designated by the employee. This life insurance is term coverage with no cash value.

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

* The employee contribution amounts are based on an active, full-time employee. Part-time employees contribution amounts will be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

Optional Life Insurance

Below is summary information about the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Optional life insurance plan details
Insurance Provider:	Minnesota Life Insurance Company Phone: (888) 826-2756
Monthly Premium:*	Based on a formula using the employee's annual salary and age. The employee is responsible for the entire premium.
Coverage Amount:	Optional coverage from one to seven times the employee's annual salary is available with a maximum limit of $1,000,000 of coverage.
Notes:	This insurance only covers the employee. An accidental death and dismembership benefit and accelerated death benefit are included. Death benefits are paid to beneficiaries designated by the employee. This life insurance is term coverage with no cash value. Medical underwriting may be required when electing optional life insurance. Underwriting is waived during an employee's first 60 days of employment, as well as during the open enrollment period under certain circumstances.

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

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Dental Insurance Plans

Dental insurance coverage is available to all faculty, administrative and support staff employees at the University of North Florida. There are several different dental insurance plans to choose from, and each plan has a different premium and different benefits. Employees have 60 calendar days from their date of hire to enroll in a dental insurance plan. Plan changes may only be made during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your dental insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.

UNF offers the following dental insurance plan types:

Indemnity | PPO | Prepaid

Indemnity Dental Plan

With the indemnity dental options, you may receive care from any dentist. You have a deductible to meet and then pay part of the cost for the services you receive. Below is a summary of the plans. For complete plan details and a link to the company web site, please visit the myHealth web page.

Plan Name:

Humana Schedule B

Phone: (866) 879-3630

Monthly Premiums:*

Employee Only: $14.74

Employee + Spouse: $21.96

Employee + Child(ren): $23.30

Employee + Spouse + Child(ren): $37.10

Annual Deductibles:

$50 per person, 3 per family

Annual Maximum:

$1,000 per person

Notes:

Receive care from any dentist
Annual deductible must be met before benefits are paid
Part of the cost of care must be paid

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

Indemnity with PPO Dental Plan

Plan Name:

Ameritas Indemnity with PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $37.96

Employee + Spouse: $70.40

Employee + Child(ren): $80.16

Employee + Spouse + Child(ren): $115.76

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$2,000 per person

Notes:

Receive care from any dentist
Annual deductible must be met before benefits are paid
Part of the cost of care must be paid

Plan Name:

MetLife Indemnity with PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $45.50

Employee + Spouse: $84.16

Employee + Child(ren): $94.04

Employee + Spouse + Child(ren): $136.52

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$2,000 per person

Notes:

Receive care from any dentist
Annual deductible must be met before benefits are paid
Part of the cost of care must be paid

Plan Name:

SunLife Freedom Advance
Phone: (800) 277-2300

Monthly Premiums:*

Employee Only: $41.48
Employee + Spouse: $79.63
Employee + Child(ren): $93.84

Network:

Non-Network:

Annual Deductibles:

$50 per person, 3 per family

Annual Maximum:

$1,1250 per person

$1,000 per person

Notes:

Receive care from any dentist
Cost is lower when using network dentists
Annual deductible must be met before benefits are paid
Percentage of the cost of care must be paid
Includes indemnity benfits

PPO Dental Plans

With the PPO Dental plan, you may choose to receive care from any dentist although your cost is lower when you use network dentists. You generally have an annual deductible to meet before the plan starts paying benefits and then you pay a percentage of the cost for the care you receive. The PPO covers adult and child orthodontia (excluding the Preventative PPO.) Below is a summary of the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Plan Name:

Ameritas Preventative PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $22.84

Employee + Spouse: $43.20

Employee + Child(ren): $46.24

Employee + Spouse + Child(ren): $67.76

Network:

Non-Network:

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Employee: $50:

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$1,000 per person

Notes:

Receive care from any dentist
Cost is lower when using network dentists
Annual deductible must be met before benefits are paid
Percentage of the cost of care must be paid

Plan Name:

Ameritas Standard PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $31.50

Employee + Spouse: $59.04

Employee + Child(ren): $66.08

Employee + Spouse + Child(ren): $96.22

Network:

Non-Network:

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$1,500 per person

Notes:

Receive care from any dentist
Cost is lower when using network dentists
Annual deductible must be met before benefits are paid
Percentage of the cost of care must be paid

Plan Name:

MetLife Preventative PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $21.98

Employee + Spouse: $40.64

Employee + Child(ren): $45.42

Employee + Spouse + Child(ren): $65.94

Network:

Non-Network:

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$1,000 per person

Notes:

Receive care from any dentist
Cost is lower when using network dentists
Annual deductible must be met before benefits are paid
Percentage of the cost of care must be paid

Plan Name:

MetLife Standard PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $32.08

Employee + Spouse: $59.34

Employee + Child(ren): $66.32

Employee + Spouse + Child(ren): $96.28

Network:

Non-Network:

Annual Deductibles:

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Employee: $50

Employee + Spouse or Employee + Child(ren): $100

Family: $150

Annual Maximum:

$1,500 per person

Notes:

Receive care from any dentist
Cost is lower when using network dentists
Annual deductible must be met before benefits are paid
Percentage of the cost of care must be paid

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

Prepaid Dental Plans

The prepaid dental plans pay benefits only when you use network providers. These plans do not have a deductible and cover most preventive care at no charge. You pay a specific dollar amount for other care you receive. All the pre-paid plans provide adult and child orthodontia. Below is summary information about the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Plan Name:

SunLife Prepaid

Phone: (800) 277-2300

Monthly Premiums:*

Employee Only: $14.93

Employee + Spouse: $25.17

Employee + Child(ren): $33.26

Employee + Spouse + Child(ren): $43.54

Annual Deductibles:

Annual Maximum:

Notes:

Pays benefits only when using network providers
No deductibles
Pay a specific dollar amount for care received
Orthodontia is covered for adults and children

Plan Name:

CIGNA Dental

Phone: (800) 244-6224

Monthly Premiums:*

Employee Only: $24.01

Employee + Spouse: $47.31

Employee + Child(ren): $56.41

Employee + Spouse + Child(ren): $72.06

Annual Deductibles:

Annual Maximum:

Notes:

Pays benefits only when using network providers
No deductibles
Pay a specific dollar amount for care received
Orthodontia is covered for adults and children

Plan Name:

Humana Select 15

Phone: (866) 879-3630

Monthly Premiums:*

Employee Only: $12.64

Employee + Spouse: $21.20

Employee + Child(ren): $23

Employee + Spouse + Child(ren): $32.98

Annual Deductibles:

Annual Maximum:

Notes:

Pays benefits only when using network providers
No deductibles
Pay a specific dollar amount for care received
Orthodontia is covered for adults and children

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

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Vision Insurance Plans

Vision insurance coverage is available to all faculty, administrative and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in a vision insurance plan. Plan changes are only able to be made during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your vision insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.

When you enroll, you can tap into an extensive national network of vision care providers once every 12 months for exams and lenses and once every 24 months for frames. You can also use out-of-network vision care providers and submit a claim to receive benefits up to a set allowance based on the type of service.

Below is a summary of the plans. For complete plan details and a link to the company web site, please visit the myHealth web page.

Vision Insurance Plan Summary
Insurance Carrier:	Humana Vision Care Phone: (800) 939-5369
Exam Plus Materials:
Monthly Premiums:	Employee Only: $6.96 Employee + Spouse: $13.74 Employee + Child(ren): $13.60 Employee + Spouse + Child(ren): $21.36
Frequency:	Eye Exams: Every 12 months Lenses: Every 12 months Frames: Every 24 months
Co-Payments:	Eye Exams: $10.00 Lenses: $10.00 Frames: $10.00
Notes:	Members receive a 10% discount off UCR charges at preferred LASIK provider locations and pay no more than $1,800 per eye for the Conventional LASIK procedure and $2,300 per eye for Custom LASIK.

* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.

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Flexible Spending Accounts

A Flexible Spending Account (FSA) allows an employee to pay for eligible out-of-pocket medical and/or dependent care expenses with tax-free dollars. At the time of hire or during each open enrollment period, the employee must elect an annual amount to contribute to the FSA account. The amount selected will be deducted from the employee's paychecks on a pre-tax basis throughout the year. When an eligible expense is incurred, a claim form and receipt documentation is submitted to the People First Service Center for reimbursement from the FSA account.

FSAs have a "use it or lose it" policy, which means the employee will forfeit any amounts unused and not reimbursed for services received during the Plan year. However, 2018 elections allow for a maximum $500 carryover of unused funds to the next calendar year.

Other considerations:

The employee must use any money contributed to a Medical Reimbursement Account or a Dependent Care Reimbursement Account on expenses incurred by the end of the plan year.
The employee must submit all claims by the deadline - April 15 - or the account balance will be forfeited.
The employee cannot change the Reimbursement Account contributions during the plan year unless a qualifying status change event occurs.
The minimum annual deduction amount for each Reimbursement Account is $60.

Flexible Spending Account Summary
Type	Medical Reimbursement Account (MRA):	Dependent Care Reimbursement Account (DCRA):	Limited Purpose Medical Reimbursement Account (LPMRA):
Enroll if you have:	Standard PPO or HMO* No medical coverage *Not available with HIHP HMO or HIHP PPO	Eligible day care expenses for an eligible child or qualifying relative	Any HIHP HMO or HIHP PPO* *Not available with Standard HMO or PPO
Contribution Limits:	$60 to $2,650 in pre tax dollars	$60 to $5,000 in pre tax dollars ($2,500 if you're married filing separate tax returns)	$60 to $2,650 in pre tax dollars
Use For:	Out-of-pocket medical, prescription, dental, vision and over-the-counter medication expenses not paid by insurance or reimbursed from any other source.	Care for a child, disabled spouse or qualifying relative who is dependent on you and needs care so that you (and your spouse if you're married) can work.	Out-of-pocket dental, vision and over-the-counter medication expenses not paid by insurance or reimbursed from any other source. Not available for medical expenses.

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Post-Tax Insurance Plans

Post-tax insurance plans are available to all faculty, administrative and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in post-tax insurance plans. Some insurance plans allow plan changes throughout the year while others only allow changes during an open enrollment period. To enroll or make changes to a post-tax insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.

Post Tax Insurance Plan Summary
Plan Summary:		Insurance Providers:
Long Term Disability:	Long-term disability replaces 60% of your income tax free to a maximum of $15,000 per month. Detailed information about this insurance can be found on the Gabor Website. NOTE: This plan will not cover any disability that results from a pre-existing condition in the first 12 months after the effective date of coverage.	The Gabor Agency Phone: (800) 330-6115
Long Term Care:	Long-term care insurance provides coverage to individuals who are unable to perform at least two activities of daily living or to someone who has severe cognitive impairment. This coverage may be used to cover expenses relating to care in a skilled nursing facility or home-based care.	The Gabor Agency Phone: (800) 330-6115
Level Term Life Insurance:	Level Term Life Insurance is the least expensive form of life insurance available. Underwritten by Symetra Life Insurance Company. This plan features easy payroll deduction, competitive pricing, predictable premiums, customized and portable coverage.	The Gabor Agency Phone: (800) 330-6115
Whole Life Insurance:	Whole Life Insurance with Mass Mutual offers three important guarantees: Guaranteed Death Benefit, Guaranteed Level Premium and Guaranteed Increase in cash value. This plan features easy payroll deduction, predictable premiums and portable coverage. Employees may apply for up to $250,000 in coverage. Spouses and children can also be insured.	The Gabor Agency Phone: (800) 330-6115
Legal Insurance:	Legal insurance provides assistance with adoptions, wills and trusts, real estate, administrative hearings, attorney office work and matrimonial matters, among other things.	U. S. Legal Services Phone: (800) 356-5297 Hyatt Legal Services Phone: (800) 821-6400

Supplemental Insurance Plans

Supplemental insurance coverage is available to all faculty, administrative and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in supplemental insurance plans. Plan changes are able to be made only during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to a supplemental insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.

Supplemental Insurance Plan Summary
Benefit Summary:		Insurance Providers:
Accident Insurance:	Help you pay the following types of expenses when injured during a covered accident: Expensive medical treatment for broken bones and dislocations, or physical therapy Crutches, wheelchairs or other medical aids you may need as a result of your accident Copayments and deductibles	Colonial Insurance Company Phone: (888) 899-4135
Cancer Insurance:	Depending on the plan you choose, supplemental benefits for: Cancer diagnosis and treatment, including certain screening tests Procedures and treatments you may require to care for your cancer	AFLAC (through Capital Insurance Agency) Phone: (800) 780-3100 Colonial Insurance Company Phone: (888) 899-4135
Disability Insurance:	Helps supplement your income during short-term disability.	Colonial Insurance Company Phone: (888) 899-4135
Hospitalization Insurance:	Deductible Room and board Special hospital facility charges Home health care Daily benefit for hospital confinement	Cigna through Capital Insurance Agency) Phone: (800) 780-3100 New Era (through State Securities) Phone: (800) 277-2300
Intensive Care Insurance:	Daily benefit for confinement in a hospital intensive care or a sub-acute intensive care unit.	AFLAC (through Capital Insurance Agency) Phone: (800) 780-3100 Colonial Insurance Company Phone: (888) 899-4135

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