In-network pharmacy
You can find an in-network pharmacy by signing in to My Health Toolkit at https://member.myhealthtoolkitfl.com and clicking on the "My Plan and Benefits" link in the navigation ribbon. Next, click on "Pharmacy", then click on "Pharmacy Benefits" for single sign-on to Optum where you can search for in-network retail and independent pharmacies. There are thousands of retail pharmacies in-network, like CVS, Walgreens, Publix, and many more.
Surprise billing
If an emergency episode arises that requires you use an out-of-network emergency room, emergency services at out-of-network hospitals as if they were in-network for cost-sharing. This applies from the time you arrive in the ER until you’re stabilized. The hospital cannot balance bill you for the emergency portion (they can only bill you your plan’s in-network cost-sharing amount).
If you are admitted as part of the same emergency episode, the protection continues until you’re stable enough to transfer. Once you are stabilized, your plan requires you to transfer to an in-network facility to keep paying at in-network rates.
Life Insurance
ICUBA partners with Symetra to provide comprehensive life and disability benefits. Some member schools use a different carrier for their life and disability insurance, if you are unsure who provides your life and disability insurance contact your Human Resources or Benefits Department. ICUBA’s group life insurance policy includes conversion and portability provisions after your separation from service. Exercising one of these options can help you avoid a future gap in your life insurance coverage. Portability allows you to continue your existing group coverage for a limited period or until you are eligible under a new group plan. Coverage offers a lower-cost option than converting it to a permanent policy. Portability may be available for your spouse and dependents if they are covered under your current group plan. Conversion allows you to easily convert your Symetra Group Life Insurance Policy to an individual life insurance policy offered through HRMP and insured by Gerber Life Insurance Company. You can also convert any eligible spouse and dependent coverage. Converting your Symetra Group Life Insurance policy lets you maintain your current level of life insurance coverage without having to answer additional health questions or go through any type of medical exam.
You will need to contact your employer's Human Resources or Benefits department for to get started with applying for conversion or portability and obtain your group policy number. Applications for portability or conversion must be completed within 31 days of the date your group coverage ends.
Other benefits
ICUBA partners with Aflac to provide voluntary group benefit plans that include Critical Illness, Hospital Indemnity and Accident insurance. These group benefits provide members with richer plans at more affordable premiums. They also provide members with benefits that will help them with offset deductibles, out of pocket maximums and expenses not covered by health insurance.
Aflac accident insurance plans are designed to provide you with cash benefits (unless otherwise assigned) to help throughout the various stages of care. You can use these benefits to help with everyday living expenses, like your rent or mortgage, utility bills, groceries and more. Some benefits include Emergency Room Treatment and Hospital Admission, Hospital Intensive Care, Ambulance transportation, and an annual Wellness Benefit. To file a claim online visit www.AflacGroupInsurance.com then select Customer Service, then select File a Claim. Aflac accident insurance includes a $50 annual wellness benefit.
Every employee is eligible to enroll in the Critical Illness plan regardless of health. All illnesses covered in the policy will be covered if the diagnosis date is after the policy effective date. Aflac critical illness insurance plans are designed to provide you with cash benefits for illnesses such as; Cancer, Heart attack or stroke, Major organ transplant, and End-stage renal failure, and more.
If you are confined to the hospital, major medical insurance will help with many medical expenses, but you could be left with out-of-pocket expenses. You could also lose pay while you are out of work. And you can be sure that the bills will keep coming. Aflac is here to help. Aflac is designed to help families plan for the health care bumps ahead and take some of the uncertainty and financial insecurity out of getting better. Two plan options are available - High and Low. Each plan provides the following benefits: Hospital Confinement Benefit, Hospital Admission Benefit, Hospital Intensive Care Benefit. Aflac hospital indemnity insurance includes a $50 annual wellness benefit.
LegalShield provides affordable, on-demand access to attorneys for a wide range of personal and professional legal matters. When combined with IDShield, you’ll have access to identity protection and full-service restoration services. Hiring an attorney directly can be expensive. If you anticipate needing legal help for issues like wills, contracts, HOA disputes, or small business matters, LegalShield can provide cost-effective access to attorneys with a fixed monthly premium. If you have a large digital presence, IDShield adds a layer of security and protection to keep your identity safe. If your identity is compromised, you’ll have access to full-service restoration backed by LegalShield’s guarantee.
When you elect Legal Shield or ID Shield, you will receive a registration letter with your account number. You’ll need your account to register for access online at https://classic.shieldatwork.com If you do not have your account number, contact your Human Resources or Benefits Department for assistance.
ICUBA partners with CHUBB to provide a lifetime life insurance benefit with a long-term care rider to our members. This unique benefit provides life insurance with the option of accessing 4% of the death benefits per month for up to 25 years to pay for long term care and includes a restoration provision if the benefit is depleted. Premiums are set at the time of election and are guaranteed to age 100. The CHUBB benefit is not payroll deducted through your employer – this bill is direct billed to you and requires ACH for premium payment.
The CHUBB Lifetime Benefit with Long Term Care plan includes permanent Life Insurance and Long-Term Care in one benefit. You have the flexibility to use the benefit in the way that best meets your needs! If you need Long Term Care, you can access your death benefit while you are living to pay for home health care, assisted living, adult daycare, and nursing home care. You can access 4% of your death benefit per month for up to 25 years to pay for LTC. Your premiums are waived if the benefit is paid for your Long-Term Care. Premiums never increase and are guaranteed to age 100. No premium is due after age 100 and benefits can continue until age 121! Coverage is guaranteed up to $100,000 without answering medical questions.
ALL EMPLOYEES of an ICUBA member school are eligible for preferred Pet Insurance pricing through Nationwide. Employees have the option to choose, on a direct bill basis with Nationwide, the level of coverage that fits their needs ranging from 50%-90% reimbursement on vet bills and more.*Save with preferred pricing, Use any veterinarian, Get cashback on vet bills, and Get a fast, no-obligation quote at https://partnersolutions.nationwide.com/pet/icuba.
For exotic pets or avian coverage, please call (877) 738-7874. *Some exclusions may apply. Certain coverage may be subject to pre-existing exclusion.
To learn more about these benefits, visit the “Documents” page on the iHUB at https://www.icubabenefits.info/documents
Virta Programs
Effective October 1, 2025, GLP-1 medications used for weight loss will no longer be covered under the ICUBA medical and pharmacy benefit plans. This change applies to members using GLP-1 medications (such as Wegovy, Saxenda, and others) for weight management. The last date to receive medication under the Responsible Prescribing Program from Virta and Optum Rx will be September 30, 2025.
If you have questions about this change or would like to learn about potential ways to save on continued GLP-1 utilization for weight loss that is not covered under your insurance, please contact an ICUBAcares Pharmacist advocate at (877) 286-3967. Savings programs that may be shared by ICUBAcares are external programs, typically administered by the manufacturer, and are not administered by ICUBA, ICUBAcares, or OptumRx.
This change does not apply to members prescribed GLP-1 medications, such as Ozempic, Mounjaro, Trulicity, and others that are used to treat Type 2 diabetes.
This decision was made by ICUBA's Board of Directors (representatives of ICUBA member schools) after careful evaluation of clinical guidelines, cost-effectiveness, and the long-term sustainability of benefits for all ICUBA members.
Even though GLP-1's will no longer be covered by ICUBA, you can still use your Health Reimbursement Account (HRA) or Healthcare Flexible Spending Account (HCFSA) funds to pay for continued use of the medication.
Benefit Provider Contacts
BCBS Customer Service: (855) 258-9029 Website: https://member.myhealthtoolkitfl.com
BCBS Prescription Customer Service: (855) 811-2218 Website: https://member.myhealthtoolkitfl.com
BCBS 24/7 Essential Advocate: (888) 521-2583
ICUBACares Customer Service (877) 286-3967 Website: https://www.icubacares.org
Teldaoc Customer Service: (800) 835-2362
Lantern Surgery Care Customer Service: (855) 200-2119 Website: https://my.lanterncare.com
Hinge Health Customer Service: (855) 902-2777 Email: hello@hingehealth.com Website: https://www.hingehealth.com/for/icuba
Ameriflex Customer Service: (888) 868-3539 Email: service@myameriflex.com Website: https://myameriflex.crunch.help/en/participants
Dental Delta Dental PPO Customer Service: (800) 521-2651 Website: https://www1.deltadentalins.com/members.html
Delta Dental HMO Customer Service: (800) 422-4234 Website: https://www1.deltadentalins.com/members.html
Eyemed Customer Service: (866) 800-5457 Network: Insight Website: https://www.eyemed.com/en-us/member
Employee Assistance Program Customer Service: (877) 398-5816, Option 1 Website: https://www.resourcesforliving.com/login
Florida AHEC Network for Smoking Cessation
Email: tobacco@ahec.ufl.edu Phone: (877) 848-6696 Web: https://ahectobacco.com/
Resources for Living EAP
The Resources for Living Employee Assistance Program (EAP) benefit is available to all employees at no cost, even if they are not enrolled in an ICUBA medical plan. All members of your household can also use the EAP, including children up to age 26 whether they live at home or not. The EAP provides help when you need it for issues including finding elder care resources, assistance with the activities of daily living, smoking cessation, legal and financial questions, and many more. Benefits include up to 8 free counseling sessions, per issue, per year for you and every member of your household. For assistance call (877) 398-5816 and select Option 1 after the prompt.
Visit Resources for Living to access Talkspace online therapy sessions. To learn more visit https://www.resourcesforliving.com and login in with the general information username and password for ICUBA members. Next, click on the Services tab, then select the Talkspace online therapy link. You can visit the general resource page for ICUBA members online at https://www.resourcesforliving.com The page is password protected for ICUBA members, the username is “ICUBA”, and the password is 8773985816. Please note, while the page is password protected, it does not contain any protected health information for you or any of your family members - the page is informational only.
Since Talkspace is non-standard benefit feature of the EAP, it is best to complete registration online at https://redemption.talkspace.com/redemption/rfl prior to downloading the Talkspace app. In the event you are already a Talkspace app user, navigate to the "Check my coverage" widget through your account settings and enter your organization name. You can always email RFL-support@talkspace.com to get help, share feedback, or voice a complaint.
Additional resources for smoking cessation are available through Florida AHEC Network at https://ahectobacco.com. If you are interested in resources to help quit smoking, submit the Florida AHEC Network contact form at https://ahectobacco.com/contactus/ or email tobacco@ahec.ufl.edu. You can also give them a call at (877) 848-6696.
ICUBA Customer Service
ICUBA is a collaborative benefits association serving member educational institutions and does not have customer service representatives or agents available for employee questions. If you are a current employee of one of ICUBA's member schools, you should reach out to your employer's Human Resources or Benefits Department, as they manage benefit enrollment and support.
Deductible and Out-of-pocket Maximum
The in-network deductibles for ICUBA’s medical plans are embedded, which means each family member has their own individual deductible ($3,000 in the Preferred Plan & $4,500 in the High-Deductible Plan).
Each family also has a combined family deductible ($6,000 in the Preferred Plan & $9,000 in the High-Deductible Plan). Once any combination of family members reaches the combined total, the family deductible is met and everyone on the plan moves to coinsurance (where the plan starts sharing costs).
There is a separate deductible and out-of-pocket maximum for out-of-network services, refer to your Summary of Benefits and Coverage for more information. Deductible and Out-of-Pocket maximums reset each year on April 1st.
Example 1: A family of four are enrolled in the Preferred PPO Plan. Two family members each meet their individual deductible ($3,000 each). Together, that's $6,000 and the family deductible is met.
Example 2: A family of five are enrolled in the Preferred PPO plan. One family member meets their full deductible ($3,000). Another meets $2,000, and a third meets $1,000. That’s $6,000 total and the family deductible is met, even though only one person reached the $3,000 individual amount.
Example 3: A single parent is expecting a baby in the Preferred PPO plan. The parent meets the individual deductible of $3,000 before the baby is born. Once the baby is born and added to the plan, the baby will have an individual deductible of $3,000 beginning on the baby’s date of birth, and the family deductible of $6,000 will apply. Services the baby receives as a new plan member will begin to accrue toward their individual deductible until the $6,000 family deductible has been met.
Example 4: Parent A and Parent B are expecting a baby in the Preferred PPO plan. Parent A meets the individual deductible of $3,000 before the baby is born. Parent B meets $1,000 before the baby is born for a total of $4,000. Once the baby is born and added to the plan, the baby will have an individual deductible of $3,000 beginning on the baby’s date of birth. Services the baby receives as a new plan member will begin to accrue toward their individual deductible until the $6,000 family deductible has been met. Since Parent A already satisfied the individual deductible, the remaining $2,000 of the family deductible will be shared by Parent B and the new baby.
Cancer Care Journey Guide
The Be Well Beat It guide is available free for ICUBA members who have been diagnosed with cancer or have a family member with a cancer diagnosis. To register and receive a free copy of the Be Well Beat It planner use the link https://www.nextpagewellness.com/pages/icuba
Enter "icuba" as the passcode. The passcode is case sensitive and must be entered in lowercase letters.
Retiree coverage
ICUBA offers medical, dental, and vision coverage to eligible retirees, but you must actively enroll to receive benefits. Retiree coverage includes the same medical plans available to active employees and COBRA participants. If you're eligible for both COBRA and retiree benefits at the same time, you’ll receive separate notices from Ameriflex—be sure to read both carefully, as your response is required to activate coverage. Retirees pay the full premium cost unless their employer provides a subsidy. However, unlike COBRA, retirees are not charged the additional 2% administrative fee. Eligibility for retiree benefits is determined by your employer’s plan rules, so it's important to review your plan documents or contact your HR or Benefits department. All retirees must complete the ICUBA Retiree Opt-In Form at https://tinyurl.com/icubaopt-in. Once you submit your opt-in form it will be sent to your school's HR or Benefits team to review eligibility. Once your school confirms eligibility, you will receive an email verification that your opt-in form was received.
If you’re retiring or separating from employment, notify your employer promptly and make sure your mailing address is current so Ameriflex can send timely notices. ICUBA’s retiree plans are administered by Ameriflex through their COBRA department. For assistance, call (888) 868-3539 and select the COBRA option, visit https://cobra.myameriflex.com, or email service@myameriflex.com. If you retire before age 65, you can enroll in an ICUBA medical plan through BlueCross BlueShield until you become Medicare-eligible. Dental and vision coverage are available at any age. Retirees aged 65 or older will be offered the ICUBA Medicare Supplement Plan through Amwins, which includes enhanced Medicare Part D prescription drug coverage at no additional cost. For help understanding Medicare, contact Amwins at (888) 883-3757 or visit www.floridashine.org for free counseling.
If you elect COBRA or retiree coverage and become eligible for Medicare Part B, you must enroll within eight months of losing active coverage to avoid late enrollment penalties. Please note that COBRA and retiree coverage do not count as creditable coverage for delaying Part B. If your spouse loses their own employer coverage and was not initially enrolled, they may request special enrollment within 30 days by providing written notice and proof of the coverage loss. Premiums vary by age, plan, and number of dependents. Pre-65 medical, dental, and vision premiums are paid to Ameriflex, while the Medicare supplement premium is paid directly to Amwins. For more information, visit https://www.icubabenefits.info/icuba-retirees.
Annual Enrollment
Annual Enrollment, commonly referred to as Open Enrollment is the once-a-year period when you can review your benefits and make changes to your medical, dental, vision, and other coverage options for the upcoming plan year. It’s your opportunity to add or drop coverage, update dependents, and select new benefits based on your needs. ICUBA's annual enrollment for the 2026-2025 benefit plan year begins Monday, February 2, 2025 and ends Friday, February 13, 2025. Contact your Human Resources or Benefits Department for the specific enrollment process at your school.
COBRA
If you lose your ICUBA group health coverage due to termination or retirement, you may be eligible to continue your existing benefits through COBRA. COBRA allows you to extend your medical, dental, vision, FSA, and HRA coverage, but you are responsible for paying the full premium plus a 2% administrative fee, with no financial contribution from your employer. Before electing COBRA, it’s important to explore other options that may better meet your needs, such as enrolling in a spouse’s employer-sponsored plan or obtaining coverage through the Health Insurance Marketplace at www.healthcare.gov, which may offer more affordable or comprehensive alternatives.
After your employer reports your separation to ICUBA, Ameriflex will mail a COBRA election packet to the address on file. You have 60 days to elect coverage and an additional 45 days to submit your first payment. While COBRA coverage is retroactive to your eligibility date, it is not seamless - you may temporarily lose access to care until payment is received and processed. Once your premium is paid, coverage is reported to the insurance carrier within one business day, though it may take up to 10 business days for the carrier to reflect your active status. If you need care during this period, you may need to pay out of pocket and request reimbursement later. COBRA does not apply to voluntary benefits such as Aflac, life, or disability insurance, though you may be eligible to continue some of those benefits through portability provisions. ICUBA COBRA and retiree plans are administered by Ameriflex; for assistance, visit cobra.myameriflex.com, call (888) 868-3539, or email service@myameriflex.com.
If you are already enrolled in Medicare Part B and become eligible for COBRA, your COBRA plan will serve as secondary coverage. However, if you become eligible for Medicare Part B after electing COBRA, you must enroll in Medicare, and your COBRA coverage will end. Whether you are retiring or separating, notify your employer right away and ensure they have your correct mailing address on file. If you are retiring, you must also complete the ICUBA Retiree Opt-In Form at https://tinyurl.com/icubaopt-in. Watch closely for COBRA and retiree coverage notices - your prompt action is required to maintain or activate coverage.
Accident Questionnaire
An accident questionnaire is a series of questions designed to gather information about an incident, such as a car crash or workplace accident. It helps to understand the circumstances, causes, and consequences of the event. These questionnaires are used by various parties, including insurance companies, lawyers, and accident investigators, to assess the situation and determine liability or appropriate actions. If you received an accident questionnaire from BCBS and
Benefits Guides
This is the link for the Palm Beach Atlantic University (PBA) employee benefits guide https://tinyurl.com/pba25-26
This is the link for the Bolles School employee benefits guide https://tinyurl.com/bolles25-26
This is the link for the Beacon College employee benefits guide https://tinyurl.com/beacon25-26
This is the link for the Beacon College employee benefits guide https://tinyurl.com/beacon25-26
This is the link for the Beacon College employee benefits guide https://tinyurl.com/beacon25-26
This is the link to the Benefits Guide for the University of Tampa (UT) employees https://tinyurl.com/utampa25-26
This link is for the Nova Southeastern University Benefits Guide, https://tinyurl.com/nsu25-26
This link is for the Nova Southeastern University Benefits Guide, https://tinyurl.com/nsu25-26
This link is for the Barry University Benefits Guide, https://tinyurl.com/barry25-26
Domestic Partner Coverage
Some member schools do not permit the enrollment of domestic partners in ICUBA’s health and welfare plans. If you are unsure if your school permits domestic partner enrollment, contact your Human Resources or Benefits Department.
If your school does permit domestic partner enrollment, you will probably need to provide proof of a civil union or a registered domestic partnership in your municipality and complete other documentation required by your HR or Benefits Department. is required to qualify an employee’s domestic partner as eligible for coverage.
Please note, domestic partner premiums are deducted from your paycheck post-tax and subject to imputed income calculations through payroll.
People Eligible for Benefits Under your Plan
As an eligible member for medical insurance at an ICUBA school, you may cover your legal spouse or domestic partner (if permitted at your school), and eligible dependent children. Eligible dependent children include natural children, legally adopted or foster children, stepchildren, children required to be covered under a Qualified Medical Child Support Order (QMCSO), or any child for whom you have court appointed (legal) guardianship of. Dependent children can stay covered under your ICUBA medical insurance through the end of the year in which they turn 26. Your parents, grandparents, grandchildren, nieces, nephews, and siblings are not eligible dependents.
In some cases, adult disabled children may remain covered under your insurance beyond age 26. ICUBA defines an adult disabled child as an eligible child who is unable to provide self-support due to a mental or physical disability. The adult disabled child must also be unmarried, depend mainly on you for support, and be claimed as your dependent for income tax purposes. If your adult disabled child is not claimed as dependent for income tax purposes, they must be eligible for Social Security income or Supplemental Security Income (SSI) as a disabled person or is working in supported employment which may offset the Social Security or SSI. To be covered you must submit the Affidavit of Disabled Dependent Child Eligibility form within 31 days of the date your dependent child would lose coverage under your ICUBA coverage. If your adult disabled child is not covered when they turn 26, generally they may not join the plan later. ICUBA may, at its discretion, request additional documentation or the periodic validation of the status of an adult disabled dependent child.
Making and Changing Benefit Elections
There are two main times employees can elect health coverage: When employees are first hired, they are eligible for coverage during their initial enrollment period, and every year in February, during annual enrollment for the upcoming plan year. There are also some special enrollment scenarios where employees can make changes to their benefits outside of your regular enrollment periods, these scenarios are qualifying life events. For qualifying life events, you must present proof of the life event within 30 days (except for when gaining or losing Medicare and Medicaid which allow 60 days). Change requests and documentation must be submitted to your employee file in the ICUBA Benefits Portal at http://icubabenefits.org or through the method approved by your Human Resources or Benefits Department. Barry University (Barry), The University of Tampa (UT), and Florida Institute of Technology (FIT) do not use the ICUBA benefits portal for enrollment – all changes and documentation for Barry, UT, and FIT are added to Workday.
A change in marital status includes marriage, death of a spouse, divorce, or annulment (legal separation is not recognized in all states) is a qualifying life event.
A change in number of dependents includes the following: birth, adoption, and placement for adoption is a qualifying life event. Note, the tag-a-long rule allows you to add existing dependents who are not previously enrolled whenever a dependent gains eligibility because of a valid change in status.
A change in employment status of the employee, their spouse, or their dependent which affects the individual’s eligibility under an employer’s plan including commencement or termination of employment is a qualifying life event.
If a judgement, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child.
If the order requires that another individual (including your spouse and former spouse) cover the dependent child and provides coverage under that individual’s plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.
Eligibility for government programs that provide healthcare coverage like the gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
The death of an employee or covered dependent is a qualifying life event.
Losing eligibility for coverage in the individual market (like coverage bought through an Exchange) is a qualifying life event.
Keep in mind, qualifying life events do not include losing coverage due to not paying premiums on time or getting terminated for a specific reason, like making a fraudulent claim. Qualifying Life Events changes also do not include the ability to make elections if you drop COBRA coverage before it is exhausted. The deadline to request changes and provide documentation is 30 days after an event that would allow you to make changes to your coverage. ICUBA allows an enrollment period of 60 days from the date of the event to request enrollment after a loss of eligibility for Medicaid, Medicare, or CHIP coverage.
EyeMed Vision Insurance
ICUBA partners with EyeMed to provide two voluntary vision plans. Both vision plans offer an in-network routine eye exam for a low $5 copay with lenses or contact lenses every 12 months. The difference between the two plans is the frame frequency and allowance.
The Base Plan allows frames once every 24 months with a $130 allowance and the Buy-up Plan allows frames every 12 months with a $160 allowance. You can contact EyeMed by calling (866) 800-5457 or visiting their webpage at https://www.eyemed.com/en-us or by using the ICUBA Benefits Portal at http://icubabenefits.org.
Instantly apply your in-network benefits at checkout, with free shipping, free returns, and no paperwork at these participating providers: https://www.lenscrafters.com/, https://www.targetoptical.cohttps://www.contactsdirect.com/m/, https://www.ray-ban.com/usa, https://www.glasses.com/, https://www.contactsdirect.com/.
At participating in-network providers, members get 40% off an extra pair of eyeglasses or 20% off a partial pair (lenses only or frames only). You also get 20% off non-prescription sunglasses and accessories, and discounts on LASIK laser vision correction. Call (800) 988-4221 to find a LASIK location near you.
Medical conditions of the eye are covered under medical insurance. Vision insurance is for prescription glasses and contact lenses, not for medical treatment of conditions like glaucoma or cataracts. To find more information about your vision benefits, sign in to the ICUBA Benefits Portal and click on the EyeMed link under the My Carrier Accounts section.
The Provider Locator in the ICUBA Benefits Portal online at http://icubabenefits.org/, on Member Web, and in the EyeMed Members App have thousands of in-network eye doctors to choose from. Filter your search to find ones near you with the brands, hours, and services you most want. You can always search for providers by signing in to the ICUBA Benefits Portal and clicking on the EyeMed link under the My Carrier Accounts section.
If you lose your card or need extras for your family, use the ICUBA Benefits Portal online at http://icubabenefits.org/ or log into https://www.eyemed.com/en-us to print a replacement, or use your digital ID on the app. Here is a tip: you do not even need the card when you visit your eye doctor, most providers can look up your benefits using your Social Security Number.
To learn more about these benefits, visit the “Documents” page on the iHUB at https://www.icubabenefits.info/documents.
Medical and Behavioral Health Provider Directory
You can search ICUBA's provider directory for medical and behavioral health provider through My Health Toolkit at https://member.myhealthtoolkitfl.com or by using the Embold Health provider guide online at https://icuba.emboldhealth.com/login. You can also use the ICUBA Benefits Portal at http://icubabenefits.org and access your BlueCross BlueShield account under the "My Carrier Accounts" section of the landing page. Once you are in My Health Toolkit, click on the "Find a Doctor" link and follow the prompts to enter your 3-digit alpha prefix (for ICUBA members this is ICI). Click continue and search for a provider.
Delta Dental Insurance
ICUBA's dental coverage is offered through Delta Dental. Members can choose from three different dental plans that best fit their needs. Delta Dental offers a Dental Health Maintenance Organization (DHMO) through the Dental Care USA Network and Delta Dental Network and Delta Preferred Provider Organization (PPO) plans. You can contact Delta Dental by calling (800) 521-2651 or visiting their website at https://www1.deltadentalins.com
ICUBA provides 2 basic types of dental insurance, a Dental HMO (DHMO) and a Dental PPO (DPPO). The DHMO plan provides flexible and affordable dental benefits with fixed copays for services, no annual maximum, and no deductibles. The DHMO is not available in all 50 states, please check coverage before making a DHMO election.
There are 2 PPO plans available, the Base plan and the Buy-up plan. The base plan has a $1,500.00 plan year benefit maximum, has individual and family deductibles, and coinsurance for basic and major services based on the level of network provider seen. The buy-up plan has a $2,000.00 plan year benefit maximum, individual and family deductibles, and coinsurance for basic and major services based on the level of network provider seen. Orthodontia is covered up to $1,500 for children up to age 18 in the base dental plan. Orthodontia is covered up to $2,000 for adults and children in the buy-up dental plan.
To learn more about these benefits, visit the “Documents” page on the iHUB at https://www.icubabenefits.info/documents
Superior Vision for Tampa Preparatory School
Superior vision is available only to employees at Tampa Preparatory School (Tampa Prep). There are $0 copays for exams, materials, and contact lens fittings. Exams, frames, lenses, and contact lenses are available every 12 months. Monthly premium for employee only coverage is $6.58, family coverage is $18.78 per month.
Superior Vision customer service is available at (800) 507-3800 or online at https://superiorvision.com. This is not an ICUBA standard benefit and is administered by the school directly, for questions contact your Human Resources or Benefits Department.
Guardian Dental for Tampa Preparatory School
Guardian Dental for employees at Tampa Preparatory School (Tampa Prep) has a $25 individual and $75 family deductible per calendar year for in-network benefits. The deductible does not apply to orthodontia and preventive services. Preventive and basic services are covered at 100%, major services are covered at 60% up to the calendar year benefit maximum of $2,000. The plan pays 50% of adult and child orthodontia services up to the $2,000 lifetime orthodontia maximum benefit.
Monthly premium for employee only coverage is $0.00, employee and spouse is $36.84, employee and children is $74.58, and family coverage is $116.09. Guardian dental customer service is available at (800) 600-1600 or online at https://www.guardianlife.com/insurance/growing-family. This is not an ICUBA standard benefit and is administered by the school directly, for questions contact your Human Resources or Benefits Department.
ICUBAcares Pharmacist Advocate
ICUBAcares is an independent pharmacist advocate for ICUBA members enrolled in medical insurance. ICUBAcares pharmacists work with you, your healthcare providers, your pharmacies, and your insurance to address medication-related concerns to achieve the best possible outcomes. Using the services provided by ICUBAcares is as simple as picking up the phone! ICUBAcares can help you with any questions you may have about your prescription pharmacy benefits. If you need help getting a medication approved, want to review your current medication, save money on your prescriptions, or if you need help navigating the prescription formulary, give ICUBAcares a call at (877) 286-3967 or visit them online at http://www.icubacares.org. ICUBAcares partners with Rx Savings Solutions (RxSS) to provide real-time analysis of your current prescriptions to identify lower cost alternatives for you and your covered family members. Any adult covered under your ICUBA medical insurance plan can use RxSS to find lower-cost options by registering online at http://icubacares.rxsavingssolutions.com. If you are new to an ICUBA medical insurance plan, it can take up to 90 days for your information to populate with RxSS.
Personify Wellbeing Incentive Program
Personify Health is ICUBA’s Wellbeing Incentive program that rewards members (and spouses) enrolled in an ICUBA medical insurance plan. You can earn redeemable incentives at many popular retailers after reaching program milestones. Accessing Personify for the first time is easiest through My Health Toolkit at https://member.myhealthtoolkitfl.com/. You can also use the ICUBA Benefits Portal at http://icubabenefits.org. After logging in, click on the Wellness & Care Management tab and select Wellness Programs or scroll to the bottom of the page to find the Personify Health tile. Next click on the Personify link for secure single sign-on to the platform to complete your account setup and take the personal health assessment to start earning incentives! Personify is included in your medical insurance election.
Medical Insurance Group Numbers by School
Barry University: BCBS Preferred PPO Group Number 71-60692-76
Barry University: BCBS High Deductible PPO Group Number 71-60828-05
Beacon College: BCBS Preferred PPO Group Number 71-60692-04
Beacon College: BCBS High Deductible PPO Group Number 71-60733-50
Central Florida AHEC: BCBS Preferred PPO Group Number 71-60692-16
Central Florida AHEC: BCBS High Deductible PPO Group Number 71-60733-62
Edward Waters University: BCBS Preferred PPO Group Number 71-60692-88
Edward Waters University: BCBS High Deductible PPO Group Number 71-60828-13
Everglades AHEC: BCBS Preferred PPO Group Number 71-60692-20
Everglades AHEC: BCBS High Deductible PPO Group Number 71-60733-66
Florida Institute of Technology: BCBS Preferred PPO Group Number 71-60692-24
Florida Institute of Technology: BCBS High Deductible PPO Group Number 71-60733-70
Good Shepherd Episcopal School: BCBS Preferred PPO Group Number 71-60692-96
Good Shepherd Episcopal School: BCBS High Deductible PPO Group Number 71-60828-17
Grace Episcopal Day School: BCBS Preferred PPO Group Number 71-60694-03
Grace Episcopal Day School: BCBS High Deductible PPO Group Number 71-60828-21
Jacksonville Country Day School: BCBS Preferred PPO Group Number 71-60694-07
Jacksonville Country Day School: BCBS High Deductible PPO Group Number 71-60828-25
Nova Southeastern University: BCBS Preferred PPO Group Number 71-60692-32
Nova Southeastern University: BCBS High Deductible PPO Group Number 71-60733-78
Palm Beach Atlantic University: BCBS Preferred PPO Group Number 71-60694-15
Palm Beach Atlantic University: BCBS High Deductible PPO Group Number 71-60828-29
Rollins College: BCBS Preferred PPO Group Number 71-60692-40
Rollins College: BCBS High Deductible PPO Group Number 71-60733-86
Saint Leo University: BCBS Preferred PPO Group Number 71-60694-35
Saint Leo University: BCBS High Deductible PPO Group Number 71-60828-49
Saint Stephen's Episcopal School: BCBS Preferred PPO Group Number 71-60694-39
Saint Stephen's Episcopal School: BCBS High Deductible PPO Group Number 71-60828-53
Saint Thomas University: BCBS Preferred PPO Group Number 71-60828-77
Saint Thomas University: BCBS High Deductible PPO Group Number 71-60828-81
San Jose Episcopal Day School: BCBS Preferred PPO Group Number 71-60694-19
San Jose Episcopal Day School: BCBS High Deductible PPO Group Number 71-60828-33
St. Edwards School: BCBS Preferred PPO Group Number 71-60694-23
St. Edwards School: BCBS High Deductible PPO Group Number 71-60828-37
Tampa Preparatory School: BCBS Preferred PPO Group Number 71-60692-44
Tampa Preparatory School: BCBS High Deductible PPO Group Number 71-60733-90
The Bolles School: BCBS Preferred PPO Group Number 71-60692-08
The Bolles School: BCBS High Deductible PPO Group Number 71-60733-54
The Poynter Institute: BCBS Preferred PPO Group Number 71-60692-36
The Poynter Institute: BCBS High Deductible PPO Group Number 71-60733-82
Unity School: BCBS Preferred PPO Group Number 71-60694-91
Unity School: BCBS High Deductible PPO Group Number 71-60828-01
University of Tampa: BCBS Preferred PPO Group Number 71-60692-48
University of Tampa: BCBS High Deductible PPO Group Number 71-60733-94
Warner University: BCBS Preferred PPO Group Number 71-60828-65
Warner University: BCBS High Deductible PPO Group Number 71-60828-73
Westminster Christian School: BCBS Preferred PPO Group Number 71-60694-95
Westminster Christian School: BCBS High Deductible PPO Group Number 71-60828-57
Dental Premium
Monthly premium for the Anchor Dental plan, exclusively for the Poynter Institute, employee only coverage is $37.21
Monthly premium for the Anchor Dental plan, exclusively for the Poynter Institute, employee plus one coverage is $65.97
Monthly premium for the Anchor Dental plan, exclusively for the Poynter Institute, employee plus two coverage $93.66
Monthly premium for the Anchor Dental plan, exclusively for the Poynter Institute, family coverage is $121.36
Monthly premium for the Delta Dental Base Plan employee only coverage is $23.80
Monthly premium for the Delta Dental Base Plan employee plus one coverage is $55.32
Monthly premium for the Delta Dental Base Plan family coverage is $91.59
Monthly premium for the Delta Dental Buy-Up Plan employee only coverage is $41.69
Monthly premium for the Delta Dental Buy-Up Plan employee plus one coverage is $83.04
Monthly premium for the Delta Dental Buy-Up Plan family coverage is $139.64
Monthly premium for the Delta Dental DHMO Plan employee only coverage is $11.83
Monthly premium for the Delta Dental DHMO Plan employee plus one coverage is $23.73
Monthly premium for the Delta Dental DHMO Plan family coverage is $36.85
Monthly premium for the Guardian Dental plan, exclusively for Tampa Prep, employee only coverage is $36.84
Monthly premium for the Guardian Dental plan, exclusively for Tampa Prep, employee & children coverage is $111.42
Monthly premium for the Guardian Dental plan, exclusively for Tampa Prep, employee & spouse or domestic partner coverage is $73.68
Monthly premium for the Guardian Dental plan, exclusively for Tampa Prep, family coverage is $152.93
Monthly premium for the Humana Dental plan, exclusively for Good Shepherd, employee only coverage is $44.71
Monthly premium for the Humana Dental plan, exclusively for Good Shepherd, employee & children coverage is $94.85
Monthly premium for the Humana Dental plan, exclusively for Good Shepherd, employee & spouse or domestic partner coverage is $101.95
Monthly premium for the Humana Dental plan, exclusively for Good Shepherd, family coverage is $154.88
Monthly rates do not include employer contributions (if any). For more information about your school's contributions, refer to your benefits guide or contact your Human Resources or Benefits Department. Dentegra dental plans are only available to members residing in the state of Virginia.
Vision Premium
Monthly premium for the Eyemed Vision Base employee only plan is $4.98. Monthly premium for the Eyemed Vision Base family plan is $12.76. Monthly premium for the Eyemed Vision Buy-Up employee only plan is $7.75. Monthly premium for the Eyemed Vision Buy-Up family plan is $19.81
Monthly premium for Superior Vision, exclusively for Tampa Prep, employee only coverage is $6.58. Monthly premium for Superior Vision, exclusively for Tampa Prep, family coverage is $18.78.
Monthly rates do not include employer contributions (if any). For more information about your school's contributions, refer to your benefits guide or contact your Human Resources or Benefits Department.
Medical Premium
Monthly premium for the BCBS High Deductible PPO medical Plan employee only coverage is $893.00
Monthly premium for the BCBS High Deductible PPO medical Plan employee & children coverage is $1,290.00
Monthly premium for the BCBS High Deductible PPO medical Plan employee & spouse or domestic partner coverage is $1,901.00
Monthly premium for the BCBS High Deductible PPO medical Plan family coverage is $2,160.00
Monthly premium for the BCBS Preferred PPO medical Plan employee only coverage is $899.00
Monthly premium for the BCBS Preferred PPO medical Plan employee & children coverage is $1,621.00
Monthly premium for the BCBS Preferred PPO medical Plan employee & spouse or domestic partner coverage is $1,917.00
Monthly premium for the BCBS Preferred PPO medical Plan family coverage is $2,525.00
Monthly rates do not include employer contributions (if any). For more information about your school's contribution to your coverage contact your Human Resources or Benefits Department.
Embold Provider Search Tool
Embold Health isn’t a network of providers, and sometimes the provider may not be aware that they have been identified as high-performing providers for the $0 copay benefit from ICUBA. Embold Health’s Provider Guide is a network search tool designed to help you identify the highest performing healthcare providers in your existing BlueCross BlueShield (BCBS) network. Searching for Embold Health designated providers is easy. If you see the blue $0 copay badge, copays are waived for visits to the medical doctor or specialist. provider. If your doctor or specialist has the Embold $0 copay designation and tries to collect the copay, ask them to bill you and send them a copy of your EOB when the claim is processed. Embold Health Provider search tool: https://icuba.emboldhealth.com/login
Teladoc Virtual Care
Teladoc is a virtual resource for care at home or on the go. Teladoc connects you with doctors online or by phone for convenient, 24/7 care without needing to visit an office. Accessing Teladoc for the first time is easiest through My Health Toolkit at https://member.myhealthtoolkitfl.com/. You can also use the ICUBA Benefits Portal at http://icubabenefits.org. After logging in, click on the Providers & Services tab and select Telehealth. Next click on the Launch a Visit button to access a secure single sign-on to Teladoc. Once you’re in you can set up your personal account and schedule an appointment to speak with a provider about issues like cold & flu symptoms, allergies, migraines, and more. Teladoc visits have a $5 copay for medical and mental health visits. Teladoc is included with your medical insurance election.
Quest Diagnostics Biometric Screening
Quest Diagnostics is the only in-network lab provider within the BCBS network. If you're in Florida and need diagnostic or lab services, Quest Diagnostics is the place to go. To find a Quest Diagnostics location or schedule an appointment, just hop over to https://www.questdiagnostics.com/, or give them a call at (866) 697-8378, which spells out as 866MyQuest - easy to remember, right? If you are looking for the Physician Results Form (PRF) from Quest for Biometric Screenings at your doctor’s office visit https://my.questforhealth.com/mobile/welcome/home. If this is your first time requesting a PRF, you’ll need to create an account. In the green box labeled Create Account enter “ICUBA.” Next, click the “register now” button - accept the terms and conditions and you'll be prompted to enter additional information including your BCBS member ID number. After you login, click on the “Order Form” button on the dashboard. Complete your section and bring the form with you to your annual wellness exam for your provider to complete their section of the form. Ask your provider to complete their section of the form - the PRF must be completed by you and your healthcare provider or Quest will not process the form! Upload your completed form by clicking on the Upload Form button in the Scheduled section of MyQuest: You or your provider can fax a copy of the completed Biometric Screening Form to (844) 560-5221 – you can also upload the form in the My Quest For Health portal at https://my.questforhealth.com/mobile/welcome/home.
My Health Novel
My Health Novel matches you with helpful resources and tools based on your specific health needs. With My Health Novel, you’ll have access to health & lifestyle management mobile apps for weight management, emotional wellbeing, digestive health, and women’s health. Accessing My Health Novel for the first time is easiest through My Health Toolkit at https://member.myhealthtoolkitfl.com/. You can also use the ICUBA Benefits Portal at http://icubabenefits.org. After logging in, click on the Wellness & Care Management tab and select Wellness Programs or scroll to the bottom of the page to find the My Health Novel tile. Next click on the Log in to My Health Toolkit link and get started with your personal assessment.
Lantern Elective Surgery
Lantern is a specialized, high performing network of surgeons who perform certain, non-emergent, elective surgeries at no cost for eligible members enrolled in an ICUBA medical insurance plan. You must start the process with Lantern and use one of their network providers to have the procedure covered at 100%. To get started, call (855) 200-2119 or use the ICUBA single sign-on to access your Lantern benefits login. When you schedule with Lantern, you will likely have to travel. If you travel away from home, Lantern schedules your hotel, pays for travel costs, and provides a $35 per day allowance for meals and incidentals, for you and a travel companion. You can give Lantern a call at (855) 200-2119 or visit their website at https://mysurgery.lanterncare.com
You can also use the single sign-on through the ICUBA benefits portal to access Lantern under the My Carrier Accounts section of your landing page.
Hinge Health virtual musculoskeletal care
Hinge Health is a virtual physical & occupational therapy program. Hinge is available at no cost to members enrolled in an ICUBA medical insurance plan and provides a virtual PT evaluation, exercise kit, access to licensed physical therapists, and more! Members need to apply to the Hinge Health program at https://www.hingehealth.com/for/icuba to use the benefit, but don’t worry – applying is quick and easy! If approved, Hinge Health will send the tools and resources members need to start virtual sessions from the comfort of home. Hinge Health application web page https://www.hingehealth.com/for/icuba/
In-network Behavioral Health Providers
Aetna was the behavioral health coverage carrier for ICUBA members through March 31, 2025. Effective April 1, 2025, the behavioral health coverage carrier for ICUBA members is BCBS. If a member was seeing provider from Aetna and they are not in-network with BCBS, the member must submit the Transition of Care form to BCBS for temporary (or transitional) care.
Once a transition or continuation of care decision is made, the determination will be entered into the transitional care management system. The claims department and the member will be notified of the decision in writing. If the treatment or condition under consideration is approved, claims will be paid as in-network benefits for the duration of the approval. All other claims will be paid according to plan benefits. If the treatment or condition under consideration is denied, claims will be paid according to plan benefits for services received from an out-of-network provider. If an approved provider is out-of-network, the member may be required to pay any amount charged at or above the allowable rate (balance billed).
The Transition of Care form is online at https://tinyurl.com/ICUBA-TOC
Email: transitionofcare@nationalalliance.com
Mail: Columbia Service Center
Attn: Transition of Care AX-F21
PO Box 10028
Columbia, SC 29202
Tips for Completing the Form: Submit one form per condition/treatment, Include your current provider’s name, specialty, and contact information, Describe the condition and expected duration of care, Sign the authorization section at the bottom of the form. A parent or legal guardian must sign for patients under 18.
BCBS Global Providers
Search for global BCBS medical providers using the first 3 letters (ICI) of your BCBS member ID card online at https://www.bcbsglobalcore.com/Account/Login?ReturnUrl=%2F
If this is your first time logging in or filing an international claim on the Blue Cross Blue Shield Global Core website you will need to register for access online at https://www.bcbsglobalcore.com/Account/Register
ICUBA Single Sign On
The ICUBA SSO is your one-stop shop for easy access to your ICUBA benefits. Once you log in, it's your gateway to everything you need. You can see your plan details, track claims, find doctors in your network, ask for new ID cards, and even print temporary ones. Just remember, for some carriers, you might need to do a quick sign-up and set up a username and password before you can use the SSO features. For 24/7 access, visit the ICUBA Benefits Portal online at http://icubabenefits.org
Barry University, the University of Tampa, Florida Tech do not use the ICUBA Benefits portal for elections. Single sign on features may be limited for those schools.
Flexible Spending and Health Reimbursement Accounts
A Health Reimbursement Account or HRA is an account your employer may fund to help cover your medical expenses. An HRA is different from an HSA or Health Savings Account. Now, the great news is that any leftover HRA money rolls over to the next year. Plus, after you've been on an ICUBA medical insurance plan (with HRA) for 36 months, the HRA is yours to use for medical expenses - even if you leave your job. So, you can keep using it for eligible expenses, but you can't transfer or cash out HRA funds. They're only there to help with your eligible healthcare costs. Health Reimbursement Accounts are linked to your enrollment in an ICUBA Medical Insurance plan from BCBS. Not all member schools have an HRA account for employees. If you are not sure your employer funds an HRA, contact your Human Resources or Benefits Department.
HRA funds are contingent on enrollment in an ICUBA medical plan, but not for all member schools. HRA funds can only be used for (for the eligible healthcare and healthcare related expenses) for members of your family covered under your ICUBA medical insurance plan. If your family members are not covered under your ICUBA medical insurance plan, you may not use HRA funds to pay for their medical expenses.
ICUBA members are vested in their HRA funds if they separate service from an eligible employer and have been enrolled in an ICUBA medical insurance plan for 36 months at the time of separation. Vested HRA funds can be used to pay for qualified healthcare expenses after your separation from service. ICUBA charges a monthly administration fee of $10.60 for vested HRA accounts. HRA funds are available either monthly or pre-funded annually depending on the process decided on by your employer.
Your health reimbursement account (HRA) cannot be cashed out upon separation from service. If you have funds available on your ICUBA Master Card from Ameriflex at the time of separation and you are vested, you may continue to use those funds for eligible healthcare expenses after separation with a monthly administrative fee of $10.60. You can request cards from Ameriflex for eligible dependents age 18 and older by logging in to the Ameriflex participant portal. The process only takes a few minutes to complete. Note: your dependent must already be added to your Ameriflex account before a card can be issued.
To add a dependent, log in to your account at https://participant.myameriflex.com or by using the ICUBA Benefits Portal at http://icubabenefits.org
Click More on the top navigation bar then select Profile. Next, click the “Add Dependent” button on the top right. Enter your dependent's information, including: first and last Name, social security number, birth date, gender, and dependent type. Finally, click “Add Dependent” to finish the process. Once you add dependents to your account, you can request cards for eligible dependents over the age of 18. In special circumstances, members may need cards for eligible dependents under age 18. If you need a card for an underage dependent contact Ameriflex customer support, call (888) 868-3539 or email service@myameriflex.com
If you use personal funds to pay for an HRA, DCFSA, or HCFSA claim you can submit the expense for reimbursement and Ameriflex will send the funds via check to your mailing address on file, or via direct deposit if you have that setup in their portal.
If your HRA is funded monthly, funds are deposited at the end of the month. For example, if you are hired with an ICUBA member school August 15, 2022, and enroll in a medical plan with an effective date of September 1, 2022. Your first HRA deposit will be available at the end of September (deposits are usually posted on the 25th of each month). It is important to note that HRA funding is subject to eligibility and enrollment in a medical plan with ICUBA. Funding dates may vary based on when elections are made and processed in the system. In most cases, HRA funds are applied at the end of your second month of eligibility to account for elections you may make after ICUBA's regular funding schedule has passed.
If your HRA is funded annually, funds are prorated for the remaining months in the plan year and advanced to the first month of your eligibility. For example, if you are hired with an ICUBA member school August 15, 2022, and enroll in a medical plan with an effective date of September 1, 2022. Your advance HRA deposit will be available at the end of September (deposits are usually posted on the 25th of each month) and will be prorated to include 7 months of HRA funding. It is important to note that HRA funding is subject to eligibility and enrollment in a medical plan with ICUBA. Funding dates may vary based on when elections are made and processed in the system. In most cases, HRA funds are applied at the end of your second month of eligibility to account for elections you may make after ICUBA's regular funding schedule has passed.
Initially, you will only receive one card from Ameriflex. You may request additional cards for eligible dependents (over age 18) after adding them to your Ameriflex Portal Profile.
Adding dependents to your profile is required when you request reimbursement for HRA, HCFSA, and DCFSA expenses incurred by an eligible dependent, or when you request additional Ameriflex cards for eligible dependents (over age 18). Adding dependents may not be required for day-to-day transactions.
Flexible Spending Accounts are employee benefit accounts that allow you to have pre-tax dollars withheld from your paycheck to pay for eligible health care (HCFSA) or dependent care (DCFSA) expenses. HCFSA can be used for medical expenses for you, your spouse, and your children. DCFSA can be used for daycare or other similar expenses for children under 13 or adult disabled dependents who need care for you to work.
Depending on your tax bracket, you may save up to 30% or more in taxes on your flexible spending account elections.
Your HCFSA has some rules set by the IRS. The money in it is meant for specific healthcare expenses listed in the IRS code (Section 213(d)). These expenses include things like copays, dental care, vision care, prescriptions, and even some over-the-counter treatments. If you have both a Healthcare Flexible Spending Account (HCFSA) and a Health Reimbursement Account (HRA), here's how it works: Your HCFSA funds are used first when you pay for eligible expenses with your ICUBA Benefits MasterCard. These funds are like the 'use-it-or-lose-it' kind, taken from your paycheck each pay period during ICUBA's plan year. Now, if you want to dip into your HRA funds first, you can do that by submitting a claim online. Just remember, you can use your HRA funds for expenses incurred up to 12 months or the effective date of your HRA (whichever comes first). As for the HCFSA, it's for expenses you have from April 1 through June 15 of the following plan year. So, you've got options to make the most of your benefits.
Healthcare Flexible Spending Account (HCFSA): You get access to your entire election on the first business day of the plan year, which starts on April 1. If you're new or eligible, you can use HCFSA funds as soon as your election is confirmed.
Dependent Care Flexible Spending Account (DCFSA): With DCFSA, you access funds as your paychecks come in during the year. Usually, the first DCFSA deposit happens with your April paycheck, and it's credited to your account right away. If you're new or eligible, your first DCFSA deposit will be in the first paycheck after your election is confirmed.
For the 2025-2026 plan year an employee who chooses to participate in a Healthcare Flexible Spending Account (HCFSA) can contribute up to $3,300 for Healthcare Spending and up to $5,000 (per family) for Dependent Care Spending Flexible Spending Accounts (DCFSA). The amount contributed is not subject to federal income tax, Social Security tax or Medicare tax.
A Dependent Care FSA (DCFSA) is like a special savings account for childcare to enable you to work or look for a job. You use it to pay for things like preschool, summer camp, and daycare for your dependents. The best part? The money comes out of your paycheck before taxes, so you'll save on the federal taxes you would've paid on the amount you elected.
Keep the following in mind when deciding to enroll in DCFSA:
• You can only be reimbursed for care that has already been received
• You can only receive reimbursements up to the amount already deducted from your pay
Most service providers are not set up to accept flexible spending debit cards and you may need to complete a claim form and provide receipts or proof of payments which must include the following pieces of information:
• The date of the expense (or service start and end dates)
• A description of the service
• The expense (amount requested for reimbursement)
• The name, address, and social security number (or individual tax identification number) of your childcare provider
• The dependent's name and relationship to you*
An adult dependent is defined by the IRS as a dependent who is mentally or physically incapable of caring for themselves, so that the other adult(s) can work. Requirements for these types of expenses are extremely specific and require medical documentation.
Eligible expense examples are available in the Ameriflex participant portal website at https://myameriflex.crunch.help/participants/eligible-expenses. You can use the links below to find the qualifications for each item. We want to make things as smooth as possible when it comes to using your ICUBA debit card. The IRS requires us to check and verify every transaction, but don't worry - we're working to make this process easier for you.
Here's the deal: If your card swipe is for a copay or at a special kind of merchant, we'll approve it right away, no extra steps needed.
There are a couple of ways you can access your HRA, HCFSA, and DCFSA account balances through Ameriflex. The easiest way is to use the Benefits Portal at http://icubabenefits.org. Once you log in click on the Ameriflex link in the My Carrier Accounts section. You can also access your Ameriflex account directly at https://participant.myameriflex.com/#/login. From the Ameriflex login page, enter your username and password or if this is your first time visiting the site register for access online at https://participant.myameriflex.com/#/register. Please note, you may need to login using the ICUBA Secure Single Sign-on before you can create your Ameriflex account to access their web portal and mobile app.
Ameriflex customer service is available by phone at (888) 868-3539 or by email at service@myameriflex.com Online account access for Ameriflex HCFSA and DCFSA administration is available at https://participant.myameriflex.com/#/login. If your Ameriflex card is lost, stolen, or damaged you can request a new card using the ICUBA Benefits Portal or by signing in to your Ameriflex account online. The US Postal Service delays or recent changes to your mailing address may be holding up the delivery of your new Ameriflex card. To check the status and/or order a replacement card visit myameriflex.com to log in or register for access and request a replacement card.
To learn more about these benefits, visit the “Documents” page on the iHUB at https://www.icubabenefits.info/documents