Insurance Plans
香港六合彩开奖结果2023 offers budgeted and eligible non-budgeted employees the opportunity to participate in a selection of voluntary insurance benefit programs.
Marketplace Notice: Please visit for more information, about the Health Insurance Marketplace for employment-based health coverage offered by the state of Florida, should you choose not to enroll through the State Group Insurance Program
- Health Insurance
- Life Insurance
- Dental Insurance
- Vision Insurance
- Flexible Spending
- Post-Tax Insurance
- Supplemental Insurance
- Quicklinks
Health Insurance
香港六合彩开奖结果2023 offers the following health insurance coverage:
Preferred Provider Organization | Health Maintenance Organization | Health Investor Health Plan
Health insurance coverage is available to all budgeted faculty, administrative, support, and eligible non-budgeted employees at the 香港六合彩开奖结果2023. Employees have 60 calendar days from their hire date to enroll in a State Group Insurance Program health insurance plan. Plan changes are only made during the annual open enrollment period or due to an approved . To enroll in a new plan or make changes to your current health plan, if eligible, please contact the Office of Human Resources at
You can also sign-up for a State Group Insurance Program health insurance plan online through or by contacting the People First Service Center at
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Note:
will manage your prescription benefits like your health insurance company manages your medical benefits. That means helping you get the medication you need and helping you find ways to save. For more information, please call 800-547-9767. |
Preferred Provider Organization (PPO)
Standard PPO coverage provides flexibility in choosing both network and non-network providers. The deductibles and coinsurance out-of-pocket costs will be less when visiting an in-network provider. A summary of the Standard PPO plan is below. For complete plan details and a plan comparison chart, please visit the website.
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Insurance Carrier: |
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Monthly Premiums:* |
Employee Only Coverage:
Family Coverage:
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
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| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
| Network Coverage: |
In-Network: (You will pay the least) |
Out-of-Network: (You will pay the most) |
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| Annual Deductible: |
Employee: $250 Family: $500 |
Employee: $750 Family: $1,500 |
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Coverage: |
United States |
Worldwide |
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Co-Payments: |
Primary Care: $15/visit Specialist: $25/visit Hospital: 20% + $250 Per Admission Deductible |
Primary Care and Specialist: 40% Coinsurance + amount above allowance Hospital: 40% Coinsurance + $500 Per Admission Deductible + amount above allowance |
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Prescriptions: |
Generic: $7 Preferred brand: $30 Non-preferred brand: $50 (Mail order, 90-day-supply prescriptions also available) |
You pay in full, file a claim, and will not get reimbursed the entire amount. |
Health Maintenance Organization (HMO)
Standard HMO coverage offers benefits through network providers without deductible or coinsurance out-of-pocket costs. Non-network providers do not provide covered services. A summary of the Standard HMO plan is below. For complete plan details and a plan comparison chart, please visit the website.Plan Summary
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Insurance Carrier: |
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Monthly Premiums:* |
Employee Only Coverage:
Family Coverage:
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
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| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
| Network Coverage: | Network: | Out-of-Network: |
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Annual Deductible: |
None |
No coverage for out-of-network** |
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Coverage: |
Open Access |
No coverage for out-of-network** |
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Co-Payments: |
Primary Care: $20/visit Specialist: $40/visit Hospital: $250/admission |
No coverage for out-of-network** |
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Prescriptions: |
Generic: $7 Preferred brand: $30 Non-preferred brand: $50 (Mail order, 90-day-supply prescriptions are available) |
No coverage for out-of-network** |
Health Investor Health Plan (HIHP)
HIHP high deductible coverage gives you either PPO or HMO coverage at a reduced premium for the trade-off of an increased out-of-pocket cost. A summary of the HIHP high deductible PPO and HMO plan is below. For complete plan details and a plan comparison chart, please visit the website.
- Health Investor PPO
- Health Investor HMO
Health Investor Health Plan (HIHP) Plan Summary
HIHP PPO
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Insurance Carrier: |
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Monthly Premiums:* |
Employee Only Coverage:
Family Coverage:
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
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| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
| Network Type: | Network: | Out of Network: |
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| Annual Out-of-Pocket Maximum: |
Employee Only Coverage: $3,000 Family Coverage: $6,000 |
Employee Only Coverage: $7,500 Family Coverage: $15,000 |
| Annual Deductibles: |
Employee Only Coverage: $1,500 Family Coverage: $3,000 |
Employee Only Coverage: $2,500 Family Coverage: $5,000 |
| Medical Care: | 20% of the network-allowed amount after the annual deductible is met. | 40% of the non-network-allowed amount after the annual deductible is met. |
| Hospital Stay: | 20% of the network-allowed amount after the annual deductible is met. | 20% of the non-network-allowed amount and $1,000 admission deductible after the annual deductible is met. |
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Prescriptions: |
Generic: 30% Preferred Brand: 30% Non-Preferred Brand: 50% |
Member pays in full and files a claim. |
HIHP HMO
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Insurance Carrier: |
877-614-0581 |
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Monthly Premiums:* |
Employee Only Coverage:
Family Coverage:
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
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Network Type: |
Network Only |
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Annual Out-of-Pocket Maximum: |
Employee Only Coverage: $3,000
Family Coverage: $6,000 |
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Annual Deductibles: |
Employee Only Coverage: $1,500
Family Coverage: $3,000 |
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Medical Care: |
20% of the contracted rate after the annual deductible is met. |
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Hospital Stay: |
20% of the contracted rate after the annual deductible is met. |
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Prescriptions: |
Generic: 30% Preferred Brand: 30% Non-Preferred Brand: 50% |
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Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
Life Insurance
Life insurance coverage is available to all budgeted faculty, administrative, support, and eligible non-budgeted employees at the 香港六合彩开奖结果2023. Employees have 60 calendar days from their hire date to enroll in a State Group Insurance Program life insurance plan. Plan changes are only made during the annual open enrollment period or due to an approved . To enroll in a new life insurance plan or make changes to your current life insurance plan, if eligible, please contact the Office of Human Resources at
You can also sign-up for a State Group Insurance Program life insurance plan online through or by contacting the People First Service Center at
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Note:
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Basic Life Insurance
A free, basic group term life insurance benefit of $25,000 is available to all full-time budgeted employees. Part-time budgeted employees pay pro-rated premiums based on their FTE. Eligible non-budgeted employees pay the full premium.
Plan Summary
| Insurance Carrier: Phone Number: |
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| Monthly Premium:* | Full-Time Coverage: No cost for full-time employees. Part-Time Coverage: Prorated premiums based on FTE. Eligible Non-Budgeted Coverage: $3.58 |
| Coverage Amount: | $25,000 |
| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. Part-time employee premium amounts may be higher. To enroll in a new plan or make changes to your current Basic Life insurance plan, if eligible, or for information regarding part-time premium deductions, please contact the Office of Human Resources at
Optional Life Insurance
Salaried employees enrolled in basic life insurance coverage can also elect additional term life insurance. Medical Underwriting may be required.
Plan Summary
| Insurance Carrier: Phone Number: |
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| 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 1 to 7 times the employee's annual salary is available with a maximum limit of $1,000,000 of coverage. |
| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Optional Life insurance plan, if eligible, please contact the Office of Human Resources at
Spousal Life
All employees enrolled in basic term life insurance may elect and pay for dependent spouse coverage.
Plan Summary
| Insurance Carrier: Phone Number: |
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| Monthly Premium: | Based on the amount of coverage selected. The employee is responsible for the entire premium. |
| Coverage Amount: | $15,000 benefit or $20.000 benefit |
| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Spousal Life insurance plan, if eligible, please contact the Office of Human Resources at
Dependent Life
Plan Summary
| Insurance Carrier: Phone Number: |
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| Monthly Premium: | $.85 The employee is responsible for the entire premium. |
| Coverage Amount: | $10,000 |
| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Dependent Life insurance plan, if eligible, please contact the Office of Human Resources at
Dental Insurance
香港六合彩开奖结果2023 offers the following dental insurance plan types:
Dental insurance coverage is available to all budgeted faculty, administrative, support, and eligible non-budgeted employees at the 香港六合彩开奖结果2023. Employees have 60 calendar days from their date of hire to enroll in a State Group Insurance Program dental insurance plan. Plan changes are only made during the annual open enrollment period or due to an approved qualifying status change. To enroll in a new plan or make changes to your current dental plan, if eligible, please contact the Office of Human Resources at
You can also sign-up for a State Group Insurance Program dental insurance plan online through or by contacting the People First Service Center at
Note:
- If you enrolled online or through the People First Service Center, please contact the Office of Human Resources at
(904) 620-2903 and ask to speak with a member of the Benefits and Retirement team so that the premium deductions are set up on a per pay period basis to avoid any premium payment delinquencies that may cause your plan to become inactive. - All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program dental insurance plan will have their deductions doubled starting with the first paycheck in February through the first paycheck in May. Refer to the Nine-Month Faculty Benefits page for more information.
香港六合彩开奖结果2023 offers the following dental insurance plan types:
Indemnity Dental Plan
With the indemnity dental options, you may receive care from any dentist. You have a deductible to meet and then pay a part of the cost for the services you receive. A summary of the Indemnity dental plan is below. For complete plan details and a plan comparison chart, please visit the website.
| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: | $50 per person, 3 per family |
| Annual Maximum: | $1,000 per person |
| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
Indemnity with PPO Dental Plan
With the indemnity dental options, you may receive care from any dentist. You have a deductible to meet and then pay a percentage of the cost for the services you receive. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the website.
| Insurance Carrier: Phone Number: |
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| Plan Name: |
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Monthly Premiums:* |
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Annual Deductibles: |
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| Annual Maximum: | $2,000 per person |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: |
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| Annual Maximum: | $2,000 per person |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: | Network:
$50 per person, 3 per family Non-Network: |
| Annual Maximum: | Network:
$2,000 per person Non-Network: |
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Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
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 have a deductible to meet and then pay part of the cost for the services you receive. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the website.
| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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Annual Deductibles: |
Network:
Non-Network:
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| Annual Maximum: | Network:
$1,000 per person Non-Network: |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: |
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Monthly Premiums:* |
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Annual Deductibles: |
Network:
Non-Network
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| Annual Maximum: | Network/Non-Network
$1,500 per person |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: |
Network/Non-Network:
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| Annual Maximum: | Network/Non-Network:
$1,000 per person |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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Annual Deductibles: |
Network/Non-Network:
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| Annual Maximum: |
Network/Non-Network: |
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Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
Prepaid (HMO) Dental Plans
With prepaid dental plans you must use in-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. A summary of the plan can be found below. For complete plan details and a plan comparison chart can be found on the website.
| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: | $0 |
| Annual Maximum: | $0 |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: | $0 |
| Annual Maximum: | $0 |
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Notes: |
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| Insurance Carrier: Phone Number: |
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| Plan Name: | |
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Monthly Premiums:* |
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| Annual Deductibles: | $0 |
| Annual Maximum: | $0 |
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Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
Vision Insurance
Vision insurance coverage is available to all budgeted faculty, administrative, support, and eligible non-budgeted employees at the 香港六合彩开奖结果2023. Employees have 60 calendar days from their date of hire to enroll in a State Group Insurance Program vision insurance plan. Plan changes are only made during the annual open enrollment period or due to an approved qualifying status change. To enroll in a new plan or make changes to your current vision plan, if eligible, please contact the Office of Human Resources at
You can also sign-up for a State Group Insurance Program vision insurance plan online through or by contacting the People First Service Center at
Note:
- If you enrolled online or through the People First Service Center, please contact the Office of Human Resources at
(904) 620-2903 and ask to speak with a member of the Benefits and Retirement team so that the premium deductions are set up on a per pay period basis to avoid any premium payment delinquencies that may cause your plan to become inactive. - All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program vision insurance plan will have their deductions doubled starting with the first paycheck in February through the first paycheck in May. Refer to the Nine-Month Faculty Benefits page for more information.
香港六合彩开奖结果2023 offers the following vision insurance plan types:
Vision/Exam + Materials
Caring for your eyes is a very important part of your overall health and wellness. That's why the State offers you competitive vision coverage at affordable rates. You have access to one of the largest vision networks in the United States, with more than 108,000 access points with independent optometrists and ophthalmologists and national retail locations—and every one accepts new patients. A summary of the vision plan is below. For complete plan details and a plan comparison chart, please visit website..
Vision Insurance Plan Summary
| Insurance Carrier: Phone Number: |
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Monthly Premiums: |
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| Frequency: |
Eye Exams: Every 12 months Lenses: Every 12 months Frames: Every 24 months |
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| Co-Payments: |
Eye Exams: $10.00 Lenses: $10.00 Frames: $10.00 |
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| Notes: |
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*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at
Flexible Spending
The state offers three reimbursement accounts (FSAs) that can provide tax breaks on predictable out-of-pocket costs. For more information, visit website and check out the Savings and Spending Accounts and review the Guide at the bottom of the . The is also available to help you decide if the reimbursement accounts are beneficial for you.
If you have a high deductible HMO or PPO plan (HDHP), learn more about opening a (HSA).
Chard Snyder is the administrator for all savings and spending accounts.
Carryover
For the healthcare FSA and limited purpose FSA, December 31 is the last day to incur claims for the current plan year, and you must submit all claims by April 15 of the following plan year. If you have funds remaining at the end of the current plan year, a maximum of $570 will carry over to the next plan year while any funds in excess of $570 will forfeit.
Note:
The carryover does not apply to the dependent care FSA. For the dependent care FSA, the grace period to use funds ends March 15 of the next plan year and you must submit all claims by April 15 of the next plan year. Otherwise, you will lose any remaining money.
| Type | Healthcare FSA: | Dependent Care FSA: | Limited Purpose FSA: |
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| Employee Contribution Limits |
$60 to $2,850 in pretax dollars |
$60 to $5,000 in pretax dollars ($2,500 if you're married filing separate tax returns) |
$60 to $2,850 in pretax dollars |
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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 children under the age of 13 or a dependent age 13 and older who live with you at least 8 hours a day and who need supervised care, such as an elderly parent or spouse with a disability. |
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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When is Money Available? |
The total amount of your annual election is available January 1 (for open enrollment) or on your enrollment date (for new hires or if you have an appropriate Qualifying Status Change (QSC) event). |
Money is added to your account after each payroll deduction. You may use only the amount you have in your account at the time. |
The total amount of your annual election is available January 1 (for open enrollment) or on your enrollment date (for new hires or if you have an appropriate Qualifying Status Change (QSC) event). |
| Submitting Claims | December 30 of each year is the last day to incur claims for the current plan year, and you must submit all claims by April 15 of the following year. Otherwise, if you have funds remaining at the end of the current year, a maximum of $570 will carry over to the next plan year, while any funds in excess of $570 will forfeit. | March 15 of each year is the last day to incur claims for the previous plan year, and you must submit all claims by April 15. Otherwise, you lose any remaining money. | December 30 of each year is the last day to incur claims for the current plan year, and you must submit all claims by April 15 of the following year. Otherwise, if you have funds remaining at the end of the current year, a maximum of $570 will carry over to the next plan year, while any funds in excess of $570 will forfeit. |
Important considerations to consider before making your FSA choices.
Post-Tax Insurance
Post-tax insurance plans are available to all faculty, administrative and support staff employees at the 香港六合彩开奖结果2023. 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 in a new post-tax insurance plan or make changes to your current post-tax insurance plan, if eligible, please contact the Office of Human Resources at
Enrollment forms may be mailed in or faxed to
Note:
If you mailed or faxed your enrollment forms, please contact the Office of Human Resources at
| Name: | Plan Summary | Insurance Providers: |
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| Long Term Disability: |
Long-term disability replaces 60% of your income tax-free to a maximum of $15,000 per month. For complete plan details, please visit the website or contact one of the representatives on the participating investment companies web page. 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. |
Phone: |
| 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. |
Phone: |
| 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. |
Phone: |
| 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. |
Phone: |
| Legal Insurance: | Legal insurance provides assistance with adoptions, wills and trusts, real estate, administrative hearings, attorney office work and matrimonial matters, among other things. |
Phone: |
Supplemental Insurance
Supplemental insurance coverage is available to all faculty, administrative, and support staff employees at the 香港六合彩开奖结果2023. Employees have 60 calendar days from their date of hire to enroll in supplemental insurance plans. Plan changes can be made only during the annual open enrollment period or as a result of an approved qualifying status change. To enroll in a new plan or make changes to your current health plan, if eligible, please contact the Office of Human Resources at
Enrollment forms may be mailed in or faxed to
Notes:
- If you mailed or faxed your enrollment forms, please contact the Office of Human Resources at
(904) 620-2903 and ask to speak with a member of the Benefits and Retirement team so that the premium deductions are set up on a per pay period basis to avoid any premium payment delinquencies that may cause your plan to become inactive.
Capital Insurance has developed updated portals for New and Existing/Retiring employees:
- - New employee pre-tax benefit packet that includes all of the Aflac, Cigna, MetLife, and Humana benefits forms.
- - Retirement Benefits Packet that guides and enables exiting and retiring employees to continue any insurance plans they may currently have with Capital Insurance Agency.
| Benefit Summary: | Insurance Providers: | Contact |
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| Accident Insurance: | Help you pay the following types of expenses when injured during a covered accident:
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Phone: |
| Cancer Insurance: | Depending on the plan you choose, supplemental benefits for:
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(through Capital Insurance Agency)
Phone:
Phone: |
| Disability Insurance: | Helps supplement your income during short-term disability. |
Phone: |
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Hospitalization Insurance: |
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(through Capital Insurance Agency)
Phone: (through State Securities) Phone: |
| Intensive Care Insurance: | Daily benefit for confinement in a hospital intensive care or a sub-acute intensive care unit. | (through Capital Insurance Agency)
Phone: Phone: |