Skip to the main content

Insurance Programs

The college offers medical coverage through the State of Florida benefit options. Full-time and eligible employees may choose from Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), or a High Deductible Health Plan (HDHP). 

The State offers different medical vendors depending on your choice of medical plan: Florida Blue, United Healthcare, Aetna, and Capital Health Plan.

To learn more about the medical plans offered and their coverage please visit: Health Insurance Plans 

For Plan documents: Resources

Staff/Faculty Monthly Medical Insurance Cost
Member Type PPO/HMO HDHP
Single $50 $15
Family $180 $64.30

The Pharmacy Benefits Manager is Optum Rx. Employees who enroll in medical will receive a separate pharmacy card. You do not need to enroll separately into the pharmacy coverage as you are automatically enrolled when electing medical.

For more information regarding pharmacy coverage, please visit: Prescription Drug Plan

Optum Rx

Teladoc's U.S. board-certified doctors are available 24/7, 365 days a year to resolve medical issues through phone or video consults. Available to all employees based on your medical plan. For more information, call 1-800-Teladoc, or visit Teladoc.com.

Employees who enroll into medical may be eligible for separate discounts on vision and other benefits through the elected medical plan. Please refer to your medical plan benefits or call your chosen medical carrier.

The college offers dental insurance through the State of Florida. There is an array of comprehensive dental plans available. Each plan is designed to meet the needs of employees based on their individual usage, flexibility in using network or non-network dentists and costs.

Dental plans are divided into four categories: PPO, Indemnity with PPO, Indemnity, and Prepaid. Providers include: MetLife, Cigna, Humana, Ameritas, and Sunlife.

Cost vary based on provider and coverage tier. For coverage and costs please visit: Dental Insurance Plans

A comparison of plans and costs can be found at the following links: 2025 Dental Plan Comparison, 2025 Dental Insurance Plans Costs

The college offers vision insurance through the State of Florida benefit options. The vision provider is Humana for 2025. Information on Exams and Materials can be found here: Vision Insurance Plan

The monthly costs for the plan are as follows:

Employee Monthly Vision Insurance Cost
Member Type Cost
Employee Only $5.92
Employee + Spouse $11.68
Employee + Child(ren) $11.56
Family $18.16

Sometimes referred to as a cafeteria plan, flex plan, or a Section 125 plan, a Flexible Spending Account lets you set aside a certain amount of your paycheck into an account before paying income taxes. During the year, you have access to this account for reimbursement of expenses for which you regularly pay, such as healthcare and dependent daycare. When you use tax-free dollars to pay for these expenses, you realize an increase in your spending power and substantial tax savings.

Information regarding the accounts include:

  • A health care reimbursement account covers expenses such as health and dental deductibles, prescription drugs, co-payments, approved over the counter drugs, and eyeglasses.
  • A dependent care reimbursement account covers expenses for your child(ren) who are under age 13. 
    • Before and after school care
    • Babysitting and nanny expenses
    • Daycare, nursery school, and preschool
    • Summer day camp
  • Care for your spouse or a relative who is physically or mentally incapable of self-care and lives in your home.

The flexible spending accounts must be elected each open enrollment. Elections do not rollover from year-to-year.

Once you are enrolled in the Flexible Spending Account, register by visiting https://www.chard-snyder.com/ or by downloading theChard Snyder App through the App Store for iPhone users or the Google Play Store for Android users.  You may also call Chard Snyder at 1-855-824-9284. Email Chard Snyder at FloridaAskPenny@chard-snyder.com 

A good list of covered items can be found here: FSA Eligible Items.  Register on the Consumer portal and mobile app to manage your account.

The State of Florida provides all full-time eligible employees $25,000 of term life/accidental death insurance at no cost to the employee.

The College provides additional term life insurance including accidental death and dismemberment policy for all full-time employees at no cost. 

Employer paid term life insurance, both through the State and the College, is based upon 1x base salary. 

Employees can elect additional term life insurance through Workday and People First. These benefits can be stacked.

Term life and accidental death and dismemberment are bundled as one benefit.

Short-term Disability

The college offers short-term disability through The Standard. The coverage provides 66 2/3% of salary after 30 days of disability with a Maximum Monthly Benefit of $6,000 less other income benefits. The maximum benefit duration is 9 weeks. The cost is $.33 per hundred dollars of the employee’s monthly salary and is a post tax deduction. During your enrollment in Workday, the system will calculate your deduction per paycheck.

The State of Florida also offers short-term dsiability with a variety of wait periods, benefit periods, and maximum benefits. 

Employees can choose to elect short-term disability coverage through the College or the State. Employees cannot elect both. For more information on short-term disability offered through the State, please visit: Colonial Life - State of Florida Disability


Long-term Disability

The College provides long-term disability insurance for all full-time employees at no cost through The Standard Life Insurance Company. The policy pays 66 2/3% of the employee's monthly salary with a Maximum Monthly Benefit of $7,000 less other income benefits. The Benefit waiting period is 90 days. Disability claims generally take the provider 30 to 45 days to process.

Full-time employees may elect Cancer Insurance benefits through Allstate. Group voluntary cancer insurance supplements existing coverage and can help provide cash to cover medical and living expenses by paying cash benefits for cancer and 29 specified diseases, to help with the costs of treatments and expenses as they happen. You may choose from two levels of coverage:

Allstate Cancer Insurance Plans
Plan Employee Only - Semimonthly Family - Semimonthly
Low Plan $9.89 $16.67
High Plan $13.06 $22.11

 

Please contact Custom Benefits Service at 800-809-8161 for more information. You can use the Cancer Claim form and/or the Wellness Claim form to file claims.

The State of Florida also offeres optional supplemental plans through Aflac, Colonial, Cigna and New Era. For more information on these offerings, please visit: Other Supplemental Plans

Northwestern Mutual offers long term care insurance. Jon Maples, Financial Representative at Northwestern Mutual, will meet with interested employees individually as long term care is an individual policy which is based upon several factors including age, coverage selection, etc. The rates are discounted 5% since they are being offered as a group through the College. Please contact Jon at jon.maples@nm.com or call 561-284-8074.
Print page