Insurance Programs
Full-time employees may elect group medical insurance through Florida Blue and choose from a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO) plan.
Full-time employees may also elect to not participate in medical coverage by opting out and selecting the Medical (DV) Waiver option. The medical DV plan is meant for employees who have other medical coverage through another group medical policy, a spouse's employer, or Medicare. Please note, Marketplace coverage is not acceptable. Proof of other coverage must be provided through Workday when enrolling.
In order to help employees make an informed choice, Florida Blue has provided the eLearning Digital Education Tool. E-Tools provides a wealth of information that provides answers to specific questions about coverage, tips on saving money when using plan benefits and a library of resources that will give employees a deeper understanding of all the benefits available. Employees can also find plan summaries for both BlueCare HMO Plan 47 and BlueOptions PPO Plan 03359 as well as a Schedule of Benefits for each plan.
In Florida, employees who are unable to afford health care premiums may be eligible for assistance through Medicaid. For more information, please contact Florida Medicaid at 866-762-2237 or visit the Florida Medicaid website.
Medical insurance is effective the first of the month following date of full-time hire date or date you become benefit eligible. The monthly rates for the HMO and PPO are as follows:
| Member Type | HMO Plan 47 | PPO Plan 3559 |
|---|---|---|
| Employee | $17 | $0 |
| Employee + Spouse/Partner | $836 | $798 |
| Employee + Child(ren) | $528 | $496 |
| Family | $1,347 | $1,294 |
Walgreens is a featured pharmacy in your network. You’ll pay a lower price for many prescriptions at Walgreens than anywhere else. This means you’ll often pay less when you have a deductible to meet. Or if the drug costs less than your copay, you’ll pay the lower price. In addition to Walgreens, you can choose from Publix, Winn-Dixie, Walmart, and many small, independent pharmacies throughout the state. Always use an in-network pharmacy for greatest savings on your medicines. If you use a pharmacy that is out of network, such as CVS-owned pharmacies, you’ll pay the full price out of pocket for your prescription. You can see a list of in-network pharmacies at floridablue.com/Pharmacy.
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 who are covered by one of the Florida Blue plans. Set up your account in advance so when you need care, a Teledoc doctor can be reached quicker. For more information, please refer to the "Know Before You Go" flyer, call 1-800-Teladoc, or visit Teladoc.com.
Members of Florida Blue Health Options receive discounts on eye exams, frames and lenses by providing their Florida Blue card to Davis Vision Care providers. A listing of the providers can be found by visiting the Florida Blue website or by calling 888-897-9350.
Full-time employees may elect group dental insurance and choose either DentalCare USA FL48N (DHMO) or Delta Dental PPO. Employees are encouraged to evaluate both programs by reviewing the overviews and comparison of the structure of the two dental plans. There are significant differences between the plans. Some of those differences are:
Delta PPO Plan - The employee payment is based on a "percentage" for covered services; the maximum the plan will pay for services in the calendar year is $1,000. An annual deductible is applied to services beyond diagnostic and preventative care and there is no orthodontic benefit.
DeltaCare USA (Plan number FL48N) - Almost all services require a copayment even through some are very inexpensive. There is no cap on services provided for the year and there is an orthodontic benefit. A dentist must be selected from the Delta Care USA network.
Dental insurance effective the first of the month following date of full-time hire date or date you become benefit eligible. The monthly rates are as follows:
Benefit Booklet: DeltaCare USA FL48N | Delta Dental PPO
| Member Type | DeltaCare USA FL48N | Delta Dental PPO |
|---|---|---|
| Employee Only | $0 | $12.16 |
| Employee + Spouse | $9.52 | $39.50 |
| Employee + Child(ren) | $13.96 | $40.02 |
| Family | $24.74 | $74.68 |
The college offers a voluntary vision plan for full-time employees through VSP Vision (VSP Choice). With open access to see any eyecare provider, you can see the one who's right for you. Choose a VSP doctor or any other provider. To find a VSP doctor, visit www.vsp.com or call 800.877.7195. For detailed information, please refer to the plan summary. The monthly costs for the plan are as follows:
| Member Type | Cost |
|---|---|
| Employee Only | $5.12 |
| Employee + Spouse | $10.27 |
| Employee + Child(ren) | $10.56 |
| Family | $14.63 |
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 www.eaglesbenefits.com/register or by downloading the EaglesFlex App through the App Store for iPhone users or the Google Play Store for Android users. You may also call Eagles, Benefits by Design at 1-800-726-5603.
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 College provides term life insurance including accidental death and dismemberment policy for all full-time employees at no cost. The policy is based upon 1x base salary with a minimum of $20,000.
Full-time employees may elect additional term life insurance to a maximum of four times their salary with a guaranteed issue of $250,000. Amounts over the guaranteed issue amount up to $750,000 are subject to underwriting and employees must complete an Evidence of Insurability (EOI) form. The monthly rate per $1,000 of this group term coverage is $.25. During your enrollment in Workday, the system will calculate your deduction per paycheck. If a higher amount than the guaranteed issue of $250,000 is requested, the guaranteed issue of $250,000 will remain until EOI is processed by the carrier.
Full time employees may elect additional AD&D to a maximum of 10X their salary to a maximum of $750,000. The month rate per $1,000 of this group coverage is $.027. During your enrollment in Workday, the system will calculate your deduction per paycheck.
If you reach an age shown below, the amount of insurance is determined by policy guidelines beginning with the sixty-fifth birthday. The coverage reduces according to the following schedule:
- 65 through 69 = 65% of the original amount
- 70 through 74 = 50% of the original amount
- 75 or over = 35% of the original amount*
*Not less than the $20,000 minimum
Full-time employees may also elect term life coverage for their dependents at a cost of $2 per month for each dependent covered. The coverage amounts are as follows:
Spouse - $10,000
child birth to 6 months - $500
child 6 months to age 25 - $5,000
Short-term Disability
Full-time employees may elect short-term disability through American One Insurance Company. 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.
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:
| 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.
Health insurance pays doctors and/or hospitals, whereas AFLAC pays cash directly to you so that you may use your benefits however you wish. AFLAC offers two plans for College employees: Critical Care Protection and Accident Advantage. You may choose to cover yourself only or add your spouse and/or child(ren). Premiums are payroll deducted on a pre-tax basis. The plans are portable and may be kept for life.
Please review the video link to learn more about the AFLAC benefits available to you: AFLAC Enrollment Palm Beach State
Please contact AFLAC representative Patti Leonaggeo at 561-434-4558 or email pleonaggeo@bellsouth.net.
