Insurance

Supplemental Insurance

State of Florida Supplemental Insurance

Enrollment and election changes for supplemental plans provided by the State of Florida are made by the employee through People First for the below benefits. Unless otherwise noted, premiums are paid by the employee with no employer contribution.

Health Savings Account

Enrollment in the Health Savings Account (HSA) requires dual enrollment in the high deductible HMO or PPO plans. The HSA allows employees to use pretax dollars to pay for the patient responsibility portion claims not covered by the insurance company such as medical, prescription, dental or vision care services. Any unused funds carry forward to the next year and belong to the employee. The State contributes up to $500 per year with individual health coverage and up to $1,000 for per year with family coverage. Employees may contribute up to $2,900 per year with individual health coverage and up $5,750 per year with family coverage.

Tax-Favored Spending Account

The state offers three IRS tax-favored reimbursement accounts (also called flexible spending accounts or FSAs). The plan year runs January 1 through December 31 and is a use it or lose it plan. The grace period to use funds ends March 15 and claims must be submitted by April 15 of the next plan year; otherwise, unused funds are forfeited. A Benny-prepaid benefits card will be issued by the plan administrator, Chard Snyder to participants of the plan.

Healthcare Flexible Spending Account
Limited Purpose Flexible Spending Account
Dependent Care Flexible Spending Account

Other State of Florida Supplemental Plans

Accident Insurance

Accident insurance is available through Colonial Insurance Company. The policy helps pay for expensive medical treatment as well as certain medical equipment required as a result of an accident. The plan includes copays and deductibles. 

Cancer Insurance

Cancer insurance is available through Aflac or Colonial Insurance Company. This supplemental policy provides a cash benefit to covered members for direct medical and indirect non-medical expenses related to cancer diagnosis and treatment. 

Hospitalization Insurance

Hospitalization insurance is available through Cigna Health and Life Insurance Company or New Era. The policy provides a cash benefit to covered members due to hospitalization.

Hospital Intensive Care

Hospitalization intensive care insurance is available through Aflac. The policy provides a daily cash benefit for confinement in a hospital intensive care or a sub-acute intensive care unit. 

Disability

Disability insurance is available through Colonial Insurance Company. This policy provides supplemental income during short-term disability to help pay for a variety of everyday living expenses including mortgage or rent, utility bills, food and clothing, travel and lodging for treatment, and health costs not covered under other plans.

 

USF Supplemental Insurance

Plans within this section are offered by USF and separate from enrollment in State of Florida plans. Enrollment and election changes for supplemental plans in this category are made by the employee through the policy provider. Premiums are paid by the employee with no employer contribution.

Personal Accident

This plan offers protection against accidents which result in permanent disability anywhere in the world, on or off the job. Dependents may also be insured for a percentage of the employee’s benefit amount. The plan is offered through the Mynatt Insurance Agency for Life Insurance Company of North America. For more information, please contact the Mynatt Insurance Agency at (813) 932-5511.

Eligibility

Participation is open to benefit-eligible employees with at least a 0.75 FTE appointment. Employees may elect to cover lawful spouses under age 70 and unmarried dependent children up to age 25 if they are full-time or part-time students in an accredited school or college. Children must be dependent upon the employee for support and maintenance and must reside with the employee.

Enrollment

Eligible employees may enroll in the plan at any time by returning a completed enrollment form to Human Resources.

Long Term Care

Long-term care insurance provides your loved ones with the means to care for you when you are unable to care for yourself. Coverage includes custodial care, medical support, and more while helping to protect your retirement assets and allowing you to maintain independence.

Contrary to popular belief, the need for long-term care is not contingent upon age. Illness and injury can occur unexpectedly whether you're young or older, and the ability to care for those in need of consistent medical considerations is as prevalent as ever.

The reality of medical care is that it can be financially devastating. This is no secret and it has nothing to do with one's relative age. Accidents, severe illness, or memory loss can strike at any moment, therefore making it necessary to be prepared to undertake the financial burden associated with caring for those in need. Investing in long-term care helps to secure your financial independence in the event of the need to cover the medical obligations for your loved ones. It includes:

Group Long term care can be provided in many health and personal care settings such as nursing homes, assisted living facilities, hospice care facilities, as well as at home. **Underwritten by UNUM Insurance Company of America **

Eligibility

Participation is open to benefits-eligible employees (excludes Temporary) with at least a 0.50 FTE appointment.

Enrollment

New employees may purchase coverage during your first 60 days of employment without completing a medical questionnaire, as long as you do not choose benefits that exceed the Guarantee Issue Limits.  If you wait to enroll, a medical questionnaire is required. If you change employers or retire, you can still keep your coverage at affordable group rates.

Long Term Disability

Long term disability insurance is available through The Gabor Agency and provides an inexpensive way to protect your income, your family, and yourself from loss due to an unexpected illness or injury.

Detailed information about the insurance may be found in the policy brochure or available on Gabor’s website.

View more information and access the Premium Calculator to determine the cost for this coverage: If you elect the 30 day plan, benefits from day 30 to day 90 will be paid on a weekly basis to a maximum of $3,462 under a Short Term Disability policy. After 90 days of disability, benefits are paid monthly through a Long Term Disability plan as described above.

Enrollment

Eligible employees (excludes Temporary) may enroll during their first 90 days of employment or during open enrollment periods for the Gabor Long Term Disability plans. Late enrollment can be done outside of these time frames with evidence of insurability. Enrollment forms are available in the HR Forms Library or from the Gabor Agency.

New Hires

This plan is available guaranteed issue (no medical exam required) for new employees during their first 90 days of employment.

Existing Employees

Late enrollment can be done outside of these time frames with evidence of Insurability.  Enrollment forms are available in the HR Forms Library or from Gabor directly.