Your Family Security
As a part of your total compensation package, the State of Florida offers competitive and comprehensive benefits to meet the needs of employees’ and their dependents. New employees have sixty days from their date of hire to enroll in these plans. Plan changes can also be made during the annual open enrollment period, or if you experience an approved qualifying status change. All enrollments in State-sponsored plans are completed through People First, the State’s third party benefits administrator.
Additional details on all of the State insurance plans are included in the State Benefits Guide.
The State of Florida offers comprehensive health coverage for you and your family through a variety of health plans. Each plan helps you focus on preventative care and wellness. Four different plan options are available to you: Standard PPO, Standard HMO, High Deductible PPO and High Deductible HMO. The HMO provider company varies by region. CVS Caremark is the prescription drug company for all four plans, however costs will vary depending on the plan that you choose.
The State of Florida offers an array of dental plan options and with different levels of coverage. The dental plans are divided into four categories: PPO, Indemnity, Indemnity with PPO and Prepaid. Some plans have limited networks and pay for only services provided by an in-network dental provider, while other plans provide in and out of network coverage. Be sure to verify if your dentist is in network or that there are a variety of choices available that are accepting new patients.
Please review our dental overview for details on plans and monthly premiums.
The State of Florida offers group term life insurance to eligible employees and their dependents through Securian Financial. All benefit earning employees are automatically enrolled in the Basic Life coverage in the amount of $25,000 at no cost to them. Availability for additional coverage includes: optional life insurance, dependent spouse and dependent child coverage.
The State of Florida offers eligible employees three types of reimbursement accounts that provide you a tax break on your out-of-pocket expenses. Options include: health and dependent care flexible spending accounts, health savings accounts and health reimbursement accounts. Annual contribution limits may apply in addition to annual deadlines to use the funds.
For additional information please review the Savings and Spending Comparison Chart.
The State of Florida offers eligible employees supplemental plans that pay benefits directly to you, in addition to the benefit received from your health insurance plan. The employee pays the full premium for any elected plan on a bi-weekly, pre-tax basis. Plans may require medical underwriting and may exclude coverage for pre-existing conditions.
The State of Florida offers a Shared Savings Program to reward you for making informed decisions about your healthcare. The Shared Savings Program is a voluntary program that is available to you and your dependents who are enrolled in a State Group Insurance health plan. The purpose of the Shared Savings Program is to reduce healthcare costs and reward you for making informed and cost-effective decisions about your healthcare.
Florida Gulf Coast University offers Long Term Disability Insurance through Gabor Financial Solutions, underwritten by The Standard Insurance Company, to protect your income in the event you experience an unexpected illness or injury. The coverage replaces 60% of your income tax-free to a maximum of $15,000 per month. Benefits can begin at either 30 days or 90 days.
Optional Life Plans
Florida Gulf Coast University offers Optional Life Insurance through Gabor Financial Solutions, underwritten by either Mass Mutual, The Standard or Symentra, to provide long term financial stability to your family in the event of unfortunate circumstances. Options include: whole life insurance, level term life insurance and group term life insurance. Dependent coverage and portability are options as well.