College of Dentistry – Residents & Housestaff

State of Florida health benefits are available to temporary employees who work an average of 30 hours per week or more (.75 FTE). Eligibility for the first year of employment is determined by full-time equivalency (FTE) at hire. To maintain eligibility during subsequent years, employees must work an average of 30 hours per week throughout the annual Open Enrollment measurement period, which is verified in October.

GatorCare and UFSelect plans are available to employees who work at least 20 hours per week or more (.50 FTE).



   Retirement

Employees are automatically enrolled in the following plan:

  • FICA Alternative 401(a) Plan: A defined-contribution plan for temporary employees in lieu of earning Social Security credits. The benefit depends on the amount of money contributed to the employee’s account and its growth over time. Employee contribution is mandatory at 7.5%, and there is no employer matching for this plan. Investment fund choices may be managed through Fidelity Investments.

Employees may choose to enroll in these plans to supplement their retirement:

  • State of Florida Voluntary 457 Deferred Compensation Plan: Retirement savings plan that allows employee contributions and earnings to grow tax-deferred. Funds are taxed as income when withdrawn from the plan. This plan has a separate IRS contribution limit from the 403(b) plans, and there is no employer matching for contributions.
  • Fidelity Voluntary 403(b) Plans: Retirement savings plans intended to supplement retirement income from a state plan or to act as stand-alone plans. There is no employer matching for contributions to these plans. Tax-deferred and post-tax Roth options are available, and contributions may be modified at will by contacting Fidelity Investments.

 



   Medical Plans

State of Florida (Pre-Tax)

The state offers a range of medical insurance benefits to employees who work an average of 30 hours per week or more (.75 FTE).

  • Standard and High Deductible PPO plans are provided by Florida Blue.
  • Standard and High Deductible HMO plan providers vary by region. Aetna provides service for Alachua County.
  • Optum Rx is the pharmacy manager for all state plans.

GatorCare

GatorCare medical insurance benefits are available to employees who work 20 hours per week or more (.50 FTE). GatorCare Premium monthly premiums, including dependent coverage, are paid by COD for eligible Residents and Housestaff who choose to enroll.

 



   Dental Plans

Before enrolling in a dental plan, it is essential to understand the coverage details and provider network. Dental coverage and costs can vary significantly between plans, and many have waiting periods before more advanced treatments or orthodontia services will be covered. Please review these dental plans carefully and choose the one that best suits your upcoming needs.

Confirm your coverage and payment responsibilities with your dentist or dental company before treatment to avoid unexpected expenses. For assistance, contact the respective plan administrators.

State of Florida (Pre-Tax)

The state offers various dental insurance plans, including Prepaid (DHMO), Standard PPO, and Indemnity PPO options, to employees who work an average of 30 hours per week or more (.75 FTE).

UFSelect Eagles Direct Reimbursement Plan (Post-Tax)

The University of Florida offers the Eagles Direct Reimbursement Dental Plan to employees who work 20 hours per week or more (.50 FTE). Eagles Dental is not a dental insurance plan and does not provide pre-negotiated cost reductions, simply reimbursement for expenses. It is available for use at all dental offices and may be chosen as stand-alone coverage or in addition to a state plan to cover costs beyond the insurance’s maximum annual benefit.

 



   Vision Plans

For each vision plan chosen, employees may select coverage for either glasses or contacts. Employees may enroll in both plans to use one for contacts and the other for glasses.

State of Florida (Pre-Tax)

The state offers vision insurance through Humana to employees who work an average of 30 hours per week or more (.75 FTE).

UFSelect (Post-Tax)

The University of Florida offers UFSelect Humana vision insurance to employees who work 20 hours per week or more (.50 FTE). Costs and benefits are similar to the state plan.

 



   Life and Disability Plans

State of Florida (Pre-Tax)

The state offers basic term life insurance and short-term disability insurance to employees who work an average of 30 hours per week or more (.75 FTE). As with the other optional plans, employees will pay the full premium for basic life insurance.

UFSelect

UFSelect benefits are available to employees who work 20 hours per week or more (.50 FTE). Upon hire, all eligible Residents and Housestaff are automatically enrolled in the COD life, AD&D, and long-term disability insurance plans through The Standard. These plans are paid for by COD.

 



   Other Supplemental Plans

State of Florida (Pre-Tax)

The state offers employees who work an average of 30 hours per week or more (.75 FTE) the opportunity to enroll in supplemental health plans, including accident insurance, cancer insurance, hospitalization insurance, and more.

UFSelect Preferred Legal Plan (Post-Tax)

For employees who work 20 hours per week or more (.50 FTE), UFSelect offers a legal plan that provides low-cost access to comprehensive legal assistance, advice, and services for the employee and their household. Some services include identity theft protection and restoration, credit repair, legal document review, will drafting, and dispute resolution.

 



   Savings and Spending Accounts (FSA/HSA)

To employees who work an average of 30 hours per week or more (.75 FTE), the state offers reimbursement accounts that can provide a tax break on predictable out-of-pocket costs.

  • Flexible Spending Account (FSA): Contribute pre-tax money on each paycheck for eligible expenses. Healthcare and dependent care FSAs are available with different annual maximums and rollover amounts.
  • Health Savings Account (HSA): Available only to members of a high-deductible health plan. The state contributes pre-tax money to an employee’s account on each paycheck. Employee pre-tax contributions are optional. All funds will roll over from year to year and remain available even after the end of employment.

 



   Time Away

Please contact HR@dental.ufl.edu for information on Time Away/Leave.

 



   To Enroll

For enrollment walkthrough guides, visit Benefits Enrollment.

State of Florida Plans

  • To Enroll: Log into your State of Florida People First account using your People First user ID and password. Your People First ID is available in myUFL at: Main Menu > My Self Service > Benefits > PFID & Beneficiary Info.
  • For Assistance: Contact the People First Service Center at (866) 663-4735.

UFSelect and GatorCare Plans