Health Benefits

   Medical Plans

State of Florida (Pre-Tax)

The state offers a range of medical insurance benefits to eligible State of Florida employees and retirees. Part-time employees are eligible but will pay an increased premium based on their full-time equivalency (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.

If you and your spouse both work for a State of Florida agency, you may be eligible to participate in the state’s Spouse Program and pay less for medical insurance.

GatorCare

GatorCare medical insurance benefits are generally available only to employees who work 20 hours per week or more (.50 FTE) and cover a domestic partner. Please visit Benefits Eligibility to view coverage options specific to your role.

GatorCare has recently issued an update for 2024 Medicare Creditable Coverage. If you are a member of GatorCare, please review this information.

   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 both full-time and part-time employees.

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 both full-time and part-time employees.

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

The state pays for basic term life insurance for full-time employees. Part-time employees are eligible but will pay a partial premium based on their FTE. The state also offers optional short-term disability insurance and supplementary optional term life insurance to both full-time and part-time employees.

UFSelect

UFSelect benefits are available to employees who work 20 hours per week or more (.50 FTE). Plans include optional term life insurance and long-term disability insurance.

   Other Supplemental Plans

State of Florida (Pre-Tax)

   Savings and Spending Accounts (FSA/HSA)

The state offers eligible full-time and part-time employees 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.

Benefits

• Save on taxes by using the Reimbursement Accounts for eligible expenses.
• Enjoy the flexibility to pay for medical, dependent care, and transit expenses with pre-tax dollars.
• Reduce your taxable income, resulting in potential tax savings.

How It Works

1. Enroll in the Reimbursement Accounts during the annual Open Enrollment period or your new hire enrollment.
2. Decide how much money to contribute to each account based on your estimated expenses for the year.
3. Use the funds from the accounts to pay for eligible expenses throughout the year.
4. Save your receipts and documentation for eligible expenses as required.
5. Enjoy the tax benefits and potential savings!