Human Resource Services
Health Insurance and Health Investment Plans
The State of Florida offers the following health plan options:
PPO | HMO | Health Investment Plan
Special plans designed for spouses and domestic partners are also available:
- Spouse Program (offered through the state of Florida)
- Domestic Partner Program (offered through UF)
State Employees' PPO Plan
Below is summary information about the plan. For complete plan details and for comparison purposes, please visit the the MyBenefits section of MyFlorida's web site.
This plan is offered through Blue Cross/Blue Shield of Florida.
Biweekly |
Employee: $25.00 Family: $90 |
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Network |
Non-Network |
Deductible** |
$250/individual/year |
$750/individual/year |
Coverages |
Coverage area: United States |
Coverage area: Worldwide |
Co-Pay |
Primary Care: $15/visit Specialist: $25/visit |
40% of allowance, plus difference |
Hospital Stay |
$250/admission then 20% of |
$500/admission then 40% of |
Prescriptions |
Generic: $10 retail / $20 mail order Preferred brand: $25 retail / $50 mail order Non-preferred brand: $40 retail / $80 mail order |
Pay in full and file a claim |
Comment |
This plan has a pre-existing condition provision which applies before covered services are paid relating to prior medical conditions. Please review the plan brochure or state of Florida’s website for more information or details on how to request a pre-existing condition provision waiver. For additional questions about the plan call Blue Cross, Blue Shield at 1-800-825-2583. |
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How to enroll |
Choose one of the following ways to enroll:
Be sure to retain a record of your transactions. If an early effective is requested for coverage, please contact the benefits office at 392-2477 regarding payment of premiums. |
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* Employees whose full-time equivalency (FTE) is not 1.00 should contact University Benefits for exact premium amounts.
**Physician’s office visits are not subject to the calendar-year deductible.
Health Maintenance Organizations (HMOs)
Below is summary information about the plan. For complete plan details and for comparison purposes, please visit the MyBenefits section of MyFlorida's web site.
This plan is offered through the following providers:
Biweekly |
Employee: $25.00 |
Family: $90.00 |
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Deductible |
None |
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Co-Pay |
PCP Office visit: $15 |
Specialist: $25
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Coverages |
Regional coverage area. If outside of coverage area, must be life or limb threatening. However, HMOs serving employees in more than one service area will provide coverage to dependents residing in a different county if it is part of the HMO’s service area. |
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Hospital Stay |
$250/admission |
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Prescriptions |
Generic: $10 retail / $20 mail order Preferred brand: $25 retail / $50 mail order Non-preferred brand: $40 retail / $80 mail order |
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Comment |
This plan does not have a pre-existing condition provision, which means that payment for covered services relating to prior medical conditions are covered from the effective date of the plan. Review the plan brochure or State of Florida’s web site for more information on covered services. For additional questions about a particular HMO vendor, please contact the company directly. |
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| How to enroll | Choose one of the following ways to enroll:
Be sure to retain a record of your transactions. If an early effective is requested for coverage, please contact the benefits office at 392-2477 regarding payment of premiums. |
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* Employees whose full-time equivalency (FTE) is not 1.00 should contact University Benefits and Retirement for exact premium amounts.
Health Investor Plans (HMO or PPO)
Below is summary information about the plan. For complete plan details and for comparison purposes, please visit the appropriate section of the MyFlorida My Benefits web site:
This plan is offered through the following providers:
- AvMed (HMO)
- Blue Cross/Blue Shield of Florida (PPO)
- United Healthcare (HMO)
- Vista (HMO)
PPO
HMO
Biweekly
premium*Individual
Employee $7.50
UF contribution $224.34
Family
Employee $32.15
UF contribution $473.87
Individual Employee $7.50
UF contribution $224.34
Family
Employee $32.15
UF contribution $473.87Deductible
In network
Non-network
In network only
$1,250 (individual)
$2,500 (family)$2,500 (individual)
$5,000 (family)$1,250
$2,500Annual out-of-pocket maximum
$3,000 (individual)
$6,000 (family)$7,500 (individual)
$15,000 (family)$3,000 (individual)
$6,000 (family)
After the deductible is met, you pay: Medical Care
20% of the network-allowed amount
40% of the non-network-allowed amount 20% of the contracted rate
Hospital Stay
No admission deductible, but subject to annual deductible + 20% for other covered services
$1,000 admission deductible + annual deductible + 20% 20% of the contracted rate
Prescription Drugs
Generic and brand: 30%
Non-preferred brand: 50%
Member pays in full and fills claim Generic and brand: 30%
Non-preferred brand: 50%
The Health Savings Account and Limited Medical Reimbursement Account are plans available to employees electing to choose the Health Investor Plan. Health Savings
Account (HSA)An account owned by the employee where contributions to the account can be used to pay for additional medical expenses. The employee can make contributions to the account on a pre-tax basis, and the state will contribute $41.66 per month for individual coverage (or $83.33 for family coverage), for full-time employees.
The HSA earns interest and can be carried over from one year to the next. The HSA is also portable, meaning that the account is still owned by the employee after termination of employment.
Comments The PPO Health Investor has a pre-existing condition provision. Coverage is available across the U.S. and world wide.
The HMO Health Investor does not have a pre-existing condition provision. Coverage is regional based on the plan’s network.
How to Enroll Choose one of the following ways to enroll:
- Enroll online via the People First (PF) web site.
- Call PF at 1-866-663-4735 to enroll or make a change by phone.
- Mail your form or fax it to PF at 904-828-6092.
- Attend the UF Benefits’ Group Enrollment Session for assistance with completing your online enrollment with People First.
Be sure to retain a record of your transactions. If an early effective is requested for coverage, please contact the benefits office at 392-2477 regarding payment of premiums.
* Employees whose full-time equivalency (FTE) is not 1.00 should contact University Benefits and Retirement for exact premium amounts.
Spouse Program
Spouses who both work for a state governmental agency (including the University of Florida) and are on the state of Florida's payroll are eligible to enroll in the state's spouse program, which provides health insurance coverage. This program combines the state's matching portion of each member's insurance premium. This, in turn, has the effect of providing health insurance at no cost to these employees—provided both employees are appointed full-time and are in benefits-eligible positions. Any changes related to work/life events—such as birth/adoption, divorce, termination, leave of absence, or change in FTE—must be reported to Human Resource Services within 31 days of the event. During this time, health coverage may be converted or dropped in order to prevent the underpayment of premiums and/or cancellation of coverage.
Biweekly premiums*
Based on 2 full-time spouses
Each employee: $0
Each agency’s contribution: $281.94
Total: $563.87
Based on a full-time (FT) & a part-time (PT) .50FTE spouse
FT employee: $0
FT agency contr.: $281.94
PT employee: $140.97
PT agency contr.: $140.96
Total: $563.87
Comments Part-time employee premiums will vary based on the hours worked. Contact the Benefits office on specific cost.
Employees may select one of the state health options: PPO, HMO, Health Investor PPO or Health Investor HMO.
How to Enroll Choose one of the following ways to enroll:
- Complete a Spouse Program Enrollment, Health Enrollment and a Qualifying Status Change form (based on certain work/life events) and either mail or fax the forms to People First at 904-828-6092.
- Attend the UF Benefits’ Group Enrollment Session for assistance with completing your enrollment forms which will be sent to People First.
Be sure to retain a record of your transactions. Contact the Benefits office at 392-2477 regarding your change so that the proper employer contribution or employee premium can be collected.
Domestic Partner Program
Below is summary information about the plan. For further details and forms, please click here.
Biweekly
premiums*Rates as of 1/1/2010
Family: $90.00
UF contribution:
$526.54Total: $ 616.54
Family: $90.00
UF contribution: $532.72
Total: $622.72
Deductible
Network: AvMED Choice
Network: AvMED
Expanded & PHCS
Network: Out-of Network
$500
$1,000
$2,000
Co-Pay for Office Visit
AvMED Choice
AvMED Expanded & PHCS
Out-of Network
Network Primary Care: $10
Network Specialist: $25
Network Primary Care: $20
Network Specialist: $40
Primary and Specialist visits: 40% of UCR charge
after the deductible
Coverages
Regional coverage area, choice network area, and out of network area through the United States
Comment
No pre-existing condition
Available to both same- and opposite-sex partners as well as children of the employee and partner. Under IRS regulations, premiums for the domestic partner are not eligible for a total pre-tax deduction. Therefore, the employee’s premium will be split deducting $50.00 pre-tax plus $130.00 post tax for a total of $180.00/month for family coverage. The IRS requires that the value of the “employer” portion paid on behalf of the domestic partner be considered taxable to the employee, UF will adjust for taxes taken on this portion of the premium on the employee enrolled in the plan to compensate for the tax impact.
Partner Program: Employees with domestic partners who work for the University of Florida and are in full-time benefits eligible positions are able to enroll in UF’s Partner Program. Coverage is provided at no cost to either employee.
Current employees seeking to change from the “state” health plan to the “UF” domestic partner plan and vice versa may only make this change during the annual open enrollment period. NOTE: Those currently enrolled in the domestic partner plan who is considering retirement should consult the benefits office at least a year ahead to coordinate this change during the next open enrollment period. The UF domestic partner plan cannot be converted into retiree coverage.Part-time employees pay rates based on the FTE worked. If you go on a leave of absence or have a reduction in FTE, please contact the benefits office to discuss options for continuation or cancellation of coverage.
How to Enroll
Visit University Benefits and Retirement at 903 W. University Avenue, Gainesville, FL or call 352-392-2477.
* Employees whose full-time equivalency (FTE) is not 1.0 should contact University Benefits and Retirement for exact premium amounts.