Health Insurance Plans
Health insurance coverage is available to all faculty, administrative and support staff employees at the University of North Florida. A portion of the premium is paid by the University, greatly reducing your cost. Employees have 60 calendar days from their date of hire to enroll in a health insurance plan. Plan changes are able to be made only during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your health insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. Enrollment forms may be mailed or faxed to (904) 620-2742 if an appointment is not needed.
UNF employees whose spouse also works for the State of Florida may qualify for health insurance coverage at a reduced cost. Refer to the spouse program page for more information.
UNF offers the following health insurance coverage:
Preferred Provider Organization | Health Maintenance Organization | Health Investor Health Plan
PPO coverage gives you flexibility in choosing both network and non-network providers. Deductibles and coinsurance out-of-pocket costs do apply for PPO coverage but are reduced for network providers. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myHealth web page.
Insurance Carrier:
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Blue Cross and Blue Shield of Florida
Phone: (800) 825-2583
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Monthly Premiums:*
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Employee Only Coverage:
Employee Contribution: $50.00
UNF Contribution: $499.80
Total Contribution: $549.80
Family Coverage:
Employee Contribution: $180.00
UNF Contribution: $1,063.34
Total Contribution: $1,243.34
Spouse Program Coverage:
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,243.32
Total Contribution: $1,273.32
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Network:
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Non-Network:
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Annual Deductible:
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Employee: $250
Family: $500
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Employee: $750
Family: $1,500
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Coverage:
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United States
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Worldwide
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Co-Payments:
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Primary Care: $15/visit
Specialist: $25/visit
Hospital: $250/admission, then 20% of network allowed amount for other covered services
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Primary Care and Specialist: 40% of allowance, plus difference.
Hospital: $500/admission then 40% of non-network allowed amount for other covered services
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Prescriptions:
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Generic: $7
Preferred brand: $30
Non-preferred brand: $50
(Mail order, 90-day-supply prescriptions also available.)
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Pay in full and file a claim
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Notes:
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This plan has a pre-existing condition provision that applies before covered services are paid relating to prior medical conditions. Please review the plan brochure or state of Florida's web site for more information or details on how to request a pre-existing condition provision waiver.
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Preferred Provider Organization (PPO) plan summary
*Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.
*The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts will be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.
HMO coverage offers you benefits through network providers without deductible or coinsurance out-of-pocket costs. There are no benefits provided through non-network providers. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myHealth web page.
Insurance Carrier:
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AvMed
Phone: (888) 762-8633
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Monthly Premiums:*
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Employee Only Coverage:
Employee Contribution: $50.00
UNF Contribution: $499.80
Total Contribution: $549.80
Family Coverage:
Employee Contribution: $180.00
UNF Contribution: $1,063.34
Total Contribution: $1,243.34
Spouse Program Coverage:
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,243.32
Total Contribution: $1,273.32
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Network:
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Non-Network:
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Annual Deductible:
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None
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No coverage for non-network**
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Coverage:
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Florida
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No coverage for non-network**
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Co-Payments:
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Primary Care: $20/visit
Specialist: $40/visit
Hospital: $250/admission
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No coverage for non-network**
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Prescriptions:
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Generic: $7
Preferred brand: $30
Non-preferred brand: $50
(Mail order, 90-day-supply prescriptions are available.)
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No coverage for non-network**
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Notes:
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- **Benefits will be given through a non-network provider in the event of a life or limb-threatening emergency.
- Referrals are not needed to access specialist services. An employee may self-refer to any physician, specialist or hospital in the network.
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Health Maintenance Organization (HMO) plan summary
* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.
* The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts will be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.
HIHP coverage gives you either PPO or HMO coverage at a greatly reduced premium for the trade-off of an increased out-of-pocket cost. A summary of the plan can be found below. Complete plan details and and a plan comparison chart can be found on the myHealth web page:
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PPO: |
HMO: |
| Insurance Carriers: |
Blue Cross and Blue Shield of Florida
Phone: (800) 825-2583
|
AvMed
Phone: (888) 762-8633
|
| Monthly Premiums:* |
Employee Only Coverage:
Employee Contribution: $15.00
UNF Contribution: $499.80
Total Contribution: $514.80
Family Coverage:
Employee Contribution: $64.30
UNF Contribution: $1,063.34
Total Contribution: $1,127.64
Spouse Program Coverage:
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,097.64
Total Contribution: $1,127.64
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Network: |
Non-Network: |
Network Only: |
| Annual Out-of-Pocket Maximum: |
Employee Only Coverage: $3,000
Family Coverage: $6,000
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Employee Only Coverage: $7,500
Family Coverage: $15,000
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Employee Only Coverage: $3,000 Family Coverage: $6,000
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| Annual Deductibles: |
Employee Only Coverage: $1,250
Family Coverage: $2,500
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Employee Only Coverage: $2,500
Family Coverage: $5,000
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Employee Only Coverage: $1,250 Family Coverage: $2,500
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| Medical Care: |
20% of network-allowed amount after annual deductible is met. |
40% of non-network-allowed amount after annual deductible is met. |
20% of the contracted rate after annual deductible is met. |
| Hospital Stay: |
20% of network-allowed amount after annual deductible is met. |
20% of non-network-allowed amount and $1,000 admission deductible after annual deductible is met. |
20% of the contracted rate after annual deductible is met. |
| Prescriptions: |
Generic: 30%
Preferred Brand: 30%
Non-Preferred Brand: 50%
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Member pays in full and files a claim. |
Generic: 30%
Preferred Brand: 30%
Non-Preferred Brand: 50%
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| Notes: |
A Health Savings Account (HSA) is available for HIHP participants. A HSA is an account owned by the employee and contributions to the account can be used to pay for additional medical expenses. UNF will contribute $41.66 per month ($500 annually) for employee only coverage or $83.33 ($1,000 annually) 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.
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Health Investor Health Plan (HIHP) plan summary
* Premium deductions are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.
* The employee contribution amounts shown above are based on an active, full-time employee. Part-time employees contribution amounts will be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.
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