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Marketplace Notice: Please review the new Health Insurance Marketplace document for more information about employment-based health coverage offered by the state of Florida, should you choose not to enroll through the State Group Insurance Program.

 

CVS Caremark will manage your prescription benefits like your health insurance company manages your medical benefits. That means helping you get the medication you need and helping you find ways to save.

Health Insurance Plans

Health insurance coverage is available to all budgeted faculty, administrative, support, and eligible non-budgeted employees at the University of North Florida. Employees have 60 calendar days from their hire date to enroll in a State Group Insurance Program health insurance plan. Plan changes are only made during the annual open enrollment period or due to an approved qualifying status change. To enroll in a new plan or make changes to your current health plan, if eligible, please contact the Office of Human Resources at (904) 620-2903 and ask to speak with a member of the Benefits and Retirement team.


You can also sign-up for a State Group Insurance Program health insurance plan online through People First or by contacting the People First Service Center at 866-663-4735.

Note: 

  • If you enrolled online or through the People First Service Center, please contact the Office of Human Resources at (904) 620-2903 and ask to speak with a member of the Benefits and Retirement team so that the premium deductions are set up on a per pay period basis to avoid any premium payment delinquencies that may cause your plan to become inactive. 
  • UNF employees whose spouse also works for the State of Florida may qualify for health insurance coverage at a reduced cost. Please refer to the Spouse Program page on the MyBenefits webpage for more information. 
  • All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program health insurance plan will have their deductions doubled starting with the first paycheck in February through the first paycheck in May. Refer to the Nine-Month Faculty Benefits page for more information. 
  • Dependent Eligibility Verification - must be satisfied for all dependents upon enrollment into a state plan within the grace period, or dependents could lose coverage. Please be sure to read all People First correspondence as it may relate to keeping active benefits coverage for your dependents.

UNF offers the following health insurance coverage:
Preferred Provider Organization | Health Maintenance Organization | Health Investor Health Plan

 

  

Preferred Provider Organization (PPO)

Standard PPO coverage provides flexibility in choosing both network and non-network providers. The deductibles and coinsurance out-of-pocket costs will be less when visiting an in-network provider. A summary of the Standard PPO plan is below. For complete plan details and a plan comparison chart, please visit the myBenefits website.

Preferred Provider Organization (PPO) Plan Summary

 

*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

 

Network Coverage:

In-Network:

(You will pay the least)

Out-of-Network:

(You will pay the most)

Annual Deductible:

Employee: $250

Family: $500

Employee: $750

Family: $1,500

Coverage:

United States

Worldwide

Co-Payments:

Primary Care: $15/visit

Specialist: $25/visit

Hospital: 20% Coinsurance + $250 Per Admission Deductible

Primary Care and Specialist:  40% Coinsurance + amount above allowance

Hospital: 40% Coinsurance + $500 Per Admission Deductible + amount above allowance

Prescriptions:

Generic: $7

Preferred brand: $30

Non-preferred brand: $50

(Mail order, 90-day-supply prescriptions also available)

You pay in full, file a claim, and will not get reimbursed the entire amount.

 

 

Health Maintenance Organization (HMO) 
Standard HMO coverage offers benefits through network providers without deductible or coinsurance out-of-pocket costs. Non-network providers do not provide covered services. A summary of the Standard HMO plan is below. For complete plan details and a plan comparison chart, please visit the myBenefits website.

Health Maintenance Organization (HMO) Plan Summary

*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee.

 

Network Coverage: Network: Out-of-Network:

Annual Deductible:

None

No coverage for out-of-network**

Coverage:

Open Access

No coverage for out-of-network**

Co-Payments:

Primary Care: $20/visit

Specialist: $40/visit

Hospital: $250/admission

No coverage for out-of-network**

Prescriptions:

Generic: $7

Preferred brand: $30

Non-preferred brand: $50

(Mail order, 90-day-supply prescriptions are available)

No coverage for out-of-network**

 

Health Investor Health Plan (HIHP) 

HIHP high deductible coverage gives you either PPO or HMO coverage at a reduced premium for the trade-off of an increased out-of-pocket cost. A summary of the HIHP high deductible PPO and HMO plan is below. For complete plan details and a plan comparison chart, please visit the  myBenefits website.

Health Investor Health Plan (HIHP) Plan Summary
 
HIHP PPO
*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may be higher. Contact the Office of Human Resources at (904) 620-2903 to calculate the employee contribution for a part-time employee. 

Network Type: Network: Out of Network:
Annual Out-of-Pocket Maximum:

Employee Only Coverage: $3,000

Family Coverage: $6,000

N/A

Annual Deductibles:

Employee Only Coverage: $1,250

Family Coverage: $2,500

Employee Only Coverage: $2,500

Family Coverage: $5,000

Medical Care: 20% of network-allowed amount after annual deductible is met. 40% of non-network-allowed amount 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.

Prescriptions:

Generic: 30%

Preferred Brand: 30%

Non-Preferred Brand: 50%

Member pays in full and files a claim.

HIHP HMO

*Premium deductions take place on a biweekly basis. To calculate the amount 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 employee contribution amounts may 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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