UNF offers budgeted and eligible non-budgeted employees the opportunity to participate in a selection of voluntary insurance benefit programs.
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
Insurance Carrier:
Phone Number:
|
Florida Blue
(800) 825-2583
|
Monthly Premiums:*
|
Employee Only Coverage:
Employee Contribution: $50.00
UNF Contribution: $763.46
Total Contribution: $813.46
Family Coverage:
Employee Contribution: $180.00
UNF Contribution: $1,651.08
Total Contribution: $1,831.08
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,801.08
Total Contribution: $1,831.08
|
| Notes: |
- This plan uses a provider network. You will pay less if you use a provider in the plan's network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider's charge and what your plan pays (balance billing).
- Please be aware that your network provider may use an out-of-network provider for some services (such as lab work). Check network status with your provider before receiving treatment.
|
*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
Insurance Carrier:
Phone Number:
|
Aetna
(877) 858-6507
|
Monthly Premiums:*
|
Employee Only Coverage:
Employee Contribution: $50.00
UNF Contribution: $763.46
Total Contribution: $813.46
Family Coverage:
Employee Contribution: $180.00
UNF Contribution: $1,651.08
Total Contribution: $1,831.08
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,801.08
Total Contribution: $1,831.08
|
| Notes: |
- Benefits will be given through an out-of-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.
|
*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
Insurance Carrier:
Phone Number:
|
Florida Blue
(800) 825-2583
|
Monthly Premiums:*
|
Employee Only Coverage:
Employee Contribution: $15.00
UNF Contribution: $763.46
Total Contribution: $778.46
Family Coverage:
Employee Contribution: $64.30
UNF Contribution: $1,651.08
Total Contribution: $1,715.38
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,685.40
Total Contribution: $1,715.40
|
| Notes: |
- A Health Savings Account (HSA) is available and required for HIHP participants. People First will automatically open your HSA account once you enroll in a HIHP account. An HSA is an account owned by the employee, and the employee may use accrued HSA contributions to pay for additional medical expenses that may otherwise not be covered by the health plan. 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 employee contribution limit is $3,600/year for single coverage and $7,200/year for family coverage (Limits include the state’s contribution).
- Employees ages 55+ may make catch-up contributions of an additional $1000 each year.
- The HSA earns interest, and the balance will accumulate year after year tax-free until you use it.
- The HSA is yours and will stay with you even after termination. There is no time limit on using the funds.
|
*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
Insurance Carrier:
Phone Number:
|
Aetna
(877) 858-6507
|
Monthly Premiums:*
|
Employee Only Coverage:
Employee Contribution: $15.00
UNF Contribution: $763.46
Total Contribution: $778.46
Family Coverage:
Employee Contribution: $64.30
UNF Contribution: $1,651.08
Total Contribution: $1,715.38
Spouse Program Coverage (both spouses must be benefit-eligible, State of Florida employees):
Employee Contribution: $15.00 (per spouse)
UNF Contribution: $1,685.40
Total Contribution: $1,715.40
|
Network Type:
|
Network Only: |
Annual Out-of-Pocket Maximum:
|
Employee Only Coverage: $3,000
Family Coverage: $6,000
|
Annual Deductibles:
|
Employee Only Coverage: $1,250
Family Coverage: $2,500
|
Medical Care:
|
20% of the contracted rate after annual deductible is met. |
Hospital Stay:
|
20% of the contracted rate after annual deductible is met. |
Prescriptions:
|
Generic: 30%
Preferred Brand: 30%
Non-Preferred Brand: 50%
|
Notes:
|
- A Health Savings Account (HSA) is available and required for HIHP participants. People First will automatically open your HSA account once you enroll in a HIHP account. An HSA is an account owned by the employee, and the employee may use accrued HSA contributions to pay for additional medical expenses that may otherwise not be covered by the health plan. 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 employee contribution limit is $3,600/year for single coverage and $7,200/year for family coverage (Limits include the state’s contribution).
- Employees ages 55+ may make catch-up contributions of an additional $1000 each year.
- The HSA earns interest, and the balance will accumulate year after year tax-free until you use it.
- The HSA is yours and will stay with you even after termination. There is no time limit on using the funds.
|
*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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Life Insurance Plans
Life 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 life 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 life insurance plan or make changes to your current life insurance 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 life 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.
- All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program life insurance plan will have their UNF offers the following life insurance coverage 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 webpage for more information.
UNF offers the following life insurance coverage:
Basic Life Insurance | Optional Life Insurance | Spousal Life | Dependent Life
Basic Life Insurance
A free, basic group term life insurance benefit of $25,000 is available to all full-time budgeted employees. Part-time budgeted employees pay pro-rated premiums based on their FTE. Eligible non-budgeted employees pay the full premium.
Basic Life Insurance Plan Summary
Insurance Carrier:
Phone Number: |
Minnesota Life Insurance Company/Securian Financial
(888) 826-2756 |
| Monthly Premium:* |
Full-Time Coverage:
No cost for full-time employees.
Part-Time Coverage:
Prorated premiums based on FTE.
Eligible Non-Budgeted Coverage:
$3.58 |
| Coverage Amount: |
$25,000 |
| Notes: |
- This insurance only covers the employee.
- Full-time budgeted employees are automatically enrolled in Basic Life Insurance.
- An accidental death and dismemberment benefit and accelerated death benefit are included.
- Death benefits are paid to beneficiaries designated by the employee.
- This life insurance is term coverage with no cash value.
|
*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. Part-time employee premium amounts may be higher. To enroll in a new plan or make changes to your current Basic Life insurance plan, if eligible, or for information regarding part-time premium deductions, please contact the Office of Human Resources at (904) 620-2903 and ask to speak with a member of the Benefits and Retirement team.
Optional Life Insurance
Salaried employees enrolled in basic life insurance coverage can also elect additional term life insurance. Medical Underwriting may be required.
Optional Life Insurance Plan Summary
Insurance Carrier:
Phone Number: |
Minnesota Life Insurance Company/Securian Financial
888) 826-2756
|
| Monthly Premium:* |
Based on a formula using the employee's annual salary and age.
The employee is responsible for the entire premium. |
| Coverage Amount: |
Optional coverage from 1 to 7 times the employee's annual salary is available with a maximum limit of $1,000,000 of coverage.
|
| Notes: |
- Your optional life insurance will increase the month before (for coverage for the month of) your birthday when you change age bands. Your optional life insurance premium will change as the result of a change in annual salary on the effective date of the change in salary.
- Guaranteed issue coverage gives you the option to purchase life insurance without providing evidence of insurability (EOI). Guaranteed issue coverage may be available during annual open enrollment periods, qualified family status changes, and when first eligible to enroll in your life insurance plan.
- If you apply for coverage above the guaranteed amount and are declined due to health reasons, you will still receive the guaranteed amount.
- This insurance only covers the employee.
- An accidental death and dismemberment benefit and accelerated death benefit are included.
- Death benefits are paid to beneficiaries designated by the employee.
- This life insurance is term coverage with no cash value.
- Minnesota life offers enrolled employees a free simple will preparation service.
|
*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Optional Life insurance 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.
Spousal Life
All employees enrolled in basic term life insurance may elect and pay for dependent spouse coverage.
Spousal Life Insurance Plan Summary
Insurance Carrier:
Phone Number: |
Minnesota Life Insurance Company/Securian Financial
888) 826-2756 |
| Monthly Premium: |
Based on the amount of coverage selected.
The employee is responsible for the entire premium. |
| Coverage Amount: |
$15,000 benefit or $20.000 benefit |
| Notes: |
- Dependent spouse coverage is guaranteed issue if elected when the spouse first becomes eligible.
- Medical underwriting to elect or increase coverage after the initial eligibility period is required.
|
*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Spousal Life insurance 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.
Dependent Life
Dependent Life Insurance Plan Summary
Insurance Carrier:
Phone Number: |
Minnesota Life Insurance Company/Securian Financial
(888) 826-2756 |
| Monthly Premium: |
$.85
The employee is responsible for the entire premium. |
| Coverage Amount: |
$10,000 |
| Notes: |
- All employees enrolled in basic term life insurance may elect and pay for dependent child coverage.
- The benefit for this coverage option is $10,000.
- The premium for dependent child coverage is $.85 per month for all eligible children.
- Coverage is guaranteed issuance.
|
*Premium deductions take place on a biweekly basis. To calculate the amount deducted from your paycheck, divide the monthly premium amount by two. The employee premium amounts shown above base on an active, full-time employee. To enroll in a new plan or make changes to your current Dependent Life insurance 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.
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Dental Insurance Plans
Dental 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 date of hire to enroll in a State Group Insurance Program dental 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 dental 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 dental 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.
- All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program dental 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.
UNF offers the following dental insurance plan types:
Indemnity | PPO | Prepaid
Indemnity Dental Plan
With the indemnity dental options, you may receive care from any dentist. You have a deductible to meet and then pay a part of the cost for the services you receive. A summary of the Indemnity dental plan is below. For complete plan details and a plan comparison chart, please visit the myBenefits website.
Humana Schedule B Plan Summary
Insurance Carrier:
Phone Number: |
Humana
(866) 879-3630 |
| Plan Name: |
Humana Schedule B |
Monthly Premiums:*
|
Employee Only: $14.74
Employee + Spouse: $21.96
Employee + Child(ren): $23.30
Employee + Spouse + Child(ren): $37.10
|
| Annual Deductibles: |
$50 per person, 3 per family |
| Annual Maximum: |
$1,000 per person |
| Notes: |
- Receive care from any dentist
- Annual deductible must be met before benefits are paid
- Part of the cost of care must be paid
|
*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.
Indemnity with PPO Dental Plan
With the indemnity dental options, you may receive care from any dentist. You have a deductible to meet and then pay a percentage of the cost for the services you receive. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myBenefits website.
Ameritas Indemnity with PPO Plan Summary
Insurance Carrier:
Phone Number: |
Ameritas
(877) 721-2224 |
| Plan Name: |
Ameritas Indemnity with PPO
|
Monthly Premiums:*
|
Employee Only: $46.50
Employee + Spouse: $86.24
Employee + Child(ren): $98.20
Employee + Spouse + Child(ren): $141.80
|
Annual Deductibles:
|
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
$2,000 per person |
Notes:
|
- Receive care from any dentist
- Annual deductible must be met before benefits are paid
- Part of the cost of care must be paid
- Orthodontia benefits available
|
MetLife Indemnity with PPO Plan Summary
Insurance Carrier:
Phone Number: |
MetLife
(844) 222-9104 |
| Plan Name: |
MetLife Indemnity with PPO |
Monthly Premiums:*
|
Employee Only: $51.92
Employee + Spouse: $96.04
Employee + Child(ren): $107.32
Employee + Spouse + Child(ren): $155.80
|
| Annual Deductibles: |
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
$2,000 per person |
Notes:
|
- Receive care from any dentist
- Annual deductible must be met before benefits are paid
- Part of the cost of care must be paid
- Orthodontia benefits available
|
Sun Life Indemnity PPO Plan Summary
Insurance Carrier:
Phone Number: |
Sun Life
(800) 277-2300
|
| Plan Name: |
Sun Life Indemnity PPO |
Monthly Premiums:*
|
Employee Only: $43.55
Employee + Spouse: $83.61
Employee + Child(ren): $98.83
Employee + Spouse + Child(ren): $130.35
|
| Annual Deductibles: |
Network: $50 per person, 3 per family
Non-Network:
$50 per person, 3 per family
|
| Annual Maximum: |
Network: $2,000 per person
Non-Network:
$1,500 per person
|
Notes:
|
- Receive care from any dentist
- Cost is lower when using network dentists
- Annual deductible must be met before benefits are paid
- Percentage of the cost of care must be paid
- Orthodontia benefits available only to dependents under 19
- Includes indemnity benefits
|
*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.
PPO Dental Plans
With the PPO Dental plan, you may choose to receive care from any dentist although your cost is lower when you use network dentists. You have a deductible to meet and then pay part of the cost for the services you receive. A summary of the plan can be found below. Complete plan details and a plan comparison chart can be found on the myBenefits website.
Ameritas Preventive PPO Plan Summary
Insurance Carrier:
Phone Number: |
Ameritas
(877) 721-2224 |
| Plan Name: |
Ameritas Preventive PPO
|
Monthly Premiums:*
|
Employee Only: $27.98
Employee + Spouse: $52.92
Employee + Child(ren): $56.64
Employee + Spouse + Child(ren): $82.96
|
Annual Deductibles:
|
Network:
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
Non-Network:
Employee: $50:
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
Network: $1,000 per person
Non-Network:
$1,000 per person
|
Notes:
|
- Receive care from any dentist
- Cost is lower when using network dentists
- Annual deductible must be met before benefits are paid
- Percentage of the cost of care must be paid
- No coverage for Type III: Major Services
|
Ameritas Standard PPO Plan Summary
Insurance Carrier:
Phone Number: |
Ameritas
(877) 721-2224 |
| Plan Name: |
Ameritas Standard PPO
|
Monthly Premiums:*
|
Employee Only: $38.60
Employee + Spouse: $72.32
Employee + Child(ren): $80.96
Employee + Spouse + Child(ren): $117.88
|
Annual Deductibles:
|
Network:
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
Non-Network
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
Network/Non-Network $1,500 per person
|
Notes:
|
- Receive care from any dentist
- Cost is lower when using network dentists
- Annual deductible must be met before benefits are paid
- Percentage of the cost of care must be paid
- Orthodontia 12 Month Waiting Period may apply
|
MetLife Preventive PPO Plan Summary
Insurance Carrier:
Phone Number: |
MetLife
(844) 222-9104 |
| Plan Name: |
MetLife Preventive PPO
|
Monthly Premiums:*
|
Employee Only: $25.08
Employee + Spouse: $46.38
Employee + Child(ren): $51.84
Employee + Spouse + Child(ren): $75.24
|
| Annual Deductibles: |
Network/Non-Network:
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
Network/Non-Network: $1,000 per person
|
Notes:
|
- Receive care from any dentist
- Cost is lower when using network dentists
- Annual deductible must be met before benefits are paid
- Percentage of the cost of care must be paid
|
MetLife Standard PPO Plan Summary
Insurance Carrier:
Phone Number: |
MetLife
(844) 222-9104 |
| Plan Name: |
MetLife Standard PPO
|
Monthly Premiums:*
|
Employee Only: $36.60
Employee + Spouse: $67.72
Employee + Child(ren): $75.66
Employee + Spouse + Child(ren): $109.86
|
Annual Deductibles:
|
Network/Non-Network:
Employee: $50
Employee + Spouse or Employee + Child(ren): $100
Family: $150
|
| Annual Maximum: |
Network/Non-Network:
$1,500 per person
|
Notes:
|
- Receive care from any dentist
- Cost is lower when using network dentists
- Annual deductible must be met before benefits are paid
- Percentage of the cost of care must be paid
- Orthodontia 12 Month Waiting Period may apply
|
*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.
Prepaid (HMO) Dental Plans
With prepaid dental plans you must use in-network providers. These plans do not have a deductible and cover most preventive care at no charge. You pay a specific dollar amount for other care you receive. A summary of the plan can be found below. For complete plan details and a plan comparison chart can be found on the myBenefits website.
Sun Life Prepaid (HMO) Plan Summary
Insurance Carrier:
Phone Number: |
Sun Life
(800) 277-2300
|
| Plan Name: |
Sun Life Prepaid (HMO) |
Monthly Premiums:*
|
Employee Only: $14.93
Employee + Spouse: $25.17
Employee + Child(ren): $33.26
Employee + Spouse + Child(ren): $43.54
|
| Annual Deductibles: |
$0 |
| Annual Maximum: |
$0 |
Notes:
|
- Pays benefits only when using network providers
- No deductibles
- Pay a specific dollar amount for care received
- Orthodontia benefits available
|
Cigna Prepaid (HMO) Plan Summary
Insurance Carrier:
Phone Number: |
CIGNA
(800) 244-6224
|
| Plan Name: |
CIGNA Prepaid (HMO)
|
Monthly Premiums:*
|
Employee Only: $24.01
Employee + Spouse: $47.31
Employee + Child(ren): $56.41
Employee + Spouse + Child(ren): $72.06
|
| Annual Deductibles: |
$0 |
| Annual Maximum: |
$0 |
Notes:
|
- Pays benefits only when using network providers
- No deductibles
- Pay a specific dollar amount for care received
- Orthodontia benefits available
|
Humana HD205 (HMO) Plan Summary
Insurance Carrier:
Phone Number:
|
Humana (866) 879-3630
|
| Plan Name: |
Humana HD205 (HMO)
|
Monthly Premiums:*
|
Employee Only: $12.64
Employee + Spouse: $21.20
Employee + Child(ren): $23.00
Employee + Spouse + Child(ren): $32.98
|
| Annual Deductibles: |
$0 |
| Annual Maximum: |
$0 |
Notes:
|
- Pays benefits only when using network providers
- No deductibles
- Pay a specific dollar amount for care received
- Orthodontia benefits available
|
*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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Vision Insurance Plans
Vision 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 date of hire to enroll in a State Group Insurance Program vision 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 vision 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 vision 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.
- All nine-month faculty (who have not elected deferred pay) enrolled in a State Group Insurance Program vision 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.
UNF offers the following vision insurance plan types:
Vision/Exam + Materials
Vision/Exam + Materials
Caring for your eyes is a very important part of your overall health and wellness. That's why the State offers you competitive vision coverage at affordable rates. You have access to one of the largest vision
networks in the United States, with more
than 108,000 access points with independent
optometrists and ophthalmologists and national
retail locations—and every one accepts new
patients. A summary of the vision plan is below. For complete plan details and a plan comparison chart, please visit myBenefits website..
Vision Insurance Plan Summary
Insurance Carrier:
Phone Number: |
Humana Vision Care
(800) 939-5369
|
| Monthly Premiums: |
Employee Only: $6.96
Employee + Spouse: $13.74
Employee + Child(ren): $13.60
Employee + Spouse + Child(ren): $21.36
|
| Frequency: |
Eye Exams: Every 12 months
Lenses: Every 12 months
Frames: Every 24 months
|
| Co-Payments: |
Eye Exams: $10.00
Lenses: $10.00
Frames: $10.00
|
| Notes: |
- Includes exams and materials.
- You will be able to use your benefits
at some of the top names in eye care, including
LensCrafters®, Pearle Vision® and Target
Optical® in addition to the many independent
optometrists and ophthalmologists.
- Members receive a 10% discount off UCR charges at preferred LASIK provider locations and pay no more than $1,800 per eye for the Conventional LASIK procedure and $2,300 per eye for Custom LASIK.
|
*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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Flexible Spending Accounts
The state offers eligible employees three reimbursement accounts (FSAs) that can provide tax breaks on predictable out-of-pocket costs. For more information, visit mybenefits website and check out the Savings and Spending Accounts and review the Savings and Spending Accounts Guide at the bottom of the Resources page. The tax savings calculator is also available to help you decide if the reimbursement accounts are beneficial for you.
If you have a high deductible HMO or PPO plan (HDHP), learn more about opening a Health Savings Account (HSA).
Chard Snyder is the administrator for all savings and spending accounts.
Carryover
For the healthcare FSA and limited purpose FSA, December 31st is the last day to incur claims for the current plan year, and you must submit all claims by April 15th of the following plan year. If you have funds remaining at the end of the current plan year, a maximum of $570 will carry over to the next plan year while any funds in excess of $570 will forfeit.
Note:
The carryover does not apply to the dependent care FSA. For the dependent care FSA, the grace period to use funds ends March 15th of the next plan year and you must submit all claims by April 15th of the next plan year. Otherwise, you will lose any remaining money.
Flexible Spending Account Plan Summaries
| Type |
Healthcare FSA: |
Dependent Care FSA: |
Limited Purpose FSA: |
| Employee Contribution Limits |
$60 to $2,850 in pretax dollars
|
$60 to $5,000 in pretax dollars ($2,500 if you're married filing separate tax returns) |
$60 to $2,850 in pretax dollars
|
Use For:
|
Out-of-pocket medical, prescription, dental, vision and over-the-counter medication expenses not paid by insurance or reimbursed from any other source. |
Care for children under the age of 13 or a dependent age 13 and older who live with you at least 8 hours a day and who need supervised care, such as an elderly parent or spouse with a disability.
|
Out-of-pocket dental, vision and over-the-counter medication expenses not paid by insurance or reimbursed from any other source. Not available for medical expenses.
|
When is Money Available?
|
The total amount of your annual election is available January 1 (for open enrollment) or on your enrollment date (for new hires or if you have an appropriate Qualifying Status Change (QSC) event).
|
Money is added to your account after each payroll deduction. You may use only the amount you have in your account at the time.
|
The total amount of your annual election is available January 1 (for open enrollment) or on your enrollment date (for new hires or if you have an appropriate Qualifying Status Change (QSC) event).
|
| Submitting Claims |
December
30th of each year is the last day to incur claims for the current plan
year, and you must submit all claims by April 15th of the following year. Otherwise, if you have funds remaining at the end of the current year,
a maximum of $570 will carry over to the next plan year,
while any funds in excess of $570 will forfeit. |
March 15th of each year is the last
day to incur claims for the previous plan year, and you must
submit all claims by April 15th. Otherwise, you lose any
remaining money. |
December 30th of each year is the last day to incur claims for the current plan year, and you must submit all claims by April 15th of the following year. Otherwise, if you have funds remaining at the end of the current year,
a maximum of $570 will carry over to the next plan year,
while any funds in excess of $570 will forfeit. |
Important considerations to consider before making your FSA choices.
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Post-Tax Insurance Plans
Post-tax insurance plans are available to all faculty, administrative and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in post-tax insurance plans. Some insurance plans allow plan changes throughout the year while others only allow changes during an open enrollment period. To enroll in a new post-tax insurance plan or make changes to your current post-tax insurance 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.
Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.
Note:
- If you mailed or faxed your enrollment forms, 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.
Post Tax Insurance Plan Summary
| Name: |
Plan Summary |
Insurance Providers: |
| Long Term Disability: |
Long-term disability replaces 60% of your income tax-free to a maximum of $15,000 per month. For complete plan details, please visit the Gabor Financial Solutions website or contact one of the representatives on the participating investment companies web page.
NOTE: This plan will not cover any disability that results from a pre-existing condition in the first 12 months after the effective date of coverage.
|
Gabor Financial Solutions
Phone: (800) 330-6115
|
| Long Term Care: |
Long-term care insurance provides coverage to individuals who are unable to perform at least two activities of daily living or to someone who has severe cognitive impairment. This coverage may be used to cover expenses relating to care in a skilled nursing facility or home-based care.
|
Gabor Financial Solutions
Phone: (800) 330-6115
|
| Level Term Life Insurance: |
Level Term Life Insurance is the least expensive form of life insurance available. Underwritten by Symetra Life Insurance Company. This plan features easy payroll deduction, competitive pricing, predictable premiums, customized and portable coverage.
|
Gabor Financial Solutions
Phone: (800) 330-6115
|
| Whole Life Insurance: |
Whole Life Insurance with Mass Mutual offers three important guarantees: Guaranteed Death Benefit, Guaranteed Level Premium and Guaranteed Increase in cash value. This plan features easy payroll deduction, predictable premiums and portable coverage. Employees may apply for up to $250,000 in coverage. Spouses and children can also be insured.
|
Gabor Financial Solutions
Phone: (800) 330-6115
|
| Legal Insurance: |
Legal insurance provides assistance with adoptions, wills and trusts, real estate, administrative hearings, attorney office work and matrimonial matters, among other things. |
U. S. Legal Services
Phone: (800) 356-5297
|
Supplemental Insurance Plans
Supplemental insurance coverage is available to all faculty, administrative, and support staff employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in supplemental insurance plans. Plan changes can be made only during the annual open enrollment period or as a result of 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.
Enrollment forms may be mailed in or faxed to (904) 620-2742 if an appointment is not needed.
Notes:
- If you mailed or faxed your enrollment forms, 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.
Capital Insurance has developed updated portals for New and Existing/Retiring employees:
- New Employees - New employee pre-tax benefit packet that includes all of the Aflac, Cigna, MetLife, and Humana benefits forms.
- Existing & Retiring Employees- Retirement Benefits Packet that guides and enables exiting and retiring employees to continue any insurance plans they may currently have with Capital Insurance Agency.
Supplemental Insurance Plan Summary
| Benefit Summary: |
Insurance Providers: |
Contact |
| Accident Insurance: |
Help you pay the following types of expenses when injured during a covered accident:
- Expensive medical treatment for broken bones and dislocations, or physical therapy
- Crutches, wheelchairs or other medical aids you may need as a result of your accident
- Copayments and deductibles
|
Colonial Insurance Company Phone: (888) 899-4135
|
| Cancer Insurance: |
Depending on the plan you choose, supplemental benefits for:
- Cancer diagnosis and treatment, including certain screening tests
- Procedures and treatments you may require to care for your cancer
|
AFLAC (through Capital Insurance Agency)
Phone: (800) 780-3100
Colonial Insurance Company
Phone: (888) 899-4135
|
| Disability Insurance: |
Helps supplement your income during short-term disability. |
Colonial Insurance Company Phone: (888) 899-4135
|
Hospitalization Insurance:
|
- Deductible
- Room and board
- Special hospital facility charges
- Home health care
- Daily benefit for hospital confinement
|
Cigna (through Capital Insurance Agency)
Phone: (800) 780-3100
New Era (through State Securities)
Phone: (800) 277-2300
|
| Intensive Care Insurance: |
Daily benefit for confinement in a hospital intensive care or a sub-acute intensive care unit. |
AFLAC (through Capital Insurance Agency)
Phone: (800) 780-3100
Colonial Insurance Company
Phone: (888) 899-4135
|
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