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Insurance Plans

UNF offers budgeted employees the opportunity to participate in a variety 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.

Health Insurance Plans

Health insurance coverage is available to all budgeted faculty, administrative, support, and certain OPS employees at the University of North Florida. Employees have 60 calendar days from their date of hire to enroll in a health insurance plan. Plan changes can 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. You may also enroll online through People First or by calling the People First Service Center at 866-663-4735.

 

Important Note: If you enroll online or through the People First Service Center, you will need to contact Human Resources and speak with a benefits coordinator to set-up payroll premium deductions.

 

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


Preferred Provider Organization (PPO)

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 website.

Preferred Provider Organization (PPO) plan summary

 

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: 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 and file claim, you will not be reimbursed the full amount.

 

 

*Premium deductions are taken 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 employees 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.


Health Maintenance Organization (HMO)

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.

Health Maintenance Organization (HMO) plan summary

 

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**

 

 

* Premium deductions are taken 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 employees 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.


Health Investor Health Plan (HIHP)

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 website:

Health Investor Health Plan (HIHP) plan summary

PPO

 

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

Employee Only Coverage: $3,000

Family Coverage: $6,000

Employee Only Coverage: $7,500

Family Coverage: $15,000

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.

HMO

 

* Premium deductions are taken 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 employees 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.

Life Insurance Plans

Life 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 the life insurance plan. Plan changes can 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 life insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. You may also enroll online throughPeople First or by calling the People First Service Center at 866-663-4735.

 

Important Note: If you enroll online or through the People First Service Center, you will need to contact Human Resources and speak with a benefits coordinator to set-up payroll premium deductions.

 

UNF offers the following life insurance coverage:

 

Basic Life Insurance | Optional Life Insurance


Basic Life Insurance

Below is summary information about the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Basic life insurance plan details

Insurance Provider:

Minnesota Life Insurance Company/Securian Financial

Phone: (888) 826-2756

Monthly Premium:* No cost for full-time employees.
Coverage Amount:

$25,000

Notes:
  • 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.
 

* Premium deductions are taken on a biweekly basis. To calculate the amount deducted from your paycheck, divide the employee contribution amount by two.

 

* The employee contribution amounts 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.


Optional Life Insurance

Below is summary information about the plan. For complete plan details and a link to the company web site, please visit the myHealth web page.

Optional life insurance plan details

Insurance Provider:

Minnesota Life Insurance Company/Securian Financial

Phone: (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 one to seven times the employee's annual salary is available with a maximum limit of $1,000,000 of coverage.

Notes:
  • 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.
  • Medical underwriting may be required when electing optional life insurance. Underwriting is waived during an employee's first 60 days of employment, as well as during the open enrollment period under certain circumstances.
 

Dental Insurance Plans

Dental insurance coverage is available to all faculty, administrative, support, and certain OPS employees at the University of North Florida. There are several plans to choose from depending on individual and family dental needs. Employees have 60 calendar days from their date of hire to enroll in a dental insurance plan. Plan changes can only be made during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your dental insurance plan, please contact the Office of Human Resources at (904) 620-2903 and schedule an appointment with a benefits coordinator. You may also enroll online through People First or by calling the People First Service Center at 866-663-4735.

 

Important Note: If you enroll online or through the People First Service Center, you will need to contact Human Resources and speak with a benefits coordinator to set-up payroll premium deductions.

 

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 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 myHealth web page.

 

Plan Name:

Humana Schedule B

Phone: (866) 879-3630

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 are taken on a biweekly basis. To calculate the amount deducted from your paycheck, divide the employee contribution amount by two.


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 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 myHealth web page.

 

Plan Name:

Ameritas Indemnity with PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $40.62

Employee + Spouse: $75.32

Employee + Child(ren): $85.76

Employee + Spouse + Child(ren): $123.86

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
 

 

Plan Name:

MetLife Indemnity with PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $47.32

Employee + Spouse: $87.54

Employee + Child(ren): $97.80

Employee + Spouse + Child(ren): $141.98

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
 

 

Plan Name: SunLife Indemnity PPO

Phone: (800) 277-2300

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
 

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 myHealth web page.

 

Plan Name:

Ameritas Preventative PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $24.44

Employee + Spouse: $46.24

Employee + Child(ren): $49.48

Employee + Spouse + Child(ren): $72.50

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
 

 

Plan Name:

Ameritas Standard PPO

Phone: (877) 721-2224

Monthly Premiums:*

Employee Only: $33.72

Employee + Spouse: $63.16

Employee + Child(ren): $70.72

Employee + Spouse + Child(ren): $102.96

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/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
 

 

Plan Name:

MetLife Preventative PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $22.86

Employee + Spouse: $42.28

Employee + Child(ren): $47.24

Employee + Spouse + Child(ren): $68.58

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
 

 

Plan Name:

MetLife Standard PPO

Phone: (844) 222-9104

Monthly Premiums:*

Employee Only: $33.36

Employee + Spouse: $61.72

Employee + Child(ren): $68.96

Employee + Spouse + Child(ren): $100.12

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
 

* Premium deductions are taken on a biweekly basis. To calculate the amount deducted from your paycheck, divide the employee contribution amount by two.


Prepaid 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 myHealth web page.

 

Plan Name:

SunLife Prepaid

Phone: (800) 277-2300

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
 

 

Plan Name:

CIGNA Prepaid

Phone: (800) 244-6224

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
 

 

Plan Name:

Humana HD205

Phone: (866) 879-3630

Monthly Premiums:*

Employee Only: $12.64

Employee + Spouse: $21.20

Employee + Child(ren): $23

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 are taken on a biweekly basis. To calculate the amount deducted from your paycheck, divide the employee contribution amount by two.

 

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Vision Insurance Plans

Vision 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 a vision insurance plan. Plan changes are only able to be made during the annual open enrollment period or as a result of an approved qualifying status change. To enroll or make changes to your vision 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 in or faxed to (904) 620-2742 if an appointment is not needed.


When you enroll, you can tap into an extensive national network of vision care providers once every 12 months for exams and lenses and once every 24 months for frames. You can also use out-of-network vision care providers and submit a claim to receive benefits up to a set allowance based on the type of service.


Below is a summary of the plans. For complete plan details and a link to the company web site, please visit the myHealth web page.

 

Vision Insurance Plan Summary
Insurance Carrier:

Humana Vision Care

Phone: (800) 939-5369

 Exam Plus Materials:
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:

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 are taken on a biweekly basis. To calculate the amount actually deducted from your paycheck, divide the employee contribution amount by two.


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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.myflorida.com and check out the Savings and Spending Accounts and/or see 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 $500 will carry over to the next plan year while any funds in excess of $500 will forfeit.

 

IMPORTANT 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 $2,750 in pretax dollars

$60 to $5,000 in pretax dollars ($2,500 if you're married filing separate tax returns)

$60 to $2,750 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 a child, disabled spouse or qualifying relative who is dependent on you and needs care so that you (and your spouse if you're married) can work.

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).

 

Important considerations to consider before making your FSA choices.

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 or make changes to a post-tax 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 in or faxed to (904) 620-2742 if an appointment is not needed.

 

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. Detailed information about this insurance can be found on the Gabor Website.

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.

The Gabor Agency

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.

The Gabor Agency

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.

The Gabor Agency

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.

The Gabor Agency

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

Hyatt Legal Services

Phone: (800) 821-6400

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 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 a supplemental 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 in or faxed to (904) 620-2742 if an appointment is not needed.

 

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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