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New Dental Plan information below PLEASE READ CAREFULLY
For coverage beginning January 1, 2017
MEDICAL & DENTAL INSURANCES
Palm Beach County Firefighters Employee Benefits Fund
WHEN: NOVEMBER 1, 2016—NOVEMBER 30, 2016
All employees if Palm Beach County Fire Rescue are eligible to participate in the Palm Beach County Firefighters Employee Benefits Plan. Once a year the Board of Trustee’s sets a period of time during which any eligible person may elect to start, end or change coverage’s and which dependents shall be covered under the plan without the need of a qualifying event. A qualifying event is defined as marriage, divorce, birth, and certain changes to coverage through a spouse’s employer or death. Changes to enrollment status in the plan may take place at any time during the year with a qualifying event, but only during Open Enrollment without a qualifying event.
The reason that changes to coverage without a qualifying event are limited to one specific time period per year is to maintain our IRS cafeteria plan status (pre-tax premium status). During Open Enrollment participants of the Fund, or eligible participants, may make changes to enrollment status in either the Medical or Dental Plans or both.
*** If nothing has changed with you or your dependents,
then no actions are required of you, existing coverage will
remain the same.
Forms necessary to make any changes are located online at www.MyFFBenefits.com at the top of the page under the header titled “Forms”. It is important that you take your time and complete the form carefully. Please make sure to include your cell phone number and email address so that we may contact you in the event that we need additional information or forms. Once the forms are completed you may fax or email them to the fund.
Like October is the month that everyone should check their smoke detectors, November is the month when everyone should confirm their beneficiaries on their Life Insurance policies. If you haven’t confirmed lately who is your beneficiary take a moment to e-mail us or call and let’s check on that for you. Life Insurance is provided for all bargaining unit employees (whether covered for medical or not) and all other employees that are participants in the Benefits Fund. Coverage’s provided are $100,000 for active employees, $50,000 for retirees, and $25,000 for retirees over the age of 70.
Should you have any questions please call Rick Rhodes or Tamara Fitzpatrick at the fund office Mon – Fri 8-4:30 pm.
Medical & Dental Plan Changes for 2017
No Premium Changes for 2017
Specialist Office Visit Co-Payment Reduced to $40
Prescription Drug Co-Pay’s reduced as follows:
Generics reduced to $15 30 day retail, $30 for 90 day supply mail order
Formulary Drugs 10% cost share, $50 minimum-$100 maximum (30 day retail)
Non-Formulary Drugs 10% cost share $100 minimum-$200 Maximum (30 day retail)
Coordination of Benefits for individuals that have more than one medical insurance policy, changes from 100% coverage to same as normal Plan design. Medicare excluded.
Out-of-Network Deductible increased to $6,000 individual $14,000 family.
The Board of Trustees has decided to change the current Dental Plan to a United Health Care Dual Option PPO/HMO Dental Plan in order to give the members choices for their dental insurance coverage.
Everyone will still have the opportunity to continue with the same dental coverage (similar but different network) as we currently offer, but you will also have the choice to elect a less expensive dental insurance plan option if that works better for you and your family.
Both options will be offered by United Health Care and the Benefits Fund will no longer offer the self-insured plan through Dentemax. It is advised to review the list of participating dentist to confirm that you current providers are in the new network.
Members living outside the state of Florida will only have the PPO option.
Prices for both plans are as follows and rates are guaranteed thru the end of 2018:
Retiree Pay Period
Employee $45.61 $21.05
Employee & Spouse $96.05 $44.33
Employee & Child(ren) $120.39 $55.56
Employee & Family $161.08 $74.34
Retiree Pay Period
Employee $12.20 $5.63
Employee & Spouse $21.34 $9.85
Employee & Child(ren) $26.42 $12.19
Employee & Family $33.54 $15.48
New Participating Dentist Lists along with specifics on each plans benefits below.
UHC customer service for dental: 877-816-3596 Plan ID #1095410 for both plans.
HMO Welcome Guide
HMO FL Network
HMO Search by Zip Code Click on product "Dental" then plan "S700B-SHP. Add the specialty looking for, zip code and how many miles.
PPO Welcome Guide
PPO So FL Network
PPO All FL Network
PPO Search by State Click on Find a Dentist and Use plan "National Options Plan 30"
2017 Employee Status Change Form
2017 Retiree Status Change Form