Retiree Enrollment:
October 15 - November 15, 2021
Active Enrollment:
November 2 - 16, 2021
COBRA Enrollment:
November 2 - 16, 2021
FAQs
Getting
Started
What is the Open Enrollment Period?
The Open Enrollment period is a period of time, determined by your employer, during which you are allowed to make any changes to your current benefits.
Note: No changes are allowed after the commencement of a new plan year, unless you experience a qualifying event.
Do I need to enroll?
Healthcare: No. You only need to re-enroll during this Open Enrollment period if you are making a change to your current healthcare plan. Your current healthcare coverage and your dependent(s) coverage will continue. If wish to make changes, please complete and return the 2022 Healthcare Benefits Open Enrollment form by November 16, 2021.
Flexible Benefits: If you are currently enrolled in Flexible Benefits (i.e. dental, vision, HIC, legal, etc.), those benefits will continue for the 2022 plan year. If wish to make changes or enroll, please complete and return the 2022 Flexible Benefits Enrollment form by November 16, 2021.
What happens if I do not re-enroll by the enrollment deadline?
If you do not re-enroll during this Open Enrollment period, the following will occur:
- Your current healthcare coverage and your dependent(s) coverage will continue. There are no plan design changes to the benefits being offered.
- If you are currently opting out of healthcare, this election will continue. You will be required to complete the Declination of Healthcare Coverage Affidavit and submit it with proof of other group or state-funded healthcare to the Office of Risk and Benefits Management. If you do not provide this required documentation, you will be automatically assigned to the Cigna SureFit (employee only) healthcare plan retroactively to the beginning of the plan year. The School Board will collect the medical opt out money you’ve received retroactively via payroll.
- If you are being deducted the spouse/domestic partner annual surcharge, the deductions will continue. However, we ask that you review your response in the Surcharge Affidavit to confirm their medical coverage status has not changed.
- You can add your eligible dependent(s) during this enrollment period; however, you must have a valid Social Security Number for each eligible dependent. Proof of dependent eligibility must be submitted to the Office of Risk and Benefits Management for all dependent(s), upon request. Otherwise, coverage will be terminated for any dependent whose eligibility has not been verified; claims incurred will not be paid and any premiums deducted will not be automatically issued.
If you are currently enrolled in Flexible Benefits (i.e. dental, vision, HIC, legal, etc.), those benefits will continue for the 2022 plan year. If wish to make changes or enroll, please complete and return the 2022 Flexible Benefits Enrollment form by November 16, 2021.
When are benefits for the new plan year effective and for how long?
The benefits are effective January 1, 2022 through December 31, 2022.
How do I enroll in flexible benefits?
To enroll in flexible benefits please complete and return the 2022 Flexible Benefits Enrollment form by November 16, 2021. Mail your completed enrollment form, with your first month premium, payable to FBMC to:
FBMC Benefits Management, Inc.
P.O. Box 12241
Miami, Florida 33101
When will the coverage become effective?
Coverage for eligible employees will begin on the first of the month following the determination of eligibility.
Can I add my dependents during this enrollment period?
Yes, you can add your eligible dependents during this enrollment period. Proof of dependent eligibility must be submitted to the Office of Risk and Benefits Management for all dependent(s), upon request. Otherwise, coverage will be terminated for any dependent whose eligibility has not been verified; claims incurred will not be paid and any premiums deducted will not be automatically issued.
How do I enroll in flexible benefits?
To obtain a Flexible Benefits enrollment form, contact FBMC Service Center:
1-855-MDC-PS4U (1-855-632-7748), Monday – Friday, 7 a.m. – 7 p.m. ET.
Can I enroll in Accidental Death & Dismemberment Coverage?
No, AFSCME employees CAN NOT enroll in this benefit.
Coverage
What healthcare plans am I eligible to enroll in?
Employees represented by the AFSCME Union are eligible to enroll in the Cigna OAP High, Cigna OAP Standard, and Cigna SureFit.
Is there a free healthcare option being offered?
Yes. The Cigna SureFit Plan, employee-only coverage, is being offered at no cost to all benefits eligible employees.
If enrolling in the Cigna SureFit, will I be required to select a Primary Care Physician?
Yes, you are required to select a Primary Care Physician (PCP) if enrolling in the Cigna SureFit. If a PCP is not selected, Cigna will assign you a participating provider based on your zip code. You must live in the tri-county (Miami-Dade, Broward and Palm Beach) service area.
How would I pay for my dependent’s healthcare coverage?
The healthcare dependent premiums will be deducted from your paycheck.
How do I prove that my spouse/domestic partner has group coverage available through her/his employer?
- During the online enrollment, the application will display an Affidavit and you will be given the opportunity to click on the box that best describes the status of your dependent’s group coverage.
- If you cover your spouse/domestic partner on your healthcare plan and your spouse/domestic partner has coverage available from his/her own employer, an additional annual surcharge of $500 will be charged. The annual surcharge will be billed on a bi-weekly basis according to your pay schedule.
- If you cover your spouse/domestic partner on your healthcare plan and your spouse/domestic partner does not have an employer-sponsored healthcare plan available to him/her, the spousal surcharge will not be applied.
What are my choices if I have healthcare coverage outside the School Board (group healthcare, Medicare or Medicaid)?
-
You can opt-out of the board offered healthcare plan and in lieu of healthcare coverage, the board will contribute $100.00 per month. You will receive $100.00 a month, paid bi-weekly through the payroll system based on the deduction pay schedule (subject to withholding and FICA) as follows:
- 10-month employees will receive a $60.00 payment in 20 paychecks
- 11-month employees will receive a $50.00 payment in 24 paychecks
- 12-month employees will receive a $46.15 payment in 26 paychecks
Will I continue to receive the Flex Credit Dollars?
Employees represented by the AFSCME Union and enrolled in a healthcare plan will receive an annual flex credit of $115. The flex credit will be added to the employees’ gross income and paid through the payroll system based on the number of payroll checks the employee receives.
- 10-month employees (20 paychecks) – $5.75
- 11-month employees (24 paychecks) – $4.79
- 12-month employees (26 paychecks) – $4.42
If I am opting out of the Board offered healthcare plan, must I submit any additional documentation?
Yes, if you are opting out of the Board offered healthcare plans you must provide proof of the other group, Medicare or Medicaid enrollment. You will also be required to complete the Declination of Healthcare Coverage Affidavit and submit it with your proof of other group or state-funded healthcare to the Office of Risk and Benefits Management. If you do not provide this required documentation, you will be automatically assigned to the Cigna SureFit (employee only) healthcare plan retroactively to the beginning of the plan year. The School Board will collect the medical opt out money you’ve received retroactively via payroll.
Will my healthcare benefits continue if I am on a Board-approved leave of absence?
If you are out on a Board-approved leave that’s eligible for benefits, your healthcare coverage will continue. If you are out on a leave of absence that does not provide you with healthcare benefits, you will be given the opportunity of continuing your benefits at your cost.
For additional information regarding your current leave status or you want to apply for leave contact the Leave Office at 1.305.995.7090.
Office of Risk and Benefits Management
1501 N.E. 2nd Avenue, Suite 335
Miami, Florida 33132
Mon - Fri, 8 a.m. to 4:30 p.m. ET
www.dadeschools.net
305-995-7129
FBMC Service Center
Mon - Fri, 7 a.m. to 7 p.m. ET
1-855-MDC-PS4U (1-855-632-7748)