FAQs

Under Age 65 or Over Age 65 and non-Medicare Eligible Enrollees: No. If you and your eligible non-Medicare dependent are currently enrolled in a Cigna healthcare plan and do not wish to make any changes, your benefit will continue for the 2022 plan year. There are no plan design changes to the benefits being offered.

Additionally, if you are also currently enrolled in Flexible Benefits, your current Flexible Benefits will continue for the 2022 plan year. However, if you want to make changes to your Flexible benefits, you must complete the enrollment form in its entirety.

If you are currently having FRS deductions for Cigna Healthcare and wish to continue your participation, you must complete and return the FRS Payroll Deduction Authorization Form.

Over Age 65 or Under Age 65 and Medicare Eligible Enrollees: No. If you and your eligible Medicare dependent are currently enrolled in a sponsored Medicare offering and do not wish to make any changes, your benefit will continue for the 2022 plan year.; however, plan design and premium changes will apply.

Additionally, if you are also currently enrolled in Flexible Benefits, your current Flexible Benefits will continue for the 2022 plan year. However, if you want to make changes to your Flexible benefits, you must complete the enrollment form in its entirety.

Flexible Benefits Only Enrollees: No. If you would like to continue with your current flexible benefits for the 2022 plan year, you do not need to return an enrollment form.

Yes. You can add your eligible dependents during this enrollment period. All retirees selecting dependent coverage must submit dependent eligibility documentation for all covered dependents, if not previously submitted. Otherwise you will need to wait until the next open enrollment period.

No. You must cover yourself in order to cover your eligible dependent(s).

Yes. You can terminate your dependent coverage, but you will not be eligible to re-enroll until the next open enrollment, unless you have experienced a qualifying Change in Status (CIS) Event, provided you have maintained your enrollment in a School Board sponsored Healthcare plan.

Under Age 65 and NOT Medicare Eligible or Over Age 65 and TRS NOT Medicare eligible:

Eligible retirees or dependents may choose to enroll in one of the below Cigna healthcare plans:

• Cigna OAP High
• Cigna OAP Standard
• Cigna SureFit

Over Age 65 or Under Age 65 with Medicare Parts A & B:

The below healthcare and prescription plans are available through the School Board. These plans are only offered to Medicare recipients enrolled in both Medicare Parts A & B.

• Ten Medicare Advantage Plans: Four AvMed (Medicare Choice HMO (Miami-Dade County only and Broward County only) and Medicare Circle (Miami Dade County only and Broward County only)); Leon Medicare HMO (Miami- Dade); three Humana (HMO, Comprehensive PPO and Traditional PPO) plans; and two UnitedHealthcare (UHC)(Differential PPO and Passive PPO) plans
• Three UHC Medicare Supplement Plans: A, G & N
• Four Part D Prescription Drug Plans (PDP): UHC (4-Tier High, 4-Tier Low and 5-Tier Standard)

No. If you cancel your healthcare enrollment, you will never again be offered the opportunity of enrolling in a School Board sponsored Healthcare plan.

To enroll in Medicare Part B, contact your local Social Security office. According to CMS guidelines, you are required to enroll in a Medicare Product. The Office of Risk and Benefits Management will send you an Over 65 Benefits Package, 60 days prior to the birth month in which you reach age 65 to provide you with the opportunity to enroll in an offered Medicare healthcare plan. You will be automatically dis-enrolled from your Cigna healthcare plan.

It is your responsibility to notify us of Medicare entitlement awarded before age 65, if not, this will result in an automatic termination of your Cigna plan.

Yes. You and your dependent(s) can be enrolled in any of the School Board sponsored Medicare healthcare and Prescription Drug Plans (PDP). Participants currently enrolled in a Prescription Drug Plan (PDP) only may enroll in any of the sponsored Medicare Group Healthcare plans.

Yes. If you are currently having FRS deductions for Cigna Healthcare and wish to continue your participation, you must complete and return the FRS Payroll Deduction Authorization Form. Beginning January 2022, FBMC will invoice and collect premiums for the Cigna Healthcare plans.

If you are enrolling for FRS deductions for the first time, please check the appropriate box on your enrollment form. Complete the Florida Retirement System Payroll Deduction Authorization Form and return it with your enrollment form. When enrolling in FRS for the first time, there may be a normal delay between the time your request is processed and the time the deductions start; therefore, you will be billed for FRS deductions not taken from your retirement check. If premiums are not paid for the period of time deductions are not taken from your FRS check, benefits will be cancelled and you will not be allowed to re-enroll.

No. If you and/or your eligible dependents are Medicare eligible, you cannot elect not to enroll in Medicare. Not enrolling in Medicare while being Medicare eligible means a dis-enrollment of your Cigna plan.

Yes. Dependent documentation must be submitted for all covered dependents, if not previously submitted. If documentation is not provided your dependent will lose their eligibility status.