• When an employee is determined to be newly eligible, the following occurs:
• A benefits enrollment package is mailed to the employee’s address on record.
• The employee will automatically be auto-assigned to the Cigna SureFit (employee only) healthcare plan, which is the free Board-paid option. However, the employee can elect to enroll in the Cigna OAP High or Cigna OAP Standard healthcare plan, which are offered with a bi-weekly employee cost-share. The employee will need to submit their completed enrollment form and the election will be effective as of the eligibility date.
• The employee may purchase any of the offered flexible benefits for themselves and their eligible dependents by contacting FBMC Benefits Management at 1(844) 627-8273 , Monday – Friday, 8am – 4:30pm ET or via email, MDCPSNewHIre@fbmc.com. You will be invoiced monthly by FBMC for these benefits.

This is a mandatory enrollment for Cigna healthcare. The School Board continues to offer the current Cigna healthcare plans (OAP High, OAP Standard, and SureFit) and Flexible Benefits.

Employee-only and dependent(s) rates remain the same for the Cigna SureFit and OAP Standard Healthcare plans.

Employees enrolled in the Cigna OAP High will experience a slight increase in both employee and dependent premiums. We encourage you to review the Cigna OAP Standard plan, which provides you the same access to your current provider at a potentially lower out of pocket expense.

If you are currently enrolled in Flexible Benefits (i.e. dental, vision, HIC, legal, etc.), those benefits will continue for the 2024 plan year. There will only be a slight rate increase to the UnitedHealthcare PPO dental plans.

If you do not make a healthcare election during the enrollment period, the following will occur:

• Your and your dependent’s current Cigna healthcare coverage will terminate on December 31, 2023.
• If you are currently declining healthcare coverage, your opt-out election will terminate on December 31, 2023. If you wish to continue your enrollment in this election, you must select it during this open enrollment period, submit the Declination of Healthcare Coverage Affidavit and proof of other group or state-funded healthcare coverage. Sole submission of these documents does not mean that you have elected to decline healthcare coverage.
• You will be automatically assigned to the Cigna SureFit (employee only) healthcare plan. This plan requires the selection of a Primary Care Physician (PCP); therefore, Cigna will assign you a participating provider based on your zip code.

If you are currently enrolled in Flexible Benefits, those benefits will continue for the 2024 plan year. There will be a slight rate increase to the UnitedHealthcare PPO dental plans.

• If an employee is currently enrolled in Medicare, Medicaid and/or other group insurance, they may decline their healthcare coverage and receive $100 per month, paid bi-weekly through the payroll system (subject to withholdings and FICA).
• They must provide proof of other group or state-funded healthcare coverage.

You must complete the 2024 Healthcare Benefits Enrollment Form by the open enrollment deadline of November 3, 2023.

If you wish to decline your healthcare coverage, because you are currently enrolled in Medicare, Medicaid and/or other group insurance, you must select the opt-out option during this enrollment period. Additionally, you must submit proof of active healthcare coverage with a current date. If the proof is not submitted, you will be automatically assigned to the Board-paid Cigna SureFit healthcare plan. Sole submission of these documentation does not mean that you have elected to decline healthcare coverage.

• Employees who enroll a spouse or domestic partner in a medical plan are required to disclose at the time of enrollment if their dependent has access to group healthcare coverage from their own employer. If so, you will be charged and an annual surcharge of $800 on a bi-weekly basis via payroll deductions. If not, the spousal/domestic partner surcharge will not be applied.

Complete the 2024 Flexible Benefits Enrollment form. You must include your first monthly premium made payable to FBMC with your enrollment form before the deadline of November 3, 2023. The effective date of coverage will be January 1, 2024.

You may also complete your enrollment online through FBMC’s online self-service benefits enrollment platform. Visit TransAmerica.Benselect.com/MDCPS to complete your online enrollment. You must have your employee ID and your confidential PIN. Your PIN is the last 4 digits of your SSN + the last 2 digits of your birth year.

For additional information, please contact the FBMC Service Center at 1(855) 632-7748, Monday – Friday, 7 a.m. to 7 p.m.

• The School Board continues to offer the current Cigna healthcare plans (OAP High, OAP Standard, and SureFit).
• Employee-only and dependent(s) rates remain the same for the Cigna SureFit and OAP Standard Healthcare plans.
• Employees enrolled in the Cigna OAP High will experience a slight increase in both employee and dependent premiums.
• The Cigna SureFit plan will be the free option (employee-only) for benefits eligible employees. Selection of a Primary Care Physician (PCP) is required at the time of enrollment. 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.
• Dependent premiums for healthcare will continue to be subsidized for employees who are eligible for Board-paid benefits.

• If you are no longer employed by the School Board, you will be provided the opportunity to continue your benefits in accordance with the Federal COBRA Law. You will be provided the ability to continue your medical, dental and/or vision plan if active and paid up to date at the time of termination.