Bee-Informed! MDCPS  Employee Benefits Open Enrollment 2024

Full-time and Part-time Food Service employees must enroll!

If you do not enroll, your benefits will terminate on:

December 31, 2023

Full-Time Employees

This is a mandatory enrollment for Healthcare and Flexible Benefits. If you do not re-enroll during this open enrollment period, your and your dependents’ current benefits will terminate on December 31, 2023.

We are here to support, guide and assist you with your enrollment: therefore, we are providing face-to-face, telephonic and virtual enrollment assistance with a Benefits Representative. To schedule an appointment with a Benefits Representative and to select what type of enrollment assistance you would like, use one of the options below.

For general questions regarding the 2024 open enrollment, please call the FBMC Service Center at 1 (855) 632-7748, Monday – Friday, 7 a.m. to 7 p.m.

FBMC-Scheduler.com/MDCPS-OE

1 (855) MDC-PS4U; Opt. 1

1 (855) 632-7748; 1

What You Need to Know

Important Enrollment Information:

This is a mandatory enrollment for Cigna healthcare and Flexible Benefits. 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. Please note, if you experience a change in salary band, as a result of last year’s negotiations, you may have an increase in both employee and dependent healthcare deductions.

Employees enrolled in the Cigna OAP High will experience an increase in both employee and dependent premiums.

There are no premium changes to the Flexible Benefits.

 

If you do not enroll 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 are being deducted the spouse/domestic partner annual surcharge, the deductions will terminate December 31, 2023.
  • You will be automatically auto-assigned to the Cigna SureFit healthcare plan, which will be the free Board-paid option for all full-time 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.
  • If you are currently enrolled in a Disability (STD buy-up and/or LTD) plan, those benefits will continue for the 2024 plan year.
  • If you are currently enrolled in Flexible Benefits, those benefits will terminate on December 31, 2023.
  • If you are currently enrolled in Medical FSA and/or Dependent Care FSA, those benefits will terminate on December 31, 2023.

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

The enrollment application will be available during the open enrollment period 24 hours/ 7 days a week. You must use Google Chrome web browser for the online enrollment application.

Healthcare Plans:

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. NOTE: if you experience a change in salary band, as a result of last year’s negotiations, you may have an increase in both employee and dependent healthcare deductions.

    • Employees enrolled in the Cigna OAP High will experience an increase in both employee and dependent premiums

    • The Cigna SureFit plan will be the free option (employee-only) for full-time 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.

Dependent Coverage:

  • If you enroll a dependent(s) in your benefits, the Social Security Number is required during the enrollment process for each dependent. You must submit dependent eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children), for all covered dependents, upon request. If you do not provide the required documentation, coverage will be terminated.

  • You and your dependent(s) must be enrolled in the same healthcare and flexible benefits plans.
  • 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 $800 will be charged. The annual surcharge will be billed on a biweekly basis according to your pay schedule. If your spouse/domestic partner does not have an employer sponsored healthcare plan available to him/her, please make sure to select the appropriate response on the online enrollment application and the spousal/domestic surcharge will not be applied.

Additional Information:

Benefits Salary (annual base salary as of June 30 each year) determines:

  • Your salary band and the Board Contribution to your and your dependents’ healthcare cost.
  • Board-paid life insurance amount.
  • Disability benefit, which is a percentage of your benefit base salary.
  • Benefits Salaries being used for the current Open Enrollment is your employee annual salary as of June 30, 2022.

Core Benefits

Full-time benefits eligible employees will continue to be provided Board-paid Standard Short-Term Disability (STD) coverage.

The School Board provides a Term Life & Accidental Death and Dismemberment (AD&D) program with Metropolitan Life Insurance Company for all full-time employees. The coverage amount is either one or two times your annual base salary rounded up to the next $1,000.00. Administrators and Confidential Exempt Personnel received two times the annual base salary. 

All other employees receive one times their annual base salary. The minimum benefit for employees represented by AFSCME is $10,000. Additional life insurance may be purchased through payroll deductions to bring maximum benefits to an additional, one times the amount provided by the School Board.

Employees are eligible to increase the life insurance amount to a maximum of five times the annual base salary after the first year of participation in the optional life program. Evidence of Insurability will be required for any increases in coverage.

To find out more about Board-paid Term Life and AD&D, contact the MetLife representative at (305) 992-7029.

FAQs

Getting
Started

What is the Open Enrollment Period?

The Open Enrollment period is a period of time during which you are allowed to make any changes to your current benefits. This year the open enrollment period is from October 16 – November 3. 2023.

Note: No changes are allowed after the commencement of a new plan year unless you experience a qualifying Change In Status event. For further information visit https://mdcpsbenefits.com/dependents-change-in-status/.

When are healthcare benefits effective and for how long?

The benefits are effective January 1, 2024 through December 31, 2024 for employees represented by Unions that have successfully ratified their contact and the Board has approved it.

Must all eligible employees enroll for benefits effective January 1, 2024?

Yes. Everyone must enroll, including employees currently opting-out of healthcare coverage. If you do not re-enroll your current healthcare and/or flexible benefits will terminate December 31, 2023, with the exception of your Disability (STD buy-up and/or LTD) plans. Unless you elect to terminate these benefits during your enrollment period, these benefits will continue and premiums will be automatically adjusted based on your Benefits Salary change.

What should all eligible employees do during this Open Enrollment period for benefits effective?
  • Log into the employee portal and during your open enrollment session, review and print your current 2023 Benefits Statement for reference during your enrollment.
  • Use the statement to evaluate if the plans you currently have still meet your needs.
  • In the Dependent and Beneficiary section of the enrollment application, you will see a list of the people you will be able to assign coverage and/or assign as a beneficiary. If their record does not exist, you will need to add one.
  • Review/Update your beneficiary designation (Name, Date of Birth and Social Security Number is required).
  • If you elect to cover your spouse or domestic partner in a medical plan, you will need to complete the spouse/domestic partner Acknowledgement form and check the applicable box on the online enrollment form that best describes the status of their coverage.
  • Complete your 2024 benefit elections by submitting your changes and print your Employee Benefits Confirmation Statement. Remember, you are able to make any necessary changes to your election during the open enrollment period.
What happens if I do not re-enroll by the enrollment deadline?

If you do not enroll during this Open 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. You will need to enroll in this option online during open enrollment.
  • If you are being deducted the spouse/domestic partner annual surcharge, the deductions will terminate December 31, 2023.
  • You will be automatically assigned to the Cigna SureFit healthcare plan (Employee only), which will be the free Board-paid option for all full-time 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.
  • If you are currently enrolled in Flexible Benefits, those benefits will terminate on December 31, 2023.
  • If you are currently enrolled in a Medical FSA and/or Dependent Care FSA, those benefits will terminate on December 31, 2023.
  • If you are currently enrolled in a Disability (STD buy-up and/or LTD) plan, those benefits will continue for the 2024 plan year.
    How will I know when I can access the online enrollment application?

    Emails will be sent to your Dadeschools email account, and the enrollment link is available through your Employee Portal. You will have access to the online enrollment application during the Open Enrollment Period, October 16, 2023 through November 3, 2023

    When is the last day to make a change for benefits effective January 1, 2024?

    If making changes to your 2024 election, you must complete your online enrollment selections by 11:59 p.m. on November 3, 2023.

    If I am hired during the Open Enrollment period, must I enroll during this period?

    No. You will receive an email 60-calendar days after your date of hire prompting you to enroll online for healthcare and Flexible Benefits. The email will provide you with your enrollment deadline.

    When is the online enrollment application available?

    The application is available during the Open Enrollment period 24 hours/7 days a week through the Employee Portal. However, we may experience some down time due to system updates.

    Coverage

    What if I enroll and I want to change my benefits selections?

    You may log into the enrollment site and change your benefits selections as many times as you want throughout the Open Enrollment period. Your last saved and submitted selections will be your benefits, effective January 1, 2024. Changes made to your benefits during the Open Enrollment period of October 16, 2023 through November 3, 2023, until 11:59 p.m., will be effective January 1, 2024. For full-time employees, the first deductions will be taken on the payroll date January 13, 2024.

    What elections can I make during Open Enrollment?

    During this period, you may decide to re-enroll in your current benefits or make changes to your current benefits, delete, or add eligible dependent.

    Can I select coverage for myself through one benefit plan and another for my family?

    No. You and your eligible dependent(s) must be covered with the same benefit plan and provider.

    Can I decline healthcare coverage?

    Yes. You may decline healthcare coverage. You must elect this option during your enrollment. Additionally, you must agree to the provision set forth in the online affidavit and you must provide proof of other group or state-funded program coverage. Enrollment in an individual healthcare plan does not qualify. Sole submission of these documents does not mean that you have elected to decline healthcare coverage.

    If I decline healthcare coverage, what happens to the Board contribution towards my healthcare coverage?

    In lieu of healthcare coverage, you will receive $100 per month paid bi-weekly through the payroll system, based on our deduction pay schedule (subject to withholding and FICA) as follows:

    • 10-month employees will receive their payments in 20 pay checks.
    • 11-month employees will receive their payments in 24 pay checks.
    • 12-month employees will receive their payments in 26 pay checks.

    If you do not provide proof of other group healthcare coverage or state-funded healthcare coverage, you will be automatically assigned to the Cigna SureFit (Employee-only) healthcare plan and standard Short-term Disability.

    If electing to decline healthcare coverage during this Open Enrollment, you are required to submit proof of enrollment in another group or state-funded program, even if previously submitted. Annually, proof of current active enrollment in another healthcare plan must be provided.

    What healthcare plans are being offered for the 2024 plan year?

    The Cigna Healthcare plans being offered are:

    • Open Access Plan - High
    • Open Access Plan - Standard
    • SureFit Plan
    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.

    How do I view the Cigna Healthcare directories?

    To view participating providers in Cigna: log in to www.mycigna.com and click on “Find a Provider”.

    How do I acknowledge that my spouse/domestic partner has or does not have group coverage available through her/his employer?

    During the online enrollment, the application will display acknowledgement form and you will be given the opportunity to click on the box that best describes the access your dependent's has to 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 $800 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.

    Dependent

    What do I need to submit to ensure that my dependent(s) will have coverage?
    • Covering Your Child(ren) – If you have previously submitted dependent documentation for your child(ren), and your dependent was flagged, you will not have to resubmit this proof. However, if you have not previously submitted and do not submit, your child(ren) coverage will be terminated.
    • Covering Your Spouse – If covering a spouse and you have not previously submitted dependent documentation since 2019, then you must submit the proof of eligibility this year. If documentation is not submitted, your spouse’s coverage will be terminated.
    • Covering Your Domestic Partner – Annually you are required to submit the proper documentation with a completed affidavit that can be found here.
    Will my current Adult Child dependent’s coverage continue?

    No. Your current adult child healthcare coverage will terminate December 31, 2023. If you wish to continue their participation in a sponsored group healthcare plan, you must re-enroll them for the 2024 plan year and resubmit your dependent documentation.

    If you want to add your eligible adult child, you can do so during this open enrollment period. You must submit the appropriate form and dependent documentation.

    Leave & Termination

    If I take a Board-approved leave of absence, whom do I contact about my benefit?

    Once your leave is approved and the SAP system is updated, FBMC receives a notification and you will be eligible for applicable benefits in accordance to your Bargaining Unit and type of leave. FBMC will bill you for employer-paid benefits in accordance with the type of leave and labor contact. Additionally, you will be billed for all employee-paid benefits.

    Miami-Dade County Public Schools implements the Family and Medical Leave Act of 1993 (FMLA) through provisions contained in the School Board Rules and collective bargaining agreements.

    For questions regarding your benefits while on leave, please call the Leave Billing Specialist at (844) 627- 8273, option 4.

    What happens to my benefits if I terminate employment?

    Your coverage will cease at the end of the calendar month in which employment terminates. Benefits will remain in effect through August 31st for 10-month employees who terminate employment during the last month of the school year.

    NOTE: An individual who loses coverage under the plan becomes entitled to elect COBRA. The individual has the right to continue his or her medical, dental, and vision coverage under COBRA law for a period of 18 months and/or Medical FSA deposits until the end of the plan year following termination of employment.