• This is a mandatory enrollment for Cigna healthcare. Effective January 1, 2025, the School Board will introduce two new Cigna healthcare plans, the OAP Extended Network and the LocalPlus Focused Network, which will replace the OAP High and OAP Standard plans. We will continue to offer the SureFit Network plan, which is the employee-only free healthcare option for all benefit’s eligible employees.
• If you do not make a healthcare selection, you will be automatically assigned to the Cigna SureFit Network (employee only) healthcare. 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 declining healthcare coverage, your opt-out election will terminate on December 31, 2024. If you wish to continue your current declination of healthcare election, you must elect to opt-out by the enrollment deadline and submit the Declination of Healthcare Coverage Affidavit with proof of current other group or state-funded healthcare coverage. Sole submission of these documents does not mean you have elected to decline healthcare coverage.
• If you are currently enrolled in Flexible Benefits, those benefits will continue for the 2025 plan year with no changes in plan design. There will be slight rate increases; therefore, premium increases will automatically be applied.

• 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 2025 Healthcare Benefits Enrollment Form by the open enrollment deadline.
• If you wish to decline your healthcare coverage, because you are currently enrolled in Medicare, Medicaid and/or other group insurance, you will need re-enroll in this option during open enrollment. Additionally, you must submit proof of active healthcare coverage with a current date. If the proof is not submitted upon request, you will be automatically assigned to the Board-paid Cigna SureFit Network (Employee only) healthcare plan.

• 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 2025 Flexible Benefits Enrollment form. You must include your first monthly premium made payable to FBMC with your enrollment form before the deadline. The effective date of coverage will be January 1, 2025.
• You may also complete your enrollment online through FBMC’s online self-service benefits enrollment platform. Visit https://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.

If you are currently enrolled in Flexible Benefits (i.e. dental, vision, HIC, legal, etc.), those benefits will continue for the 2025 plan year. If you do not want to make any changes to your current Flexible Benefits, you do not need to re-enroll. There will be no plan design changes for the 2025 plan year. There will be slight rate increases; therefore, premium increases will automatically be applied.

The School Board offers a broad range of high-quality flexible benefits to eligible part-time employees. You are eligible to enroll in any of the following flexible benefits plans:

• Dental:
  • Delta Dental (DHMO & PPO)
  • UnitedHealthcare Dental (DHMO & PPO)
• Vision: EyeMed
• Identity Theft Protection: ID Watchdog
• Short-Term Disability: The Standard
• Long-Term Disability: The Standard
• Legal:
  • ARAG
  • Hyatt (MetLaw) NOTE: NOT available to employees represented by United Teachers of Dade (UTD)
• Hospital Indemnity Coverage (HIC): Metropolitan Life Insurance Company (MetLife)
• Voluntary Life: Metropolitan Life Insurance Company (MetLife)

NOTE: The cost of those benefits WILL NOT be deducted from your paycheck. FBMC Benefits Management will send a monthly invoice for your healthcare benefit.

• If enrolling your eligible dependent(s) in your benefits, you must have a valid Social Security Number at the time of enrollment for each dependent. You must also submit proof of eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children) 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 plan.
• 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, which is $40.20 bi-weekly, will be deducted via payroll. Please make sure to select the appropriate response on the online enrollment application. Surcharge only applies if your eligible dependent has access to group healthcare coverage through their employer.

   

If your eligible dependent’s access to group healthcare coverage changes mid-year, please contact FBMC at (305) 995-7404.

Benefits Salary being used for the current Open Enrollment is your employee annual salary as of June 30, 2023.

• 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.