College of Central Florida

CF Employee Benefits

Welcome

2023 HEALTH PLAN OPEN ENROLLMENT NOTICE,
DOCUMENTS AND PLAN RATES


Important Dates – Open Enrollment and Educational Sessions

Event

Date/Time

Location

CF Benefits Open Enrollment for 2023

October 24, 2022 – November 4, 2022

Use Open Enrollment Checklist for Enrollment Assistance
Health Plan Educational Sessions (Medicare and PPO Plans):
Representatives from Florida Blue and Medicare will be on campus to educate employees and retirees about the new medical plans offered for 2023.

Pick from 2 Available Times:

  • October 26, 2022, from 10am to 11:30am
  • October 26, 2022, 1:30pm to 3pm
 Location:  Building 40, Room 107

Open Lab Sessions for Enrollment Assistance
The Office of Human Resources will be offering one-on-one consultation for anyone in need of enrollment assistance with the FBMC enrollment site. 

  • October 25, 2022 from 10am to 12pm
  • October 27, 2022 from 2pm to 4pm
  • October 31, 2022 from 10am to 12pm
  • November 3, 2022 from 2pm to 4pm

Office of Professional Development Computer Lab – Building 3, Room 117D

Appointments are not required but preferred.  Request Appointment

Representatives on Campus: 
Representatives for voluntary benefits (Ameritas, Custom Benefits, etc.) will be on campus during the open enrollment period.
  • Citrus Campus: October 17, Building 4-103 from 10am to 1pm
  • Ocala Campus:  October 31, Building 1, Conference Room 105 from 11:30am to 1:30pm

 

*Enrollment is MANDATORY for 2023 as a result of new health plans. If no action is taken, you will be defaulted into the PPO Gold Plan with Employee-Only coverage; all other current benefits will roll over to the new plan year.

New for 2023: CF will be offering three new medical plan options. These plans will replace our current medical plans and will be effective Jan. 1 through December 31, 2023:
1. PPO Gold Plan 03359
2. PPO Silver Plan 05774
3. PPO High Deductible Health Plan (HDHP) Silver Plan – 05194/05195 – with Health Savings Account
The new plan options provide four (4) coverage levels:  Employee Only, Employee plus Spouse, Employee with Child(ren) and Employee plus Family.  The new options allow you to select plans that better fit your family’s healthcare needs.
Summary of New Plans  (See Health Insurance Link below for full details)

Health Insurance

Health Plan Information & Rates for 2023

PPO Gold
03359

Summary of Benefits
03359

PPO Silver
05774

Summary of Benefits
05774

HDHP + HSA Silver
05194/05195

Summary of Benefits
05194
05195

EE

$0

$0

$0

Spouse

Monthly:        $732

Bi-Monthly:   $366

Monthly:       $610

Bi-Monthly:   $305

Monthly:         $562

Bi-Monthly:    $281

Child(ren)

Monthly:        $532

Bi-Monthly:   $266

Monthly:        $428

Bi-Monthly:   $214

Monthly:         $387

Bi-Monthly:    $193.50

Family

Monthly:        $1,264

Bi-Monthly:   $632

Monthly:        $1,096

Bi-Monthly:   $548

Monthly:         $1,030

Bi-Monthly:    $515

*Bi-Monthly rate is the amount deducted per pay check for dependent coverage

 

Health Savings Account (H.S.A.) Information
Paired with HDHP Silver 05194/05195 Plan

Documents

Information Videos and On-Demand Webinars

 

 

Restrictions of the Health Savings Account (H.S.A.)

Employees who enroll in the H.S.A. cannot be enrolled in another insurance plan. This includes:

    • Medicare, Medicaid or Other health insurance (example: TRICARE)
    • Cannot have access to a Flexible Spending Account –OR- a Health Reimbursement Account (HRA) 
    • “Access” refers to your own FSA or HRA account, or any other account that you would be considered as a dependent (example: a spouse’s FSA or HRA account through another employer).

Ameritas Dental & Vision Insurance

Ameritas Dental Plan Information & Rates for 2023

Plan Type

Monthly Rates

Supporting Documents

How to Enroll

Ameritas Dental
(High Plan and Low Plan)
No Increase for 2023

 

High

Low

FBMC
Online

Employee

$35.68

$22.28

Employee + Spouse

$76.64

$48.36

Employee + Child(ren)

$90.88

$56.72

Employee + Family

$126.44

$79.28

 

Ameritas Vision Plan Information & Rates for 2023

Plan Type

Monthly Rates

Supporting Documents

How to Enroll

Ameritas Vision
(VSP Plan and EyeMed Plan)
No Increase for 2022

 

EyeMed

VSP

FBMC
Online

Employee

$7.04

$8.36

Employee + Spouse

$14.16

$16.84

Employee + Child(ren)

$15.00

$17.84

Employee + Family

$21.84

$25.96

Life Insurance

Life Insurance Plan Information & Rates

Plan Type

Monthly Rates for 2023

Supporting Documents

How to Enroll

20K Basic Term Life Insurance – The Standard Insurance

Employee

$0 – Employer
Paid

FBMC
Online

Supplemental Term Life Insurance - The Standard Life Insurance

Employee
(Up to 3X’s Salary)

Rate varies. FMBC website will auto-calculate the rate.

FBMC
Online

Dependent Life Insurance – The Standard Life Insurance
Rates Have Increased for 2023

Choice 1: $20,000 Spouse/$10,000 Child(ren). $4.00 per member /per month.
Choice 2: $10,000 Spouse/$5,000 Child(ren). $2.00 per member /per month.
Choice 3: $5,000 Spouse/$2,500 Child(ren). $1.00 per member / per month.

FBMC
Online

An Evidence of Insurability Form is required for: For any increase resulting from a plan or option change that employees elect. Evidence Of Insurability is not required for your Spouse or Child(ren).  You can submit an Evidence of Insurability 2 ways:

 

Requirements for Enrolling in Supplemental Life Insurance at or above 200K

All full-time employees are eligible to add supplemental life insurance coverage or increase the amount of existing coverage. All new requests and requests for coverage of $200,000 or more will require the completion of the Evidence of Insurability form . Coverage is subject to review and not guaranteed. Your enrollment will pend until the form is received in Human Resources.

Flexible Spending Account

Flex Spending Account Plan Information & Rates

Plan Type
Flexible Spending Account (F.S.A.)/Dependent Daycare Account
Eagle Benefits

Monthly Rate
See Employee Benefits Flexible Spending Account Website for Open Enrollment Information. 
Please note: Employees who enroll in the FSA will not be eligible to enroll in the Health Savings Account (H.S.A.) health plan per H.S.A. guidelines.

How to Enroll
Website: www.eaglesbenefits.com
Paper Enrollment for New Enrollees Only

Other Voluntary Benefits

Other Voluntary Benefits

If currently enrolled, your elections will roll over to the next benefits plan year. New Enrollees must complete a paper enrollment with Cornerstone Benefits.

See Employee Benefits Voluntary Benefits Website for more information.

 

Available by phone or email for enrollment needs or questions:
Tom Watson
Cornerstone Benefits, LLC
Phone: 352-369-9453
Email: Tom@cornerstonebenefitsfl.com

Domestic Partnership Provision

Dependent Verification Requirements

Dependent Verification Requirements

 

If adding new dependents to insurance (health, dental, vision), you will be required to provide documentation showing that they meet eligibility requirements.  To verify your dependents:

  • Submit the required documentation as defined in the Dependent Verification Documentation Chart along with the signed Certificate of Dependent Eligibility Attestation.  
  • You can upload the documents directly to the FBMC website under “Document Upload” or send them to Human Resources by the close of business, November 4, 2022 . 
  • Your enrollment elections, including the dependents added, are subject to review and/or modification based on the dependent documentation you supply. 

Please note: this requirement is only for newly added dependents taking effect January 1, 2023.  If you have already submitted documents on current dependents to Human Resources, you do not need to do it again.

HealthCare.gov Marketplace

Employer and Affordable HealthCare Exchange Notice

You may find more affordable health care coverage for your spouse and eligible dependents through the marketplace- http://www.HealthCare.gov . Rates are customized to each individual based upon your personal household situation, such as annual household income, age of those covered, and tax filing status. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace, and its cost. The Affordable Health Care Exchange Notice provides important information pertaining to the College that you may need when completing an application in the Marketplace.

FBMC Enrollment Instructions (Health, Life, Vision & Dental)

Simply log onto the following website:

  1. Log onto: https://bmc.myfbmc.com
  2. If you are registered from last year and forgot your password, select “Forgot Password” and follow the prompts.
  3. For New Users: Select “Register”
    1. Enter first name, last name, & Zip Code, then enter a user identification (SSN# or Employee ID)
    2. Enter email address (work email or personal email) –your email address will become your Username
    3. Follow the prompts to create a new password
    4. You will then receive an email with a validation code to activate your profile. Simply click the URL web link provided in the email to validate your registration.  You will then be redirected to the log-in page to begin the enrollment process.
  1. Continue with plan changes and/or elections, or confirm current benefits if you are not making any changes.
  2. Print out confirmation when complete
FBMC’s Service Center
1-844- CENFL4U (844-236-3548) or 1-855-5MYFBMC (1-855-569-3262)
7 a.m.–7 p.m. (EST), Monday through Friday
https://bmc.myfbmc.com
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