CF Employee Benefits

Dental and Vision Insurance

Regarding Pre-Tax Benefits:
When you enroll for any voluntary deduction to be paid pre-tax it becomes subject to the IRS regulations. Under the IRS regulations, you may not opt out of any pre-taxed plan during the plan year. You must remain enrolled for the full plan year unless a qualifying event occurs.

Dental and Vision Insurance Plans are governed by the Florida State Group Insurance.

Dental Insurance Plans

Dental Insurance Plans (Pre-Tax)

The state offers various dental insurance plans, including Prepaid (DHMO), Standard PPO, Indemnity, and Indemnity with PPO options.

Below are highlights of all the options – focusing on how the plans work. Refer to the plan documents or contact the plans directly with specific questions you have about coverage.

Prepaid Dental Plan

Pays benefits only when you use network providers
No deductible or annual maximum
Most preventive care at no charge
You pay a fixed copayment for dental procedures listed on the copayment schedule.
Orthodontia: Covered for adults and children.

Standard PPO Dental Plan

Receive care from any dentist
Your cost is lower when you use network dentists
You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive.
Orthodontia: Covered for adults and children.

Preventive PPO Dental Plan

Receive care from any dentist
Your cost is lower when you use network dentists
You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive.

Indemnity with PPO Dental Plan

Receive care from any dentist
Your cost is lower when you use network dentists
You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay a percentage of the cost for the care you receive.
Orthodontia: Covered for adults and children (Sun Life - children only)

Indemnity Dental Plan

Receive care from any dentist
You have a deductible to meet and then pay part of the cost for the services you receive.

Vision Insurance Plan

Vision Insurance Plan (Pre-Tax)

Caring for your eyes is a very important part of your overall health and wellness. That's why the State offers you competitive vision coverage at affordable rates through Humana Vision.

State Vision Insurance Information
Humana Vision Web Site