College of Central Florida

CF Employee Benefits

  • Bencor Special Pay Plan
  • Dental and Vision Insurance
  • Discounts and Perks
  • Employee Assistance Plan
  • Family Medical Leave
  • Florida Retirement Plan
  • Health Fair
  • Health Insurance
  • HIPPA Privacy
  • Leave/Holidays
  • New Hire/Misc
  • Frequently Asked Questions

Health Insurance - Blue Cross Blue Shield (Florida Blue)

NOTE: Full Time Employees not enrolling in a CF Employee Sponsored health insurance plan are required to enroll in the Employee Sponsored Dental and Vision Plan (DV)

CLICK HERE FOR COVID-19 FAQ’S REGARDING YOUR HEALTH BENEFITS & INSURANCE UPDATES 

HEALTH INSURANCE OVERVIEW

FLORIDA BLUE WEBSITE RESOURCES

Access the Florida Blue website to review plan benefits, view claims activity, find a doctor/hospital In-Network, compare costs of medical procedures or drug prices, print a temporary ID card or request a new member card, access your monthly health statements, and utilize Better You Strides.

  • Florida Blue Website  First time Users must register. All you need is your Florida Blue member ID number (located on your member ID card) and a valid email address to register.
    Learn more: MyBlueService FAQ’s
  • Florida Blue New Member Registration Instructions
  • Better You Strides Flyer
  • Better You Strides Recorded Demo
  • Florida Blue Shield FAQ
  • Blue 365 Discount Plan
  • Know Where to Go - ER vs Urgent Care

HEALTH PLANS AND RATES

Current Employee
1. PPO Gold Plan 03359
2. PPO Silver Plan 05774
3. PPO High Deductible Health Plan (HDHP) Silver Plan – 05194/05195 + Health Savings Account
The plan options provide four (4) coverage levels:  Employee Only, Employee plus Spouse, Employee with Child(ren), and Employee plus Family.  The 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)

  • Summary of Benefits / Plan Comparison for All Plans 
  • Glossary of Terms

Plan Information & Enrollment Instructions

Plan Type

Supporting Documents

How to Enroll

Health Insurance PPO Plans
1. PPO Gold Plan 03359
2. PPO Silver Plan 05774

  • Plan Summary and Comparison (Both PPO Plans)
  • Teledoc

Dependent Documentation:

  • Dependent Verification Documentation Chart
  • Certificate of Dependent Eligibility Attestation
  • FBMC Online
  • Dependent Verification Documents if adding new dependents
  • Drop off or mail to Human Resources

DV – Plan (Delta Dental/VSP Vision
If Waiving Health Insurance

Employee Only

$0 – Employer Paid
(For employees who decline health insurance)

  • Delta Dental Brochure
  • VSP Vision Brochure
  • DV Plan Guide
  • Prior/Concurrent Coverage Affidavit

FBMC Online

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

  • Payroll Deduction Form
  • Qualified medical expenses
  • Find additional documents on the Member Portal at www.healthequity.com
  • On-demand HSA basics webinar
  • On-demand HSA maximize webinar
  • On-demand HSA investing webinar
  • Short HSA video


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).

 

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

Retiree
CF Retirees have the option to continue their health insurance coverage through CF at the time of retirement. Premiums are paid 100% by the retiree. If a retiree decides to cancel health insurance through the college, they will not have the option to rejoin at a later time. There are currently three health insurance plans being offered: PPO Plan 03359, 05774 and BlueMedicare (must be Medicare eligible).
1. PPO Gold Plan 03359
2. PPO Silver Plan 05774
(The Blue Medicare Plan will remain the third health Plan Option for retirees who are eligible to Enroll)

The new PPO 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.
See Plan and Rate Information Below

Plan Information & Enrollment Instructions

Plan Type

Supporting Documents

How to Enroll

Health Insurance PPO Plans
1. PPO Gold Plan 03359
2. PPO Silver Plan 05774

  • Plan Summary and Comparison (Both PPO Plans)
  • Teledoc

Dependent Documentation:

  • Dependent Verification Documentation Chart
  • Certificate of Dependent Eligibility Attestation
  • FBMC Retiree Enrollment form
  • Dependent Verification Documents if adding new dependents
  • Drop off or mail to Human Resources

3. Blue Medicare Elite PPO
Plan Design Changes

  • 2023 Plan Summary
  • Summary of Benefits
  • Blue Medicare Basics
  • Blue Medicare Enrollment form (if Retiree & Spouse are both enrolling, then both must complete their own Enrollment form)
  • FBMC Retiree Enrollment form (Both Retiree & Spouse can use the same form)
  • Drop off or mail to Human Resources

The Standard Life Insurance Information

  • The Standard Life Insurance Overview Presentation
  • Group Term Life Insurance booklet
  • Beneficiary Form
  • For Retirees Currently Enrolled in Life Insurance – if you did not elect life insurance at the time of retirement, you are unable to join the group plan during open enrollment.

Certificate of Creditable Coverage

Plan Rates 2023 (Monthly)

PPO Gold
03359
PPO Silver
05774
Blue Medicare
Retiree $665.00 $607.00 $284.96
Spouse $1,397.00 $1,275.00 $569.92
Child(ren) $1,197.00 $1,093.00 N/A
Family $1,929.00 $1,761.00 N/A

 

Life Insurance – The Standard Life Insurance

Retiree Only $5,000 Basic Life with AD&D $15.25 per month


 PLEASE NOTE: You may find more affordable health care coverage for yourself or your eligible dependents through the Marketplace by going to 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. Note: the plans offered through the Marketplace are not affiliated with CF.  If you cancel your health coverage through CF, you will not have the option to re-enroll at a later time.
FBMC Benefits Management will continue to be the administrator of the Retiree billing for the college:

FBMC Benefits Management
Direct Bill Department
PO Box 10789
Tallahassee, FL 32302-2789
844-236-3548

FBMC Benefits Management will ONLY be responsible for collecting your health/life insurance premium on behalf of the college.  All other matters that pertain to your health/life insurance will be handled by the college as it has always been done.

Dependent Eligibility Verification for NEW Dependents – PPO Gold 03359 & PPO Silver 05774 Participants Only (Does not Apply to Blue Medicare)
If you elect to add new dependents to your health insurance plan (PPO Gold 03359 & PPO Silver 05774), you will be required to provide documentation showing that they meet eligibility requirements. To verify your dependents, you must submit the required documentation as defined in the Dependent Verification Documentation Chart along with the signed Certificate of Dependent Eligibility Attestation (enclosed). Please note: this requirement is only for newly added dependents. If you have already submitted documents on dependents currently enrolled, you do not have to do it again. The Blue Medicare product is fully insured and Florida Blue has their own process for dependent verification.

 

HEALTH SAVING ACCOUNT (HSA)

Since HSA accounts are individually owned financial accounts, HR won’t be able to order a card for an employee.  The employee, however, can log into their Member Portal at www.healthequity.com and order a replacement debit card for themselves, at any time. 

Employees can access forms and other information on the member portal regarding their accounts.

Employees can also call our Member Services (MS) team at 866-346-5800.  Our MS representatives are available to assist every hour of every day. 

DOMESTIC PARTNERSHIP - BLUECARE

  • BlueCare Domestic Partnership Eligibility Guidelines
  • BlueCare Domestic Partner Member Handbook
  • Forms
    • To Add a Domestic Partner to Insurance: 
      • Domestic Partner Affidavit
    • To Remove a Domestic Partner from Insurance: 
      • Domestic Partner Affidavit of Termination with Dependents
      • Domestic Partner Affidavit of Termination without Dependents

EMPLOYEE LIFE INSURANCE

QUALIFYING EVENT/CHANGE IN STATUS EVENT

An employee should contact the Human Resources department any time there is a qualifying event or change in status that may affect insurance coverage and premiums. Changes MUST be made within 30 days of the qualifying event date. If changes are not made within the 30 day window, an employee must wait until the annual open enrollment period to make benefit changes. In addition to completing a Chang In Status Enrollment form, a list of required documentation is provided below:

  • Qualifying Change of Status Events and Documentation Required

 

NEW HIRE / CHANGE IN STATUS HEALTH INSURANCE FORMS

  • Notice of Special Enrollment Rights
  • Prior/Concurrent Coverage Affidavit

NATIONAL AND INTERNATIONAL COVERAGE

The BlueCard Program enables Blue Cross and Blue Shield of Florida (BCBSF) members who travel or live out of the service area (i.e. outside of Florida) to access participating providers of independent Blue Cross and/or Blue Shield organizations and receive all the same benefits of their BCBSF health plan.

  • BlueCard Overview for National and International Coverage
  • International Claim Form
  • The BlueCard Brochure

 

PHARMACY, LAB AND PRESCRIPTION INFORMATION

  • Rx Mandatory Generic Substitution FAQs
  • Rx Responsible Steps Program FAQs
  • Rx Generic Copay Waiver Program
  • Amazon Pharmacy-Prescription Mail Order Form for Home Delivery
  • Hemophilia Health Services Specialty Pharmacy
  • Scheduling an Appointment at Quest Diagnostics
  • Pharmacy Savings

 

CLAIMS

  • Blue Cross/Blue Shield International Claim Form
  • Major Medical-Comprehensive Claim Form
  • Prescription Drug Reimbursement Claim Form

NON-COLLEGE SPONSORED HEALTH INSURANCE OPTIONS

Children’s Health Insurance Plan (CHIP)

  • CHIP Special Enrollment Period
  • CHIP Questions and Answers
  •  

Florida Kid Care
Florida KidCare is a comprehensive health insurance for children under age 19 who are uninsured. Qualifying for Florida KidCare is based on income and family size. Florida KidCare includes the following:

    • MediKids: Covers children ages 1 through 4
    • Healthy Kids: Covers children ages 5 through 18
    • Children’s Medical Services Network: Covers children birth through age 18 with ongoing medical needs, special health care or emotional needs.
    • Medicaid for children: Covers children birth through 18


Florida KidCare provides low cost health insurance for children through Medicaid and the Children’s Health Insurance Program (CHIP). Most families pay $15 or $20 to cover all the kids in the family. Florida KidCare programs may also help many working families that cannot afford to participate in or are not covered by other employer-based health plans and cannot afford private insurance. If families need to pay more, they will be informed. The Sunshine Health Stars Full Pay Program is $230 with dental/$215 without dental. Some services may have additional small charges or a co-pay.

  • The income guidelines can be found via https://www.healthykids.org/kidcare/eligibility/Florida_KidCare_Income_Guidelines.pdf, though final determination would be after the application is reviewed.
  • More information about the full pay program can be found here: https://www.healthykids.org/cost/fullpay/
  • The benefits for the subsidized $15 or $20 plans can be found under: https://www.healthykids.org/benefits/medical/
  • Health and Dental Plans offered for both full pay and the subsidized plans can be found by county under: https://www.healthykids.org/benefits/plans/?id=42  


Families can apply online at https://www.healthykids.org/apply/.
For questions, call (813)974-8888. 

Additional Resources:

  • Florida KidCare Fact Sheet
  • Florida KidCare Brochure

 

HealthCare.gov Marketplace
You may find more affordable health care coverage for your spouse and eligible dependents through the marketplace by going to 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. Please visit the Health Insurance Plan and Price Estimator for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. The document below provides important information pertaining to the College that you may need when completing an application in the Marketplace.

  • Employer and Affordable HealthCare Exchange Notice

 

 

 

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

Simply log onto the following website:

  • Log onto: https://bmc.myfbmc.com
  • If you are registered from last year and forgot your password, select “Forgot Password” and follow the prompts.
  • 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.
  • Continue with plan changes and/or elections, or confirm current benefits if you are not making any changes.
  • 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

  • Life Insurance
  • Retirement Options
  • Sick Leave Pool
  • Tax Sheltered Annuities
  • TELADOC
  • Tuition Assistance
  • Voluntary Benefits
  • Flexible Spending Account
  • Workers Compensation
  • Worksite Wellness
  • Benefits Home
© Copyright 2017 College Of Central Florida