Medical Insurance

Eligible City employees may enroll themselves and eligible dependents for coverage in one of the two offered medical plans.

A Health Maintenance Organization (HMO) is an ‘open access’ plan which provides a wide range of healthcare services on an in-network only basis and requires no assigned primary care physician. Under these plans, medical services are received at no cost or for moderate co-payments based on your choice.

Dental Insurance

Eligible City employees may enroll themselves and eligible dependents for coverage in one of the two offered dental plans.

A DHMO Plan is an “in-network” only plan. In order to receive services, you can select any participating dentist in the network. The DHMO Plan does not cover any services rendered by out-of-network facilities or providers. Under this plan services are received at no cost or assigned co-payments for individual procedure. No Primary Dentist is required with this plan.

A Dental PPO Plan the PPO plan provides benefits for services received from in-network and out-of-network providers. You will save more by utilizing a dental provider in this network because fees have been contractually agreed upon. The PPO Dental Fee, or allowed amount, is the maximum amount a Dental PPO Provider can charge a member for a service. You are responsible for a Calendar Year Deductible (CYD) and then coinsurance, based on the plan’s Maximum Plan Allowance (MPA) charge limitations.

Vision Insurance

The City offers vision insurance to all benefit-eligible employees.

In-Network Benefits

Receiving services from a provider that participates in the network offers you and your covered dependents with coverage for routine eye care, including eye exams, eyeglasses (lenses and frames) or contact lenses with the cost of a copay.

Out-of-Network Benefits

Covered members may also choose to receive services from vision providers that do not participate in the vision network. If so, the cost of the services received would be paid to that provider at the time of the scheduled appointment, covered services are reimbursed to the members based on the plan’s out-of-network reimbursement schedule upon receipt of proof of services rendered.

Employee Assistance Program

Employee Assistance Program provides employees and family members with 5 free telephonic visits for professional counseling for a variety of issues.  Early detection and assistance can often prevent more serious difficulties from developing.  The EAP offers personal confidential counseling services for a wide range of concerns including:

• Marital/Family/Relationship Issues
• Interpersonal problems on the job
• Stress
• Depression
• Drug Abuse
• Alcohol Abuse

Paid Parental Leave

Maintaining a work culture that supports employees in their effort to balance their work responsibilities with the demands of personal and family life.  PPL provides 12 weeks of paid parental leave to employees following birth of an employee’s child or the placement of a child with an employee in connection with adoption or foster care. Employees must be employed for one year and have worked 1,250 hours to be eligible.

If you are like most people, you want to make sure that your loved ones are adequately provided for should something happen to you. The City provides basic term life insurance at no cost to the employee based on annual salary not to exceed $50,000

Accidental Death & Dismemberment

At no cost to the employee, the City provides Accidental Death & Dismemberment (AD&D) insurance, which pays in addition to the Basic Term Life benefit when death occurs as a result of an accident. The AD&D benefit amount is equivalent to the Basic Term Life benefit.

Long Term Disability Insurance

At no cost to benefit eligible employees, the City provides Long Term Disability (LTD) Insurance, an income replacement program that protects the employee in the event of a non-service incurred disability. If the employee is unable to perform their job duties and meets the insurance company’s eligibility requirements. New hires are covered 30 days after the first day of the next month of being hired; regular full time police officer are covered for the first five (5) years of employment only.

The City offers a variety of voluntary benefits that may be purchased separately on a voluntary basis and premiums paid by payroll deduction on an after-tax basis, for most products. Available plans include coverage for the below.

Trustmark

• Group Short Term Disability
• Group Whole Life Insurance
• Group Critical Illness
• Group Accident
• Group Universal Life Events
• Group Hospital StayPay

Reliance Standard

Group Term Life Insurance offers coverage for employees, their spouse or your child(ren) at different benefit levels. Eligible newly hired employees may purchase voluntary employee life insurance without having to go through Medical Underwriting, also known as Evidence of Insurability (EOI), up to the Guaranteed Issue amount of $100,000. Units can be purchased in increments of $10,000, not to exceed a maximum of $300,000.

Preferred Legal

Employees have the opportunity to enroll in a voluntary pre-paid legal program. By enrolling in this plan, a participant will have 24-hour direct access to attorneys who will provide a variety of legal assistance.

Protect My ID

The City offers employees the opportunity to enroll in a voluntary ID protection plan . By enrolling in this plan, a participant will have 24-hour direct access to ID protection and $1,000,000 Identity Theft Insurance to cover items like illegal electronic funds transfer, lost wages, legal fees and private investigator costs, subject to guidelines.

Veterinarian Pet Insurance (VPI)

Employees have the opportunity to enroll in various pet health insurance plans which fit your pet’s needs. Pricing and plans are based on various factor such as breed and age of pet.

Deferred Compensation

When an employee retires, we want them to maintain their current lifestyle. Social Security and pension plan payments are not intended to replace all of your income at retirement. Two options to choose from:

1. Deferred Compensation Plan 457(b) is a tax deferred savings plan
2. Roth 457(b) plan which is post tax.
   
   • Contributions are invested in the products of your choice.
   • Governed by Section 457 of the Internal Revenue Code.
   • The deferred compensation plan allows loans with some restrictions

Flexible Spending Accounts

The City offers Flexible Spending Accounts (FSAs), which are Internal Revenue Code (IRC) approved accounts that allow you to pay out-of-pocket health expenses and dependent care expenses without paying taxes, saving you tax dollars. Be careful not to over budget because if you do not use all the funds in these accounts, the IRC forces you to forfeit the unused monies after the grace period.

If you have predictable medical expenses for yourself or your family, such as deductibles and copays, or any work-related day care expenses, FSAs may be right for you. FSAs allow you to set aside money for reimbursement of health care and day care expenses you regularly pay. The amount you set aside is not taxed and is automatically deducted from your paycheck and deposited into the FSA. During the year, you have access to this account for reimbursement of some expenses that are not covered by insurance. An FSA not only results in a substantial tax savings, it also increases your spending power. There are two types of FSAs detailed below.

Health Care Reimbursement Account

This account allows you to set aside up to an annual maximum of $2,500. This money will not be taxable income to you and can be used to offset the cost of a wide variety of eligible health expenses that generate out-of-pocket costs for you or your qualified dependents.

Employees can also receive reimbursement for expenses related to dental and vision care (that are not classified as cosmetic).

Examples of common expenses that qualify for reimbursement are listed below.

Note: The entire Health Care FSA election is available to you on the first day coverage is effective.

Dependent Care Reimbursement Account

This account allows you to set aside up to an annual maximum of $5,000 if you are single or married and file a joint tax return ($2,500 if you are married and file a separate tax return) for work-related day care expenses.

Qualified expenses include adult and child day care centers, preschool, and before/after school care for eligible children and adults.

Please note that if your family’s annual income is over $20,000, this reimbursement option will most likely save you more money than the dependent care tax credit you take on your tax return.

To qualify, your dependent must be:

• A child under the age of 13, or
• A child, spouse or other dependent that is physically or mentally incapable of self-care and spends at least 8 hours a day in your household.

Note: Unlike the Health Care FSA, you will only be reimbursed up to the amount that has been deducted from your paycheck for Dependent Care expenses.

The City of Plantation offers employees and dependents 10+ an on-site clinic with Primary Care services available to them at no cost including limited prescriptions.

Hours of Operation:
Monday / Wednesday / Friday: 7:30 a.m. – 4:30 p.m.
Tuesday: 7:30 a.m. – 8 p.m.
Thursday: 11 a.m. – 8 p.m.

Behavior Health Services

The onsite clinic provides Behavioral Health services both in-person and virtually at no cost. Employees and their covered dependents can access support for a wide range of issues, including depression, grief, relationship challenges, PTSD, eating disorders, substance abuse, self-esteem, and other life challenges.

This Wellness Program was created to inspire employees to take stock in their personal health/wellness by creating awareness with well-organized activities that will ultimately increase overall personal wellness. We’d like to create a culture of wellness within the City of Plantation and encourage all employees to take responsibility for their health and well-being.

The City’s Wellness Program, partnered with Marathon Health, was designed for all levels of employee wellness. Whether it’s trying to improve your health or obtain a certain fitness level, employees will gain insight as to what areas they need to improve on in order to achieve and maintain optimal personal wellness. Achieving optimal wellness can increase psycho-physiological well-being, social success, efficiency at work, and overall energy and happiness.

UnitedHealthcare creates and publishes the machine-Readable Files on behalf of the City of Plantation.  To link to the Machine-Readable Files, please click on the URL provided below:

transparency-in-coverage.uhc.com