Benefits Overview

Health Insurance

Coverage

Health insurance is provided through Florida Blue. Eligible participants choose between the Blue Options Co-Payment Plan, or the Blue Choice Preferred Provider Option (PPO).

• Blue Options Co-Payment (03559 and 3559):is a Co-Pay Plan for specific services provided with a $750.00 deductible ($2,250.00 per family aggregate) per calendar year. The maximum out-of-pocket expense should be $2,750 per person or $5,500 per family.  An optional prescription coverage plan is offered to employees for an additional cost of $0 employee or $135.77, for family coverage per month under this plan.
• Blue Options PPO (3360):has a $1,500 deductible ($4,500 per family aggregate) per calendar year. The plan has a $25.00 co-payment to your General Practitioner and CYD and Co-insurance for Specialists. The plan has prescription drug coverage, with $15 for generic, 30% for Brand Name, and 40% for Non-Preferred drug co-payments.

Rates

SWCMCD pays 100% of the monthly insurance premium for the employee only; expect employee pays for the optional prescription coverage. Family coverage is available at the participant’s cost of $378.56 monthly for plans 3559 and 3360 and $514.33 for 03559. (Per Internal Revenue Code Section 125 you may elect to have your health insurance premiums deducted from your wages on a pre-tax basis.)

Dental Plan

Coverage

SWCMCD offers a voluntary dental insurance plan paid for by the participant. Coverage is provided through UNUM and is designed to give you and your covered family members value and service through offering benefits ranging from annual dental examinations to orthodontics. (Per Internal Revenue Code Section 125 you may elect to have your dental insurance premiums deducted from your wages on a pre-tax basis.)

Dental Plan Rates 

                                         Bi-Weekly                  Monthly

Employee                        $16.78                      $36.36

Employee/Family          $36.63                      $79.37

Vision Plan

Employee vision health is an important part of complete wellness. SWCMCD offers a voluntary vision plan paid for by the participant. Coverage is provided through Avesis and is designed to give employee and their covered family members the care, value and service to help maintain good vision and overall health.

Benefit frequency in Network:

Complete eye exam every 12 month for a minimum co-pay of $25 ($10 for exam; $15.00 for materials)

• Spectacle lenses every 12 months or contact lenses every 12 months, maximum yearly allowance of $200 for contacts
• Spectacle frames every 24 months, maximum yearly allowance of $50 wholesale allowance (equivalent to approximately $150 retail value)

Spectacle lenses include single vision, bifocal, trifocal and lenticular.  Options include youth and adult polycarbonate, standard tint, standard scratch resistant coating, ultra-violet screening and standard anti-reflective coating.

Vision Plan Rates 

                                                            Bi-Weekly                               Monthly

Employee                                            $4.43                                        $8.86

Employee/Spouse                            $8.92                                       $17.84

Employee/Child or Children           $9.51                                        $19.02

Employee/Family                            $12.76                                       $25.52

Other Insurance

Extended Health Benefits

Short-Term and Long-Term Disability (UNUM)
SWCMCD provides, at no cost to the participant, a short-term (STD) and long-term disability (LTD) policy for each eligible, regular status employee.

STD benefits – Elimination period: 0 days for disability due to an injury.  7 days for disability due to a sickness.  Benefits begin the day after the elimination period is completed.  60% of weekly earnings to a maximum benefit of $1,000 per week.  Maximum period is 13 weeks (90 days).

LTD benefits – The employee must be off work for 90 days before benefits commence. LTD pays a qualifying employee 60% of his or her income up to a maximum of $6,000 monthly.

Life Insurance

Group Life Insurance (Securian Life Insurance Co)

Walton County BCC provides, at no cost to the participant, a $1,000 term life / accidental death and dismemberment insurance policy for each eligible, regular status employee.

 Group Life Insurance (Met Life)
SWCMCD provides, at no cost to the participant, a $40,000 term life / accidental death and dismemberment insurance policy for each eligible, regular status employee.

Additional Term-Life (Florida Combined Life)

Employee may purchase additional term life insurance at group rates based on your age. If employee elect additional term life insurance during the first 30 days of employment, the policy guarantees to issue $100,000 for the employee, $50,000 for covered spouses and $10,000 for each covered child.

AFLAC Insurance

Employee may purchase a variety of AFLAC product for each eligible, regular status employee.