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HEALTH TRUST

Supporting Member Wellness

Health Trust Coverage Options

At Fort Lauderdale FOP, we are committed to offering comprehensive and flexible medical plans to our members through the Health Insurance Trust. Our plans are designed to cater to diverse needs and include bundled benefits for dental and vision care. The Health Trust is pleased to offer its eligible members the opportunity to elect coverage under either of the medical plans offered.  Through United Healthcare, eligible members can elect either the Choice – Low Option, or the Choice Plus – High Option medical plans. When choosing either plan, the Health Trust has bundled the Dental and Vision election all under one election.  

Available Medical Plans

Choice – Low Option (EPO):

  • Provider Network: Coverage through the United HealthCare National Choice Network.

  • Coverage Type: In-Network provider services only, except in emergencies.

  • Plan Features: Focuses on affordability with essential coverage and network restrictions to manage costs.

Choice Plus – High Option (PPO):

  • Provider Network: Broad access through the United HealthCare National Choice-Plus Network.

  • Coverage Type: Includes both in-network and out-of-network provider coverage.

  • Flexibility: Offers more flexibility for members seeking healthcare services from providers who are not contracted with United Healthcare.

Doctor and Patient

Wellness Program Compliance

The Fort Lauderdale FOP Health Insurance Trust remains dedicated to maintaining member wellness through proactive preventative testing. It is crucial for all active and retired members under 65, as well as their covered spouses, to participate in our annual wellness initiatives.

Requirements:​

  • Annual Discussion: Members must discuss recommended screenings with their Primary Care Physician.

  • Mandatory Screenings: All required screenings must be completed and documented as specified. (results are not requested)

  • Form Submission: The completed Wellness Form must be returned by the specified deadline.​

Life Events
Insurance Adjustment Procedures

Life events can significantly impact your insurance needs. Our Health Trust provides the opportunity to adjust your coverage in light of such events.

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Qualifying Life Events Include:

  • Marriage

  • Divorce

  • Birth or adoption of a child

  • A dependent's change in insurance status

  • Change in employment status

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Procedure:

  • Notification: Notify the Health Trust Benefits Team within 31 days of the event.

  • Documentation Submission: Submit a United Healthcare Enrollment Application and an updated Dependent Affidavit within the 31-day window.

Required Documentation for Life Events

Adding a Legal Spouse:

  • Photocopy of marriage certificate

  • Photocopy of Social Security card

  • Photocopy of a joint document (e.g., utility bill, mortgage statement)

Adding a Natural/Adopted Child or Stepchild:

  • Photocopy of birth certificate or court document

  • Photocopy of Social Security card

Divorce:

  • Photocopy of divorce paperwork

Eligibility and Enrollment

Eligible Team Members:

Full-time team members working 30 or more hours per week are eligible to enroll in the FOP Fort Lauderdale Benefits.

Eligible Dependents Include:

  • Legal spouse.

  • Children up to age 26.

  • Children over 26 who cannot support themselves due to disabilities.

Enrollment Opportunities:

  • Upon date of hire.

  • During annual enrollment.

  • Within 31 days of qualifying life events.

Plan Premiums:

  • Active Member Premiums are bi-weekly and pre-tax, including medical, dental, and vision coverage.

  • Retiree Member Premiums are monthly and post-tax including medical, dental, and vision coverage.

  • Premium variations based on the chosen option and coverage level.

When Coverage Begins

Newly hired team members and dependents will be eligible to participate in the FOP Fort Lauderdale’s benefits program from the Date of Hire.  All Health Trust members enrolling dependents must complete and return the Dependent Affidavit Form and supporting documents within the last 31 days of the election change.  All elections are in effect for the entire plan year and can only be changed during Open Enrollment, unless you experience qualifying events such as a change in family status.  

When Coverage Ends

Medical, Dental and Vision coverages will end on the last day of the month in which employment ends.

When Can you Enroll?

You can sign up for Benefits at any of the following times:

• Upon Hire

• During Annual Enrollment

• Within 31 days of a qualified family status change

 

If you do not enroll at one of the above times, you must wait for the next annual open enrollment period.

Additional Benefits and Services

  • Provided through Maxor National Pharmacy Services, similar across both medical options.

  • Out-of-network pharmacies are not covered.

  • PPO Plan covering in-network or out-of-network dental services, with cost savings for in-network choices.

  • Provided through United HealthCare using the Spectera Vision Network, with in-network and out-of-network coverage.

Provided by Trustmark

  • Life + Care Insurance.

  • Accident Insurance.

  • Critical Events Insurance.

  • Hospital Stay Insurance.

  • What medical plans are available through the Health Trust?
    The Health Trust offers two types of medical plans through United Healthcare: Choice – Low Option (EPO): This plan is an Exclusive Provider Organization (EPO) that provides coverage through the UnitedHealthCare Choice Network. Coverage is available only when using an In-Network provider, except in the case of medical emergencies. Choice Plus – High Option (PPO): This Preferred Provider Organization (PPO) plan provides coverage through the UnitedHealthCare Choice-Plus Network, offering flexibility to see both In-Network and Out-of-Network providers.
  • Who is eligible to enroll in the Health Trust benefits?
    Eligible Team Members: Full-time team members working 30 or more hours per week. Eligible Dependents: Legal spouses, children up to age 26, and children over 26 who cannot support themselves due to disabilities are eligible.
  • When does coverage begin and end?
    Coverage Begins: Coverage for newly hired team members and their dependents starts from the date of hire. Coverage Ends: Coverage concludes on the last day of the month in which employment ends.
  • How and when can I enroll in benefits?
    You can enroll in benefits upon hire, during annual enrollment, or within 31 days of a qualified family status change. If these conditions are not met, you must wait until the next open enrollment period.
  • What are the premiums for the health plans?
    Members contribute a bi-weekly pre-tax premium, which varies based on the selected medical plan and coverage level: Plan Options: Choice-Low Option or Choice-Plus High Option. Coverage Levels: Employee Only, Employee and Spouse, Employee and Child(ren), or Family.
  • What additional benefits are available?
    Pharmacy Benefits: Offered through Maxor National Pharmacy Services, with coverage similar across all medical options, excluding Out-of-Network pharmacies. Dental Benefits: Offered through the UnitedHealthCare Dental Preferred Provider Organization (DPPO), allowing In-Network and Out-of-Network options. Vision Benefits: Provided through UnitedHealthCare using the Spectera Vision Network, with choices for In-Network and Out-of-Network providers.
  • What voluntary benefits are offered?
    The Health Trust provides several voluntary benefits through Trustmark: Life + Care Insurance Accident Insurance Critical Events Insurance Hospital Stay Insurance
  • How do I handle changes in my coverage?
    To change your enrollment due to a life event, notify the Health Trust Benefits Team within 30 days of the event and submit the required documentation, including a United Healthcare Enrollment Application and a Dependent Affidavit.
  • Are there fitness benefits available?
    Yes, the Health Trust offers: One Pass Select Gym Membership: Various membership tiers, no long-term contracts, and the option to add family members. YMCA Health & Fitness Programs: Includes no joiner fee, access to all YMCA centers, and member discounts on family programs. For more detailed information, members are encouraged to refer to the Active Member Benefits Guide or contact the Health Trust directly at 954-527-9218 or via email at BenefitsHelpDesk@fop31.org.

Contact and Support

For more detailed information on plan options, premiums, or any other inquiries, please contact the Health Trust Benefits Help Desk:

Health Trust Board of Directors

Scott Moseley

President – scottm@fop31.org

Derek Joseph

1st Vice Chair – derekjoseph@fop31.org

Darren Ogden

2nd Vice Chair – darrenogden@fop31.org

Scott Hoffer

Treasurer – scotthoffer@fop31.org

Deanna Greenlaw

Secretary – deannagreenlaw@fop31.org

Leann Swisher

 Trustee – leannswisher@fop31.org

Anthony Gnisci

Trustee – anthonyg@fop31.org

Crystal Brignoni

Trustee – crystalbrignoni@fop31.org

Health Trust Alternates

VACANT

Alternate

VACANT

Alternate

VACANT

Alternate

Participants in a group fitness class practicing boxing

Wellness and Fitness Programs

YMCA Health &

Fitness Programs:
 

  • No contract requirements or joiner fee.

  • Access to fitness centers in Broward and Dade counties.

  • Discounts on family programs and personal training.

One Pass Select

Gym Membership:

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  • Flexible membership tiers, no long-term contracts.

  • Access to multiple gym facilities and online programs.

  • Discount for up to 4 family members.

Two people exercising on spin bikes in a fitness class
Free weights and dumbbells neatly arranged on a rack in a gym

Health Trust Benefits Team

C. Dean Hitsos

Benefits Manager – benefitsmanager@fop31.org

Michael R. Gillespie

Benefits Coordinator – benefitscoordinator@fop31.org

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