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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):
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Provider Network: Coverage through the United HealthCare National Choice Network.
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Coverage Type: In-Network provider services only, except in emergencies.
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Plan Features: Focuses on affordability with essential coverage and network restrictions to manage costs.
Choice Plus – High Option (PPO):
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Provider Network: Broad access through the United HealthCare National Choice-Plus Network.
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Coverage Type: Includes both in-network and out-of-network provider coverage.
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Flexibility: Offers more flexibility for members seeking healthcare services from providers who are not contracted with United Healthcare.
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:
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Annual Discussion: Members must discuss recommended screenings with their Primary Care Physician.
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Mandatory Screenings: All required screenings must be completed and documented as specified. (results are not requested)
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Form Submission: The completed Wellness Form must be returned by the specified deadline.
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Surcharges for Non-compliance:
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Active Officers: $25 bi-weekly for biometric screenings; $25 for tobacco usage.
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Retirees: $50 monthly for biometric screenings; $50 for tobacco usage.
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Spouses: Applicable surcharges for non-completion.
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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.
Qualifying Life Events Include:
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Marriage
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Divorce
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Birth or adoption of a child
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A dependent's change in insurance status
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Change in employment status
Procedure:
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Notification: Notify the Health Trust Benefits Team within 31 days of the event.
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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:
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Photocopy of marriage certificate
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Photocopy of Social Security card
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Photocopy of a joint document (e.g., utility bill, mortgage statement)
Adding a Natural/Adopted Child or Stepchild:
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Photocopy of birth certificate or court document
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Photocopy of Social Security card
Divorce:
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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:
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Legal spouse.
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Children up to age 26.
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Children over 26 who cannot support themselves due to disabilities.
Enrollment Opportunities:
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Upon date of hire.
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During annual enrollment.
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Within 31 days of qualifying life events.
Plan Premiums:
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Active Member Premiums are bi-weekly and pre-tax, including medical, dental, and vision coverage.
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Retiree Member Premiums are monthly and post-tax including medical, dental, and vision coverage.
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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
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Provided through Maxor National Pharmacy Services, similar across both medical options.
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Out-of-network pharmacies are not covered.
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PPO Plan covering in-network or out-of-network dental services, with cost savings for in-network choices.
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Provided through United HealthCare using the Spectera Vision Network, with in-network and out-of-network coverage.
Provided by Trustmark
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Life + Care Insurance.
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Accident Insurance.
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Critical Events Insurance.
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Hospital Stay Insurance.
Contact and Support
For more detailed information on plan options, premiums, or any other inquiries, please contact the Health Trust Benefits Help Desk:
954-527-9218
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
Wellness and Fitness Programs
YMCA Health &
Fitness Programs:
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No contract requirements or joiner fee.
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Access to fitness centers in Broward and Dade counties.
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Discounts on family programs and personal training.
One Pass Select
Gym Membership:
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Flexible membership tiers, no long-term contracts.
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Access to multiple gym facilities and online programs.
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Discount for up to 4 family members.
Health Trust Benefits Team
C. Dean Hitsos
Benefits Manager – benefitsmanager@fop31.org
Michael R. Gillespie
Benefits Coordinator – benefitscoordinator@fop31.org
