Health Insurance

UWF offers comprehensive health coverage to meet the needs of you and your family through a variety of health plans. Each plan is focused on helping you stay healthy through preventive care benefits as well as providing access to healthcare services when you need them. Each option covers most of the same types of health services, but provides those services and shares costs with you in a different way.

Types of Plans and Services Covered

Although the benefits are similar from all providers, there are some differences. For example, out of pocket expenses differ between plans, but the premiums are the same. The monthly premiums are $50 for individual coverage and $180 for family coverage. If you elect to participate in the HDHP (High Deductible Health Plan), the premiums will be $15 for individual coverage and $64.30 for family coverage. All premiums listed reflect the Employee Contributions for a full-time employee.

UWF offers two types of health insurance plans, an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization). To assist in your decision making process, the MyFlorida Benefits Web site includes a wealth of health-related information, as well as Insurance and Flex Spending Calculators.

HMO: (Health Maintenance Organization)

The self-administered, pre-paid health plan is available to employees who live or work within the HMO's service area. There is no coverage for services outside of the HMO’s network except for life or limb threatening emergencies. In the HMO plan, you will pay a co-payment for routine services and emergency room visits.

PPO: (Preferred Provider Organization)

This self-insured health plan is administered by Blue Cross and Blue Shield of Florida, Inc. This plan provides you with the freedom to go to any health care provider. In-network providers meet a lower deductible and lower co-payment for services than non-network providers. With the PPO plan, you do have the flexibility to receive medical attention wherever you are.

Spouse Program

When two benefits-eligible employees of the State (including Agencies, Universities, or State Colleges) are married to one another, they can enroll in the Health Plan's Spouse Program and pay reduced premiums. The enrollment process is different from other health plan enrollments, so employees should work closely with the Human Resources Benefits Team to sign up for this program. To access the significant monthly savings, enrollment must occur within 60 days of becoming eligible, so please do not delay in contacting Human Resources for more information.

Eligibility

Health insurance is available to all benefit-eligible employees. Coverage is available to eligible Other Personal Services (OPS) employees under the Affordable Care Act. The University of West Florida and the employee share the cost of premiums on either a pre-tax or post-tax basis. Employees have 60 days from their date of hire to enroll. Plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll

Complete enrollment with People First.
Submit a confirmation statement to the Human Resources Benefits Section to ensure proper setup of payroll deductions. You may send these by email to Human Resources or by Campus Mail to HR in Building 20E, Room 117.

Available Health Insurance Plans and How They Work
Type of Health Plan	How it Works
Standard PPO (Florida Blue)	Flexibility to receive care from in- or out-of-network providers (in-network=lower cost) Cost-sharing: You have a deductible to meet before the plan pays towards the cost of your healthcare services, except for most preventive care services, plus you pay coinsurance and copayments for most services (up to an annual maximum) Annual deductible is $250/$500 (per person/family aggregate) in-network and $750/$1,500 out-of-network View Plan Brochure for cost-sharing details (coinsurance percentages, and annual maximums) Prescription drug co-pays: $7/$30/$50 (generic/preferred/non-preferred)
Standard HMO (provider company varies by region) See: Health Plans in Your Area	You pay the entire cost if you receive care from a non-network provider, except in certain health emergencies No deductible. You pay a copayment when you receive care from network providers View Plan Website for list of network providers Prescription drug co-pays: $7/$30/$50 (generic/preferred/non-preferred)
High-Deductible Health Plan (HDHP) PPO (Florida Blue)	Flexibility to receive care from in- or out-of-network providers (in-network=lower cost) Cost-sharing: You have a deductible to meet before the plan pays towards the cost of your healthcare services, except for most preventive care services, plus you pay coinsurance and copayments for most services (up to an annual maximum) Annual deductible is $1,650/$3,300 (per person/family aggregate) in-network and $2,500/$5,000 out-of-network View Plan Brochure for cost-sharing details (coinsurance percentages and annual maximums) Prescription drug cost share, after meeting deductible: 30%/30%/50% (generic/preferred/non-preferred)
High-Deductible Health Plan (HDHP) HMO (provider company varies by region) See: Health Plans in Your Area	You pay the entire cost if you receive care from a non-network provider, except in certain health emergencies Cost-sharing: You have a deductible to meet before the plan pays towards the cost of your healthcare services, except for most preventive care services, plus you pay coinsurance and copayments for most services (up to an annual maximum) Annual deductible is $1,650/$3,300 (per person/family aggregate) View Plan Brochure for cost-sharing details (coinsurance percentages and annual maximums) Prescription drug cost share, after meeting deductible: 30%/30%/50% (generic/preferred/non-preferred) View Plan Website for list of network providers