The City's group insurance plan year is January 1 through December 31.
The City offers the health insurance through CIGNA. The three medical plan options are:
Consumer Driven Health Plan (CDHP)
Open Access Plus Plan (OAP)
PBA Plan (for those represented by PBA only)
Members may receive services from the network of participating providers in the Open Access Only Network OR can receive services from out-of-network providers (providers that do not participate in the network). Members are then responsible for coinsurance based on the plan's discounted fee (the allowable amount). In addition to coinsurance, out-of-network providers may also "balance bill", which is the difference between the plan's allowable amount and the out-of-network provider's retail fee for any particular service. Therefore, members have the potential to maximize their benefits when services are received by in-network providers.
Dental Insurance Coverage
The city offers dental insurance administered by Cigna. The Dental Preferred PPO Plan is an "open access" plan that allows services through a participating PPO Radius Network dental provider. As described above, the use of out-of-network providers can result in a much higher cost to the member. Click on the title below to view the summary plan description for detailed information.
Consumer Driven Health Plan (CDHP) - Single and Plus One
Consumer Driven Health Plan (CDHP) - Family
Dental PPO Plan - Preferred
Dental PPO Plan - Choice
Below are links to a quick summary of benefits for each plan. For complete details of coverage, please refer to links to the SPDs (Summary Plan Descriptions) at the top of this page.
For Claims Assistance
For help with specific claim questions, please contact Francene Marra at 386-239-5769 or by email at email@example.com.
CAFETERIA PLAN OPTIONS
As an employee of the City of Sarasota, you are eligible for medical and dental benefits. You will also receive $10,000 worth of term life insurance at no cost through Standard Life Insurance. Coverage will commence the first of the month following your hire date. See chart below for single and dependent rates. If you choose to cover your dependents on your medical/dental insurance plan, there is a premium for employee + 1 dependent or employee + family, which is 2 or more dependents. Claims for all plans are processed through CIGNA. The bi-weekly premium will be deducted from each paycheck.
Spousal Surcharge: If a City employee carries their spouse on his/her medical coverage and the spouse is employed with access to insurance coverage through their employer AND declines that coverage, the City employee will be charged $50.00/month ($23.08/bi-weekly) in order to carry that spouse on City coverage as Primary.
Domestic partners may be covered on your medical plan if you have established an approved Domestic Partnership. A Spousal Surcharge form must be completed and submitted with enrollment forms.
You may also wish to purchase other optional coverages which are explained in detail for you on this web site.