Retiree 

As a retiree of Miami-Dade County Public Schools (M-DCPS), you are eligible to continue healthcare coverage for you and your eligible dependents, if currently insured. If you maintained at least one active flexible benefit, you are eligible to enroll in any of the following flexible benefits:

• Dental:Delta Dental (DHMO & PPO) and UnitedHealthcare Dental (DHMO & PPO)
• Vision:EyeMed
• Legal:ARAG and Hyatt (MetLaw)
• Identity Theft Protection:ID Watchdog

Additionally, you must be currently participating in the following benefits, to be eligible to enroll. You can continue or decrease the coverage level, but you cannot increase it.

• Hospital Indemnity Coverage (HIC):Metropolitan Life Insurance Company (MetLife)
• Voluntary Life:Metropolitan Life Insurance Company (MetLife)
• Accidental Death and Dismemberment (AD&D):Metropolitan Life Insurance Company (MetLife)

If you do not elect to continue your healthcare and/or flexible benefits at this time, you will never be able to enroll in a School Board sponsored plan.

Yes, if currently insured. Otherwise, you will need to wait until the next open enrollment period.

No. You must cover yourself in order to cover your eligible dependent(s). Be sure to coordinate your healthcare election with your spouse’s in the event that only one of you is Medicare eligible.

Yes. You can terminate your dependent coverage, but you will not be eligible to re-enroll until the next open enrollment, unless you have experienced a qualifying Change in Status (CIS) Event, provided you have maintain your enrollment in a School Board sponsored Healthcare plan.

Under Age 65 and NOT Medicare Eligible or Over Age 65 and TRS NOT Medicare eligible:

Eligible retirees or dependents may choose to enroll in one of the below Cigna healthcare plans:

• Cigna OAP High
• Cigna OAP Standard
• Cigna SureFit

Over Age 65 or Under Age 65 with Medicare Parts A & B:

The below healthcare and prescription plans are available through the School Board. These plans are only offered to Medicare recipients enrolled in both Medicare Parts A & B.

• Ten Medicare Advantage Plans: Four AvMed (Medicare Choice HMO (Miami-Dade County only and Broward County only) and Medicare Circle (Miami Dade County only and Broward County only)); Cigna Leon Cares; three Humana (HMO, Comprehensive PPO and Traditional PPO) plans; and two UnitedHealthcare (UHC)(Differential PPO and Passive PPO) plans
• Three UHC Medicare Supplement Plans: A, G & N
• Four Part D Prescription Drug Plans (PDP): UHC (4-Tier High, 4-Tier Low and 5-Tier Standard)

To enroll in Medicare Part B, contact your local Social Security office. According to CMS guidelines, you are required to enroll in a Medicare Product. The Office of Risk and Benefits Management will send you an Over 65 Benefits Package, 60 days prior to the birth month in which you reach age 65 to provide you with the opportunity to enroll in an offered Medicare healthcare plan. You will be automatically dis-enrolled from your Cigna healthcare plan.

It is your responsibility to notify us of Medicare entitlement awarded before age 65, if not, this will result in an automatic termination of your Cigna plan.

Yes. Dependent documentation must be submitted for all covered dependents, if not previously submitted. If documentation is not provided your dependent will lose their eligibility status.