OPPAGA text logo with graphic of FL historic capitol
OPPAGA text logo with graphic of FL historic capitol

Department of Management Services

Insurance Benefits Administration

What is the purpose of the division?

In accordance with s. 110.123, Florida Statutes, the Division of State Group Insurance offers and manages a comprehensive package of health and welfare insurance benefits, including a variety of health insurance options, flexible spending and health savings accounts, life insurance, vision insurance, dental insurance, and other supplemental insurance products.  These benefits allow active and retired state employees and surviving spouses the option to choose pre-tax and post-tax benefit plans that best suit their individual needs. Specific administrative functions include client relations, benefit plan analysis, product development and procurement, contract management, compliance, fiscal control and management, and information technology support.

What health insurance plans are available?

Employees choose one of two health insurance plans, both of which have two options available:
  • Preferred Provider Organization (PPO) plans (standard and high deductible); and
  • Health Maintenance Organization (HMO) plans (standard and high deductible).
Both insurance plans are paid with pretax dollars and both are available throughout the state. All options provide enrollees access to a variety of services such as physician care, inpatient hospitalization, outpatient services, and prescription drugs. Eligible employees elect to enroll in one of the options and may select either individual or family coverage. A list of health plan providers by region is available online.

What are the premiums for health insurance coverage?

The active employee monthly insurance premiums for the standard PPO/HMO plans are shown below.
  • Single plan-$763.80 ($50 for enrollee and $713.80 for state)
  • Family plan-$1,719.32 ($180 for enrollee and $1,539.32 for state)
The active employee monthly insurance premiums for the health investor PPO/HMO plans are shown below.
  • Single plan-$728.80 ($15.00 for enrollee and $713.80 for state).If the employee chooses to enroll in a health savings account, the state will contribute up to $500 annually to the employee's health savings account.
  • Family plan-$1,603.62 ($64.30 for enrollee and $1,539.32 for state). If the employee chooses to enroll in a health savings account, the state will contribute up to $1,000 annually to the employee's health savings account.

What other types of benefits are offered?

  • Basic Term Life Insurance Coverage. A free $25,000 basic life insurance benefit is available to all full-time employees. Part-time employees may enroll and pay prorated premiums based on their full-time equivalent rate. OPS employees pay the $3.58 monthly premium. Included in the basic life insurance is Life and Accidental Death and Dismemberment Insurance; in the event of an accidental death or dismemberment, the insurance will pay based on the severity of the injury or the equivalent of 25% to 100% of the coverage amount.
  • Flexible Spending Accounts. The Flexible Spending Accounts Program allows state employees to set aside a portion of their pre-taxed income to pay for qualified health and dependent care expenses. Money can be deducted from employee paychecks to shelter those funds from federal income or Social Security taxation, in accordance with federal laws and guidelines. There are three flexible spending accounts available to state employees: (1) Dependent Care Reimbursement, (2) Healthcare Reimbursement (for those participants not enrolled in a Health Savings Account), and (3) Limited Purpose Reimbursement (for eligible dental and vision expenses; can be paired with a Health Savings Account).
  • Health Savings Accounts. The Health Savings Accounts are available to participants of a high deductible health plan and are personal bank accounts created exclusively for individuals to pay for eligible health expenses and save for future health care expenses tax free. The employer makes a monthly contribution to a participant's health savings account of up to $500 for individual coverage (combined employee and employer contributions have a limit of $3,550 per year) and up to $1,000 for family coverage (combined employee and employer contributions have a limit of $7,100 per year).
  • Optional Group Life Insurance Plan. In addition to the free $25,000 basic life insurance for full time employees, the Optional Group Life Insurance Plan is a salary-multiple term life insurance plan available for all full-time employees (and part time employees who enroll in basic term life insurance), with employees electing 1 to 7 times their base annual earnings with a maximum benefit level of $1,000,000.
  • Supplemental Insurance. A number of employee-pay-all supplemental insurance plans are offered for hospitalization, cancer, intensive care, accident, disability, dental, and vision care.

How are these activities funded?

Fiscal Year: 2020-21
Fund Salary Rate/ Position General Revenue Trust Funds
SALARY RATE
POSITIONS
SALARIES AND BENEFITS
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES LIFE INSURANCE TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
FROM STATE EMPLOYEES DISABILITY INSURANCE TRUST FUND
OTHER PERSONAL SERVICES
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
EXPENSES
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES LIFE INSURANCE TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
FROM STATE EMPLOYEES DISABILITY INSURANCE TRUST FUND
OPERATING CAPITAL OUTLAY
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
POST PAYMENT CLAIMS AUDIT SERVICES
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
CONTRACTED SERVICES
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
ADMINISTRATIVE SERVICES ONLY CONTRACT FOR HEALTH INSURANCE
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
PRESCRIPTION DRUG CLAIMS ADMINISTRATION
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
TRANSPARENCY-BUNDLED-ADMINISTRATIVE SERVICES FOR STATEWIDE CONTRACTS
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
RISK MANAGEMENT INSURANCE
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES LIFE INSURANCE TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
CONTRACTED LEGAL SERVICES
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
PAYMENT OF EMPLOYER CONTRIBUTIONS TO HEALTH SAVINGS ACCOUNT CUSTODIAN
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
LEASE OR LEASE-PURCHASE OF EQUIPMENT
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
TRANSPARENCY-BUNDLED SERVICES FOR EMPLOYEE TRANSFERS
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
SPECIAL CATEGORIES
TRANSFER TO DEPARTMENT OF MANAGEMENT SERVICES - HUMAN RESOURCES SERVICES PURCHASED PER STATEWIDE CONTRACT
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
DATA PROCESSING SERVICES
DATA PROCESSING ASSESSMENT - DEPARTMENT OF MANAGEMENT SERVICES
FROM PRETAX BENEFITS TRUST FUND
FROM STATE EMPLOYEES HEALTH INSURANCE TRUST FUND
TOTAL
0
72,803,210

Where can I find related OPPAGA reports?

A complete list of related OPPAGA reports is available on our website.

Where can I get more information?

What are the applicable statutes?

Sections 110.123, 110.161, 112.19, 112.191, and 641.225, Florida Statutes.

Whom do I contact for help?

Division of State Group Insurance, 850-921-4600 

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