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Frequently Asked Questions for Retirees
Questions1. What are my options when I decide to retire?
2. What is Open Enrollment?
3. How do retirees participate in Open Enrollment?
4. When will my benefit changes take place?
5. What changes can I make during Open Enrollment?
6. Do I need to take any action during Open Enrollment if I do not wish to make any changes?
7. Can I make changes to my coverage at any time?
8. Where can I get a list of providers for the plan I am interested in joining?
9. What happens when I become eligible for Medicare due to disability or if I turn 65?
10. How can I change or cancel my health insurance plan during Open Enrollment?
11. As a Surviving Spouse, am I entitled to this health insurance if I remarry?
12. If I cancel my group health insurance, may I re-enroll at a later date?
13. Who administers the life insurance for retirees?
14. What is the benefit amount for retiree life insurance?
15. Since I am already covered on Retiree Life Insurance, may I enroll in the Optional Life and Accident and Disability insurance coverage?
16. How do I update my address with People First?
17. Can I pay my premium electronically?
18. Whom can I contact to see if my premium has been received?
19. Where do I send dependent documentation and enrollment forms?
Answers
1. What are my options when I decide to retire?
- Look for your Retiree package in the mail.
- Health — continue through COBRA for up to 18 months or elect retiree coverage
- Basic Life — choose either the $2,500 or the $10,000 benefit (Optional Life is not available)
- Dental and Vision — continue through COBRA for up to 18 months
- Other Supplemental Plans — contact your insurance company about converting your policy or buying an individual plan
- Health Savings Account — make contributions until Medicare eligible, but the state will no longer make contributions
- Medical Reimbursement Account — continue through the end of the calendar year if you pay the balance and complete the MRA Options when Employment Ends form
- Dependent Care Reimbursement Account — ends with your last employee payroll deduction, but you can file claims that were incurred before your termination date
2. What is Open Enrollment?
Open Enrollment is a time period each year when retired state employees can make changes to their benefits; for example, change from individual to family health coverage, add or delete dependents and change health plans.
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3. How do retirees participate in Open Enrollment?
Retirees can make changes on the People First website, submit election forms, or call (866) 663-4735. TTY users dial (866) 221-0268.
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4. When will my benefit changes take place?
The changes made during the Open Enrollment period will be effective on January 1 of the following year.
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5. What changes can I make during Open Enrollment?
As a retiree, you may change your health coverage to individual or family. You may change your health plan. You may add or drop dependents or you may cancel.
Retirees may also increase, decrease or cancel life insurance coverage during the Open Enrollment period.
If you cancel your coverage, you will not be allowed to join the plan at a later date.
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6. Do I need to take any action during Open Enrollment if I do not wish to make any changes?
You should always look at your mailed benefit materials so that you will be aware of premium increases and plan changes. If you do not wish to make changes, your benefits will carry over to the next plan year.
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7. Can I make changes to my coverage at any time?
You may cancel your coverage at any time, but you will not be allowed to re-enroll in the program at a later date; otherwise, you must experience a Qualifying Status Change (QSC) event and make changes within the QSC window.
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8. Where can I get a list of providers for the plan I am interested in joining?
You can find contact information in this document. Your health insurance company may have a listing of network providers on its website. Call the number on the back of your insurance card; your health plan's member services can also help you locate a network provider.
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9. What happens when I become eligible for Medicare due to disability or if I turn 65?
When you or your spouse becomes eligible for Medicare, send a copy of your Medicare ID card to People First and enroll in Medicare Parts A and B through Social Security. If you are eligible for Medicare, the State Group Insurance Plan pays health insurance claims secondary to (after) Medicare, even if you don’t sign up for or purchase Medicare Part B, medical. This also applies to dependents on your plan who are eligible for Medicare.
Failure to buy Medicare Part B means you will have significant out-of-pocket expenses for Part B eligible services because you will be required to pay the portion (approximately 80 percent) that Medicare would have paid. If you choose to continue your state health insurance coverage once you’re eligible for Medicare, you should elect your Medicare Part B coverage. Although Medicare does not require you to purchase Part B, it is in your financial interest to do so.
For proper enrollment and claims processing, send a copy of your Medicare ID card as soon as you get it from the Social Security Administration to:
People First
P. O. Box 6830
Tallahassee, FL 32314
Fax: (800) 422-3128
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10. How can I change or cancel my health insurance plan during Open Enrollment?
Log on to https://peoplefirst.myflorida.com or call the People First Service Center at (866) 663-4735 to request the appropriate forms or you may make changes during the phone call.
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11. As a Surviving Spouse, am I entitled to this health insurance if I remarry?
No. But you may submit a copy of your marriage license to continue under COBRA for 18 months.
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12. If I cancel my group health insurance, may I re-enroll at a later date?
No. If you are retired and you cancel your enrollment in the State's Group Health Insurance Program, or you allow your coverage to terminate due to nonpayment of premiums, you may not re-enroll at a later date as a retiree.
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13. Who administers the life insurance for retirees?
Minnesota Life. Visit www.lifebenefits.com/florida or call (888) 826-2756.
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14. What is the benefit amount for retiree life insurance?
There are two levels of cost and coverage for retirees: $29.65 per month for $10,000 of coverage and $7.41 per month for $2,500 of coverage.
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15. Since I am already covered on Retiree Life Insurance, may I enroll in the Optional Life and Accident and Disability insurance coverage?
Retirees are not eligible to enroll in Optional Life insurance.
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16. How do I update my address with People First?
Retirees should update their address through People First at https://peoplefirst.myflorida.com. Or call the People First Service Center at (866) 663-4735.
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17. Can I pay my premium electronically?
If you are receiving a monthly retirement benefit from the Division of Retirement, your premium may be deducted from your benefit, or you have the option of setting up electronic payments online through your personal bank. If you choose to do the latter, be sure you notify your bank each time premium costs increase to be sure your coverage continues.
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18. Whom can I contact to see if my premium has been received?
Call the People First Service center at (866) 663-4735 to verify receipt of your premium.
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19. Where do I send dependent documentation and enrollment forms?
People First
P. O. Box 6830
Tallahassee, FL 32314
Fax: (800) 422-3128
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