Insurance Options

Health and Wellbeing

As a part of your total compensation package, the State of Florida offers competitive and comprehensive benefits to meet the needs of employees’ and their dependents. New employees have sixty days from their date of hire to enroll in these plans. Plan changes can also be made during the annual open enrollment period, or if you experience an approved qualifying status change. All enrollments in State-sponsored plans are completed through People First, the State’s third party benefits administrator.

Additional details on all of the State Insurance plans are included in the State Benefits Guide. State Group Insurance provider contact information is published on the State Benefits website

Aetna Logo

Florida Blue logo

Optum RX logo

Health Plans

The State of Florida offers comprehensive health coverage for you and your family through a variety of health plans. Each plan helps you focus on preventative care and wellness. Four different plan options are available to you: Standard PPO, Standard HMO, High Deductible PPO and High Deductible HMO. The HMO provider company varies by region. Optum RX is the new prescription drug company for all four plans, however costs will vary depending on the plan that you choose. 

OpTUm Rx prescription drug plan

Please click here for additional information on Dependent Eligibility. 

Compare PPO & HMO Plans

Compare Standard vs High Deductible Plan

Employee Health Premiums

2024 Aetna BENEFIT Guide


2024 Summary of Benefits Coverage (SBC)

Aetna Standard

Aetna High Deductible Health Plan

Florida Blue Standard

Florida Blue High Deductible Health Plan

Dental Plans

Dental Plans

The State of Florida offers an array of dental plan options and with different levels of coverage.  The dental plans are divided into four categories: PPO, Indemnity, Indemnity with PPO and Prepaid. Some plans have limited networks and pay for only services provided by an in-network dental provider, while other plans provide in and out of network coverage. Be sure to verify if your dentist is in network or that there are a variety of choices available that are accepting new patients.

Please review our dental overview for details on plans and monthly premiums.

2024 Dental Chart

2024 Dental Premiums

2024 Provider Brochures

Ameritas Dental

Cigna Dental

Humana Dental

MetLife Dental

Sun Life Indemnity PPO

Sun Life Prepaid Dental

Click here for the State Dental Plan website.

Vision Plans

Vision Plans

The health of your eye is an important component of your overall health and wellness. The State of Florida offers Exam and Materials vision coverage through Humana Vision at an affordable cost.

2024 Vision benefits guide

Securion Financial Life Insurance

Life Insurance

The State of Florida and FGCU offer group term life insurance to eligible employees through Securian Financial at no cost to the employee. All benefit earning employees are automatically enrolled in the Basic Life coverage through the State of Florida in the amount of $25,000. FGCU provides additional coverage in the amount of 1.5 times your basic annual earnings.

Supplemental coverage is also available for employees and eligible dependents, including optional employee life, dependent spouse and dependent child coverage.

Visit Benefit Scout, Securian's interactive guide, to determine the coverage amount right for you and learn how to calculate your monthly premium. 

STATE Life Insurance FGCU Life Insurance

Savings Accounts

Savings/Spending Accounts

The State of Florida offers eligible employees three types of reimbursement accounts that provide you a tax break on your out-of-pocket expenses. Options include: health and dependent care flexible spending accounts, health savings accounts and health reimbursement accounts. Annual contribution limits may apply in addition to annual deadlines to use the funds.

For additional information please review the Savings and Spending Comparison Chart.

guide to Savings & spending accounts

Flexible Spending Account (FSA) Guide

Health Savings Account (HSA) Guide


Chard Snyder Mobile App

Health Savings Account (HSA) FAQ

Flexible Spending Account (FSA) FAQ

Health Reimbursement Account (HRA) FAQ

Supplemental Insurance

Supplemental Plans

The State of Florida offers eligible employees supplemental plans that pay benefits directly to you, in addition to the benefit received from your health insurance plan. The employee pays the full premium for any elected plan on a bi-weekly, pre-tax basis. Plans may require medical underwriting and may exclude coverage for pre-existing conditions. For additional information please click here

Supplemental insurance PLANS

2024 Provider Brochures

AFLAC Cancer & Hospital Intensive Care Insurance

Cigna Health Hospitalization

Colonial Life Accident, Cancer & Disability Insurance

New Era Hospitalization Insurance 

Shared Savings Accounts

Shared Savings

The State of Florida offers a Shared Savings Program to reward you for making informed decisions about your healthcare. The Shared Savings Program is a voluntary program that is available to you and your dependents who are enrolled in a State Group Insurance health plan. The purpose of the Shared Savings Program is to reduce healthcare costs and reward you for making informed and cost-effective decisions about your healthcare.

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Long Term Disability Coverage

Long-Term Disability

Florida Gulf Coast University offers Long Term Disability Insurance through Gabor Financial Solutions, underwritten by The Standard Insurance Company, to protect your income in the event you experience an unexpected illness or injury. The coverage replaces 60% of your income tax-free to a maximum of $15,000 per month. Benefits can begin at either 30 days or 90 days.  

To enroll in Disability Insurance, please contact Gabor Financial Solutions at 800-330-6115 or


Optional Life Insurance

Optional Life Plans

Florida Gulf Coast University offers Optional Life Insurance through Gabor Financial Solutions, underwritten by either Mass Mutual, The Standard or Symentra, to provide long term financial stability to your family in the event of unfortunate circumstances. Options include: whole life insurance, level term life insurance and group term life insurance. Dependent coverage and portability are options as well.




View Benefit Webinars: State Group Insurance Webinars

Online Benefits Enrollment: People First

People First: 866-663-4735

Summary Plan Descriptions: Resources

Making Changes to Your Plans (Open Enrollment and Qualifying Status Changes): Eligibility and Enrollment

Download Benefits Presentation