Table of Content
- Header
-
Page
- INTRODUCTION
- BENEFITS OVERVIEW
- HOW TO ENROLL
- PLAN ELIGIBILITY
- QUALIFYING LIFE EVENTS
- MEDICAL
- DENTAL
- BASIC LIFE & AD&D and VOLUNTARY LIFE & AD&D COVERAGE
- FLEXIBLE SPENDING ACCOUNT (FSA)
- VISION
- EMPLOYEE ASSISTANCE PROGRAM (EAP)
- ADDITIONAL RESOURCES
- EXTRA BENEFITS
- IMPORTANT CONTACT INFORMATION
- Footer
INTRODUCTION
The benefits you may be eligible for as an employee of the City of Miami are extensive. To allow you enough time to review the benefit plans and make your benefit plan decisions, we have compiled the benefits information on this microsite for your review. Certain benefits have very limited time frames in which to enroll, so it is important that you review this material thoroughly to meet the time-sensitive requirements.
BENEFITS OVERVIEW
Thank you for taking the time today to review your benefit options for Open Enrollment 2025-2026. Open Enrollment is the 1x a year that you can change your elections. The only other time you are able make changes throughout the year, is if you have a qualifying event. For example, if you were to get married, divorced or have a baby - these are qualifying events that open a 30-day window to allow you to change your benefits.
To help you in making your coverage decision for 2025, the following information has been provided for you:
- 2025 City of Miami Open Enrollment Guide
- 2025 City of Miami Medical Summary of Benefits and Coverage
- 2025 Principal Dental Benefit Summary
- 2025 Principal VSP Vision Benefit Summary
- 2025 Mutual of Omaha Basic Life & AD&D Benefit Summary
- 2025 Mutual of Omaha Supplemental Life Benefit Summary
- 2025 Mutual of Omaha Supplemental Life Rate Grid
- 2025 Intro to EAP
- 2025 EAP Online Therapy
Thank you!
HOW TO ENROLL
Review your current coverage and enroll and modify your elections for 2025.
- If you'd like to change your existing coverage or make new elections, you must do so by June 21, 2025. Make sure to sign and date the enrollment form.
- Return your completed enrollment form to Laura in Human Resources.
- To participate in a Flexible Spending Account in 2025, you must make an active election, even if you're already participating in 2024.
PLAN ELIGIBILITY
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and working a minimum of 30 hours per week. Your coverage will be effective 1st of the month following your date of hire.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A 'dependent' is defined as the legal spouse and/or 'dependent child (ren)' of the plan participant or the spouse.
QUALIFYING LIFE EVENTS
IMPORTANT
You cannot make changes to these elections during the year unless you experience a qualified family status change, which must be reported to Human Resources within 30 days of the event.
If you separate from employment, COBRA continuation of coverage may be available as applicable by law.
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Event.
Common life events include: Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.
MEDICAL
Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer employees, and their families, comprehensive medical and prescription coverage.
DENTAL
The Principal Financial Group Dental Plan provides comprehensive coverage to help you and your family maintain good dental health. The plan offers deeper discounts when you visit a provider that is In-Network. To find an in-network provider, please visit the Principal Financial Group website at www.principal.com/find-dentist.
BASIC LIFE & AD&D and VOLUNTARY LIFE & AD&D COVERAGE
The City of Miami provides you with Basic & Voluntary Life/AD&D coverage through Mutual of Omaha.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for an amount equal to 1 times your annual salary, but in no event less than $10,000 or more than $120,000, coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
FLEXIBLE SPENDING ACCOUNT (FSA)
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
CONTRIBUTIONS
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
YOU MAY CONTRIBUTE AS FOLLOWS:
Health Care FSA
- Up to $3,300 annually.
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses.
HOW THE PLAN WORKS
You must incur your eligible expenses during the plan year — July 1, 2025 to June 30, 2026. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
The City of Miami offers vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the VSP Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the VSP website.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
NEW DIRECTIONS
The City of Miami offers a confidential Employee Assistance Program to employees and their family members living in their home to provide support when you need it the most 24/7/365. The program offers consultation support for finances, legal needs, managing employees, life, crisis support, coaching, adult and childcare resources, personal and professional training, in addition to digital behavioral health tools.
SUPPORT LINE: 800.624.5544
PASSCODE: Miami
WEBSITE: eap.ndbh.com
Enter Passcode: Miami
ADDITIONAL RESOURCES
EXTRA BENEFITS
Mutual of Omaha provides additional resources for you and your family members living in your home. These include:
- Coaching
- Legal/Financial support/help
- Travel Assistance & Identity Theft Assistance
- Will Preparation
IMPORTANT CONTACT INFORMATION
While we are interested and concerned about the health of our employees and their dependents, we have HIPAA Privacy Compliance obligations which limit the information shared with us. NFP is available to assist you with claims issues or any other issues you have concerning our benefits. If you are experiencing a claim issue, please contact Customer Service with the appropriate insurance company first to see if you can resolve it on your own. If not, then you need to contact our broker for further assistance. Your Account Team Contact is listed above under Broker Services.
Client Contacts
Cindy Vanover
cvanover@miamiokla.net
(918) 541-2282
Laura Stone
lstone@miamiokla.net
(918) 542-6685
Additional Contacts
Hailye Vaughn
Account Manager II
hailye.vaughn@nfp.com
918-978-7759
Robyn Setzer
Senior Account Executive
robyn.setzer@nfp.com
918.282.3517