We’re delighted to welcome you to the City of Miami employee landing page! As part of our vibrant community, you are eligible for a generous suite of benefits designed with your well-being in mind. To make your experience as effortless as possible, all benefits details have been thoughtfully organized for you right here. Take time to explore your options—some benefits must be selected within specific time frames, so reviewing this information carefully ensures you won’t miss any opportunity. We’re here to support you every step of the way.
BENEFITS OVERVIEW
We appreciate you taking the time to explore your benefit options for Open Enrollment 2026-2027! This is your annual opportunity to review your elections and make any updates that suit your needs for the year ahead. Remember, outside of Open Enrollment, you can only change your benefits if you experience a qualifying life event, such as marriage, divorce, or welcoming a new child—which opens a special 30-day period for you to make adjustments.
To make your decisions easier and help you feel confident in your coverage choices for 2026, we've put together the following resources just for you:
- 2026 City of Miami Open Enrollment Guide
- 2026 City of Miami Medical Summary of Benefits and Coverage
- 2026 Principal Dental Benefit Summary
- 2026 Principal VSP Vision Benefit Summary
- 2026 Mutual of Omaha Basic Life & AD&D Benefit Summary
- 2026 Mutual of Omaha Voluntary Life & AD&D Benefit Summary
- 2026 Mutual of Omaha Voluntary Life & AD&D Rates
- 2026 Intro to EAP
- 2026 EAP Online Therapy
- 2026 AFLAC Benefit Summaries
Thank you for being part of our community. We hope these resources make your benefits experience smooth and rewarding this year!
OPEN ENROLLMENT INSTRUCTIONS
Action Required: Please review your current coverage and make any changes or new selections for your 2026 benefits.
If you wish to update your existing coverage or elect new benefits, you must submit your choices by June 19, 2026. Be sure to sign and date the enrollment form before returning it.
Send your completed enrollment form to Laura in Human Resources.
If you want to participate in a Flexible Spending Account for 2026, you must make a new election—even if you are already enrolled for 2025.
ELIGIBILITY / QUALIFYING EVENTS
Employee Eligibility
If you are employed full-time and work at least 30 hours per week, you qualify to participate in our benefits program. Your coverage will begin on the first day of the month after your hire date.
Dependent Eligibility
You can also enroll eligible dependents in your benefits coverage. Dependents include your legal spouse and/or dependent children, as defined by the plan, or your spouse’s dependent children.
Qualifying Life Events
Changes to your benefit elections can only be made during the year if you experience a Qualified Life Event. You must report the change to Human Resources within 30 days of the event to request a mid-year update, and supporting documentation may be required.
- Common Qualified Life Events include: Marriage, Divorce, Addition of a New Dependent, or Loss/Gain of coverage for you or your dependents.
If you leave the company, you may be eligible for COBRA continuation of coverage, as permitted by law.
MEDICAL
The City of Miami Employee Health Care Medical Plan is designed to provide peace of mind by ensuring you and your family have access to high-quality, affordable health care. The plan utilizes the Freeman (Joplin), Integris, and PCC (Oklahoma) networks, giving you a broad choice of providers. Coverage includes doctor visits, hospital stays, preventive care, emergency services, comprehensive prescription drug benefits and more.
In Network Plan details include:
- Individual Deductible: $700
- Family Deductible: $1,250
- Coinsurance: 10% after deductible at Integris Miami and Grove, 20% after deductible for all other in-network providers
- Individual Out-of-Pocket Maximum: $2,350
- Primary Care Office Visit: $20 copay
- Specialist Office Visit: $20 copay
- Emergency Room Visit: $275 copay, plus deductible and coinsurance
- Inpatient and Outpatient Services: Subject to deductible and coinsurance
- Prescription Coverage:
- (Retail) Generic drugs: $15 copay per prescription
- (Retail) Brand drugs: $40 copay per prescription or 30% coinsurance
For additional information, please refer to the summary of benefits and coverage document which provides an overview of how you and the plan share the cost for health care services, helping you easily understand your options and manage your health care expenses or the City of Miami Employee Health Care Plan, plan description.
DENTAL
The Principal Financial Group Dental Plan delivers robust coverage designed to support the dental health of you and your family. Enjoy greater savings by choosing an In-Network provider. To locate an in-network dentist near you, visit the Principal Financial Group website at www.principal.com/find-dentist.
GROUP TERM LIFE & AD&D / VOLUNTARY TERM LIFE & AD&D
As a valued member of the City of Miami team, you automatically receive Group Term Life and Accidental Death & Dismemberment (AD&D) insurance, as well as the option to elect additional Voluntary Life & AD&D coverage, all through Mutual of Omaha. Life insurance is an essential part of your financial safety net, helping to protect your loved ones with financial support in the event of your passing. With coverage from Mutual of Omaha, your family can have peace of mind knowing they may be protected from unexpected financial hardships.
AD&D coverage matches your life insurance benefit amount if your death is due to a covered accident and may also pay additional benefits for certain serious injuries. Your basic coverage amount equals one times your annual salary, with a minimum of $10,000 and a maximum of $120,000. The Principal Sum for AD&D coverage is the same as your life insurance benefit.
- Group Term Life Coverage Amount: Equal to 1x your annual salary, with a minimum of $10,000 and a maximum of $120,000.
- Accidental Death & Dismemberment: The Principal Sum is equal to your life insurance benefit.
- Age Reductions:
- Insurance benefits and guarantee issue amounts are subject to age reductions:
- At age 65, amounts reduce to 65%
- At age 70, amounts reduce to 45%
- At age 75, amounts reduce to 30%
- At age 80, amounts reduce to 20%
- At age 85, amounts reduce to 15%
- At age 90, amounts reduce to 10%
- Insurance benefits and guarantee issue amounts are subject to age reductions:
- Age Reductions:
For more information or to review your coverage options, please contact Human Resources.
Voluntary Life and AD&D Insurance Overview
As an active employee of the City of Miami, Oklahoma, you are eligible for Voluntary Life and Accidental Death & Dismemberment (AD&D) insurance through United of Omaha Life Insurance Company. This coverage is designed to help protect your loved ones by replacing your income, covering funeral expenses, managing outstanding debt, and supporting ongoing financial needs.
Choosing Your Coverage Amount
When deciding how much life insurance to select, consider your current and future expenses at every stage of life. Employees may purchase coverage up to $500,000, in $10,000 increments, not to exceed five times your annual salary (with a minimum benefit of $10,000). The Guarantee Issue amount is up to five times your annual salary, capped at $100,000.
You may also elect coverage for your spouse—up to 100% of your benefit, with a maximum of $250,000 and a minimum of $5,000. The Guarantee Issue for spouses is up to 100% of your benefit, capped at $50,000, and rates are based on the employee’s age. For dependent children, you can select up to 100% of your benefit, up to $10,000, with a minimum and Guarantee Issue amount of $10,000.
- Age Reductions:
- Insurance benefits and guarantee issue amounts are subject to age reductions.
- At age 70, amounts reduce to 65%
- At age 75, amounts reduce to 45%
- At age 80, amounts reduce to 30%
- At age 85, amounts reduce to 20%
- At age 90, amounts reduce to 15%
- Spouse coverage terminates when an employee reaches age 70.
- Age Reductions:
Please note: To enroll your spouse and/or dependent children in Voluntary Life and AD&D coverage, you must first enroll yourself.
FLEXIBLE SPENDING ACCOUNT (FSA)
Health Care FSAs for Employees
Flexible Spending Accounts (FSAs), administered by Point C, provides employees with a convenient way to save on eligible healthcare and dependent care expenses. By contributing pre-tax dollars, you reduce your taxable income, resulting in lower taxes and more take-home pay.
Enrollment & Contributions
Your FSA election is effective for the entire plan year, from July 1, 2026, to June 30, 2027. You may only change your election if you experience a qualifying life event, and the change must be directly related to that event. All benefits-eligible employees can participate, except those (or their spouses) contributing to a Health Savings Account (HSA).
Contribution Limits
- Health Care FSA: Contribute up to $3,400 annually. Use funds for eligible medical, prescription, dental, and vision expenses.
How the Plan Works
Eligible expenses must be incurred within the plan year. An expense is considered incurred when the service is provided, not when you pay or are billed. The IRS enables employees to pay for qualified medical and dependent care expenses using pre-tax dollars, enhancing your overall benefits package and increasing your take-home pay.
Enrollment & Waiving Coverage
To enroll or waive coverage, you must complete the attached Enrollment Form. Review the provided materials to help determine your election.
Run-Out Period and Carry-Over
You have until September 30, 2027, to submit claims for the 2026 plan year. Unused medical FSA funds up to $680 will be carried over for claims incurred in 2027 and will be available during the run-out period in a separate “Rollover” bucket.
Employment Termination
If your employment ends for any reason, you have 90 days from your termination date to submit eligible claims. Expenses incurred after your termination date cannot be reimbursed.
VISION BENEFITS OVERVIEW
Taking care of your eyes is a vital part of your overall health. Regular eye exams do more than check your vision—they can help detect early signs of health conditions like diabetes and high blood pressure. It’s recommended that children have their first eye exam as babies, since healthy vision is essential for learning and development at every age.
The City of Miami provides vision coverage for employees through Principal Financial Group. Your benefits include eye exams, prescription glasses, and contact lenses. When you use in-network VSP providers, you’ll enjoy enhanced coverage and savings.
For detailed information about your vision benefits, please review the VSP Benefit summary. To check if your provider is in the VSP network, visit the VSP website.
SHORT TERM DISABILITY
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Lucet
The City of Miami’s Employee Assistance Program (EAP) is here for you and your household, providing confidential support whenever you need it—24 hours a day, 7 days a week, 365 days a year. Whether you’re facing challenges with finances, legal matters, work relationships, life events, or crises, the EAP offers expert consultation, coaching, and access to adult and childcare resources. You’ll also find personal and professional development opportunities, plus digital behavioral health tools designed to help you thrive.
- Support Line: 800.624.5544
- Passcode: Miami
- Website: eap.ndbh.com
Enter Passcode: Miami
AFLAC COVERAGES
Aflac offers a range of supplemental insurance options designed to help you handle unexpected expenses and protect your financial well-being. Whether you’re dealing with an accident, cancer diagnosis, critical care event, hospital stay, or short-term disability, Aflac provides customizable plans that pay cash benefits directly to you, giving you the flexibility to use funds as needed. Explore the available coverages and discover how Aflac can help provide peace of mind and security for you and your family—so you can focus on what matters most.
AFLAC ACCIDENT INSURANCE
Accidents can happen at any moment. Let Aflac help ease the financial pain. Accidents can happen at any time and treating them can be costly.
Even with health insurance there may be out-of-pocket costs — causing everyday expenses to suddenly seem overwhelming. Aflac Accident Insurance helps provide financial protection if a covered accidental injury occurs. Health care costs continue to rise, and health insurance wasn’t designed to cover everything. From out-of-pocket medical costs to time away from work, the financial impact can be surprising. Aflac can help cover those costs. Best of all, you get paid directly (unless otherwise assigned) — not the doctor or hospital. Aflac has been there for our policyholders for nearly 70 years — in some of their most challenging moments. Aflac Accident Insurance can help give you peace of mind if you experience an accidental injury so you can focus on recovery rather than worrying about finances.
AFLAC CANCER PROTECTION ASSURANCE
We're there when you need us most. The unfortunate reality is cancer touches almost everyone at some point in their lives, whether it’s yourself or a loved one. But each person has a unique story, especially when it comes to cancer treatment. We believe if faced with a cancer diagnosis, you need real solutions that help you face the financial, physical and emotional challenges often experienced by cancer patients and their families – before, during, and after treatment. Since 1958, Aflac has been a pioneer in cancer insurance. As cancer treatment protocols have changed, our coverage has evolved to help cover the costs of those innovative treatments and provide solutions that empower you to seek treatment, while easing the financial concerns that often accompany it.
Benefits paid directly to you, Aflac Cancer Protection Assurance pays cash benefits directly to you, unless assigned, when you need them most. If you’re ever diagnosed with a covered cancer, these benefits are more important than ever. Why? Because cancer treatment can be expensive. Health insurance was never intended to cover the cost of things like deductibles, co-pays, lost work time, or even travel. Aflac Cancer Protection Assurance can help with cancer-associated costs like these.
AFLAC CRITICAL CARE PROTECTION
Critical care for you. Added financial protection for your family. Serious health events are often unexpected — and when they happen, everyday expenses may suddenly seem overwhelming. Aflac Critical Care Protection insurance helps provide financial protection should you experience a serious health event, such as a heart attack or stroke. You will receive a lump sum benefit upon diagnosis of a covered event with additional benefits to be paid for things such as a hospital confinement, ambulance, transportation, lodging, and therapy. Health care costs continue to rise, and major medical insurance was not designed to cover everything. From out-of-pocket medical costs to the inability to work while in recovery, your finances may be strained. Aflac can help cover those costs. Best of all, you get paid directly (unless otherwise assigned) — not the doctor or hospital.
AFLAC CHOICE HOSPITAL CONFINEMENT INDEMNITY INSURANCE OPTION 1
Your benefits. Your way.
Like most Americans, you may feel that financial well-being isn’t much of a reality these days. With inflation and health care costs on the rise, consumers of all incomes may be struggling to make ends meet. And since health insurance was never really designed to cover all the costs of medical care, an unplanned visit to the hospital could leave you with unexpected medical bills, only adding to financial struggles. Aflac Choice offers a wide variety of options so you can customize hospital benefits based on your unique needs and budget - to help with out-of-
pocket expenses associated with doctor visits, hospitalizations, and mental health treatment, including counseling and urgent care.
Here’s how Aflac can help
Aflac pays you cash to help with the expenses not covered by health insurance, so you can worry less about making ends meet when you’re
left with unexpected medical bills. Why Aflac Choice may be right for you
• It’s customizable. You choose the plan that’s right for you based on your specific needs.
• Guaranteed-issue options available—that means there is no medical questionnaire required.
• We pay cash directly to you (unless otherwise assigned)—not the doctor or hospital.
AFLAC SHORT-TERM DISABILITY INSURANCE
Helping pay your bills, while you pay attention to you.
What if one day, not very far in the future, you become disabled and you can’t go to work. How would you pay for the expenses of daily life such as monthly mortgage or rent, groceries and your utilities? The bills keep on coming even if you’re unable to work. That’s where Aflac’s short-term disability insurance policy can help make the difference. It’s a source of monthly income you may need to help take care of your bills while you take care of yourself.
Why Aflac Short-Term Disability may be the best choice for you:
• It’s sold on an individual basis. You choose the plan that’s right for you based on your financial needs and income.
• We offer the option of guaranteed-issue, short-term disability coverage. That means no medical questionnaire is required.
• We pay you a cash benefit for each day you are disabled.
Here’s how we can help:
When disabled, you may not only lose the ability to earn a living, but you may also lose savings or retirement funds. The financial obligations can be overwhelming. Disability insurance plays an integral and important role in your financial planning. Aflac provides benefits for both total and partial disability. Even if you’re able to work, partial disability benefits may be available to help compensate for lost income. Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.
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 Broker Services.
Additional Contacts
Hailye Vaughn
Account Manager II
hailye.vaughn@nfp.com
918-978-7759
Robyn Setzer
Sr. Consultant
robyn.setzer@nfp.com
918.282.3517