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.
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.
Please click here for additional information on Dependent Eligibility.
Compare Standard vs High Deductible Plan
Health Summary Comparison Chart
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Standard Health Plan
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High Deductible Health Plan (HDHP)
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Pharmacy Benefits
Optum RX is the prescription drug company for all four health plans. Costs will vary depending on the health plan that you choose.
Optum Rx Prescription Drug Plan
2025 Pharmacy Benefits Summary
2026 Pharmacy Benefits Summary
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Standard Health Plan
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High Deductible Health Plan (HDHP)
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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 click here for the State Dental Plan website. To download a dental mobile app, please click here.
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Ameritas Dental
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Cigna Dental
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Humana Dental
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MetLife Dental
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Sun Life Dental
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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.
Please click here for the State Vision Plan website.
2025
2026
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 Basic and Optional Life Insurance
2026
The State of Florida is pleased to announce MetLife as the new Term Life Insurance provider beginning January 1, 2026.
Savings and 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.
2025 Plan Information
Savings and Spending Comparison Chart
Guide to Savings & Spending Accounts
Resources
Health Savings Account (HSA) FAQ
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.
Please click here for the State Supplemental Plan website.
Supplemental Insurance Plan Comparison Chart
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Cancer | Hospital ICU
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Hospitalization
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Accident | Cancer | Disability
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Hospital Income Plan
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Shared Savings
The State of Florida offers a Shared Savings Program to reward you for making informed and cost-effective decisions about your healthcare. This voluntary program is available to you and your dependents who are enrolled in a State Group Insurance Health Plan.
Under the Shared Savings Program, you can earn rewards by receiving rewardable healthcare services through the use of the state vendors: Healthcare Bluebook and Lantern Cancer and Surgical Care.
Please click here for the State Shared Savings Program website.
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Healthcare Bluebook Program
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Lantern Cancer and Surgical Care Programs
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Gabor
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Group Long Term Disability
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Group Whole Life Insurance
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Group Term Life Insurance
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Accidental Death & Dismemberment Insurance
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