Department of Management Services


The Division of State Group Insurance is pleased  to present a wide selection of pretax insurance benefits to State of Florida employees and retirees.

Get Ready to Choose Well

Use the Enrollment Readiness checklist below to help you plan and think through your choices.

1. Estimate the medical, dental and vision care expenses you and your family may have next year.

2. Research your plan options below.

3. Choose the best options and make changes in People First.

Benefits Options Who’s Eligible What You Should Consider

Health Plans


Prescription Drug Plan

  • Standard PPO
  • Standard HMO
  • High Deductible PPO
  • High Deductible HMO
  • Employees
  • Retirees
  • Surviving Spouse
  • Laid-off Career Service Employees
  • Recurring medical and prescription needs and services, as well as what you may require next year
  • Basic
  • Optional
  • Dependent Spouse
  • Dependent Child
  • Basic: Employees, retirees, laid-off career service employees
  • Optional: Salaried employees
  • Dependent Spouse: Employees enrolled in basic life
  • Dependent Child: Employees enrolled in basic life
  • Your family’s financial needs in the event of a death in the family
  • Prepaid
  • Dental PPO
  • Indemnity with PPO
  • Indemnity
  • Employees and all others if eligible to continue through COBRA
  • Recurring dental costs
  • Anticipated dental work
  • Which plans pay for orthodontia
  • If the plan has dentists accepting new patients in your area
  • Exam Plus
  • Employees and all others if eligible to continue through COBRA
  • Next year’s needs, including eye exams, glasses or contacts; some coverage may be available under your health plan
Supplemental Plans
  • Accident
  • Cancer
  • Disability
  • Hospital Intensive Care 
  • Hospitalization
  • Employees and others may convert to an individual policy upon termination of employment
  • Your income-protection needs; most of these programs provide income benefits if you and/or covered family members suffer from illness or injury; some require underwriting
Savings and Spending Accounts
  • Flexible Spending Accounts:
    • Health Care FSA  
    • Limited Purpose FSA
    • Dependent Care FSA  
  • Employees (OPS/variable-hour employees who meet eligibility requirements are only eligible for the dependent care reimbursement account)                
  • Out-of-pocket costs for eligible medical expenses or for care of qualified dependents while you work       
  • Health Savings Account
  • Employees
  • Out-of-pocket costs for eligible medical expenses if you’re enrolled in a High Deductible Health Plan