New Benefit Options! We are pleased to introduce three new voluntary benefits for 2027. And during this enrollment period only, you can also elect coverage without answering medical questions!
Accident Insurance pays a lump-sum cash benefit directly to you! When you suffer an accident such as a burn or broken bone, this plan provides a cash benefit based on your injury(s) and the treatment you receive.
Critical Illness Insurance pays a lump-sum cash benefit directly to you to help pay for out-of-pocket medical expenses or any other bills. Covered conditions include heart attack, stroke, cancer, and more.
Hospital Indemnity Insurance pays a lump-sum cash benefit directly to you as it helps offset the out-of-pocket expenses related to hospital stays, emergency room trips, and hospitalization due to childbirth and post-childbirth hospital stays.
As we simplify our benefit offerings, the Cigna EPO plan is being discontinued for 2027. All current Cigna EPO members will be automatically enrolled in the UMR EPO plan effective January 1, 2027, unless you select a new medical plan during Benefits Open Enrollment.
If you do not plan to enroll in medical coverage, be sure to complete your enrollment and elect the Medical Waiver Credit during Open Enrollment. Employees who waive medical coverage may be eligible to receive a $30 monthly credit; this benefit must be actively elected each year.
Learn more about your 2027 benefits by watching this Open Enrollment overview video.
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Benefits are more important than ever, and we encourage you to spend extra time evaluating your benefit options and electing the benefits that best support you and your family. As such, this year you will have the unique opportunity to enroll in benefits with the guidance of a professional benefit counselor!
The benefit counselor will provide individual enrollment support to help you elect the benefits that best support your needs. Benefit counselors are available by phone to speak with employees one-on-one. During your individual appointment, the counselor will:
To schedule your telephonic benefit appointment, you can:
Meet With a Benefit Counselor In-Person
Benefit counselors will be available on-site to meet with you in person! Please refer to the schedule below to find a convenient location and date. To learn more about times and availability, please contact your supervisor or department HR.
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Administered through Cigna & UMR
Because there is nothing more important than your health, we offer multiple medical plans through Cigna and UMR.
Important: UMR is the only EPO. Cigna EPO members will be automatically enrolled in the UMR EPO plan effective January 1, 2027, unless you select a new medical plan during Benefits Open Enrollment.
You have your choice of the following plans:
Key Features
Not sure which plan to pick? Estimate your out-of-pocket costs under each plan with the Decision Support Tool!
Administered by Cigna
Coverage for prescription drugs is included in all of Brevard County's comprehensive medical insurance plans. Prescription drug coverage is administered by Cigna as an in-network only benefit. To view a list of in-network pharmacies, visit mycigna.com or call at 1-800-Cigna24.
Important: The prescription drug plan has a separate annual deductible and out-of-pocket maximum.
Administered by Cigna
Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier.
Get the care you need with a dental benefits plan featuring Cigna. Select from three dental insurance plans that all cover in-network preventive care at 100%:
DPPO Low Option
DPPO High Option
DHMO Dental Care
Cigna Dental Oral Health Integration Program
This program is for customers with certain medical conditions that have been found to be associated with gum disease and other oral health conditions. The Cigna Dental Oral Health Integration Program reimburses out-of-pocket costs for specific dental services used to treat gum disease and tooth decay. There's no additional cost for the program - if you qualify and enroll, you get reimbursed!
Administered by Davis Vision
Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes. A group vision plan makes it easier to get the care you need and lower your costs.
All plans cover annual exams, lenses and frames, or contacts in lieu of glasses. Select from two vision insurance plans through Davis Vision.
Administered by Medcom
Save tax dollars and tap into future savings through an FSA. Determine your per paycheck contribution in the beginning of the year, and then spend those funds on qualified health expenses or dependent care expenses as needed before the plan year ends. Important: This is a use-it or lose-it benefit, meaning if you contribute more than you spend in the year, then you will forfeit any unused monies.
Healthcare Flexible Spending Account:
During open enrollment, you set amounts for the upcoming year (minimum $240 – maximum $3,400) based on an estimated amount of medical expenses for the upcoming year. The amount is divided by the number of pay periods in the year and then redirected from each paycheck – before taxes – into your account. You can use it to pay for out-of-pocket medical, dental & vision expenses as well as certain over the-counter medications.
Dependent Flexible Spending Account:
Dependent FSA's can be used to pay for child or adult day care expenses while you and your spouse work or attend school. The money you contribute to your dependent care FSA is deducted from your paycheck over 24 pay periods and deposited into your account. The total funds you contribute annually are not immediately available at the beginning of the plan year. This is an important difference between a dependent care FSA and a health care FSA. As soon as you have money in your dependent care FSA, you can use it to pay for eligible dependent care expenses. The maximum contribution annually is $7,500.
Administered by Symetra
Protect your paycheck with disability insurance through Symetra. Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or non-work related injury.
Short-Term Disability
Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time. Brevard County offers two Short-Term Disability (STD) plans which pay 60% of pre-disability earnings.
Benefits are paid on a weekly basis
Employees can use annual or sick leave to reach 80% of pre-disability earnings. Employees must use annual leave in order to receive FRS credits.
Income (i.e. SSI, FRS) received while out on disability will reduce your disability payment. Income must be reported to Symetra.
Long-Term Disability
Long-term disability coverage can provide lasting income protection if you remain unable to work. Brevard County offers two Long-Term Disability (LTD) plans which pay 60% of pre-disability earnings.
Benefits are paid on a monthly basis
All leave must be exhausted prior to receiving LTD benefits
Income (i.e. SSI, FRS) received while out on disability will reduce your disability payment. Income must be reported to Symetra.
If you elect both Short-Term and Long Term Disability benefits then you must choose the 180-day Long-Term Disability waiting period.
Your life is an adventure, and telehealth affords you the convenience of receiving care while on the go. Instead of spending your day and dollars at an Urgent Care or Emergency Room, connect with a board certified doctor over the phone or video chat to receive immediate and cost-effective care wherever life's journey may take you. All of Brevard County's medical plans include access to general medicine and mental health virtual visits.
| Plans | Cigna | UMR |
| Provider | MD Live | Teladoc Health |
Administered by Symetra
When you suffer an accident such as a burn or broken bone, Accident Insurance through Symetra provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers and can be used at your own discretion. You will also receive an additional 25% on each benefit for injuries sustained in an organized sport. Enroll without answering medical questions! And every year when you complete a qualified health screening, you are eligible for a $100 Wellness Benefit.
Administered by Symetra
Critical Illness Insurance through Symetra provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. Benefits are paid on top of what your health insurance covers, and can be used at your own discretion.
During this enrollment period, you can enroll without answering medical questions! And every year when you complete a qualified health screening, you are eligible for a $100 Wellness Benefit. This annual cash benefit may cover this plan's monthly cost for several months!
Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance through Symetra can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare.
Benefits are paid on top of what your health insurance covers and can be used at your own discretion. This plan may also be a wise decision if you are pregnant or planning for a baby, as it can help cover the costs of admission for a hospital childbirth and post-childbirth hospital stays. Newborns are automatically covered for the first 31 days after birth, provided a parent is enrolled in the plan on the date of birth.
Enroll without answering medical questions! And every year when you complete a qualified health screening, you are eligible for a $100 Wellness Benefit. This annual cash benefit may cover over 98% of this plan’s annual cost!
Administered by Symetra
Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.
Basic Life and AD&D Insurance
Brevard County Government provides Basic life and AD&D insurance at no cost to you. Make sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes.
| Basic Life | Basic AD&D | |
| Brevard County Government Provides | 1x your Annual Earnings up to $200,000 | 1x your Annual Earnings up to $200,000 |
Supplemental Life and AD&D Insurance
You may purchase additional coverage for yourself, your spouse, and eligible children.
Important Reminders:
You cannot be insured as both an employee and a dependent.
A child cannot be insured by more than one County employee.
Spouses and children cannot be full time members of the armed forces.
Employee and Spouse Life coverage amounts reduce beginning at age 65 (see plan details).
Thinking About Retirement?
What to Know:
Medical, Pharmacy, Dental, Vision, and Life insurance coverages are all offered. You may only continue the benefits and dependent coverage you had on your last day of employment. Open Enrollment is the perfect time to review your benefits and covered dependents.
You are also able to meet 1-on-1 with a Retiree Benefits Specialist to go over any questions you may have.
Administered by Health Advocate
You encounter more than just health concerns throughout your life. Manage life's curveballs with a confidential and complimentary program designed to provide counseling, support, and resources for a variety of personal issues like stress and anxiety, relationship struggles, substance abuse, eldercare, financial worries, and much more. As a Brevard County employee, you and your immediate family members have access to six (6) counseling sessions per issue per individual at NO COST to you. You do not need to have other health insurance coverage to utilize this benefit.
Administered by MedCom
Your Wellness Wallet functions similarly to an FSA, allowing you to use the funds for a variety of 213(d) expenses, including medical, prescription, dental, vision, as well as certain over-the-counter medicines, etc. all within the same calendar year. All employees who have medical insurance coverage through the County’s Health Plan are eligible for this benefit. Employees who participate in the wellness program will receive an employer contribution based on their health insurance coverage tier.
Eligible Expenses Include:
Medical Expenses
Doctor Visits
Prescription Drugs
Medical Equipment
Chiropractic care
Orthopedic shoes and inserts prescribed by a doctor
Online therapy, counseling, and psychiatry services
Over-the-Counter Medications/Supplies
Dental and Vision Care
Dental cleanings, fillings, braces, and dentures
Eye exams, glasses, contact lenses, LASIK, and corrective eye surgeries.
Coverage for Dependents
Eligible expenses can also be for your spouse and dependents enrolled in the County’s Health Plan.
