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.
Symetra will be the new life insurance carrier effective January 1, 2027. This means lower premium rates for retirees. During this Open Enrollment period only, retirees currently enrolled in $5,000 of coverage may increase their coverage to $10,000 without answering medical questions.
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1. Changing your plan?
Send your request in writing to the Benefits Office by October 30, 2026, at 5:00 p.m. ET.
benefits@brevardfl.gov
2. Covering a spouse or dependent?
Submit required documents by November 6, 2026, or your dependents may not have coverage on January 1, 2027.
3. Not making changes?
Your current elections will automatically roll over to next year.
Brevard County offers several Medicare plan options, but you are not limited to these plans. You can choose any Medicare plan available to you. An independent Medicare counselor can help you compare your options, including Medicare Advantage and Medicare Supplement plans, and find coverage that fits your needs and budget.
Call: 407-450-7234
Visit: floridashine.org
Call: 1-888-530-2586
www.onedigital.com/solutions/medicare/
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!
Cigna Dental Oral Health Integration Program
Administered through 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 Symetra
Now that your Brevard County Board of County Commissioners employment is ending, you need to make several important decisions about your health insurance benefits. Maintaining a life insurance benefit for your family is one of those important decisions.
Retiree life insurance is an option that enables you to obtain life insurance coverage after you terminate your current employment. Under the Retiree Life Insurance Benefit, the terms and conditions may differ from your active employee group coverage. Some of these differences are highlighted below.
Key Benefits:
If you are currently enrolled in the $5,000 Retiree Life insurance policy, this open enrollment only, you may increase your coverage to $10,000 with no medical questions/proof of good health!
Premiums for Retiree Life Insurance Coverage (lower premiums begin 01/01/2027!)
| Coverage Amount |
Cost per Month
|
| $5,000 | $23.35 |
| $10,000 | $46.70 |
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.
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 |
Staying active can help support your overall health and wellbeing. With Active & Fit, you have access to fitness resources that make it easier to find activities that work for you.
The program is available to non-Medicare retirees enrolled in a Cigna medical plan. Learn more about Active & Fit and explore the fitness options available to you.
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.
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.
Brevard County offers four (4) group Medicare Advantage Prescription Drug plans (MAPD). All plans offer in- and out-of-network coverage and include free preventive care, Medicare Part D coverage, and emergency care services.
Note: UHC and Humana have different provider networks and covered prescription drug lists. Review your doctors, covered prescriptions, and annual premium vs. annual out-of-pocket maximums under each plan when enrolling.
Brevard County offers several Medicare plan options, but you are not limited to these plans. You can choose any Medicare plan available to you. An independent Medicare counselor can help you compare your options, including Medicare Advantage and Medicare Supplement plans, and find coverage that fits your needs and budget.
Call: 407-450-7234
Visit: floridashine.org
Call: 1-888-530-2586
www.onedigital.com/solutions/medicare/
Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Surround, or Supplement, policy can help pay some of the remaining health care costs, such as, copays, coinsurance, and deductibles.
Medicare Supplement plans are age-banded. Once you are enrolled in one of Brevard County's Cigna Supplement plans, you will receive the issue-age rate until you disenroll or change plans. If you are considering switching to a MAPD plan this year, then you could potentially move into a different age band and pay a higher premium, should you choose to re-enroll in the future.
Brevard County offers several Medicare plan options, but you are not limited to these plans. You can choose any Medicare plan available to you. An independent Medicare counselor can help you compare your options, including Medicare Advantage and Medicare Supplement plans, and find coverage that fits your needs and budget.
Call: 407-450-7234
Visit: floridashine.org
Call: 1-888-530-2586
www.onedigital.com/solutions/medicare/
Administered through Humana
Medicare Retirees can elect the Humana Prescription Drug Plan (PDP). Keep in mind, when you elect a Medicare Supplement Plan, coverage is for medical expenses only, so consider electing the Humana PDP for Medicare Part D prescription drug coverage. You will have a $0 cost share when you reach your $2,400 annual out-of-pocket maximum.
Important: You must be entitled to Medicare Part A and be enrolled in Medicare Part B.
Staying active can help support your overall health and wellbeing. With Active & Fit, you have access to fitness resources that make it easier to find activities that work for you.
The program is available to Medicare retirees enrolled in a Cigna Medicare Surround Plan (Plans F, N & G). Learn more about Active & Fit and explore the fitness options available to you.
This is available to both UHC and Humana MAPD members
Now’s your time to move with Silver Sneakers! SilverSneakers is more than a traditional fitness program. It’s an opportunity to improve your health, gain confidence and connect with your community. Plus, it’s included at no additional cost with your health plan.
UnitedHealthcare is working with Lifeline to provide a personal emergency response system at no cost for select Medicare Advantage plan members.
Lifeline personal emergency response system (PERS) allows you to ask for help whenever you need it, anytime of day or night — 365 days of the year, 24/7. All you need to do is press the help button, worn as a wristband or pendant, and a Trained Care Specialist will assist you to make sure you quickly get the help you need.
Key Features:
Optional AutoAlert fall detection technology automatically provides access to help if it detects a fall — even if wearer is disoriented, immobilized or unconscious and cannot press their help button
Cellular or landline compatible, Lifeline works anywhere in the U.S., where current telephone service is provided
Lightweight, waterproof help button be worn on the wrist or as a pendant
