Medical
We offer you a comprehensive benefits program to help you and your family protect your health and financial security. Your benefits are a valuable part of your compensation; we encourage you to learn how your plans work so you can get the most from them.
You have three (3) plan options through Blue Cross Blue Shield.
Contact the provider of these benefits by calling this phone number or visiting this website:
Group # 71-6289N
Phone: 855-816-7637
Website: myhealthtoolkitfl.com
Medical Plan Design
This is not a complete list of covered services. For more details, please refer to the plan documents.
The Blue Cross Blue Shield network is available for all employees. You are encouraged to visit www.myhealthtoolkitfl.com to search the provider directory for physicians and hospitals within your service area.
Your healthcare ID card reflects your coverage under the medical and prescription drug (if enrolled). Your dependents’ names will be listed on the card; additional cards can also be ordered with Blue Cross Blue Shield at www.myhealthtoolkitfl.com.
Quest Diagnostics is FL Blue's in-network provider for lab work.
Per-Pay-Period Premium Rates
Based on 20 Pre-tax Contributions (Sep-Jun). Pro-rated rates may apply when there are fewer than 20 deductions available.
After nearly 8 years without increases to employee medical contributions, changes are necessary this year to help support the long-term sustainability of the District’s benefits program. The District will continue to pay a large share of costs while offering strong benefits coverage. Medical premiums shown during Open Enrollment will reflect current rates; however, employee medical premiums will increase following ongoing negotiations and final funding decisions. The District’s actuary has currently recommended an overall 22% increase in medical funding for the upcoming plan year. Premium costs are subject to collective bargaining. Please review your 2026–2027 options and rates carefully when enrolling.
Choice
In-Network
Annual Deductible (Individual / Family)
$5,000 / $10,000
Your Coinsurance3
30%
Out-of-Pocket Maximum (Individual / Family)
$7,350 / $14,700
Physician Visit (Primary Care / Specialist)
$45 copay / $75 copay
Preventive Care Services
Covered 100%
Lab and X-Ray
No charge
Major Imaging (PET/CT/MRI)
$300 copay
Inpatient Hospital Services
$100 copay + coinsurance
Outpatient Hospital Services
(Freestanding Facility / Hospital)
$250 copay / Ded., then coinsurance
Urgent Care Visit
$70 copay
Emergency Room Visit
$500 copay
Out-of-Network
Annual Deductible (Individual / Family)
Not covered
Your Coinsurance
Not covered
Out-of-Pocket Maximum (Individual / Family)
Not covered
Choice Plus
In-Network
Annual Deductible (Individual / Family)
$3,000 / $6,000
Your Coinsurance3
20%
Out-of-Pocket Maximum (Individual / Family)
$6,000 / $12,000
Physician Visit (Primary Care / Specialist)
$40 copay / $60 copay
Preventive Care Services
Covered 100%
Lab and X-Ray
No charge
Major Imaging (PET/CT/MRI)
$300 copay
Inpatient Hospital Services
Deductible, then coinsurance
Outpatient Hospital Services
(Freestanding Facility / Hospital)
Deductible, then coinsurance
Urgent Care Visit
$50 copay
Emergency Room Visit
$500 copay
Out-of-Network
Annual Deductible (Individual / Family)
$6,000 / $12,000
Your Coinsurance
50%
Out-of-Pocket Maximum (Individual / Family)
$12,000 / $24,000
Choice HSP
In-Network
Annual Embedded Deductible (Individual / Family)
$4,000 / $8,000
Your Coinsurance3
20%
Out-of-Pocket Maximum (Individual / Family)
$6,650 / $13,300
Physician Visit (Primary Care / Specialist)
Deductible, then coinsurance
Preventive Care Services
Covered 100%
Lab and X-Ray
Deductible, then coinsurance
Major Imaging (PET/CT/MRI)
Deductible, then coinsurance
Inpatient Hospital Services
Deductible, then coinsurance
Outpatient Hospital Services
(Freestanding Facility / Hospital)
Deductible, then coinsurance
Urgent Care Visit
Deductible, then coinsurance
Emergency Room Visit
Deductible, then coinsurance
Out-of-Network
Annual Deductible (Individual / Family)
Not covered
Your Coinsurance
Not covered
Out-of-Pocket Maximum (Individual / Family)
