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.

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HMO vs PPO Video (7:52)

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Medical Plan
Medical Resources
Rates

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.

Medical Networks

  • The Choice HSP Plan AND Choice HMO Plan use the Florida Blue HMO Network.

  • The Choice Plus PPO plan uses the Network Blue Network.

View Choice HSP Summary
View Choice HMO Summary
View Choice Plus Summary
Choice HSP
In-Network
Choice HMO
In-Network
Choice Plus
In-Network
Plan Year Deductible
(Individual/Family)
$4,000/$8,000
Plan Year Deductible
(Individual/Family)
$5,000/$10,000
Plan Year Deductible
(Individual/Family)
$3,000/$6,000
Your Coinsurance
20%
Your Coinsurance
30%
Your Coinsurance
20%
Out-of-Pocket Maximum (Individual/Family)
$6,650/$13,300
Out-of-Pocket Maximum (Individual/Family)
$7,350/$14,700
Out-of-Pocket Maximum (Individual/Family)
$6,000/$12,000
Physician Visit
Primary Care & Specialist:
20% after deductible

Physician Visit

Primary Care: $40 copay

Specialist: $75 copay

Physician Visit

Primary Care: $35 copay

Specialist: $60 copay

Preventive Care Services
Covered 100%
Preventive Care Services
Covered 100%
Preventive Care Services
Covered 100%
Lab (Quest) and X-Ray
20% after deductible
Lab (Quest) and X-Ray
No charge*
Lab (Quest) and X-Ray
No charge*
Major Imaging (PET/CT/MRI)
20% after deductible
Major Imaging (PET/CT/MRI)
$300 copay
Major Imaging (PET/CT/MRI)
$300 copay
Inpatient Hospital Services
20% after deductible
Inpatient Hospital Services
You pay deductible and $100 per admission, then 30% of remaining balance
Inpatient Hospital Services
20% after deductible

Outpatient Hospital Services

Freestanding & Hospital:

20% after deductible

Outpatient Hospital Services

Freestanding Facility: $250 copay Hospital: 30% after deductible

Outpatient Hospital Services

Freestanding Facility & Hospital:

20% after deductible

Urgent Care Visit
20% after deductible
Urgent Care Visit
$60 copay
Urgent Care Visit
$40 copay
Emergency Room Visit
20% after deductible
Emergency Room Visit
$750 copay
Emergency Room Visit
$750 copay
Out-of-Network
Out-of-Network
Out-of-Network

Plan Year Deductible

(Individual/Family)

Not covered

Plan Year Deductible

(Individual/Family)

Not covered

Plan Year Deductible

(Individual/Family)

$6,000/$12,000

Your Coinsurance
Not covered
Your Coinsurance
Not covered
Your Coinsurance
50%
Out-of-Pocket Maximum
(Individual/Family)
Not covered

Out-of-Pocket Maximum

(Individual/Family)

Not covered

Out-of-Pocket Maximum

(Individual/Family)

$12,000/$24,000

* Quest Diagnostics is FL Blue's in-network provider for lab work.

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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.

Coverage Level
Choice HSP
Choice HMO
Choice Plus
Employee Only
$0.00
$81.30
$152.55
Employee + Spouse
$234.98
$435.93
$573.60
Employee + Child(ren)
$153.34
$344.96
$476.25
Employee + Family
$349.22
$612.42
$792.77
Employee + Spouse (Both employed)
$0.00
$0.00
$119.02
Employee + Family (Both employed)
$0.00
$57.84
$238.19

Rates are subject to change.

Please Note: Dependents are eligible for coverage up to the end of the month in which they reach age 26. Dependents over the age of 26 are eligible if they are physically or mentally disabled and fully dependent on you for support.

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