Your Benefits, Made Easy!

To-dos:

  1. Review all benefit options within this guide.
  2. Login to PlanSource to elect benefits, using Google Chrome or Firefox.
  3. Select Current Benefits (Open Enrollment) or New Hire Enrollment (New Employees) to begin selections.
  4. The Enrollment Confirmation page lists all elected benefits. You can download this page for your records.
  5. Choose Checkout at the bottom of the screen.
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  • Username: First initial of your first name + First six letters of your last name + Last four of your SSN (i.e. JSmith1234)
  • Password: Your date of birth in the YYYYMMDD format (i.e. 05/02/1977 = 19770502)

Welcome to your Benefits Package!

The St. Johns County Sheriff's Office offers a comprehensive health care program.

This Digital Benefits Guide contains detailed summaries of the benefits offered to you. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.

Whether you are a newly hired employee or a current employee enrolling during Open Enrollment, elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a qualifying life event that allows a plan change.

Welcome to your Benefits Package!

The St. Johns County Sheriff's Office offers a comprehensive health care program.

During benefits Open Enrollment, you have the opportunity to review your coverage needs, consider the benefits plans available to you, and select those that will provide the most value to you and your family.

What's New for 2027

Medical Plan Rate Update

For the 2027 plan year, medical plan rates have increased slightly. Employee contributions will vary based on the medical plan and coverage tier selected. As healthcare costs continue to rise nationwide, St. Johns County remains committed to providing comprehensive, high-quality medical coverage while helping employees make informed healthcare decisions.

Cost Overview

Special Open Enrollment Opportunity: Voluntary Life Insurance: Eligible employees can enroll in or increase coverage up to $300,000 without Evidence of Insurability (EOI). Eligible spouses can enroll in or increase coverage up to $25,000 without EOI.

Special Open Enrollment Opportunity: Voluntary Short-Term: Eligible employees may enroll in Short-Term Disability (STD) coverage without EOI.

Genomic Life Cancer Benefit Enhancements

  • Eligible members whose Genetic Health Screen shows that they're at higher-than-average risk of developing cancer will have access to a blood test that can help detect more than 50 types of cancer.
  • Members will be able to invite friends and family (including adult children) to join Genomic Life, as well as additional early screening and detection opportunities.
  • The Genomic Life navigation team will begin helping members access non-invasive, at-home screenings. Get More in 2027

Tips to Help You Get the Most Value from Your Benefits

To help manage healthcare expenses and maximize your benefits, consider these cost-saving strategies:

  • Know Your Benefits – Review your plan details to understand covered services, preventive care, and available resources.
  • Stay In-Network – Using providers in the Florida Blue BlueOptions network helps reduce out-of-pocket costs.
  • Choose the Right Care Setting – For non-emergency medical needs, consider your primary care physician, urgent care, or Teladoc instead of the emergency room.
  • Take Advantage of Preventive Care – Annual physicals, screenings, and preventive services are covered at 100% under both medical plans.
  • Use Generic Medications When Available – Generic drugs offer the same effectiveness as brand-name medications at a lower cost.
  • Compare Healthcare Costs – Florida Blue's member portal includes tools that can help you estimate and compare costs for medical procedures and services.
  • Use Teladoc Services – Access convenient and cost-effective care for General Medicine, Behavioral Health, and Dermatology needs.
  • Review Medical Bills and EOBs – Verify that services and charges are accurate before making payments.
  • Focus on Healthy Habits – Maintaining a healthy lifestyle can help reduce the risk of chronic conditions and future healthcare expenses.
  • Stay Informed – Understanding your health conditions and treatment options can lead to better healthcare decisions and outcomes.

Learn More

Questions? Contact Risk Management Email: soriskmanagement@sjso.org Phone: 904-209-2234

Who is Eligible?

Full-time employees working 30 or more continuous hours per week are eligible for the benefits outlined in this overview.

  • Your spouse (legally valid existing marriage)
  • Your dependent children until the age of 26 (employee's natural, newborn, adopted, foster, step child(ren), or a child for whom Employee has been court-appointed as legal guardian or legal custodian)
  • Your grandchildren until 18 months (newborn child of a covered dependent child)

Changing Your Benefits

You may make changes to your benefits if you experience a qualified life event.

  • Examples of QLE: marriage, divorce, birth, adoption or a gain or loss of coverage by your spouse or dependent child.
  • Your change must be consistent with the Qualified Life Event which has occurred.
  • Contact your benefits department at 904-209-2234.

How do I Enroll for Annual Enrollment?

  • Annual Enrollment is October 1 - 31, 2026.
  • All employees who wish to make changes to their current benefits MUST complete online enrollment.
  • The deadline to complete online enrollment is Friday, 10/31/26.

When Does Coverage Begin?

  • Annual Enrollment - Benefits begin on 1/1/2027.
  • New Employees - Coverage begins 30 days after the end of the month in which you are hired. For example, if hired on September 10, coverage begins November 1.
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Watch this video to learn more about

Qualifying Life Events

Dependent Documentation

Qualified life event requests and supporting documentation must be submitted in PlanSource within 30 days of the date of your life event. Supporting documentation must contain the reason for the change, the date of the event, and the family members who are affected by the event.

IMPORTANT: If you do not request a change in the enrollment site or do not provide the documentation within 30 days, you will have to wait until the next open enrollment to add or drop yourself or your dependents.

Changes to your elections are governed by the Section 125 Plan.

Eligible Dependents
Required Documentation
Spouse
The employee's spouse under a legally valid existing marriage.
Marriage certificate
Dependent Child(ren)
The employee's natural, newborn, adopted, foster, or step child(ren) (or a child for whom the Employee has been court-appointed as legal guardian or legal custodian). Can be covered on the plan up to the end of the month in which they turn 26 (regardless of marital or school status) or is no longer eligible under the Foster Child Program.
Birth Certificate naming the employee as the child's parent OR appropriate court order/ adoption decree naming the employee or employee's spouse as the child's legal guardian.
For stepchild(ren): Birth Certificate naming spouse as the child's parent AND above documentation required for a spouse.
Newborn Grandchild(ren)
The newborn child of a covered dependent child. Coverage for such newborn child will automatically terminate 18 months after the birth of the newborn child.
Birth Certificate naming employee's dependent child as the parent.
Disabled Dependents
Dependents who become totally and permanently disabled before age 26 and rely on you for support may be eligible.
Proof of the disability will be a statement from the dependent's physician certifying that the dependent was incapacitated or disabled prior to the limiting age, is incapable of self sustaining employment by reason of mental or physical disability, and is fully dependent upon the contract holder for support.

Mid-Year Changes / Life Event Documentation

You may make changes to your benefits elections if you experience a qualified life event.

All changes must be submitted within 30 days and must be the result of and consistent with the qualified life event that occurred.

Life Event (Adding)

Action
Requirements
Adoption
Adoption records
Birth
Birth Certificate
Marriage
Marriage Certificate
Gain custody of Dependent
Court Order documents
Self/Spouse/ Dependent Loses Coverage
Letter (on letterhead) from employer showing date coverage ended, or Online Benefit Confirmation Statement showing date coverage ended, AND required documents listed in "Who You Can Cover."
Lose Eligibility Medicare/ Medicaid
Letter from Center of Medicare and Medicaid Services (CMS) showing date coverage ended, AND required documents listed in "Who You Can Cover."
Spousal Surcharge
When your spouse becomes eligible for coverage through their employer, you are required to report this event and pay a spousal surcharge in order to keep your spouse covered on the medical plan.

Life Event (Removing)

Action
Requirements
Self/ Spouse/ Dependent Gains Coverage
Letter (on letterhead) from employer showing date coverage started, or Online Benefit Confirmation Statement showing date coverage started.
Gain Eligibility Medicare/Medicaid
Copy of Medicare or Medicaid card
Spousal Surcharge
When your spouse loses eligibility from coverage through their employer, you can report this event and remove the spousal surcharge, keeping your spouse covered on the medical plan.
Death of Dependent
Death Certificate (Long form)
Divorce
First page and Judges Signature page of Dissolution document/ Divorce Decree

Manage your benefits on PlanSource

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This digital guide is a summary of your benefits, should there be a discrepancy in this document and the carrier plan document, the carrier plan documents will always govern,