Local 587
Miami Association of Fire Fighters
  • L587 Health Insurance Trust

    IAFF Local 587 Health Insurance

    For questions or comments, please call 305-425-1938 or email benefits@healthtrustmaff.org 

    The information contained in these documents is expressed in good faith and while every care has been taken in preparing these documents, the IAFF Local 587 Health Insurance Trust Fund makes no representations and gives no warranties of whatever nature in respect to these documents, including but not limited to the accuracy or completeness of any information, facts and/or opinions contained therein. The IAFF Local 587 Health Insurance Trust Fund, its subsidiaries, the directors, employees and/or agents cannot be held liable for the use of and reliance of the opinions, estimates, in these documents.  Final determination of any terms or estimates will be defined by the IAFF Local 587 Health Insurance Trust Fund's Plan Document.


    Oct 21, 2021

    Open Enrollment will be from 10/24/2022 - 11/25/2022

    Our benefits portal is available for Open Enrollment selections between October 24, 2022 and November 25, 2022.

    While we recommend that you login to the benefits portal and review your current elections to ensure everything is to your satisfaction, if you take no action, your current coverage will rollover into the new plan year starting January 1, 2023. 

    Any changes you make will be effective from January 1, 2023 – December 31, 2023.

    Please see your respective Benefits Packet for details on plan coverages and offerings for next year.  The packet includes an update letter from the Trust Chairman, directions for updating or making changes to your insurance, as well as forms you may need to take advantage of the Health Reimbursement Account, and Lasik reimbursement.

    If you have questions regarding your benefits or need assistance making your elections on the benefits portal, please call 305-425-1938 or email benefits@healthtrustmaff.org.

    Did you know? You can now access your benefits information on the go.  Download the PlanSource Mobile app to manage your benefits anytime, anywhere.

    Download on the Apple App Store   Get it on Google Play


    Oct 22, 2022

         

       ACTIVE EMPLOYEES      

    RETIREES NON-MEDICARE & MEDICARE  (WITH NON-MEDICARE DEPENDENTS)

    RETIREES MEDICARE A&B ENROLLED SINGLE OR MARRIED
    BOTH ENROLLED IN MEDICARE

    How to Enroll
    Actives must enroll or make
    changes using the
     PlanSource  online portal. 
    Click Here for Instructions


     

    How to Enroll
    Retirees are urged to`enroll 
    or make changes using the 
    PlanSource online portal. 
    Click Here for Instructions
    ~~
    Non-Medicare & Medicare Retirees 
    with Non-Medicare Dependents 
    who prefer to send in their 
    changes, can fill out and
    return the form below.  
    Just  click on it & print it out.
     

    How to Enroll
    Retirees are urged to`enroll 
    or make changes using the 
    PlanSource online portal. 
    Click Here for Instructions
    ~~
    Medicare A&B Retirees (Single or if Married with both enrolled in Medicare A&B) who prefer
    to send in their changes, can fill 
    out and return the form below. 
    Just click on it & print it out.
     


    Oct 21, 2021

    Open Enrollment & Online Benefits Changes 

    Please follow the instructions below to login and make your elections. You may use a computer, smartphone or tablet device. 

     

    If you do not need to make changes to your insurance, you do not need to follow these steps.  

    • Go to https://benefits.plansource.com
    • Follow the instructions below for your Login ID and Password. You will be prompted to choose a new password.
      Note:  If you’ve previously logged in, you will still need to use these login instructions during Open Enrollment, as the system resets previous logins/usernames to the default.
    • Login ID/Username Your username is the first initial of your first name, up to the first six letters of your last name, and the last four digits of your SSN.
    • Password your initial password is your birthdate in the YYYYMMDD format.
      • Example #1: Taylor Williams, SSN: XXX-XX-1234, Birthdate: January 4, 1982
      • Login ID: jwillia1234, Password: 19820104
    • On the homepage, click “Get Started” to begin.
    • First, you’ll be asked to review and update your profile and ensure that all information listed about yourself, and dependents is correct.
      • You can then begin shopping for benefits!
      • Educational material about the specific plan type is available at the top of the page.
      • Plan choices are displayed on “cards,” which provide a brief summary of what is included in the plan.
      • Click a card to get more details about a specific plan.
    • To select a plan, indicate which family members are covered by clicking “edit family covered” and select the card for each family member you’d like to add to the plan.
    • Once all dependents are updated click “Next: Shop for Benefits” at the bottom of the page
    • Click on the “+” next to Medical or the ” View and Change Plan” to the right of the page
    • In the drop down make sure to click to select the new dependent(s) you want to add to your plan.
    • Make sure the person is checked marked prior to closing the window or they will not be covered in
    • the health insurance
    • Once all dependents are selected, scroll down and click “Start Survey” on each of the statement boxes that have not been completed.
    • Review and accept and confirm the statements.
      • To proceed you must acknowledge and accept each of the statements on this page.  If you have questions or concerns with any of the statements, please contact our office.
    • Click “Review and Checkout” at the bottom of the page.
    • If selections are correct click “Checkout” at the bottom of the page
    • Click on the “Update Cart” button
    • Review your selections again, once complete click “Review and Checkout” at the bottom of the page
    • If selections are correct click “Checkout” at the bottom of the page
    • Upload documents* for each dependent added to plan
    • Click “Update Cart” to choose the plan.
    • To finalize and save your choices, click “Checkout.”
      • You must complete the checkout process in order to be enrolled in benefits.
    • You will then land on the Summary page that confirms you have completed the enrollment process.
      • You may download, email, or print the summary for your records.

    Please note, this is a year-round portal, which allows you to visit frequently to confirm your benefits elections, update demographic information and/or make qualified life event changes. If you have questions, please contact your Benefits team at benefits@healthtrustmaff.org 


    Oct 21, 2021

    Health Reimbursement Account (HRA)

    The IAFF Local 587, has established a plan to reimburse you for any eligible IRS permitted medical, dental or vision expense.

    Here is how it works: 
    Once you become a Participant, a reimbursement trust account will be maintained in your name, to keep a record of the amounts available to you for certain eligible expenses.

    The maximum dollar amount that may be credited to the account in any plan year is: 

    • $500.00 for those with employee only coverage
    • $1,000 for those with employee plus 1 coverage
    • $1,500.00 for those with employee plus family coverage.  

    As you incur eligible expenses, you may be required to provide supporting documentation. Cash register receipts, canceled checks, credit card slips or credit card bills will not be accepted.  If the expense is eligible, you will receive a reimbursement and the amount will be recorded in your account.  If the reimbursement request is rejected as not eligible, you will be notified why. 

    You can access your account balance and MySourceCard activity at any time by signing into our website. If you have never created a login ID for our website, please follow the following instructions:

    1. Go to www.div125.com
    2. Login ID field – type in your SSN# without spaces or dashes
    3. Skip the password field and click login
    4. Enter employer code: 48898691
    5. You can then personalize your ID and password

    Ways to Use Your HRA Funds

    Click image to access full packet of forms and information.

    Option 1- MySourceCard: Important - If you do not follow this step you will not receive a MySourceCard.
    You must submit  the MySourceCard Enrollment Agreement form included in the packet as directed.

    How To Use the MySourceCard:
    1- The card will only work at eligible medical, dental, vision & Rx providers.
    2- Simply swipe your card at your provider’s office.
    3- Payment is automatically deducted from your available balance.
    4- No need to pay cash up front and wait to be reimbursed.
    5- Always remember to **SAVE YOUR DETAILED RECEIPTS. **Canceled checks, credit card slips or credit card bills will not be accepted.
    6- No need to submit every claim!
    a. Many card swipes will automatically be approved without additional documentation.
    b. If we need to see any detailed receipts, we’ll let you know by email.
    c. Make sure to submit your documentation within 60 days of the swipe, to avoid an interruption on 
    your card!

    Option 2- Claim Submission:

    A. Submitting a Claim online:
    After you sign in to www.div125.com, all online claims can be accessed from your user home page screen. Simply follow the prompts to submit your claim.

    B. Mobile App Submission:
    Note: You must create your login ID using the website, before you can log into the mobile app.
     - For the iPhone  you can download the app here: https://itunes.apple.com/us/app/myrsc/id561492867?mt=8
     - For Android Phones you can download the app here: https://play.google.com/store/apps/details?id=com.dpath.myrsc&hl=en

    C. Submit a claim form Via email:
    Send claim form with all supporting documents to claims@div125.com.

    D. Submit a claim via fax: (954) 983-9695.

    E. Submit your claim via USPS mail:
    Please allow additional time for processing.


    Diversified Administration, Inc.
    6600 Taft Street, Suite 304
    Hollywood FL. 33024

    Once your claim has been approved, you will be reimbursed via direct deposit into the account of your choosing.
    Note: Please make sure you have submitted a direct deposit form when sending in your claim information.

    Important Notes

    1. When using the claim form, please make sure to put “IAFF Local 587” in the line that says "employer".
    2. When submitting a claim for reimbursement, and it is your first time doing so, please make sure to include the direct deposit form.
    3. Attached to this document, you will find both the claim and direct deposit forms.
    4. If you have any additional questions or any concerns, please feel free to call: (954)983-9970, Option 3

    Jul 15, 2020

    Lasik Reimbursement

    Lasik Procedures will be covered with a maximum allowance of $1,000 per eye on a reimbursement basis paid directly to the Member by the Trust. 

    ADMINISTRATION OF THIS BENEFIT/REIMBURSEMENT REQUESTS: Unfortunately, Cigna has advised that it cannot administer the approved benefit through their system. 

    The member is required to fill out a reimbursement form and provide appropriate documentation to be reimbursed.  Reimbursement shall be limited to reasonable and customary costs.

    Reimbursement requests for expenses must be submitted as follows:

    Expenses incurred January 1, 2022 - December 31, 2022 prior to March 31, 2023.

    Reimbursement requests shall be submitted to the Benefits Administrator by email or USPS mail to:

    MAFF L587 Health Insurance Trust
    2980 NW South River Drive
    Miami, Florida 33125

    or via email to:

    benefits@healthtrustmaff.org

    If you have any questions about these improvements, feel free to contact the Trust at 305-425-1938 or by email at benefits@healthtrustmaff.org.


    Oct 21, 2021

         

       ACTIVE EMPLOYEES      

    RETIREES NON-MEDICARE & MEDICARE (WITH NON-MEDICARE DEPENDENTS)

    RETIREES MEDICARE A&B ENROLLED SINGLE OR MARRIED
    BOTH ENROLLED IN MEDICARE

    How to Enroll
    Actives must enroll or make
    changes using the
     PlanSource  online portal. 
    Click Here for Instructions


     

    How to Enroll
    Retirees are urged to`enroll 
    or make changes using the 
    PlanSource online portal. 
    Click Here for Instructions
    ~~
    Non-Medicare & Medicare Retirees 
    with Non-Medicare Dependents 
    who prefer to send in their 
    changes, can fill out and
    return the form below.  
    Just  click on it & print it out.
     

    How to Enroll
    Retirees are urged to`enroll 
    or make changes using the 
    PlanSource online portal. 
    Click Here for Instructions
    ~~
    Medicare A&B Retirees (Single or if Married with both enrolled in Medicare A&B) who prefer
    to send in their changes, can fill 
    out and return the form below. 
    Just click on it & print it out.
     


    Oct 27, 2020

    Summary Plan Documents (SPD's)

    Please click on the links below to download.

    AETNA Premium Plan

    AETNA Premium Annual Notice of Changes

    AETNA Mid-Range Plan

    AETNA Mid-Range Annual Notice of Changes

    AETNA Medicare Plan (PPO) with Extended Service Area (ESA) & Aetna Medicare Rx Plan

    AETNA Non-Part D Supplemental Benefit

    CIGNA Point of Service Medical Benefits (NPOS)

    CIGNA NPOS Rider

    CIGNA Comprehensive Medical Benefits (COM)

    CIGNA COM Rider

    CIGNA Dental Preferred Provider (DPPO)

    CIGNA Dental Preferred Provider (Texas Only)


    Jul 01, 2022

    Transparency in Coverage - Machine Readable Files (MRF's)*

    This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

    url: https://www.cigna.com/legal/compliance/machine-readable-files

    *Note that prior to 7/1/22, this link will take you to the home page of Cigna.com, but will access the MRFs page after that date.


    Oct 08, 2020

    Contact Numbers

    BENEFITS (HEALTH TRUST) - 305-425-1938
    AETNA 1-800-307-4830
    CIGNA1-800-244-6224
    CITY OF MIAMI (FSA) - 305-416-1380
    DIVERSIFIED ADMINISTRATION (HRA) - 954-983-9970




    Page Last Updated: Oct 24, 2022 (07:19:00)
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