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

    IAFF Local 587 Health Insurance

    You may or may not know that for years the Union has been trying to break away from the City's medical, dental and vision plans. We have always believed that we could provide better benefits for our members and retirees, and in 2018 we had the chance to do so. Since then, we bundled medical, dental and vision benefits for less than what our members had been paying for just medical. We continued to offer our Active Employees the Cigna NPOS plan bundled with Vision and Dental at a minimal cost increases.  Our Non-Medicare Retirees and our Medicare Retirees not eligible for Medicare Parts A & B or with dependents were also offered the Cigna NPOS bundled plan with reduced monthly contributions.  Our Medicare Part A & B Retirees and those with spouses also enrolled in Medicare Parts A&B, were offered the option to enroll in either Cigna or Aetna for supplemental insurance.  In addition to these premium decreases, the following benefits had been added or improved upon to lower health insurance costs while providing more services and preventative care:

    • Cardiac CT Calcium Scoring at In Network provider covered at 100% / Out of Network covered at coinsurance after deductible

    • Breast Ultrasounds at In Network provider covered at 100% / Out of Network covered at coinsurance after deductible

    • Pharmacy Savings for Tier 1 Retail Prescriptions  $10 co pay or Free 90-day supply via Cigna’s mail order

    • Orthodontic Coverage increased to a lifetime maximum of $2,500.00

    • Hearing Aids are covered at 100% with a maximum allowance of $2,000 per pair and limited to once every 3 years

    • 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 since this is not be covered by Cigna. Member will need to submit an invoice and proof of payment.

    So what's new for the 2022 year?  We're happy to announce that premiums for retirees will be decreasing by 30% this year for both the Cigna coverage and Aetna Medicare Advantage plan.  The Trust also voted to increase several benefits to continue reaching the goal of making our members healthier, happier, and to lower your health insurance costs, overall. This includes a new Health Reimbursement Account (HRA), a Wellness Program and increased Dental Coverage.

    • Health Reimbursement Account: To help off-set your Medical Costs, we are introducing a new HRA with a Debit Card and Direct Deposit option that can be used for co-pays, out of pocket costs, prescription drugs, and other IRS approved expenses. A Single coverage member will receive $500, Member and Spouse or Member and Child(ren) will receive $1,000, and Member with Family will receive $1,500 to spend prior to December 31st, 2022.  There are important rules that must be followed when using this card, so please read the material carefully and be sure to save receipts for all qualified purchases.  You must sign up for the HRA to receive the Debit Card or get Direct Deposit into your bank account.  Details will be contained in the Open Enrollment Package or download the HRA packet here. 
    • Wellness Program: To help us reach the goals, we are introducing a new Wellness Program that will help each covered member try to reach a healthier, happier lifestyle.  The Wellness Program will start off by allowing you to establish a baseline of your current health and lifestyle. Afterwards, it will introduce incentives and programs for you to take advantage of in order to make those small changes that will lead to improving your overall health. You will be able to track your progress towards your goals via a web portal or on your phone. 
    • Increased Dental Coverage: The Calendar Year Maximum Benefit will be increased from $1,500 to $2,000 for Calendar Year 2022.  This is for those enrolled in the Cigna Dental Program only. 

    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 10/25/2021 - 11/12/2021
    This is a passive enrollment, which means you do not need to login to the system if you are not making any changes.  If you do not make any changes, your current elections will rollover to next year, and your rates will be adjusted accordingly.

    In addition to previous years’ enhancements and benefits increases, the Board of Trustees voted to provide the following additional benefits to our program effective on January 1st, 2022:

    1. Dental Benefits – The Calendar Year Maximum benefit will increase from $1,500 per year to $2,000 per year.
    2. Health Reimbursement Account (HRA) – This is separate and different from the FSA* card managed by the City of Miami where you contribute pre-tax dollars.  For the HRA card, you do not contribute any monies from your payroll since it is funded by the Trust.  The HRA will be administered by Diversified Administration in combination with a mySource MasterCard.  It can be used to pay for or reimburse for any IRS Code Section 213(d) Eligible Medical Expenses.  We are working hard to get this program up and running on January 1st, 2022.  More information can be found in the attached.
    • For the calendar year 2022, you are eligible to receive up to:
    • $500 for Member Only Coverage
    • $1,000 for Member + Spouse Coverage or Member + Child(ren) Coverage
    • $1,500 for Family Coverage

    *Flexible Spending Account – FSA Your Flexible Spending Account (FSA) is administered by the City of Miami, and not the IAFF Local 587 Health Insurance Trust.  To enroll or make changes to your FSA account, you must do so during the City of Miami's Open Enrollment Period.  For any questions related to FSA contact the City of Miami Groups Benefits at 305-416-1380.

    Oct 21, 2021





    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 

    Employees will need to make their benefit elections on MarketLink/PlanSource, our online enrollment system or using the new mobile phone app.

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

    1. Go to PlanSource Login or to the phone app.

    2. Follow the instructions below for your Login ID and Password. You will be prompted to choose a new password.

    • 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
    Example #2: Rebecca Gray, SSN: XXX-XX-2345, Birthdate: August 14, 1962
    Login ID: rgray2345, Password: 19620814

    3. On the homepage, click “Get Started” to begin.

    4. First, you’ll be asked to review and update your profile and ensure that all information listed about yourself and dependents is correct.

    5. 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. Click “Update Cart” to choose the plan.

    6. To finalize and save your choices, click “Checkout.” You must complete the checkout process in order to be enrolled in benefits.

    7.    You will then land on the Summary page that confirms you have completed the enrollment process. Note: 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:


    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 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
    CITY OF MIAMI (FSA) - 305-416-1380

    Page Last Updated: May 26, 2022 (07:39:00)
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