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. 

    In 2019, we bundled medical, dental and vision benefits for less than what our members had been paying for just medical. The medical benefits duplicated those offered by the City. Dental and vision benefits were improved over those offered by the City.

    For the 2020 year, we continued to offer our Active Employees the Cigna NPOS plan bundled with Vision and Dental at a minimal cost increase.

    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, but their monthly contributions were reduced.

    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.  This provided more options and possible cost savings to those members.

    So what's new for the 2021 year?  We're happy to announce that the premiums for Retirees have decreased for the 2021 year for Cigna coverage by approximately 5% and for Aetna Medicare Advantage plan options by approximately $21 a month per member.   And, for Actives there was no increase to contributions.

    In addition to these premium decreases, the following benefits have been added or improved upon to lower your 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.

    We continue to strive to provide the best coverage at the best rates for our members.

    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 24, 2019

    How to Enroll or Make Changes to Health Insurance
    PlanSource - Online Portal

    Active Employees must make their benefit elections/changes using the online portal, PlanSource.

    Retired Members are urged to make their benefit elections on PlanSource.

    (Enrollment Forms are also available for Retirees that prefer to send in their changes.)

    2021 Enrollment Forms Link

    How to use PlanSource:

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

    1. Go to www.plansource.com/login

    2. Follow the instructions below for your Login ID and Password.
      (Example Login ID: jwillia1234, Password: 19820104)
       - Your username/log in will be 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.
       - Your temporary Password will be your birthdate in the YYYYMMDD format. 
       - You will be prompted to choose a new password.

    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.

    6. 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.

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

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

    9. 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.

    Also 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.

    Next - Health Insurance Guide Books

    Oct 24, 2019

    Health Insurance Guide Books - 2021 Coverages
    Please click the link or document within the column which corresponds to you.

    Active Employees

    Non-Medicare Retirees & 
    Medicare Retirees
     with Non-Medicare Dependents 

     Medicare A&B Members
    Single or Married
     (Both Enrolled in Parts A&B)

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

    How to Enroll
    Retirees are urged to`enroll
    or make changes using
    the PlanSource online portal.
    Click For

    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 For

    Medicare A&B Retirees
    (Single or Married) who
    prefer to send in their 
    changes, can fill out and
    return the form below. 
    Just click on it & print it out.

    Oct 08, 2020

    AETNA 1-800-307-4830

    CIGNA - 1-800-244-6224

    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 during January 1, 2021 - December 31, 2021 may be turned in at any time prior to March 31, 2022. 

    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.

    CIGNA Point of Service Medical Benefits (NPOS)

    CIGNA Comprehensive Medical Benefits (COM)

    Page Last Updated: Apr 02, 2021 (10:44:00)
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