Local 587
Miami Association of Fire Fighters
  • IAFF Local 587 Health Insurance

    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.


    May 03, 2023

    Open Enrollment
    10/16/2023 - 11/12/2023

    The goal of the IAFF Local 587 Health Insurance Trust Fund is to provide our members with
    comprehensive and affordable health benefits to help you live a happier and healthier lifestyle.

    Open Enrollment for IAFF Local 587 Health Insurance Trust Fund (Trust) will run from Monday, October 16th, 2023 until Sunday, November 12th, 2023. This will be a passive enrollment, which means you do not have to log in to the system if you are not making changes. If there are no changes, your current elections will roll over to the next year.  If you do need to make changes for 2024, you must make the changes prior to the close of the Open Enrollment Period.  To make these changes, simply follow the instructions in the open enrollment package.

    Some of the enhancements that are scheduled to start in calendar year 2024 for all our members include: 

    • Increase in your Health Reimbursement Account: Single employees will receive $750 for the year, Married or Single and Child(ren) will receive $1,500 for the year and Family will receive $2,250 for the year. A 50% increase!
    • Advanced Eye Care Reimbursement:  In 2024 we will increase your eye care benefit to cover any FDA approved procedure to improve your eyesight up to a $5,000 maximum lifetime benefit. (Currently Lasix is covered for $1,000 an eye with a $2,000 maximum benefit.)
    • Fertility:  In 2024 the Trust will start covering certain procedures to assist our members with addressing fertility needs.
    • PeerFit by Fiton:  The Trust will be adding a new wellness benefit to complement our current Ignite Wellness Program. The Peerfit program gives you credits each month that you can use to join a gym, take yoga classes or use points to participate in any of the multiple programs offered at no additional cost to you.

    For Active Employees this will be the second year in a row there will be no increase in contributions for your health insurance coverage.  

    For the Non-Medicare Retirees there will be a significant reduction in contributions for your 2024 health insurance coverage.  I am also happy to report that in 2024 we will continue to enhance our benefits for all our members to give you great medical, dental, vision, and mental health benefits, at an affordable price.

    The 2024 rates for Non-Medicare Retirees are:

    • Employee only coverage drops from $352 a month to $250 a month in 2024.  A savings of $1,224 a year.
    • Employee + Spouse or Domestic Partner coverage drops from $798 a month to $555 a month in 2024.  A savings of $2,916 a year.
    • Employee + Child(ren) coverage drops from $671 a month to $475 a month in 2024A savings of $2,352 a year.
    • Family coverage drops from $1,057 a month to $750 a month in 2024. A savings of $3,684 a year.

    For the Medicare A&B Retirees, in 2024 you have the option to move to Cigna's Medicare Advantage Plan. The new plan offered through Cigna, will be called True Choice Medicare Advantage Plan and will provide a substantial savings over your current rates. (AETNA will no longer be offered.)  Members that move to the True Choice plan will also have the added comfort of knowing the plan will be offered by our long-term partner, Cigna.

    If you are on Cigna’s Plan as secondary to Medicare, but are eligible to join the True Choice Medicare Advantage Plan, you can save on your monthly premiums and receive a variety of new and extra benefits that are not available in our traditional plan by moving to the True Choice Plan. 

    2024 rates for the True Choice Medicare Advantage Plan are:

    • Member Only Coverage: The True Choice Medicare Advantage Plan rates will be $100 a month, compared to the $250 a month rate for the traditional Medicare Plan. A savings of $150 a month or $1,800 a year.
    • Rates for Member plus Spouse/Domestic Partner: The True Choice Medicare Advantage Plan rates will be $250 a month, compared to the $555 a month rate for the traditional Medicare plan.  A savings of $305 a month or $3,660 a year.

    The Cigna True Choice Medicare Advantage Plan also has:

    • No deductibles
    • No out-of-pocket expenses for covered medical services
    • Freedom to go to any doctor, hospital or clinic that accepts Medicare and willing to accept Medicare allowable payments by Cigna, with no contract.
    • No out-of-network up-charges
    • 100% coverage for the covered medical services after your monthly premiums
    • Includes an annual $1,000 maximum out-of-pocket for covered prescription medicine.
    • The current Cigna Dental program is included at no additional cost
    • Includes the same Vision Program you currently enjoy with Cigna
    •  A dedicated Cigna team to assist with any issues your current Medicare health provider may have with you moving to Cigna Medicare Advantage

    For those members that are not eligible for the Medicare Advantage Plan, or choose not to belong to the plan, there will be a slight decrease in rates and some additional enhancements made to the benefits.  The rate reduction is less in the traditional Cigna Medicare Plan because the Trust has a much higher liability when a member is in the traditional Medicare Plan than the Medicare Advantage Plan.


    Oct 13, 2023

    2024 Health Insurance Guide Books

         

       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

    2024 Health Reimbursement Account (HRA)

    Health Reimbursement Account (HRA) – The HRA will be administered by Diversified.  It can be used to pay for or reimburse for any IRS Code Section 213(d) Eligible Medical Expense.  Please see the entire  booklet for more complete information. 

    The maximum dollar amount that may be credited to the account for the 2024 plan year is: 

    • $750.00 for those with employee only coverage
    • $1,500 for those with employee plus 1 coverage
    • $2,250.00 for those with employee plus family coverage.  

    For 2024, the new debit card, the Benefits Card, will be replacing the mySource card.  All members and their dependents who already have a mySource card will be receiving their replacement cards before the end of the year. Please note that although this is a new card, if your HRA account is still blocked, this card will also be blocked until you resolve any outstanding issues with Diversified.


    Members who have not yet signed up to receive a debit card must fill out this auto-fill form or print out and return this form to Diversified using the instructions on the form.








     

    ALL USERS MUST LOG IN TO THE WEX ACCOUNT THE FIRST TIME USING THE FOLLOWING INSTRUCTIONS:

    • Go to www.Div125.com
    • Click on the blue WEX Login button in the upper right-hand corner
    • Click in the Existing Users box, entering the Username and Password following the instructions on the next lines.
    • Your first time username is your first initial, your last name, and the last 4 of your SSN - jsample9999
    • Click the next button, and a password field will appear below where you entered your username
    • Your first time password is your 5-digit zip, your first initial (lowercase), and the last 4 of your SSN - 33333j9999
    • After setting up 3 security questions, you can customize your username and password. Answers are CASE sensitive


    Jul 15, 2020

    Advanced Eye Care Reimbursement
    (formerly Lasik only)

    Starting in 2024, members and their dependents covered by the Plan are eligible for up to a $5,000 maximum lifetime benefit for any FDA approved procedures to improve your eyesight.

    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 27, 2020

    Summary Plan Documents (SPD's)

    Please note, 2024 SPD's are under review and will be uploaded shortly.

    Below are the 2023 SPD's.  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


    Oct 08, 2020

    Contact Numbers

    BENEFITS ADMINISTRATION (HEALTH TRUST)
    305-425-1938
    CIGNA OAP MEDICAL
    1-800-244-6224
    CIGNA TRUE CHOICE MEDICARE ADVANTAGE
    1-800-281-7867
    CIGNA DENTAL
    1-800-244-6224
    CIGNA VISION
    1-888-353--2653
    DIVERSIFIED ADMINISTRATION (HRA) - 954-983-9970

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


    Oct 21, 2021



    Page Last Updated: Oct 13, 2023 (11:34:00)
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