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Insurance Benefits at PCSO |
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All
full-time and part-time members are eligible for medical, dental,
vision and life insurance benefits.
Full details and rates for each of the benefits listed for active members may be found in the
2020-2021 PCSO Member Benefits Guide
. Full details and rates for each of the benefits listed for retired members may
be found in the 2020-2021 Retiree Benefits Guide.
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Medical Insurance |
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PCSO will continue to use UnitedHealthcare for medical coverage.
Members may choose between two plan options, Platinum and Gold.
The Platinum plan provides coverage for acupuncture, infertility treatment and weight loss surgery; the Gold does not.
Both plans have the same network of providers, and are open access.
Members who choose the Platinum plan will pay higher monthly premiums, and will have lower copays,
coinsurance and deductibles than members who choose the Gold plan.
Visit www.myuhc.com
for additional information about the medical plan.
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Prescription Drug Coverage |
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Prescription
drug coverage is included with your medical insurance, and is administered for PCSO by
OptumRx,
a partner with UnitedHealthcare. An easy way to save money is to switch your brand name drug to a less expensive generic drug.
Discuss with your physician to see if your prescription drug has a generic alternative that may be right for you.
In addition, ask your doctor to write maintenance medication prescriptions for a 3-month supply,
if appropriate, so that you can fill through the OptumRx mail-order program and receive the 3-month supply, delivered to your door,
for the cost of 2 retail copays.
After your second refill of a maintenance medication at a retail pharmacy, you will have to pay an increased copay of 1-1/2 times the retail copay for a 30-day supply.
Visit www.myuhc.com
to obtain additional information about the prescription drug plan.
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Dental Coverage |
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PCSO offers optional dental coverage through
Delta Dental. Members may
choose between two dental plan options:
1. Preventive Only plan, or;
2. Preventive Plus Plan.
Whichever you choose, each plan makes it easy and affordable for you to
maintain a healthy smile.
Visit www.deltadentalins.com to find a network provider in your area. Dentists who participate in the Delta Dental Premier network cost less than out of network dentists. Dentists in Delta Dental PPO network will cost even less.
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Vision Coverage |
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PCSO offers optional vision coverage through
UnitedHealthcare Vision. The plan
covers periodic eye exams, eyeglasses and contact lenses for you and your
eligible dependents; in addition, there is a LASIK benefit. Find a network
provider and receive the most from your benefits by visiting
www.myuhcvision.com.
Remember, your UHC medical / Rx card is also your insurance card for vision. You can print a vision ID card by visiting www.myuhcvision.com
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Employee Assistance Program |
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PCSO’s Employee Assistance Program (EAP) services are provided by
ComPsych.
ComPsych offers confidential services that are tailored to the needs of our members and any person residing in your home, including:
- Counseling sessions (up to 6 sessions per issue, per plan year, with unlimited issues per year)
- Helping you and your family cope with family, marital and relationship problems;
emotional difficulties such as depression, anxiety and guilt; drug and alcohol dependence
- Referrals for child and elder care research
- Assistance with legal and financial concerns
- 24/7 telephone counseling and referrals by calling 1-888-327-4801
To use the online services, log on to the ComPsych website at www.guidanceresources.com.
Click the blue link at bottom right of page that states, “I am a first time user”; enter Company/Organization
Web ID:
PCSO; create username and password; complete all required fields (those marked with red asterisk); click submit; enter demographics (optional);
read terms of use and click inside the check box to indicate your agreement to those terms; click submit.
For future logins, go to the Login section and enter username and password and click Login.
If you experience any problems logging in, e-mail memberservices@compsych.com or call 1-877-595-5289.
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Life Insurance |
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ACTIVE MEMBER: |
Offered through
UnitedHealthcare, PCSO provides basic life insurance equal to member’s base annual earnings,
rounded up to the nearest $1,000 increment.
During open enrollment, members have the option to purchase up to $20,000 in supplemental life insurance without going through medical underwriting,
subject to all of the following:
1.
The additional life insurance must be taken in $5,000 increments;
2. The total amount of supplemental life insurance is limited to 5 times base annual earnings or $250,000 (whichever is less);
3. The member was not previously denied for additional life insurance.
During open enrollment, members have the option to purchase additional life
insurance for themselves, or their spouse, but a medical
Evidence of Insurability questionnaire may be required for underwriting
purposes.
Do you have a spouse, parent or child who is also employed at the Pinellas County Sheriff's Office? If you answered yes, it is important that you understand that members cannot be both a member and a dependent on any of the agency Life Insurance benefits and, should you need to file a claim, you would NOT receive the "dependent" benefit.
Please remember to keep your life insurance beneficiary information updated!
Changes can be made by completing a new beneficiary designation form located on SONET/agencyforms. Please print, sign and return form to HR Benefits via fax @ 727-582-5893, email @ insurancebenefits@pcsonet.com or inter-office mail.
Human Resources Benefits
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