Employee Benefits

Medical Insurance Benefit Summary

Below are the health summary guides.  These guides provide detailed information on co-pays, deductibles, and coverage.  Dependent coverage is additional at the employee’s expense.

• Capital Health Plan Summary Guide
• Capital Health Plan Health/Fitness Center Reimbursement:  Subscribers are eligible for reimbursement once per calendar year up to $150 per family.  You must be a current member of an approved health and fitness program/gym.  Please call member services to verify.  (850) 383-3311
  • Capital Health Plan Health/Fitness Center Reimbursement Form

• Blue Cross Blue Shield PPO Plans
• Florida Blue / Blue Options Plan 03559
• Florida Blue / Blue Options Plan 05905

 ** Transparency in Coverage 

Section 2715A of the PHS Act provides that group health plans and health insurance issuers offering group or individual health insurance coverage must comply with section 1311(e)(3) of PPACA, which addresses transparency in health coverage and imposes certain reporting and disclosure requirements for health plans that are seeking certification as qualified health plans (QHPs) that may be offered on an Exchange. A plan or coverage that is not offered through an Exchange (as defined by section 1311(b)(1) of PPACA) is required to submit the information required to the Secretary of HHS and the relevant state’s insurance commissioner and to make that information available to the public.

• https://www.floridablue.com/members/tools-resources/transparency
• https://capitalhealth.com/transparency-in-coverage

We are proud to offer you a choice between two different dental plans.  A high option plan and a low option plan.  Both plans offer you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the Ameritas Dental network.  
Following is a high-level overview of the coverage available.

Learn more about your dental benefits: 

• Dental High Plan
• Dental Low Plan

An affordable eye care plan is offered through The Standard - VSP Network. Employees may elect coverage for themselves and their eligible dependents.

Learn more about your Vision benefits: Vision Summary Guide Summary Guide

• Basic Life Insurance: TSC provides Basic Life Insurance Coverage for all full-time employees in the amount of 2 X your annual salary.  Your Basic Life Insurance coverage includes Accidental Death and Dismemberment coverage.
• Voluntary Term Life Insurance: Full-Time Employees can apply for additional voluntary employee life insurance coverage in $25,000 increments to a maximum coverage of $500,000. Employees can also elect voluntary spouse life insurance and voluntary child life insurance. (Employees must elect Voluntary Employee Life to be eligible to elect Voluntary Spouse or Voluntary Child Life Insurance)

Learn more about your Life Benefits: 

• Group Basic Life Insurance Summary 
• Additional Life Benefit Summary 
• Life Services Tool Kit - Services to Help You
• Life Services Took Kit - What to Expect

The Standard Optional Insurance Benefits

>Accidental Insurance Benefits

Having an accident doesn’t just hurt you — it can also damage your finances. Your medical insurance will cover some of the expenses, but you'll be left to foot the bills for your copays and deductibles. Those can add up fast, especially if you’re unable to work while you recover. That’s where Accident insurance comes in: It helps protect your bank account from the out-of-pocket expenses that can come with an injury — whether you’re coping with a broken arm or recovering from a serious car accident.

>Learn more about your Accidental Insurance benefits: 

• Accident Insurance Summary
• How to File an Accident Claim

Critical Illness Insurance Benefits

You may have medical insurance. But that doesn’t mean you’re covered for all of the expenses resulting from a serious
illness that you probably haven’t budgeted for — things like copays, deductibles, loss of income, child care, and travel
expenses. Group Critical Illness insurance helps fill the gap caused by these out-of-pocket costs, creating a financial
safety net for you and your family.

Learn more about your Critical Illness Insurance benefits:  

• Critical Illness Summary
• How to File a Critical Illness Claim

Hospital Indemnity Insurance Benefits

Medical insurance is important. Especially when you have a hospital stay – planned or unplanned. But it can leave you
with unexpected bills and out-of-pocket costs. Group Hospital Indemnity insurance can help cover unexpected out-of-pocket expenses such as copays, deductibles, and out-of-network charges, as well as everyday living expenses. It pays a benefit directly to you for hospital stays, regardless of your treatment costs or other insurance coverage you might have

Learn more about your Hospital Indemnity Insurance benefits: 

• Hospital Indemnity Insurance
• How to File a Hospital Indemnity Claim

Short-Term and Long-Term Disability Insurance Benefits

You probably have insurance for your car or home, but what about the source of income that pays for it? You rely on your paycheck for so many things, but what if you were suddenly unable to work due to an accident or illness? How will you put food on the table, pay your mortgage, or heat your home? Disability insurance can help replace the lost income and make a difficult time a little easier. 

Learn more about your Short-Term and Long-Term Disability Insurance benefits: 

• Long Term Disability Summary
• How to File a Long Term Disability Claim
• Short Term Disability Summary
• How to File a Short Term Disability Claim

Murphy Meadows, Inc.

Medical FSA

A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows you to pay for eligible medical expenses on a pre-tax basis. If you expect to incur medical expenses that won't be reimbursed by an insurance company or another plan, FSAs are a great way to save money while covering those costs. You can contribute up to $3,200.00 annually to your FSA.

Dependent Care FSA

Dependent Care FSA (DCA) is a Flexible Spending Account (FSA) that allows you to set aside pre-tax dollars for Dependent Care expenses, i.e. daycare, summer camp, after-school care, before school care for your dependent child that is under age 13 or elder daycare for your parents.  The IRS DCA annual contribution limits are $5,000 if you file your income taxes as single or married filing jointly; and $2,500 if you are married filing separately.

View MMI 2023 Enrollment Packet