RETIREE BENEFITS: ENROLLMENT DEADLINE NOVEMBER 13, 2026

Welcome to your 2027 M-DCPS Open Enrollment!

What You Need to Know:


Cigna Healthcare Plans:

Medicare Group Healthcare Plans:

Flexible Benefits:

If you and your dependent are enrolled in an offered Flexible Benefit, this is a mandatory enrollment. Your current Flexible Benefits will terminate on December 31, 2026.

Effective January 1, 2027, the School Board will introduce new benefit offerings. As a result of recent negotiations, you are being offered a special, one-time opportunity to enroll in any of the Flexible Benefits offered for the 2027 plan year.

If you would like Flexible Benefits coverage for the 2027 plan year, you MUST actively enroll during the enrollment period.

Enrollment Assistance:

To assist you with your enrollment election, we enclosed in your enrollment packet a Benefits Summary detailing the healthcare and/or flexible benefits you are currently enrolled in. We strongly encourage you to use this summary to evaluate if the plan you currently have still meets your needs.

Benefits Educators are ready to support, guide and assist you with your online benefits enrollment. We are providing in-person, telephonic and virtual enrollment assistance. To schedule an appointment with a Benefits Educator, click on the below link and select what type of enrollment assistance you would like.

Retiree Scheduler

For general questions regarding the 2027 open enrollment, please call the FBMC Service Center at 1 (855) 632-7748, Monday - Friday, 7 a.m. to 7 p.m.

Adult Child (AGES 26-30) Cigna Healthcare:

Your currently enrolled adult child healthcare coverage will continue. You must submit annually proper dependent documentation establishing the eligibility of your adult child. Your completed adult child affidavit and documentation must be received by the enrollment deadline.

If you want to add your newly eligible adult child dependent, please contact the FBMC Service Center 1-855-632-7748, Monday – Friday, 7 a.m. to 7 p.m., ET.

Dependent Verification:

Retirees covering a dependent in their medical, dental, vision, and/or hospital indemnity must submit dependent eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children) for each covered dependent upon request.

  • Dependent Social Security Numbers are required for each covered dependent.
  • Failure to submit this required documentation will result in termination of your dependent coverage.

Please click on the link below for dependent eligibility requirements.

Dependent Documentation
Requirements

Download

Domestic Partner
Eligibility

Download

Affidavit of Domestic
Partner

Download

For questions and/or additional information about your 2027 benefits, please use the below contact information.

FAQ

Eligibility

Do I have to enroll during the 2027 Plan Year Open Enrollment Period?

Can I make a change to my benefits after I have completed my enrollment?

Throughout the Open Enrollment period you can make changes to your enrollment. No changes will be accepted after the deadline unless you experience a qualifying event.

Can I add my dependents during this enrollment period?

Yes. You can add your eligible dependents during this enrollment period. All retirees selecting medical, dental, HIC and/or vision coverage for family must submit dependent eligibility documentation for all covered dependents, if not previously submitted.

Can I enroll my eligible dependent(s) and not cover myself in healthcare benefits plan?

No. You must cover yourself to cover your eligible dependent(s).

What if my eligible dependent is Over 65 and I am Under 65 or vice versa?

The Medicare eligible recipient must enroll in an offered Medicare plan and the non­ Medicare eligible participant must enroll in one of the Cigna (non-Medicare) healthcare plans being offered.

If my dependents and I are both Medicare eligible, can we enroll in different healthcare plans?

Yes. You and your dependent(s) can be enrolled in any of the School Board sponsored Medicare healthcare and Prescription Drug Plans (PDP). Participants currently enrolled in a Prescription Drug Plan (PDP) only may enroll in any of the sponsored Medicare Group Healthcare plans.

Can I cancel my dependents during this enrollment period?

Yes. You can terminate your dependent coverage, but you will not be eligible to re-enroll them until the next open enrollment, unless you have experienced a qualifying Change in Status (CIS) event provided you have maintained your enrollment in a School Board sponsored Healthcare plan.

If I cancel my healthcare coverage could I enroll at a later date?

No. If you cancel your healthcare enrollment, you will never again be offered the opportunity of enrolling in a School-Board sponsored Healthcare plan.

Do I need to complete a new Florida Retirement System (FRS) Payroll Authorization Form?

Yes. To authorize the deduction of your insurance premiums from your monthly FRS benefit check, you must complete and upload the FBMC Payroll Deduction Authorization Form.

If I am Medicare eligible, can I choose to decline Medicare and remain enrolled in a Cigna Plan?

No. If you and/or your eligible dependents are Medicare eligible you cannot elect not to enroll in Medicare. Not enrolling in Medicare while being Medicare eligible means a dis­-enrollment of your Cigna plan.

What happens to my medical plan if I become Medicare eligible during calendar year?

To enroll in Medicare Part B, contact your local Social Security office. According to CMS guidelines, you are required to enroll in a Medicare Product. The Office of Risk and Benefits Management will send you an Over 65 Benefits Package, 60 days prior to the birth month in which you reach age 65 to provide you with the opportunity to enroll in an offered Medicare healthcare plan. You will be automatically dis-enrolled from your Cigna healthcare plan. It is your responsibility to notify us of Medicare entitlement awarded before age 65, if not, this will result in an automatic termination of your Cigna plan.

Do I have to submit dependent documentation for my covered dependents?

Yes. All retirees selecting dependent coverage must submit dependent eligibility documentation for all covered dependents, if not previously submitted. Failure to submit the required dependent eligibility documentation may result in the termination of your dependent’s coverage.

Getting Started

Am I eligible to enroll for benefits as a Retiree?

Retirees determined to be eligible for Cigna healthcare, Medicare Group healthcare and Flexible Benefits plans will receive an Open Enrollment package specific to the benefits for which they are eligible.


If you decide to cancel your healthcare coverage and/or all your Flexible Benefits during this enrollment period, you will not be allowed to re-enroll in any School Board-sponsored plan in the future.