Benefits

Retiree Medical/Dental

Miami-Dade County offers continuation of group medical, dental and basic life insurance benefits to all employees who retire from Miami-Dade County with a retirement code of EG or EI, and at least 6 years of active County service. You are eligible to participate in the County's Retiree Insurance Group if enrolled for coverage in one of the County's Group plans or the Fire Union-sponsored plan at the time of your retirement. You may elect to change your medical and/or dental plan at the point of retirement, provided your application is received within 30 days of your retirement date.

If you wish to continue coverage as a retiree for Medical, Dental, and/or Life Insurance Plans, contact the Retiree Section of the Benefits Administration Unit of the Risk Management Division, General Services Administration Department at (305) 375-4288 to request the retiree informational packages and application form. Contact the Fire Union office if you wish to continue participation in the Fire Union-sponsored plan. You may also set up an appointment to meet with one of the Insurance Benefits Specialists. Your application, to continue coverage should be received in the Benefits Administration Unit for processing at least 2 weeks prior to your retirement. Applications received more than 30 days after the retirement date will not be accepted. The County does not contribute to the cost of retiree premiums. Full cost is the responsibility of the retiree and subject to annual increases. 

The following Medical/Dental Insurance plans are available for retirees and/or eligible dependents under age 65:  

Medical Plans

• AvMed Point of Service (POS) - (AvMed encourages but does not require
  the selection of a primary care physician (PCP). No referrals are required to
  receive covered medical services from participating specialists)
• AvMed High Option HMO (AvMed encourages but does not require the
  selection of a primary care physician. No referrals are required to receive
  covered medical services from participating specialists)
• AvMed Low HMO (Employees are required to select a PCP for each person
  to be enrolled. Referrals, from the PCP, are required to receive covered
  medical services from participating specialists)
• JMH High Option HMO (Employees are required to select a PCP for each
  person to be enrolled. However, no referrals are required to receive covered
  medical services from participating specialists)
• JMH Low Option HMO (Employees are required to select a PCP for each
  person to be enrolled and referrals are required to receive covered medical
  services from participating specialists)

A Point of Service (POS) plan allows you to receive services from an in network or out-of-network provider of your choice. If you choose an out-ofnetwork physician, your healthcare services will be subject to the plan
deductible and co-insurance provisions.

A Health Maintenance Organization (HMO) provides a wide range of healthcare services to you on a prepaid basis. Under this plan, you receive medical services at no cost or for moderate co-payments without deductibles or claim forms.
Union Plan: Members of the DCFF fire union may be eligible for coverage in their Union-sponsored plan. Contact your Union office for further details. You may choose the plan that best suits your needs:

• Delta Plan Details Standard or Enriched dental plan
• Delta Dental
  Here are some of the services, the enrollees would have access to:
  • Locate an in-network dentist
  • Know what’s covered before you go to the dentist
  • Track claims online
• American Dental Plan details Standard or Enriched prepaid plan
  American Dental Plan
• OHS Plan details Standard or Enriched prepaid plan
• Oral Health Services 
  Retirees under 65 (and eligible dependents under 65) are eligible to receive the same level of medical, dental and basic life insurance benefits offered to active employees, to the age of 65. Medical/Dental Insurance plan available for retirees and/or eligible dependents age 65+ are as follows: (You must enroll for Medicare Part B)

• AvMed Medicare Plan (HMO)
• JMH Health Plan * (not Medicare approved) 

If you and/or your spouse are 65 years or more, you and/or your spouse are responsible for enrolling in Medicare part B through the Social Security Administration prior to you retirement. Otherwise, you will pay the under 65 rate for retiree medical insurance until you and/or your spouse are approved for Medicare.

• Click here for frequently asked questions (FAQ's) on retiree insurance.

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