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Open Enrollment Is Here
All elections must be completed by May 15, 2026. If you do not make changes during this period, your current elections will remain in effect for the new plan year.
Plan Year: June 1, 2026 – May 31, 2027
All elections must be completed by May 15, 2026. If you do not make changes during this period, your current elections will remain in effect for the new plan year.
Plan Year: June 1, 2026 – May 31, 2027
It’s time to review your benefits for the upcoming plan year. During open enrollment, you can make changes to your benefit elections and update your covered dependents. Take a few minutes to review your options and make sure your coverage meets your needs for the June 1, 2026 through May 31, 2027 plan year.
Action required this year.
Baptist Health South Florida Federal Credit Union is proud to offer a comprehensive benefits package designed to support you and your family. Your benefits are an important part of your total compensation, and we encourage you to take the time to understand the options available to you.
This guide provides an overview of your benefit plans for the June 1, 2026 through May 31, 2027 plan year, including medical, dental, vision, life and disability insurance, and a range of voluntary benefits. Whether you are a new employee or making changes during open enrollment, you will find the information you need to make informed decisions about your coverage.
If you have questions about your benefits or need help enrolling, your All Atlantic Benefits team is here to help. Please do not hesitate to reach out.
Baptist Health South Florida Federal Credit Union offers a comprehensive benefits package to eligible full-time employees working 30 or more hours per week. Your benefits include medical coverage through AvMed, dental and vision insurance through Mutual of Omaha, employer-paid life, AD&D, and disability coverage, plus a range of voluntary benefits to help protect you and your family.
AvMed — (800) 882-8633 · avmed.org
Four medical plans through AvMed. Three are HSA-qualified plans (0% coinsurance after deductible); the fourth is a copay-based plan. Pharmacy benefits through CVS & Walgreens on all plans.
| Feature | Achieve HSAQ (HMO) | Choice HSAQ CK420 (PPO) | Choice HSAQ CK252 (PPO) | Choice CM245 (PPO) |
|---|---|---|---|---|
| Network | Achieve HMO (In-Network Only) | FL: Choice / Out of State: PHCS | FL: Choice / Out of State: PHCS | FL: Choice / Out of State: PHCS |
| Deductible (EE/Fam) | $5,000 / $10,000 | $5,000 / $10,000 | $2,500 / $7,000 | $2,500 / $5,000 |
| OOP Max (EE/Fam) | $5,000 / $10,000 | $5,000 / $10,000 | $2,500 / $7,000 | $6,350 / $12,700 |
| Coinsurance | 0% after ded | 0% after ded | 0% after ded | 0% after ded |
| PCP Visit | 0% after ded | 0% after ded | 0% after ded | $25 copay |
| Specialist | 0% after ded | 0% after ded | 0% after ded | $50 copay |
| Urgent Care | 0% after ded | 0% after ded | 0% after ded | $50 copay |
| ER | 0% after ded | $0 after ded | $0 after ded | $250 copay |
| Rx | 0% after ded | 0% after ded | 0% after ded | $20 / $30 / $50 / $100 / 50% |
| Preventive Care | 100% | 100% | 100% | 100% |
The three HSAQ plans are compatible with a Health Savings Account (HSA) through Optum Health — see the Tax-Advantaged Accounts section for details.
AvMed SmartShopper — Enrolled in an AvMed plan? Use SmartShopper to compare in-network prices for 100+ procedures and earn cash rewards for choosing high-quality, cost-effective locations. Log in at AvMed.SapphireCareSelect.com or call (866) 285-7453.
Active&Fit Direct — AvMed members get access to 12,200+ fitness centers and 9,700+ on-demand workout videos for $28/month with no long-term contracts. Log in at AvMed.org/Login and click Health and Wellness to get started.
Sam by UCM Digital Health — 24/7 virtual care included free with every medical plan. (844) 484-7362 · sambyucm.com
Download the “Sam by UCM Digital Health” app to get started.
Mutual of Omaha — (800) 827-9197 · mutualofomaha.com/dental
Two dental PPO plans on the Mutually Preferred Dental Network. Preventive care covered at 100% on both plans with deductible waived.
| Feature | DPPO Low | DPPO High |
|---|---|---|
| Individual Deductible | $50 | $50 |
| Family Deductible | $150 | $150 |
| Annual Maximum | $1,000 | $2,000 |
| Preventive (Type 1) | 100% | 100% |
| Basic (Type 2) | 50% | 90% (in) / 80% (out) |
| Major (Type 3) | 25% | 60% (in) / 50% (out) |
| Orthodontia (Type 4) | Not Covered | 50% — adult & child to age 26 |
| Ortho Maximum | N/A | $2,000 |
| Implants | Not Covered | Not Covered |
Mutual of Omaha — (833) 274-4358 · mutualofomaha.com/vision
One vision plan on EyeMed’s Insight Network. Exams, lenses, and frames available every 12 months.
| Feature | Mutual Vision |
|---|---|
| Exam Copay | $10 |
| Materials Copay | $10 |
| Frequency (Exam / Lenses / Frames) | 12 / 12 / 12 months |
| Single / Bifocal / Trifocal Lenses | Covered in full after copay |
| Frames (after copay) | Up to $200 |
| Contacts (Elective) | Up to $200 |
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Employer-Paid Basic Life & AD&D
Baptist Health FCU provides basic life and AD&D coverage at 2x your annual earnings, up to $300,000. Benefits reduce 35% at age 65 and 50% at age 70.
Voluntary Life & AD&D
| Feature | Employee | Spouse | Child(ren) |
|---|---|---|---|
| Increments | $10,000 | $5,000 | Flat $10,000 |
| Maximum | $300,000 | $150,000 (not to exceed 100% of employee amount) | Age 26 (full-time student) |
| Guarantee Issue | Up to $100,000 | Up to $25,000 | N/A |
| Eligibility | — | Coverage terminates at age 70 | 14 days old; employee must elect coverage |
Includes Living Care/Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion.
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Both short-term and long-term disability are employer-paid.
Short-Term Disability
| Feature | Details |
|---|---|
| Elimination Period | 7 days |
| Benefit | 60% of weekly salary, up to $1,500/week |
| Duration | 26 weeks |
| Pre-Existing Period | None |
Long-Term Disability
| Feature | Details |
|---|---|
| Elimination Period | 180 days |
| Benefit | 60% of monthly salary, up to $8,000/month |
| Duration | Residual Benefit Duration to SSNRA |
| Own Occupation | 24 months |
| Pre-Existing Period | 3 months / 12 months |
Optum Bank — (800) 791-9361 · optumbank.com
Available to employees enrolled in one of the three HSAQ medical plans (Achieve HSAQ, Choice HSAQ CK420, or Choice HSAQ CK252). Baptist Health FCU contributes $1,000 per year ($83.33/month) to your HSA.
| Type of Limit | Self-Only | Family |
|---|---|---|
| IRS Annual Maximum (2026) | $4,400 | $8,750 |
| Employer Contribution | $1,000 | $1,000 |
| Your Max Contribution | $3,400 | $7,750 |
| Catch-Up (Age 55+) | $1,000 | $1,000 |
Your HSA is triple tax-advantaged — contributions are pre-tax, earnings grow tax-free, and qualified withdrawals are untaxed. Funds roll over year to year and the account is yours to keep if you change jobs.
Baptist Health South Florida Federal Credit Union offers tax-advantaged accounts to help you save on healthcare expenses. Your payroll deductions for health, dental, vision, and certain supplemental insurance premiums are made on a pre-tax basis under a Section 125 Cafeteria Plan, reducing your taxable income. Employees enrolled in an HSA-qualified medical plan may also take advantage of a Health Savings Account through Optum Health.
Transamerica — (888) 763-7474 · transamericabenefits.com
GAP insurance helps cover out-of-pocket costs not paid by your medical plan, such as deductibles and coinsurance for hospital stays and outpatient procedures.
| Benefit | Maximum |
|---|---|
| Inpatient | Up to $2,500 |
| Outpatient | Up to $2,500 |
| Accident-Only Ambulance | Up to $1,000 |
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Hospital Indemnity pays cash benefits directly to you for hospital stays due to sickness or injury. Complications of pregnancy are included.
| Benefit | Amount |
|---|---|
| Hospital Admission | $1,000 per day |
| Hospital ICU Admission | $2,000 per day |
| Hospital Confinement | $250 per day |
| Hospital ICU Confinement | $500 per day |
| Health Screening | $50 |
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Accident Insurance pays cash benefits for covered injuries resulting from an accident, helping offset out-of-pocket costs like deductibles and copays.
| Benefit | Amount |
|---|---|
| Emergency Care Treatment | $300 |
| Initial Care Visit | $150 |
| Urgent Care | $225 |
| Air Ambulance | $2,000 |
| Ground Ambulance | $600 |
| Hospital Admission | $2,000 |
| Hospital Daily Confinement | $500 per day |
| ICU Confinement | $1,000 per day |
| Fractures & Dislocations | Up to $10,000 |
| Accident Follow-Up (up to 6 per accident) | $150 |
| Health Screening | $50 |
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Critical Illness Insurance pays a lump-sum benefit upon diagnosis of a covered condition. Dependent coverage is contingent on employee enrollment. Rates are based on age and coverage level.
| Coverage | Benefit Amount |
|---|---|
| Employee (Guarantee Issue) | Up to $30,000 |
| Spouse (Guarantee Issue) | Up to $15,000 (not to exceed 100% of employee amount) |
| Child(ren) (Guarantee Issue) | Up to $8,000 (up to 25% of employee amount) |
| Condition | Initial Benefit | Recurrence |
|---|---|---|
| Invasive Cancer | 100% | 100% |
| Non-Invasive Cancer / Cancer In Situ | 25% | 100% |
| Skin Cancer | $500 | $500 (1 per year, 5 max) |
| Heart Attack | 100% | 100% |
| Stroke | 100% | 100% |
| Coronary Artery Disease | 25% minor / 50% major | 100% |
| Major Organ Failure | 100% | 100% |
| End Stage Renal Disease | 100% | None |
Includes a $50 Health Screening benefit.
Preferred Legal Plan — (888) 577-3476 · preferredlegal.com
Full-service legal representation for $13.95/month. Covers your spouse, dependent children, and entire household. Includes unlimited phone consultations, face-to-face attorney meetings, document review, letters and calls on your behalf, credit report analysis, identity theft restoration, simple wills, notary services, and reduced fees for attorney representation. Available 24/7 with tri-lingual attorneys. No long-term contracts — cancel anytime. Portable if you leave employment.
Spot Pet Insurance — (833) 343-2340 · spotpet.link/bhsffcu
Accident, illness, and optional preventive coverage. Customizable annual limit, deductible, and reimbursement rate. Visit any vet in U.S. or Canada. Up to 20% employee discount. Plans starting as low as $9/month.
Baptist Health South Florida Federal Credit Union offers a range of voluntary benefits through Mutual of Omaha to help protect you and your family from unexpected financial burdens. These plans are available to all eligible full-time employees and are employee-paid through payroll deduction.
Calm Health by Optum — Available at no additional cost to employees enrolled in an AvMed medical plan through your behavioral health benefits. Self-paced courses and tools for sleep, stress, anxiety, mindfulness, and resilience. To register, visit calmhealth.onelink.me/cfkt/avmed or scan the QR code in your benefit book. Enter access code avmed, your member ID, name, and date of birth.
Employee Assistance Program (EAP) — Mutual of Omaha · (800) 316-2796 · mutualofomaha.com/eap. Confidential support for personal and work-related challenges, available to all eligible employees.
Full-time employees working 30 or more hours per week are typically eligible for benefits. Eligible dependents generally include your spouse, children under 26 (natural, step, adopted, or under legal guardianship), and adult children over 26 who are unable to support themselves due to disability.
Changes to benefit elections outside of open enrollment require a qualifying life event reported to HR within 30 days:
The current plan year is June 1, 2026 – May 31, 2027. If you're a current eligible employee, your coverage continues throughout the plan year. If you're a new hire, your benefits start after your applicable waiting period of 30 days, and coverage is then effective on the first of the month. See the New Hires section for details on what you'll need to enroll.
If you miss your initial enrollment window, you'll need to wait until the next Open Enrollment — or experience a qualifying life event (marriage, birth, etc.) within the past 30 days. Outside of those windows, mid-year benefit changes generally aren't allowed.
Most carriers offer ID cards through their member portal or mobile app within a few weeks of your enrollment. You can also reach out to the carrier directly using the contact information in the Carrier Directory. If you can't locate yours or have questions, contact your Benefits Team for help.
When your employment ends, your benefits will continue through the end of your termination month or until the date specified by your plan. You may be eligible to continue coverage through COBRA — your HR team will provide details and election forms. Reach out to your HR team for plan-specific information.
For claims questions, contact your carrier directly using the phone number in the Carrier Directory. For help understanding your benefits, deductible status, or what's covered, your Benefits Team can also assist.
Full-time employees working 30 or more hours per week are eligible for benefits upon satisfying the applicable waiting period of 30 days. Coverage is effective on the first of the month following the end of your waiting period.
You have 30 days from your benefits eligibility date to enroll. Missed deadlines require waiting until next open enrollment or a qualifying life event.
Your dedicated enrollment support
| Name | Phone | |
|---|---|---|
| Erica K. ColonHuman Resources | ecolon@bhsffcu.org | (786) 257-2373 |
No carriers match your search.
Transamerica
GAP Insurance
(888) 763-7474
Visit site
GAP insurance — inpatient, outpatient, ambulance
Mutual of Omaha
Dental
(800) 827-9197
Visit site
Dental PPO Low and High plans
Mutual of Omaha
Vision
(833) 274-4358
Visit site
Mutual Vision plan on EyeMed Insight Network
Mutual of Omaha
Life & AD&D
(800) 769-7159
Visit site
Basic and voluntary life, AD&D
Mutual of Omaha
Disability
(800) 769-7159
Visit site
Employer-paid STD and LTD
Spot Pet Insurance
Pet Insurance
(833) 343-2340
Visit site
Up to 20% employee discount
Preferred Legal Plan
Legal
(888) 577-3476
Visit site
Legal plan at $13.95/month
Mutual of Omaha
Employee Assistance Program
(800) 316-2796
Visit site
Confidential support for personal and work-related challenges
Mutual of Omaha
Supplemental
(800) 769-7159
Visit site
Hospital indemnity, accident, and critical illness
