View City of Miami Employee Benefits

MEDICAL coverage is through CIGNA Open Access Plus. The coverage also includes alternative medicine, wellness programs, home healthcare and more. 

Deductible:

• Individual $500.00
• Family   $1,000.00

Medical Copayments:

• Primary Care Physician (PCP) Office Visit  $25.00
• Specialist Office Visit $30.00
• Emergency Room $225.00
• Urgent Care  $25.00

Pharmacy:

• Retail Copay (30 Day Supply)  $15.00 / $40.00 / $60.00
• Mail Order Copay (Up To 90 Day Supply)  $0.00 / $80.00 / $120.00
• Individual Out-of-Pocket Maximum (Applies to Retail & Mail Order)  $1,000.00
• Family Out-of-Pocket Maximum (Applies to Retail & Mail Order)    $2,000.00

For premium rates, please click here

DENTAL Cigna 

DHMO:

• In-network coverage only
• Preventive care services – most are covered at low cost or no cost to you.
• Fees you pay your dentist are clearly listed on your Patient Charge Schedule (PCS).
• No deductibles
• No dollar maximums

DPPO:

Deductible (In-Network and Out-Network)

• Individual $100.00
• Family   $300.00
• Calendar Year Maximum (In-Network and Out-Network) $1500.00

We have two types of vision coverage. One is free/embedded in the medical plan.

We also offer the opportunity to enroll in a more comprehensive vision plan. 

A FSA is a spending account provided by your employer that can be used to pay for different types of eligible expenses.

Health Care FSA

Covers eligible health care expenses for you and your covered dependents.

For eligible expenses click here

• Maximum contribution $3,300.00
• Minimum contribution $250.00
• Rollover maximum allowed is $660.00 of unused funds

Dependent Care FSA

Covers eligible expenses for dependents age 12 and under, and disabled dependents of any age. 

• Maximum contribution is $5,000.00
• Minimum contribution is $500.00
• No Rollover

The City's CIGNA Behavioral Health benefits covers anxiety, depression, eating disorders, smoking cessation and more. Coverage includes office visits, outpatient, inpatient, substance use office visit, substance use outpatient, and substance use inpatient. 

Employees pay 0% in-network, 40% out-of-network. 

The City of Miami has consistently maintained a below-market employee contribution premium, without minimizing the richness of its coverage and plan offerings.

Premiums are also pre-taxed - which saves the employee greatly on their contribution. 

For retirees - to receive a monthly premium discount you must have Medicare Part A & B.  Fax a copy of your signed Medicare card to 305-416-1760.

The City of Miami offers several onsite wellness initiatives to promote healthy living. These initiatives are free to employees and eligible dependents, and take place at the Miami Riverside Center (MRC) and other city of Miami locations. These include:

• Free onsite employee health clinic with full time registered nurse
• Employee Assistance Programs (EAP)
• Mammogram checkups
• Health fairs (consultations with chiropractors, optometrists, physical therapists, farmers markets and more).  
• Dental exams
• Vision exams
• Skin Cancer Screenings
• Onsite Cigna Representative to assist with insurance needs
• Wellness challenges with rewards

Your home and work life impacts your health. Our Employee Assistance Program (EAP) provides access to work/life resources, and licensed clinicians. They can help you cope with a wide variety of concerns, from family and financial issues to substance use, emotional health, and stress. EAP services are also available to anyone in your household.

For more information, please view our Guide to Working for the City of Miami or call 1-800-554-6931.

Please view details of our retirement/pension program at Guide to Working for the City of Miami.

Cobra provides employees and their dependents with the right to continue coverage under their current health and dental plan if terminated or other changes occur which result in the loss of coverage. 

• Premiums are paid 100% by the ex-employee 
• Ex-employee is eligible for 18 months of coverage
• Dependents are eligible for 36 months

For premium rates, please click here

• Executives who have elected not to be part of the Miami Pension Program may enroll in The City's 401k, which is employer matched.

• Deferred compensation plan is an additional option for retirement savings. A deferred compensation plan allows you to contribute to a retirement account pre-tax.
  • Enroll at any time through their website
  • Contributions are made through payroll deduction and can be changed at anytime.
  • Pre-tax benefit reduces taxes each pay period.