Your Health Benefits: Coverage, Care, and Support in One Place

Your health matters—and with Florida Blue, you have access to comprehensive medical coverage designed to support your care every step of the way.

Two Plan Options

Choose the plan that best fits your needs:

• BlueCare (HMO) – A High Deductible Health Plan (HDHP) option that pairs with an HSA.
• BlueOptions (Copay Plan) – A traditional copay plan with set visit costs.

What’s Included

• Preventive care is covered at no cost in-network.
• Access to BlueVirtualCare for convenient care options.
• Coverage for doctor visits, urgent care, hospital services, prescriptions, and more.

Personalized Care Experience

With BlueCare (HMO), you’ll select a primary care physician (PCP) to help guide your care and connect you to specialists when needed.

Flexible Access to Care

Coverage includes in-network providers, with options available nationwide depending on your plan.

• Easily find providers through the Florida Blue website or app.

Earn Rewards for Taking Care of You

If you’re enrolled in a DLC medical plan, you can earn gift cards for completing simple wellness activities:

• Health assessment = $10 reward.
• Preventive care visit = $20 reward.
• Registering for BlueVirtualCare = $10 reward.

Whether you're scheduling preventive care, managing your health, or planning ahead, Florida Blue gives you the resources, flexibility, and support you need to stay well.

Taking care of your smile and your vision is an important part of your overall health—and DLC offers affordable dental and vision benefits through Principal to help you stay on top of it.

Vision Coverage (VSP)

Stay on track with your eye health and eyewear needs:

• Annual eye exams with a low copay.
• Coverage for glasses or contact lenses every 12 months with an allowance.
• Discounts on additional glasses, sunglasses, and even LASIK.

Dental Coverage (Principal)

Choose between Low and High Plan options to fit your needs:

• Preventive care like exams, cleanings, and X-rays covered at no cost in-network.
• Coverage for basic services like fillings and root canals.
• Support for major services like crowns, bridges, and more.
• Orthodontia coverage available for children under age 19.

With flexible plan options and coverage for both routine care and more complex needs, these benefits help you maintain your health, prevent issues early, and manage costs.

Life is unpredictable—but your coverage doesn’t have to be. DLC offers voluntary supplemental benefits through Symetra to help provide financial protection when unexpected health events happen.

Accident Insurance

Get added financial support if you experience an accident—on or off the job. Coverage helps with costs related to:

• Hospital and ICU stays.
• Fractures, dislocations, and ambulance services.
• Follow-up doctor visits and more.

Plus, enjoy a $50 annual wellness screening benefit just for staying proactive with your health.

Hospital Indemnity Insurance

Receive cash benefits paid directly to you when you’re admitted to the hospital:

• Lump-sum benefit for hospital or ICU admission.
• Daily payments for hospital or ICU stays.
• No pre-existing condition limitations and guaranteed-issue coverage.
• Includes maternity benefits and a $50 annual wellness screening reward.

Critical Illness Insurance

Get a lump-sum payment if diagnosed with a covered condition such as heart attack, stroke, or cancer:

• Benefit amounts of $10,000 or $20,000 for employees.
• Additional benefits available for spouses and children.
• Includes a $50 annual health screening benefit.

Short-Term Disability

Protect your income if you’re unable to work due to illness or injury:

• Pays 60% of your weekly earnings.
• Benefits can last up to 11 weeks.
• Coverage begins after a 14-day waiting period.

These supplemental benefits are designed to give you extra peace of mind—helping you handle life’s “what-ifs” with more confidence and financial security.

Navigating your benefits doesn’t have to be overwhelming—this section is here to give you the tools, contacts, and quick info you need to feel confident in your coverage.

Understand Key Terms

Get familiar with common benefit terms like deductibles, copays, coinsurance, and out-of-pocket maximums so you can better understand how your plans work.

Eligibility & Enrollment Made Simple

Find out who is eligible for benefits and how to enroll:

• Full-time employees working 30+ hours per week become eligible after 60 days of employment.
• Learn how to enroll, when changes can be made, and what qualifies as a life event.

Who to Contact

Have questions? You’re not alone - support is always available:

• Reach out to HR or trusted partners like Brown & Brown for help navigating your benefits.
• Access direct contact information for all benefit providers, including Florida Blue, Principal, Symetra, TASC, and the EAP.

Whether you’re enrolling for the first time, making updates, or just trying to better understand your benefits, these resources are here to help every step of the way.