Retiree Open Enrollment for 2027 Benefits

October 26 to November 30, 2026

Young female doctor touching icon of media screen

This information is for Pinellas County retirees. Employees should refer to Employee Open Enrollment.

Action Needed

  • If you do NOT need to make a change, no action is needed.
  • If you need to make a change, please log in to Workday to complete Open Enrollment by November 30, 2026. See the Retiree Open Enrollment Help Guide and the mailers sent to your home address which have your login and password.
  • If adding a dependent to your insurance benefits, you will need to upload proof of dependency documents to Workday by November 30, 2026. 
  • If a dependent is no longer eligible, you can remove them from your coverage in Workday.

Virtual Information Sessions

  • Register for an information session to learn more and get your questions answered:
    • Medicare-eligible retiree session with UnitedHealthcare - Register to attend one of our virtual Zoom information sessions on Thursday, November 5 from 10:00 a.m. to 12:00 p.m. or on Tuesday, November 10 from 2:00 to 4:00 p.m.  
    • Non-Medicare eligible retiree session with UMR - Register to attend a virtual Zoom information session on Monday, November 2 from 9:30 a.m. to 11:30 a.m.
  • Can’t attend? We will post recorded sessions later.  

In a Nutshell

  • The 2027 Open Enrollment period for Pinellas County retirees is October 26 to November 30, 2026.
  • Open Enrollment is your opportunity to review your current benefit elections and determine if you want to make any changes for the upcoming year. Your selections are effective January 1, 2027.
  • You should have received an Open Enrollment packet in the mail with 2027 premiums and information needed to make an informed decision.

Medical Plans

Medicare: Our Medicare-eligible retirees will be covered by UnitedHealthcare’s Medicare Advantage PPO plan. There are no plan changes in 2027. Pinellas County sent a mailer to your home address which includes new medical plan premiums. You will get a UnitedHealthcare Plan Guide by mail in November. We anticipate that almost all of your current providers will be in the network. To check, visit retiree.uhc.com. Scroll down to the Find a Provider section, click Search the UnitedHealthcare 2027 Network of Providers, enter your city, and type your provider name. You can also call the provider and ask if they accept UnitedHealthcare Group Medicare Advantage (PPO). Also see Medicare Advantage Plan Benefits. ID cards will be mailed in December.

Non-Medicare: Our non-Medicare eligible retirees will continue to be covered by UMR, a UnitedHealthcare company. There are no premium increases in 2027. Pinellas County sent a mailer to your home address which includes premiums. For those on the High Deductible Health Plan with HSA, per IRS guidelines, there are increases in the deductible and contribution limits as shown below. 

High Deductible Health Plan with HSA Changes

High Deductible Health Plan with HSA 2026 2027
Contribution Limit for Retiree Only* $4,400 $4,500
Contribution Limit for Family* $8,750 $9,000
In-Network Annual Deductible   Retiree Only, $1,700
Family, $3,400 		Retiree Only, $1,750
Family, $3,500
Out-of-Network Annual Deductible Retiree Only, $3,400
Family, $6,800 		Retiree Only, $3,400
Family, $6,800
In-Network Out-of-Pocket Maximum (medical and Rx)  Retiree Only, $3,400
Family, $6,800 		Retiree Only, $3,400
Family, $6,800
Out-of-Network Out-of-Pocket Maximum (medical and Rx)  Retiree Only, $6,800
Family, $13,600 		Retiree Only, $6,800
Family, $13,600

* Includes Pinellas County contribution of $500 or $1,200 (Age 55+ catch up contribution remains at an additional $1,000):

Dental Plans

Cigna will continue to administer the retiree dental plans. There are rate increases for the HMO plan in 2027.

2027 Retiree Monthly Dental Premiums

Plan Retiree Only Retiree + 1 Retiree + 2 or more
Dental PPO Basic $43.41 $84.00 $132.76
Dental PPO with Orthodontia $45.65 $88.31 $139.59
Dental HMO Plan
(only available to Florida residents) 		$7.53 $10.77 $15.10

To compare the plans, view a Quick Comparison Chart.

  • If you are enrolled in one of our dental plans, you may switch plans or make a change to your covered dependents.
  • If you are not enrolled in a dental plan, you may not elect coverage now.
  • Continue to use your current ID card. New cards will not be issued even if you switch plans.
  • For information on the dental plans and the provider networks, contact Cigna at www.mycigna.com or call (800) 862-3557.

Other Benefit Plans

  • Life Insurance: Securian Financial will continue to administer the retiree life insurance program. There are no plan changes or rate increases for 2027. You may decrease your amount of life insurance coverage at any time. However, increases or new enrollment in coverage are not permitted. Please review your beneficiary information and log into Workday if updates are needed.
  • Prescription:
    • For Medicare Advantage PPO members, UnitedHealthcare is the administrator for prescription coverage. The premium is included in your Medicare Advantage rate, but you will have a separate prescription card.
    • For Non-Medicare (Pre-65) members, Express Scripts is the administrator for prescription coverage. There are no plan changes or rate increases for 2027.
  • Vision: EyeMed will continue to administer the retiree vision plan. You pay no additional premium for vision benefits which are included in your medical premium. There are no plan changes.

Domestic Partner

If you enroll a domestic partner in Workday, you will receive a digital (non-notarized) Domestic Partner Affidavit Form in your Workday My Tasks inbox to complete after you submit your enrollment.

Benefits Navigation

FEDlogic can provide free expert advice to navigate and maximize federal and state benefits such as Social Security and Medicare. The service is confidential, unlimited, and free to retirees and your household members.

Questions

  • Medicare Counseling
    • SHINE (Serving Health Insurance Needs of Elders) offers free health insurance counseling to current and prospective Medicare beneficiaries at local libraries and community centers.
      (800) 963-5337, option 3
      www.floridashine.org
  • Non-Medicare (pre-65) and Traditional

10/28/26