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Retiree Annual Enrollment for 2026 Benefits

November 1 to November 30, 2025

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This information is for Pinellas County retirees (the Annual Enrollment period for employees ended on November 17).

Virtual Information Sessions

In a Nutshell

  • The 2026 Annual Enrollment period for Pinellas County retirees is November 1 to 30, 2025.
  • Annual 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, 2026.
  • You will be receiving an Annual Enrollment packet in the mail with 2026 premiums and information needed to make an informed decision.

Action Needed

Medical Plans

Medicare: Our Medicare-eligible retirees will continue to be covered by Aetna’s Medicare Advantage PPO plan. There are some plan changes in 2026. See the Aetna Notice of Changes mailed to your home address for details. Pinellas County sent a mailer to your home address which includes new medical plan premiums.

Non-Medicare: Our non-Medicare eligible retirees will continue to be covered by UMR, a UnitedHealthcare company. There are no premium increases in 2026. 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, out-of-pocket maximum, and contribution limits as shown below. Teladoc virtual care will offer expanded coverage including the Primary360 program which offers primary doctors as well as specialists and mental health professionals.

High Deductible Health Plan with HSA Changes

High Deductible Health Plan with HSA 2025 2026
Contribution Limit for Retiree Only* $4,300 $4,400
Contribution Limit for Family* $8,550 $8,750
In-Network Annual Deductible   Retiree Only, $1,650
Family, $3,300 		Retiree Only, $1,700
Family, $3,400
Out-of-Network Annual Deductible Retiree Only, $3,300
Family, $6,600 		Retiree Only, $3,400
Family, $6,800
In-Network Out-of-Pocket Maximum (medical and Rx)  Retiree Only, $3,000
Family, $6,000 		Retiree Only, $3,400
Family, $6,800
Out-of-Network Out-of-Pocket Maximum (medical and Rx)  Retiree Only, $4,200
Family, $8,400 		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 no rate increases for 2026.

2026 Retiree 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) 		$7.17 $10.26 $14.38

The PPO plans now offer expanded coverage for sealants up to age 19 instead of age 12 and porcelain crowns (2nd and 3rd molars).

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 2026. 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 use the 2026 Annual Enrollment Change Form if updates are needed.
  • Prescription: For Medicare Advantage PPO members, Aetna is the administrator for prescription coverage. For Non-Medicare (Pre-65) members, Express Scripts is the administrator for prescription coverage. There are no plan changes or rate increases for 2026.
  • 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 except some enhancements, e.g. expanded frame and contacts allowances up to $150 and preferred provider discounts up to 90%.

Affidavits

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

11/18/25