The opt-in form is essentially a pre-enrollment form for retiree coverage.

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When you complete the opt-in form, your elections are sent to the applicable carriers to enroll you in retiree coverage. You are required to submit the opt-in form if you are electing retiree coverage.

If you retire before attaining age 65, you are eligible to participate in the ICUBA BCBS medical plan, Delta dental plan, and EyeMed vision plan that you were enrolled in at the time of your retirement. 

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Retirees can cover their eligible spouse and/or dependents who were covered on their plans at the time of their retirement. 

If you qualify for premium-free Part A, you should enroll when you turn 65. If you have to pay a premium for Part A, you can delay Part A until you (or your spouse) stop working or lose employer sponsored coverage.

You will NOT pay a penalty for delaying Part A, as long as you enroll within 8 months of losing your coverage or stopping work (whichever happens first).

Retiree coverage is active within 10 business days of losing employee coverage. 

You will experience a gap in coverage, but once your coverage is active it will be retroactive from your eligibility date. ICUBA's carriers need about 10 business days to transition your employee profile to a retiree profile. 

If you retire at age 65 or older, you can continue your ICUBA coverage for medical at a higher rate or elect the AmWINS Medicare Supplement.

You, and your eligible dependents , can also continue dental or vision if you were enrolled at the time of your retirement. 

You can delay Part B until you (or your spouse) stop working or lose employer sponsored coverage, and you will NOT pay a penalty for delaying Medicare, as long as you enroll within 8 months of losing your coverage or stopping work (whichever happens first).

Retiree coverage is not considered employer sponsored health insurance.

If you or your spouse are electing the AmWINS Medicare Supplement plans, you will receive new ID cards once your coverage is active.

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If you are continuing with ICUBA plans, your member ID number will remain the same for medical, dental, and vision insurance.

Medicare Part A helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.

Most people will not pay a premium for Medicare Part A and should enroll when they turn 65, even if they have health insurance from an employer. 

Online account access for COBRA and Retiree administration is available at https://cobra.myameriflex.com/. 

Call customer service at (888) 868-3539* or by email at service@myameriflex.com. 

Please note when calling Ameriflex customer service for Retiree coverage, members will need to select the COBRA option from the interactive voice menu. 

Florida SHINE (Serving Health Insurance Needs of Elders) Program provides health insurance information and free counseling assistance to Medicare beneficiaries, their families, and caregivers.

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Find out more online!

Medicare Part B helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

If you or your spouse have employer sponsored insurance, you may be able to delay enrolling in Part B.

Ameriflex administers our Retiree coverage through their COBRA department. You will automatically receive a COBRA notification. Retiree coverage requires you to opt-in/ You do not need to elect COBRA if you are electing retiree insurance.

For more information, visit https://myameriflex.crunch.help/participants/set-up-ameriflex-cobra-account.