Insurance Benefits
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PFFA Retiree Health Benefits
Welcome to the PFFA Healthcare Trust's Open Enrollment for the 2025 plan year. At the PFFA, our commitment is to provide comprehensive and simplified healthcare benefits to support your well-being throughout retirement. This guide covers essential details on the health plans and additional benefits available to retirees and their families.
Why We Offer This Benefit
Crafted by firefighters, for firefighters, our retiree health benefits are designed to proactively address both physical and mental health needs. This ensures our members and their dependents have access to high-quality care and support as they navigate the complexities of post-career healthcare.
Eligibility & Enrollment
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Eligible Members
Retired PFFA members and their dependents, including lawfully married spouses and children up to age 26.
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Individual Retiree Eligibility
Retirees who have left public service in good standing from a fire organization and maintain active IAFF membership are eligible to join the PFFA Healthcare Trust as individual retirees.
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Enrollment Period
Open enrollment runs annually from January 1 to December 31. Changes outside of this period are limited to qualified life events (e.g., marriage, birth, death, change in employment).
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Qualified Life Events
Notify the PFFA within 31 days of any qualified life event to make benefit changes. Contact Don Jongewaard at donj@pffahealth.org for assistance.
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Interested in Joining?
Until the dedicated portal is fully developed, retirees interested in learning more or starting the enrollment process should contact Don Jongewaard at donj@pffahealth.org.
Available Medical Plans
HSA 3300 (Statewide and Alliance)
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Deductibles: $3,300 (individual), $6,400 (family)
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Out-of-Pocket Maximums: $4,000 (individual), $8,000 (family)
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100% coverage after meeting the deductible
Copay 900 (Statewide and Alliance)
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Deductibles: $900 (individual), $1,800 (family)
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Out-of-Pocket Maximums: $3,250 (individual), $6,500 (family)
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Coverage includes copays for services such as office visits, telehealth, and prescriptions
Key Benefits Included
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Preventive Services
Covered at 100%, including routine physicals, immunizations, and screenings.
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Virtual Care
Telehealth options via BlueCare Anywhere for medical and counseling needs.
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Specialist and Inpatient Services
Covered under plan-specific copay or deductible terms.
Additional Benefits
01
Dental and Vision Plans
PPO options with varying coverage levels and annual benefits.
Vision care through MetLife’s VSP network
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Behavioral Health Assistance
Access to up to 12 free counseling sessions annually for members and dependents.
Support provided by Public Safety Crisis Solutions.
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Physical Therapy and Orthopedic Care
Complimentary musculoskeletal services through Solveglobal.
Regenexx procedures covered as in-network alternatives to traditional orthopedic surgeries.
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Cancer Screening
Available through Vincere Cancer Center with screenings tailored to age, gender, and health history.