BENEFITS GUIDE

City of St. Petersburg, Florida 2026 - 2027

2 City of St. Petersburg

Table of Contents

Introduction & Eligibility 3

Contact Information 4

Qualifying Life Events 5

Health and Wellness 6

HEALTH BENEFITS

Medical Plan Features 7-8

Medical Plan Overview 9

Health Reimbursement Accounts 13

Medical Plan Comparison & Payroll Deductions 10-14

Dental Benefits & Payroll Deductions 15

Vision Benefits & Payroll Deductions 16

Employee Assistance Program 17

Flexible Spending Accounts 18

FINANCIAL BENEFITS

Life Insurance 19-20

Frequently Asked Questions & Other Programs 21-22

3 City of St. Petersburg

Introduction

Welcome to the City of St. Petersburg Benefits! We offer a comprehensive benefits package designed to support your health, well-being, and financial security. Our Benefits Guide simplifies the enrollment process, making it easy for you to understand your options, whether you're new to benefits or a seasoned enrollee. The guide covers medical, dental, and vision plans, wellness programs, retirement savings, life insurance, and additional perks like flexible spending accounts and employee assistance programs. If you need help, our HR team is available by phone, email, or in person at the MSC Building. We’re here to support you in making the best choices for you and your family. Happy Enrolling!

Eligibility Employee Eligibility

Full-time and full-time temporary employees are eligible for benefits effective the first day of the month nearest 60 days of employment.

Part-time employees who average more than 30 hours per week over a continuous 12-month period may be eligible to enroll in one of the City’s Medical Plans.

Dependent Eligibility — A dependent is defined as the covered employee’s legal spouse or a dependent child of the employee or the employee’s spouse. Dependent children may be covered through the end of the calendar year in which they turn age 26.

Medical Coverage Under certain conditions, dependent children may qualify for medical coverage up to age 30.

A dependent child includes:

· Natural children

· Stepchildren

· Legally adopted children

· Children placed for adoption

· Children for whom legal guardianship has been awarded to the employee or the employee’s spouse

· Unmarried children of any age who become mentally or physically disabled before reaching the age limit

Note: Florida Statute 627.6562 - Dependent Coverage: Health insurance coverage may be available for dependents ages 26 to 30. Please contact the Benefits Division for more information at benefits@stpete.org mailto:benefits@stpete.org

4 City of St. Petersburg

Contact Information

If you have specific questions about a benefit plan, please contact the administrator listed below, or your local human resources department.

RESOURCE/SERVICE PROVIDER CONTACT SOURCE DETAILS

UnitedHealthcare (Medical Plans) Group #718124

On-Site Representative

Member Services Website

Lauren Gibson 727-893-7911 1-800-377-5154 myuhc.com

Humana – DENTAL Group #782141

Member Services Website

1-800-979-4760 humana.com

Humana – VISION Group #782141

Member Services Website

1-877-398-2980 humana.com

Ameriflex

(FSA/DCA)

Employer Code:

AMFCTYPET

Services team is available Monday – Friday: 7: AM to 8:00 PM CST and Saturday:

9:00 AM to 1:00 PM CST.

Call: 888-868-3539 Email: service@myameriflex.com Live Chat: myameriflex.com

The Standard Life Insurance Company (Basic Life, Supplemental Life & AD&D) Policy #631957-1

Member Services Website

1-800-325-5757 standard.com

ULLIANCE (EAP) Call Website

1-800-448-8326 LifeAdvisor.com

Health and Wellness Center Call 727-553-7474

Benefits Division Call Email

727-893-7279 or 727-893-7819 benefits@stpete.org

Pension Division Call Email

727-893-7367 Pension@stpete.org http://www.humana.com/ http://www.humana.com/ mailto:service@myameriflex.com http://www.standard.com/ mailto:benefits@stpete.org mailto:Pension@stpete.org

5 City of St. Petersburg

Qualifying Life Events – Read Carefully

Section 125 of the Internal Revenue Code

Premiums for medical, dental, vision coverage, and contributions to Flexible Spending Accounts (FSAs) are deducted from your pay through a Cafeteria Plan established under Section 125 of the Internal Revenue Code. These deductions are made on a pre-tax basis to the extent allowed by law. Under Section 125, any changes to your pre-tax benefits can only be made during the open enrollment period, unless you or your eligible dependents experience a qualifying event. If a qualifying event occurs, you must request a change within 30 days of the event.

When Changes Are Allowed

You may change your benefit elections only if you experience a Qualifying Life Event (QLE) and act within 30 days of the event.

Common Qualifying Life Events

Qualifying Life Events include, but are not limited to:

· Marriage

· Divorce

· Birth, adoption, or legal custody of a child

· Loss of other group insurance coverage

· Death of a dependent

· Spouse’s Open Enrollment

Your Responsibility – Action Is Required If you experience a Qualifying Life Event, it is your responsibility to take action within 30 days.

Marriage or Adding a Child To make changes for marriage or adding a child:

1. Submit your benefit changes through your Oracle Self-Service

2. Provide all required documentation to the Benefits Division within 30 days Examples: marriage certificate, birth certificate, adoption papers

All Other Qualifying Life Events For all other Qualifying Life Events, you must contact the Benefits Office directly within 30 days.

IMPORTANT NOTES! If notification and/or required documentation is not received within 30 days of the event, you and your dependents will not be eligible to enroll or make changes.

Failure to review and act on your benefits does not extend deadlines or create exceptions.

City of St. Petersburg Health and Wellness Center

The City of St. Petersburg Health & Wellness Center, offers all eligible employees a full-service primary care facility led by Dr. Israel Wojnowich, a Board-Certified Family Practice Physician.

Services provided at the Center, including the dispensing of certain prescription drugs, is provided at NO

COST.

Dependents age 14 and over must be covered by the City’s Group Medical Plan in order to use the Wellness Center.

Note: Any services provided outside the center due to a referral are subject to any applicable copays, deductibles, and co-insurance under your respective medical plan.

Appointments are required to schedule please call (727) 553-7474.

Employees will be given 1 hour during their workday to attend a schedule appointment; you MUST let your supervisor know.

Hours of Operation: Monday—Friday 8:00 am to 5:00 pm. Closed daily from 12:00pm-1:00pm for lunch.

The Health and Wellness Center is located at: 603 7th St. Suite 350 St. Petersburg, FL 33701.

Bayfront Health MyChart

Communicate with your doctor. Stay connected to your healthcare with Orlando Health MyChart.

Manage appointments, access test results,—for yourself and your approved appointees. Sign up for MyChart by visiting https://mychart.bayfrontstpete.com

6 City of St. Petersburg https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/ https://mychart.bayfrontstpete.com/

Medical Plan Features

UnitedHealthcare Virtual Visits (Must be enrolled in one of the medical plans)

A virtual visit lets you see and talk to a doctor from the comfort of your home or office. Virtual visits are designed to provide treatment for non-emergency medical conditions. Appointments can take place by mobile device or computer. Most visits take about 10-15 minutes. Doctors can also write prescriptions, if needed, for pick up at your local pharmacy. Virtual visits are administered by UnitedHealthcare. Primary care copays apply. To learn more about Virtual Visits, go to uhc.com/virtualvisits.

Nurse line (Provided by UHC) Connects you to a Registered Nurse 24 hours/7days a week by calling: 1-877-365-7949.

Nurseline can:

• Assist in managing a chronic condition and assessing treatment options

• Identify UntiedHealth Premium designation program providers and help schedule appointments

• Provide coaching on medication adherence, drug interactions or medication alternatives

• Preventive care information and healthy lifestyle coaching

Lab Tests Laboratory tests can be completed at a LabCorp or Quest Diagnostics facility. To find a facility visit labcorp.com or questdiagnostics.com.

UHC Premium Program Identifies in-network doctors and hospitals who demonstrate adherence to quality and cost efficiency standards based on evidence-based medicine. A premium-designated doctor will have a lower copay than other specialists.

UnitedHealthcare Mobile Application Whether you are traveling or just away from home, the UnitedHealthcare app keeps your health information within reach, wherever you go. The myuhc.com mobile app - makes it easier to manage your UnitedHealthcare health plan. Use the app to find a doctor, access your ID card, view claims, find pharmacies, and fill prescriptions. Download for free on the Apple iTunes App Store® and/or the Android® Market.

7 City of St. Petersburg https://www.uhc.com/member-resources/telehealth-virtual-care/virtual-visits http://www.uhc.com/virtualvisits http://www.labcorp.com/ http://www.questdiagnostics.com/ http://www.myuhc.com/

Medical Plan Features

Find Care & Costs Access the UHC Find Care tool at myuhc.com or on the UnitedHealthcare app. This tool allows you to research the care you need and get an average cost estimate for medical services. You can compare different network providers in terms of cost and quality and get a personalized out of pocket cost estimate.

Mail Order Pharmacy You can order up to a three-month supply of medication that you take regularly and get it delivered right to your home. This not only saves you a trip to the pharmacy, but you will usually see a savings on your out-of-pocket costs. Use the UnitedHealthcare app, go to myuhc.com or call the number on your ID card to get started.

Prescription Drug List You can find the PDL under the Pharmacies & Prescriptions section of myuhc.com.

In & Out-of-Network Benefits If you enroll in the Choice Plus, Choice HDP or HDP Basic plans you may use out-of-network providers for care. However, keep in mind that you will typically pay higher costs for out-of-network care. Your care is also subject to balance billing. Balance billing is when you are responsible for out-of-network charges greater than the UHC allowable amount. An out-of-network provider can charge you over and above what UHC considers their allowable amount. When possible, seek care in the UHC network.

8 City of St. Petersburg http://www.myuhc.com/

Medical Plan Overview

The City of St. Petersburg is providing four (4) plan options through UnitedHealthcare.

The plans offered are the, the High-Deductible Plan (Basic Plan), Choice High-Deductible Plan (HDP) with HRA, the Choice EPO and the Choice Plus PPO Plan.

The Choice EPO Plan is an in-network only plan. By using In-network providers, you may have a greater coverage of benefits and lower out-of-pocket expenses.

You can locate a physician by visiting UHC’s website at myuhc.com or you can contact UnitedHealthcare member services. To review the covered list of prescription medications, please log on to myuhc.com.

Explanation of Plan Year Deductible and Plan Year Out-of-Pocket Maximum

Plan Year Deductible

The Plan Year Deductible is a specified dollar amount that you must pay if you use certain covered services.

The deductible resets every plan year. There are individual and family deductibles. Once an individual or a family deductible has been satisfied, coinsurance and/or copays may still apply. Coinsurance is your share of the costs of a health care service, and it is the amount you pay after the deductible has been met.

Plan Year Out-of-Pocket Maximum

The Plan Year Out-of-Pocket Maximum is the total amount of covered expenses, (including deductibles, coinsurance, and copayments) paid by you, either individually or combined as a covered family.

After the individual and/or family out-of-pocket maximum has been satisfied in a plan year, payment for in-network covered services for the covered individual/family will be payable by the plan at the rate of 100% for the remainder of the plan year, subject to any other terms, limitations, and exclusions.

9 City of St. Petersburg

Medical Benefits

Benefit Details CHOICE PLUS (PPO)

Network Access In-Network Out-of-Network

Plan Year Deductibles (PYD) Your Responsibility

Individual / Family $1,000 / $2,000 $2,000 / $4,000

Your Plan Benefit Details Your Responsibility

Coinsurance (when applicable) 10% 30%

Individual / Family Out-Of-Pocket Maximum* $3,500 / $7,000 $7,000 / $14,000

Professional Services Primary Care Physician (PCP) Office Visits $30 Copay 30% After PYD

Specialist Office Visits $45 Copay - Premium

Designated Provider $60 Copay - Other

30% After PYD

Preventive Care Visits No Charge 30% After PYD

Hospital Services

Inpatient Hospitalization $300 Copay per day up to 5 days then 10% After PYD

$300 Copay per day up to 5 days then 10% After

PYD

Outpatient Hospitalization 10% After PYD 30% After PYD

Urgent Care Center $50 After PYD 30% After PYD

Emergency Room (copay waived if admitted) $300 Copay After PYD

Independent Lab/ X-Ray, MRI, MRA, CT & PET Scans 10% After PYD 30% After PYD

Pharmacy Annual Rx Deductible $200 Individual / $400 Family Tier 1 $15 Copay $15 Copay Tier 2 $35 After RxDed $35 After Rx Ded Tier 3 $70 After RxDed $70 After Rx Ded

Specialty Drugs 25% After RxDed N/A

Mail Order Pharmacy (90 Day Supply) $45/$105/$150 (Tier 2 & 3 Copay After Rx Ded) Not Covered

*Out-of-Pocket Maximum includes Plan Year Deductible (PYD), Copays, Coinsurance and Rx

(24) Payroll Deductions - Effective 4/1/2026

Choice Plus Total Premium City

Contributions

Monthly Employee Deduction

Twice Monthly Employee Deduction

COBRA

Premium

Single $1,115.14 $836.35 $278.79 $139.40 $1,137.44

Two Person $2,252.66 $1,689.50 $563.16 $281.58 $2,297.71

Family $3,122.52 $2,341.89 $780.63 $390.32 $3,184.97

10 City of St. Petersburg

Benefit Details CHOICE EPO

Network Access In-Network

Plan Year Deductibles (PYD) Your Responsibility

Individual / Family $1,000 / $2,000

Your Plan Benefit Details Your Responsibility

Coinsurance (when applicable) 0%

Individual / Family Out-Of-Pocket Maximum* $3,500 /$7,000

Professional Services

Primary Care Physician (PCP) Office Visits $30 Copay

Specialist Office Visits $45 Copay - Premium Designated Provider $60 Copay - Other

Preventive Care Visits No Charge

Hospital Services

Inpatient Hospitalization $300 Copay per day up to 5 days After PYD

Outpatient Hospitalization 0% After PYD

Urgent Care Center $50 Copay After PYD

Emergency Room (copay waived if admitted) $300 Copay After PYD

Independent Lab/X-Ray No Charge

MRI, MRA, CT & PET Scans 0% After PYD

Pharmacy

Annual Rx Deductible $200 Individual / $400 Family

Tier 1 $15 Copay

Tier 2 $35 After Rx Ded

Tier 3 $70 After Rx Ded

Specialty Drugs 25% After Rx Ded

Mail Order Pharmacy (90 Day Supply) $45/$105/$150 (Tier 2 & 3 Copay After Rx Ded)

(24) Payroll Deductions - Effective 4/1/2026

Choice EPO Total Premium

City Contributions

Monthly Employee Deduction

Twice Monthly Employee Deduction

COBRA

Premium

Single $1,007.46 $755.60 $251.86 $125.93 $1,027.61

Two Person $2,166.07 $1,624.55 $541.52 $270.76 $2,209.39

Family $2,851.12 $2,138.34 $712.78 $356.39 $2,908.14

11 City of St. Petersburg

Benefit Details CHOICE HIGH-DEDUCTIBLE PLAN (HDP WITH HRA*)

Network Access In-Network Out-of-Network

Plan Year Deductibles (PYD) Your Responsibility

Individual / Family $2,000 / $4,000 $4,000 / $8,000

Your Plan Benefit Details Your Responsibility

Coinsurance (when applicable) 10% 30%

Individual / Family Out-Of-Pocket Maximum* $4,000 / $8,000 $8,000 / $16,000

Professional Services

Primary Care Physician (PCP) Office Visits $30 Copay 30% After PYD

Specialist Office Visits $45 Copay - Premium Designated Provider $60 Copay - Other

30% After PYD

Preventive Care Visits No Charge 30% After Ded

Hospital Services

Inpatient Hospitalization $300 Copay per day up to 5 days then 10% After PYD

$300 Copay per day up to 5 days then 30% After PYD

Outpatient Hospitalization 10% After PYD 30% After PYD

Urgent Care Center $50 After PYD 30% After PYD

Emergency Room (copay waived if admitted) $300 Copay After PYD

Independent Lab/ X-Ray, MRI, MRA, CT & PET Scans 10% After PYD 30% After PYD

Pharmacy

Annual Rx Deductible $200 Individual / $400 Family

Tier 1 $15 Copay $15 Copay

Tier 2 $35 After RxDed $35 After Rx Ded

Tier 3 $70 After RxDed $70 After Rx Ded

Specialty Drugs 25% After RxDed N/A

Mail Order Pharmacy (90 Day Supply) $45/$105/$150 0% After PYD Not Covered

Choice High- Deductible Plan Total Premium City Contributions

Monthly Employee Deduction

Twice Monthly Employee Deduction

COBRA

Premium

Single $867.70 $650.76 $216.94 $108.47 $855.05

Two Person $1,865.56 $1,399.18 $466.38 $233.19 $1,902.87

Family $2,455.62 $1,841.72 $613.90 $306.95 $2,504.73

* Consult page 11 for additional information regarding the Health Reimbursement

(24) Payroll Deductions - Effective 4/1/2026

12 City of St. Petersburg

Health Reimbursement Accounts

If you enroll in the Choice HDP, you will also have a Health Reimbursement Account.

The Health Reimbursement Account is funded by the City to help offset your out-of-pocket medical costs. There is no requirement that the account be pre-funded, and the funds remain in control of the City until an eligible reimbursement claim is submitted. Your account will automatically be funded with $250 each plan year.

When you are enrolled in the Choice HDP, you can increase the funding by completing wellness activities as follows:

• Taking a Health Risk Assessment at myuhc.com = $125

• Receive a Biometric Screening by your physician or at the Wellness Center and submit the biometric completion form to the Benefits Office = $200

• Attest to being tobacco free and submit a form to the Benefits Office = $125

All forms must be completed and submitted to Benefits by 12/31/2026, to receive funds for The 2026 Plan Year.

All forms can be found on the City Intranet/Internet.

If you have a dependent covered under the Choice HDP additional wellness incentive dollars can be earned.

The maximum contribution for an employee with single coverage is $700, and for an employee with employee and spouse or child coverage, the maximum amount is $1,150 (only spouses are required to complete the wellness activities).

Funds can be used to offset any deductibles and coinsurance you are responsible for. If you do not use all your HRA funds in the plan year, funds from the immediate prior plan year, will rollover up to a maximum of $2,300 ($700 for you and $450 for covered dependent).

See “Understanding the Choice HDP“ brochure for details. The HRA only applies to the Choice HDP Plan

13 City of St. Petersburg

Benefit Details HIGH-DEDUCTIBLE PLAN (BASIC)

Network Access In-Network Out-of-Network

Plan Year Deductibles (PYD) Your Responsibility

Individual / Family $5,000 / $10,000 $15,000 / $30,000

Your Plan Benefit Details Your Responsibility

Coinsurance (when applicable) 0% 30%

Individual / Family Out-Of-Pocket Maximum* $5,000 / $10,000 $15,000 / $30,000

Professional Services

Primary Care Physician (PCP) Office Visits 0% After PYD 30% After PYD

Specialist Office Visits 0% After PYD 30% After PYD

Preventive Care Visits 0% After PYD No Charge 30% After PYD

Hospital Services

Inpatient Hospitalization / Outpatient Hospitalization 0% After PYD 30% After PYD

Urgent Care Center 0% After PYD 30% After PYD

Emergency Room (copay waived if admitted) 0% After In-Network PYD

Independent Lab/ X-Ray, MRI, MRA, CT & PET Scans 0% After PYD 30% After PYD

Pharmacy

Annual Rx Deductible N/A N/A

Tier 1 0% After PYD 30%

Tier 2 0% After PYD 30%

Tier 3 0% After PYD 30%

Specialty Drugs 0% After PYD 30%

Mail Order Pharmacy (90 Day Supply) 0% After PYD 30%

High-Deductible Plan (Basic) Total Premium City Contribution

Monthly Employee Deduction

Twice Monthly

Employee Deduction

COBRA

Premium

Single $688.93 $516.69 $172.24 $86.12 $702.71 Two Person $1,481.21 $1,110.91 $370.30 $185.15 $1,510.83 Family $1,949.68 $1,462.26 $487.42 $243.71 $1,988.67

Medical Benefits

*Out-of-Pocket Maximum includes Plan Year Deductible (PYD), Copays, Coinsurance and Rx.

(24) Payroll Deductions - Effective 4/1/2026

14 City of St. Petersburg

Dental Benefits

Humana is our exclusive dental carrier. You will have a choice of electing the DHMO or PPO Plan. The DHMO plan offers In-Network covereage only you must select a Primary Care dentist.

The PPO plan provides both In-Network and Out-of-Network coverage. With the PPO Plan, you minimize your out-of-pocket expenses when you seek care from a dental provider contracted with Humana. Plan includes 3 routine cleanings per calendar year, and white composite fillings are covered.

When you choose a dentist outside of the Humana PPO Network, your out-of-pocket costs will be higher, and you may be subject to balance billing* for provider fees that exceed the contracted amount allowed by Humana.

You can locate In-Network dental providers by calling 800-979-4760 or by visiting Humana.com. If you did not enroll in the PPO plan when you were initially eligible, you are considered to be a late entrant and there will be a 12-month waiting period for Basic and Major services.

* The DHMO HS195 requires a facility code to be entered into Oracle Self-service only during your first enrollment, thereafter you must Contact Humana directly to update your facility ID and/or provider.

Plan Type DHMO * PPO

Network Access In-Network In-Network Out-of-Network

Plan Year Maximum (PYD) Exclusive of Orthodontia

N/A Unlimited

Your Responsibility Your Responsibility Your Responsibility

Individual /Family Deductible N/A $50 / $150

Dental Description

Preventative Class I See Schedule of Benefits No Charge 10%

Basic Class II See Schedule of Benefits 15% After PYD 30% After PYD

Major Class III See Schedule of Benefits 45% After PYD 50% After PYD

Orthidontia Children to 19 years

Benefit Child / Adult:

$2,185 + monthly adjustment fees

Benefit 50% / Lifetime Max:

$2,000

*Out of Network Benefits subject to Balance Billing for charges over the reimbursement schedule

DHMO Plan Total Premium Monthly

Twice Monthly Employee Deduction COBRA Premium

DHMO - Single $17.28 $8.64 $17.63

DHMO - Two Person $30.22 $15.11 $30.82

DHMO - Family $47.52 $23.76 $48.47

DPPO Plan Total Premium Monthly

Twice Monthly Employee Deduction COBRA Premium

DPPO - Single $33.15 $16.58 $33.81

DPPO - Two Person $70.28 $35.14 $71.69

DPPO - Family $108.52 $54.26 $110.69

15 City of St. Petersburg http://www.humana.com/

BASIC PLAN

Network Access In-Network Out-of- Network

Routine Eye Exam $0 Copay $30 Allowance

Frequency 12 Months

Materials Lenses Discounts available through participating providers

VISION PAYROLL CONTRIBUTIONS

Basic Plan Total

Premiu m

Monthly

Twice Monthly

Employee Deduction

COBRA

Premium

Basic Single

$0.92 $0.46 $0.94

Basic -Two Person $1.40 $0.70 $1.43

Basic Family

$2.33 $1.17 $2.38

High Plan

Total Premiu m Monthly

Twice Monthly

Employee Deduction

COBRA

Premium

High - Single $5.79 $2.90 $5.90

High - Two Person $11.53 $5.76 $11.76

High - Family $15.42 $7.71 $15.73

HIGH PLAN

Network Access In- Network Out-of-

Network

Routine Eye Exam

$10 Copay

$30 Allowance

Frequency 12 Months

Materials Lenses (Standard plastic)

Single Vision

$15 Copay

$25 Allowance

Bifocals $15 Copay

$40 Allowance

Trifocals $15 Copay

$60 Allowance

Frequency 12 Months

Frames

Frames $130 Allowance

$65 Allowance

Frequency 12 Months

Contacts ( In Lieu of Glasses)

Lenses $135 Allowance $104 Allowance

Medically Necessary Contacts No Charge

$200 Allowance

Frequency 12 Months

Vision Benefits

Your vision is important to your health. Whether your vision is 20/20 or less than perfect, everyone needs to take good care of their eyes.

The Humana vision Basic and High Plans are being offered as a part of the City of St. Petersburg’s commitment to your well-being. The Humana Vision Plans provide affordable quality vision care nationwide. Through Humana’s provider network, you can obtain a comprehensive routine vision examination, as well as eyeglasses (lenses and frames), or contact lenses.

Carefully review the vision care plan summary provided and take advantage of this very important benefit.

You can call Humana’ s Customer Service Center at 1-877-398-2980 or visit Humana.com to answer questions you may have regarding contracted providers and covered services.

16 City of St. Petersburg http://www.humana.com/

17 City of St. Petersburg

Ulliance Employee Assistance Program (EAP)

Getting Help is easy with your EAP!

The premium for this program is fully paid by the City of St. Petersburg and available to you and your dependents 24 hours a day/7 days a week. Call 800-448-8326 or visit LifeAdvisor.com

Services provided include:

• Coaching, help and support for your goals

• General Counseling for stress, depression, family issues, substance abuse, childcare, work life services, educational resources, marriage counseling and elder care resources

• Wellness assistance for smoking cessation, weight loss and exercise among others

• Financial Planning resources such as investment plans, estate planning, debt reduction, retirement planning, bankruptcy, tax support, college funding, and budget management

• Legal Services including referrals and discounts for services such as creating or modifying a will, consumer issues, criminal matters, living wills, power of attorney, separation and divorce and traffic matters http://www.lifeadvisor.com/

Flexible Spending Account ( FSA)

If you choose Flexible Spending Accounts, you must enroll in Oracle each plan year. Enrollments do not automatically roll over to subsequent plan years.

Flexible Spending Accounts help you save money from your paycheck by using pre-tax contributions to pay for certain eligible healthcare or dependent care expenses. Your contributions are deducted before Federal and Social Security taxes are withheld. You will be reimbursed as claims for eligible expenses are submitted. Dependent care claims must be submitted as they are incurred online at ameriflex.com or you may contact Ameriflex Customer Service with any questions by dialing 1-888-868-3539 or email service@myameriflex.com.

Debit Card If you enroll in the Health Care FSA for the first time, you will receive a new debit card from our carrier Ameriflex for the 2026-2027 plan year. FSA debit cards can be used to pay for eligible expenses when eligible services are received or purchased. For a list of eligible expenses please visit FSAstore.com or scan the first QR code below.

You can contribute $300 - $3,400 per plan year to your Health Care FSA and $600 - $7,500 per plan year ($3,750 if married and filing separate tax returns) to your Dependent Care FSA ($600 minimum). The total amount you decide to contribute is deducted over the number of pay periods within your enrollment plan year. Be sure to estimate your yearly expenses carefully to determine your contribution amount.

Unreimbursed funds left in the Dependent Care account at the end of the year are forfeited. FSA does NOT carryover into your retirement.

Health Care Account Annual Contribution Limit: $3,400 The Health Care FSA reimburses eligible healthcare expenses incurred by you or your eligible dependent(s).

Eligible expenses include health care expenses, dental expenses and vision expenses. For a complete listing of eligible expenses see IRS Publication 502 at irs.gov. You must utilize the funds in the account during the plan year in which you contribute. You are allowed to carry over up to $680 in unused funds this year.

Anything unused over $680 will be forfeited. Scan the middle QR code for an FSA Presentation.

Dependent Care Account Annual Contribution Limit: $7,500 The Dependent Care FSA reimburses for expenses incurred for the care of a child under age 13, a disabled child or an elder dependent adult. A paid receipt with the caregiver’s name and dates of service is required.

Eligible for day care centers, elder care centers, nursery schools, summer day camps, and before-and-after school. There is no carry over for unused dependent care amounts, if amount elected is not used before the end of the plan year those funds are forfeited. Scan the last QR code for a Dependent Care Presentation.

Dependent Care Presentation

Healthcare FSA PresentationFSA Store

18 City of St. Petersburg http://www.ameriflex.com/ mailto:service@myameriflex.com mailto:service@myameriflex.com http://www.fsastore.com/ http://www.irs.gov/

While the City has automatically enrolled you in the Basic Term Life Insurance plan, please make sure you review and update your Beneficiaries in Oracle Self-Service. You may update your beneficiary in Oracle Self-Service at any time. Please contact the Benefits Division if necessary for questions pertaining to enrollment or beneficiaries at: 727-893-7279.

Supplemental Life Insurance for You:

You may purchase supplemental life insurance for yourself, spouse, and children with the option to choose from three different levels of coverage based on your salary.

Supplemental Life Insurance for Your Spouse:

Employees may elect coverage for spouse supplemental life insurance in amounts of $10,000, $25,000 or $50,000. You may elect coverage for your spouse if you apply for and are approved for supplemental coverage at least 2x your spouse’s coverage.

Supplemental Life Insurance for Your Child(ren):

You may cover your unmarried dependent children from age six months to age 20 (age 25 if they are enrolled as a full-time student) in the amount of $5,000 or $10,000. You may elect coverage for your child(ren) provided that you apply for and are approved for supplemental coverage.

Evidence of Insurability (EOI):

An EOI Form is required for supplemental insurance purchased after the initial eligibility period or for additional voluntary coverage purchased at a later date. The EOI must be submitted to The Standard by March 6th for approval. You can find the form on the City’s Intranet site. EOI forms should be mailed to The Standard at: The Standard Insurance Company, Medical Underwriting 900 S.W. Fifth Avenue Portland, OR 92704

Life Insurance including AD&D Administered by The Standard The City of St. Petersburg automatically provides all Eligible Full-time employees with Basic Term Life Insurance and Accidental Death & Dismemberment (AD&D) as follows:

Classification Amount of Insurance

Active Classified Employees $10,000

Professionals $20,000

Firefighters, Firefighter/Paramedics. Lieutenants, Fire Captain, Fire District Chiefs 1x Annual Salary rounded to the nearest $1,000

Police Sergeant, Police Lieutenant, Police Officers, Forensics Services Technicians & Latent Print Examiners

1x Annual Salary rounded to the nearest $1,000

Administrative Management $100,000

Elected Officials $100,000

19 City of St. Petersburg

, Max $125k

, Max $125k

Salary Range Low Option

Monthly Cost

Medium Option

Monthly Cost

High Option

Monthly Cost

$25,000-29,000 $25,000 $8.43 $50,000 $16.85 $75,000 $25.28

$30,000-34,999 $30,000 $10.11 $60,000 $20.22 $90,000 $30.33

$35,000-39,999 $35,000 $11.80 $70,000 $23.59 $105,000 $35.39

$40,000-44,999 $40,000 $13.48 $80,000 $26.96 $120,000 $40.44

$45,000-49,999 $45,000 $15.17 $90,000 $30.33 $135,000 $45.50

$50,000 or more $50,000 $16.85 $100,000 $33.70 $150,000 $50.55

Spouse $10,000 $2.58 $25,000 $6.45 $50,000 $12.90

Child $5,000 $0.70 N/A N/A $10,000 $1.40

Coverage Amount

Employee Only Monthly Cost

Family Plan Monthly Cost

$25,000 $0.58 $0.88

$50,000 $1.15 $1.75

$75,000 $1.73 $2.63

$100,000 $2.30 $3.50

$125,000 $2.88 $4.38

$150,000 $3.45 $5.25

$175,000 $4.03 $6.13

$200,000 $4.60 $7.00

$225,000 $5.18 $7.88

$250,000 $5.75 $8.75

$275,000 $6.33 $9.63

$300,000 $6.90 $10.50

Supplemental Life Insurance Rates

(24) Payroll Deductions - Effective 4/1/2026

Accidental Death and Dismemberment Rates (AD& D)

20 City of St. Petersburg

Supplemental Accidental Death and Dismemberment Insurance (AD&D) Supplemental Accidental Life Insurance for You:

Employees may purchase personal

AD&D insurance coverage from

$25,000 to $300,000 (up to a maximum of 10x your salary). You may also cover your Spouse and

Children by choosing family coverage.

21 City of St. Petersburg

Frequently Asked Questions and Other Programs

What is Open Enrollment and when are changes effective? - Open Enrollment is when you can make changes to your coverage for the upcoming benefit year (April 1, 2026, to March 31, 2027). During Open Enrollment you may, 1) Enroll, if you previously waived coverage, 2) Cancel coverage, 3) Add or remove dependents, 4) Change coverage amounts for Supplemental Life And/or AD&D Insurance. (Evidence of Insurability form must be submitted to The Standard by March 6th for request to increase the Supplemental Life coverage.)

You must make your elections in Oracle Self-Services prior to the close of business on March 6, 2026.

What do I need to Enroll? - Your Oracle ID and Password are required. If you do not know your password and have a City e-mail address, go to the Oracle E-Business Suite Login page and click on the “Forgot Username and Password” link and follow the prompts. A new password will be e-mailed to you.

If you do not have a City e-mail address, call the DoTS Help Desk at 727-893-7200 and request your Oracle password be reset. The Help Desk must speak to you, and you must provide the last four digits of your Social Security number and the month and day of your birth for verification.

I am going to retire soon, what do I need to know? - If you are planning to retire between April 1, 2026 and March 31, 2027, this open enrollment period is your last chance to select the benefit plans you will take into retirement. Retirees don’t have open enrollment period but can make changes if they have a qualifying event. Currently, retiree premiums differ for health and life insurance but are the same for dental, vision and AD&D. More information can be found in the publication “Retiree Benefits Line”. This is available in the Benefits Division and can also be found online at stpete.org/retreebenefits.

Note:

▪ A valid Social Security Number must be entered in Oracle Self-Service for each covered dependent.

▪ If you wish to start or continue a Flexible Spending Account election, you MUST enroll via

Oracle Self-Service.

▪ All changes and new elections must be entered in Oracle Self-Service no later than March 6, 2026.

▪ If you newly elect group health coverage for a child aged 26 or over, you must complete the

“Dependent Child Aged 26 or over - Application for Coverage” form. A separate form for each child is required. (Visit the internet or intranet site) to print the form.

▪ Required documents must be submitted to the Benefits Division by March 13, 2026.

I am a new enrollee, what do I do? - Collect the required information such as: Social Security Numbers, birth certificates and marriage certificates if applicable, and names of all dependents along with your Oracle password. Use Oracle Self-Service to select your benefits before the end of the enrollment period (within 30 days of your date of hire for new employees) and submit required documentation to the Benefits Division, within the prescribed time frame.

https://www.stpete.org/government/jobs/benefits_pension_retirees.php https://www.stpete.org/government/jobs/benefits_pension_retirees.php https://www.stpete.org/government/jobs/benefits_pension_retirees.php

22 City of St. Petersburg

Frequently Asked Questions and Other Programs

What if I don’t want to make changes to my current coverage or covered benefits? - No action is required to keep your current health, dental or vision coverage. If you have a Flexible Spending Account (FSA) and wish to participate in 2026 or if you wish to enroll in the FSA for the first time, you must enroll via Oracle Self-Service. Confirm your address, marital status, contact information and beneficiaries in Oracle Self-Service and make any changes that are necessary. You may change personal information and beneficiary designations at any time during the year.

What documentation will be required to add dependents? - Eligible dependents are a legal spouse and natural, adopted or stepchildren (under the age of 30 for group health; under age 26 for dental/ vision). For Children - Verification of natural children must indicate you as the parent of the child. For stepchildren, verification must indicate your spouse as the child’s parent. A birth certificate (not Birth Registration Card), childsupport court order, court-certified guardianship papers etc. may be used.

Verification of adopted /foster children must be by official court documents indicating the child has been placed in your home.

For a Spouse - An official marriage certificate must be provided to the Benefits Division to enroll your spouse. Social Security Numbers must be input via Oracle Self-Service for all dependents.

How do I pay for my benefits? - With the City’s Premium Payment Plan, cost of benefits (except for Spouse / Children’s Life Insurance and Group Health coverage for non-qualifying dependents) is paid with pre-tax dollars. Deductions will be taken for 24 pay periods per year. Exception: Flexible Spending Account deductions are deducted each pay period. The Premium Payment Plan is automatic when you enroll, however, if you do not wish premium deductions to be made pre-tax, call the Benefits Division at 727-893-7279.

OTHER BENEFITS

Florida 529 Savings Plan - The Florida 529 Savings Plan is a tax-advantaged plan designed to encourage saving for future college costs. A contribution amount of your choosing is deducted, after-tax, from each paycheck and is invested in the available investment options that you choose. Contributions may be started, stopped or changed at any time. Withdrawals made for qualified higher education expenses are tax-free.

Restrictions and fees apply, call 727-893-7304 for more information.

457 Deferred Compensation Plan - The City’s 457 Deferred Compensation Plan is a way for you to save for retirement. Contributions are deducted on a pre-tax basis from your paycheck. You have a choice of several different investment options in which to invest your contributions. Contributions and earnings are taxable when paid out of the plan.

Contact the Pension Division at 727-893-7367 for more information and instructions on how to enroll or email pension at Pension@stpete.org.

mailto:Pension@stpete.org

23 City of St. Petersburg

NOTES

© 2026 Gallagher Benefit Services, Inc. All rights reserved. City of St. Petersburg

The information in this guide is a summary of the benefits available to you and should not be intended to take the place of the official carriers’ Members Certificates of

Coverage or the respective Summary Plan Descriptions (SPD). This guide contains a general description of benefits to which you and your eligible dependents may be entitled. This guide does not change or otherwise interpret the terms of the official plan documents. To the extent that any of the information contained in this guide is inconsistent with the official plan documents, the provisions of the official documents will govern in all cases and the plan documents, and carrier certificates will prevail.

City of St. Petersburg reserves the right, in its sole and absolute discretion, to amend, modify or terminate, in whole or in part, any of all of the provisions of the benefits plans.

Thisopenenrollment guide will be made in alternate formats for persons with disabilities upon request.