4-3.0-071725 - Tarpon Springs - GG - 2025-2026 Executive Summary (003).pdf
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- Solicitation number
- 260010-P-JL
- Issued by
- Pinellas County, Florida
About this file
The document is an Executive Summary for the City of Tarpon Springs detailing insurance coverage renewal for the 2025-2026 fiscal year, involving The Hartford and EyeMed as primary insurance providers. The summary covers comprehensive insurance offerings including medical, dental, vision, life/AD&D, long-term disability, and short-term disability plans for city employees. The effective date is October 1, 2025, with most coverage expiring on 9/30/2026, and the enrollment and volumes are based on data as of June 1, 2025.
The renewal demonstrates a total annual premium reduction of 4.7% (from $6,011,959 to $5,729,515), with no increase in employee contribution costs. The medical plan transitions from FMIT/UnitedHealthcare Plan 15 with Clinic to Plan 15 without Clinic, with a 5.0% overall premium decrease. Life insurance is provided by The Hartford, offering $50,000 basic life and $100,000 AD&D coverage paid by the city, with additional optional employee purchase options ranging from $5,000 to $300,000. The dental and vision plans remain consistent, with MetLife/PDP Plus for dental and EyeMed for vision, maintaining stable premiums across coverage tiers.
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City of Tarpon Springs Executive Summary Effective Date: October 1, 2025
COVERAGE
MEDICAL
Total Employer Employee Total Employer Employee Employer Employee EE Chg.
Employee 196 $974.01 $974.01 $0.00 $925.31 $925.31 $0.00 $231.33 $0.00 $0.00 Employee + Spouse 45 $1,865.81 $1,512.36 $353.45 $1,772.52 +$493.76 $353.45 $354.77 $88.36 $0.00 Employee + Child(ren) 47 $1,750.29 $1,442.63 $307.66 $1,662.78 +$429.81 $307.66 $338.78 $76.91 $0.00 Employee + Family 43 $2,642.14 $1,997.06 $645.08 $2,510.03 +$939.64 $645.08 $466.24 $161.27 $0.00 Annual Premium 331 $5,648,917 $4,951,672 $697,245 $5,366,473 $4,669,229 $697,245 $ Increase / ($ Decrease) - - - -$282,443 -$282,443 $0 % Increase / (% Decrease) - - - -5.0% -5.7% 0.0%
DENTAL
Total Employer Employee Total Employer Employee Employer Employee EE Chg.
Employee 192 $26.78 $26.78 $0.00 $26.78 $26.78 $0.00 $6.70 $0.00 $0.00 Employee + Spouse 62 $53.66 $36.78 $16.88 $53.66 +$10.00 $16.88 $9.20 $4.22 $0.00 Employee + Child(ren) 47 $56.88 $36.78 $20.10 $56.88 +$10.00 $20.10 $9.20 $5.02 $0.00 Employee + Family 49 $87.73 $36.78 $50.95 $87.73 +$10.00 $50.95 $9.20 $12.73 $0.00 Annual Premium 350 $185,290 $131,436 $53,854 $185,290 $131,436 $53,854 $ Increase / ($ Decrease) - - - $0 $0 $0 % Increase / (% Decrease) - - - 0.0% 0.0% 0.0% Rate Guarantee
VISION
Total Employer Employee Total Employer Employee Employer Employee EE Chg.
Employee Only 136 $6.31 $0.00 $6.31 $6.31 $0.00 $6.31 $0.00 $1.58 $0.00 Employee + Spouse 43 $11.99 $0.00 $11.99 $11.99 $0.00 $11.99 $0.00 $3.00 $0.00 Employee + Child(ren) 19 $12.62 $0.00 $12.62 $12.62 $0.00 $12.62 $0.00 $3.16 $0.00 Employee + Family 38 $18.56 $0.00 $18.56 $18.56 $0.00 $18.56 $0.00 $4.64 $0.00 Annual Premium 236 $27,825 $0 $27,825 $27,825 $0 $27,825 $ Increase / ($ Decrease) - - - $0 $0 $0 % Increase / (% Decrease) - - - 0.0% 0.0% 0.0% Rate Guarantee
LIFE/AD&D
Total Employer Employee Total Employer Employee Life Volume $16,655,000 $15,925,000 $730,000 $16,655,000 $15,925,000 $730,000 Life Rate / $1,000 $0.210 $0.210 Age Banded $0.210 $0.210 Age Banded AD&D Volume $32,580,000 $31,850,000 $730,000 $32,580,000 $31,850,000 $730,000 AD&D Rate / $1,000 $0.053 $0.023 $0.030 $0.053 $0.023 $0.030 Retiree Volume 8 $112,500 $0 $112,500 $112,500 $0 $112,500 Retiree Rate / $1,000 $4.672 $0.000 $4.672 $4.672 $0.000 $4.672 Dependent Life Unit 66 $1.250 $0.000 $1.250 $1.250 $0.000 $1.250 Retiree Dep. Life Unit 2 $5.000 $0.000 $5.000 $5.000 $0.000 $5.000 Annual Premium $61,673 $48,922 $12,751 $61,673 $48,922 $12,751 $ Increase / ($ Decrease) - - - $0 $0 $0 % Increase / (% Decrease) - - - 0.0% 0.0% 0.0% Rate Guarantee
LONG-TERM DISABILITY
Total Employer Employee Total Employer Employee Benefits Volume $1,459,503 $1,459,503 $0 $1,459,503 $1,459,503 $0
LTD / $100 $0.335 $0.335 $0.000 $0.335 $0.335 $0.000
Annual Premium $58,672 $58,672 $0 $58,672 $58,672 $0 $ Increase / ($ Decrease) - - - $0 $0 $0 % Increase / (% Decrease) - - - 0.0% 0.0% 0.0% Rate Guarantee
SHORT-TERM DISABILITY
Total Employer Employee Total Employer Employee Benefits Volume $58,273 $0 $58,273 $58,273 $0 $58,273 STD / $10 Age Banded Age Banded Age Banded Age Banded Age Banded Age Banded Annual Premium $29,582 $0 $29,582 $29,582 $0 $29,582 $ Increase / ($ Decrease) - - - $0 $0 $0 % Increase / (% Decrease) - - - 0.0% 0.0% 0.0% Rate Guarantee SUMMARY Total Employer Employee Total Employer Employee Total Monthly Premium $500,997 $432,558 $68,438 $477,460 $409,022 $68,438 Total Annual Premium $6,011,959 $5,190,702 $821,257 $5,729,515 $4,908,258 $821,257 $ Increase / ($ Decrease) - - - -$282,443 -$282,443 $0 % Increase / (% Decrease) - - - -4.7% -5.4% 0.0%¹Any premium rounding will occur in the final pay period of the month
Enrollment and Volumes as of June 1, 2025
Expires 9/30/2026 Expires 9/30/2026 The Hartford The Hartford
Expires 9/30/2026 Expires 9/30/2026
The Hartford The Hartford
Expires 9/30/2026 Expires 9/30/2026 The Hartford The Hartford
Expires 9/30/2025 Expires 9/30/2026 EyeMed EyeMed Per Pay (48) 1
Expires 9/30/2025 Expires 9/30/2029
FMIT/UnitedHealthcare Plan 15 with Clinic FMIT/UnitedHealthcare Plan 15 w/out Clinic Per Pay (48) 1
MetLife/PDP Plus MetLife/PDP Plus Per Pay (48) 1
2024-2025 2025-2026 2025-2026
CURRENT RENEWAL RENEWAL
The Hartford - Life Insurance Employee $12.80 per month $50,000 Basic Life/$100,000 AD&D (Paid by City) Dependent - $1.25 per month ($5,000 for spouse, $2,500 eligible children) Additional - Employees have the opportunity to purchase term life insurance of $5k - $300k
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File details come from the government source that posted it. Updated .