Medical Insurance & Pharmacy

MCSD seeks to provide the best possible medical and prescription drug benefits at a reasonable cost. Employees are provided with three medical plan options through Florida Blue:

  • Medical HMO

  • Medical PPO

  • Medical High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

    • Effective 7/1/22, The School Board will contribute $1,000 to all Health Savings Account (HSA) of employees enrolled in the District-sponsored HDHP plan for the 2022-2023 plan year only

Medical Insurance Rates

Please note: All premiums are deducted on a per paycheck basis.

2021/2022 Medical Premiums

hourly medical rates

Medical Insurance: Side by Side Plans

2021/2022 Medical Side by Side

Locating In-network Providers

To search for an in-network provider, visit and select "Find a Doctor" from the header bar. When completing the necessary search criteria, select the BlueCare, BlueChoice, or BlueOptions for the network.

Donna Wilson, onsite Florida Blue representative, can also assist with finding in-work providers, facilities, and pharmacies. Donna can be reached by email at or by phone at 772.219.1200 x 30313.


Teladoc gives you 24/7/365 access to U.S. board-certified doctors by web, phone or mobile app. It is a convenient and affordable option for quality medical care. Set up your account today so when you need care now, a Teladoc doctor is just a call or click away. Teladoc is available to all employees covered under a District medical plan with Florida Blue. View a short video on how to easily register for your Teladoc account!


Health Savings Account (HSA)

Health Savings Accounts are tax-advantaged, member-owned accounts that let you save pretax dollars for current or future qualified medical expenses. Unlike Flexible Spending Accounts (FSA), you own your HSA. That means your entire balance stays in the account until you use it. Each contribution you make reduces your taxable income and is automatically deducted from your paycheck and deposited into the HSA.  Participating employees must re-elect the dollar amount they wish to have deducted each plan year.

Health Savings Account Resources

2022 Health Savings Account Change Form

Health Equity Resources

Health Account Comparison - HSA vs. FSA

HSA Reimbursement Form

HSA Member Investment Guide

HSA Transfer Account Informational Flyer

HSA Transfer Account Form

Health Equity Flyer English | Spanish

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medical plan options