Firefighter Benefits

SFD hiring from now to January 2023
  1. Insurance
  2. Retirement
  3. Paid Leave
  4. Wellness
  5. More Benefits

Our self-insured group health plan provides coverage with zero-dollar premiums to Firefighters. We offer voluntary dental insurance, life insurance, and a cafeteria plan which includes medical and dependent care flexible spending accounts.

Health Care

Coverage begins the first day of the month following the employment eligibility date, and has Mercy as its Preferred Provider Organization (PPO).

Employee OnlyEmployer Paid - No Cost to Employee
Employee + Spouse$418/month (split over 2 paychecks)
Employee + Children$396/month (split over 2 paychecks)
(Employee + Spouse + Children)
$480/month (split over 2 paychecks)

Deductible (in-network)$500 per person / $1000 per family
Coinsurance (in-network)80% plan pays / 20% employee pays
Out-of-Pocket Maximum
$2500 per person / $5000 per family

Employees and covered family members receive an annual preventive care benefit with no cost each year when using in-network providers. Deductible waived for this benefit.

Dental Insurance

Firefighters may participate in either of the IAFF-sponsored Companion Life dental plans. Premiums are 100% employee paid through payroll deduction. 

PackageBasic Plan - Monthly PremiumBuy-Up Plan - Monthly Premium
Employee Only$36.62$40.88
Employee & Spouse$73.23$81.73
Employee & Children$78.75$103.24

*Firefighters who are not members of IAFF are eligible for coverage offered by the City.


IAFF provides the opportunity to enroll in a vision insurance plan. Firefighters pay 100% of the premium through payroll deduction.

Number InsuredMonthly Premium
Employee Only$8.70
Employee + 1 Dependent$15.42

Term Life Insurance

IAFF offers a voluntary employee-paid life insurance program. Minimum coverage required for membership in IAFF is $5,000 with a monthly cost of $2.78.

Additional life insurance is available through IAFF including Basic Life and AD&D. $5,000 dependent coverage is available for $1.41/month. Plan details are available from a Benefits Representative.

*Firefighters who are not members of IAFF are eligible for coverage offered by the City.

Cafeteria Plan IRS Section 125

This voluntary plan allows for the payment of Health, Dental, Life and Cancer Insurance premiums and qualified Dependent Care Expenses & Medical Expenses on a pre-tax basis. Elected contributions are not subject to State or Federal income taxes or FICA tax.

Cancer Coverage

Supplemental insurance coverage: Cancer/Intensive Care coverage is available through IAFF. Variable rates are based on age and coverage. Information is available from an IAFF Representative.

Prescription Drug Plan

Prescription Drug Plan administered by Elixir. Retail pharmacy coverage: $5 co-pay per 30 day fill plus 20% of the remainder of the prescription cost; maximum fill of 90 days. Mail order coverage: 20% of cost limited to a 90-day supply per prescription. Mandatory generic: If plan participant elects brand name over generic, cost is the $5 co-pay (waived for mail order), plus 20%, plus the difference in price between the generic and brand name. Out-of-Network (filing prescription claim with Med-Pay): after deductible is met, plan pays 60% of covered prescriptions.

Please refer to the Health Plan Summary or the Health Plan Document for details of Plan coverage. You may also view the City's Summary of Benefits and Coverage Under the ACA.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient’s consent or knowledge. The US Department of Health and Human Services (HHS) issued the HIPAA Privacy Rule to implement the requirements of HIPAA. The HIPAA Security Rule protects a subset of information covered by the Privacy Rule. Read the City's Notice of Privacy Practices According to HIPAA for additional details.