Your Complete Guide to Employee Benefits
Explore and compare Early Learning Coalition of Orange County (ELCOC) benefit plans for the July 1, 2026 – June 30, 2027 plan year.
Plan year effective July 1, 2026
Interactive Decision Tools
Use these tools to compare plans, find providers, and estimate your costs — all in minutes.
Your Benefits at a Glance
Comprehensive coverage options designed to support you and your family — effective July 1, 2026.
Your Life & STD coverage is 100% employer-paid
Every eligible full-time employee receives $25,000 Basic Life & AD&D and Short-Term Disability (60% to $1,000/wk) at no cost — fully funded by ELCOC.
What's New for 2026–2027
Key dates and reminders for your benefit elections this year.
New Plan Year Dates
Coverage runs July 1, 2026 – June 30, 2027. Open Enrollment is May 21 – June 2, 2026.
Three Medical Options
Choose from ELCOC Base PPO, Mid PPO, or High PPO — all with comprehensive in-network coverage.
Lincoln Ancillary Suite
Dental, Vision, Life and Disability are all administered by Lincoln Financial.
Tips to Maximize
Make the most of your benefits this plan year.
Preventive care is covered 100% in-network on all medical plans.
Annual physicals, immunizations, and screenings cost $0 in-network.
Telemedicine PCP visits are 100% covered on every PPO plan.
Skip the waiting room — see an in-network provider via video or phone.
Dependents can stay on your medical plan until age 26.
Children are eligible regardless of student or employment status. In Florida, dependents may remain covered up to age 30 if they meet certain qualifying criteria.
Dental preventive is covered at 100% on both plans.
Two cleanings per year keep your wallet — and your smile — healthy.
$25,000 Basic Life & AD&D is provided at no cost.
Just remember to keep your beneficiary up to date.
Open Enrollment runs May 21 – June 2, 2026.
Mark your calendar — changes take effect July 1, 2026.
Common questions
Quick answers to frequently asked questions about your benefits.
Open Enrollment runs May 21 – June 2, 2026. Elections take effect July 1, 2026.
As of July 1, 2026, Preferred Benefit Administrators is your medical claims administrator. Members continue to access providers through the PPO network.
Use the Provider Search page — it links directly to the medical, dental, and vision provider directories. Staying in-network keeps your costs lowest.
The Base PPO has the lowest premium and highest deductible, the Mid PPO is balanced, and the High PPO has the richest benefits and lowest out-of-pocket maximum.
Only with a qualifying life event (marriage, birth/adoption, divorce, loss of other coverage, etc.). You must report it within 30 days.
Your FBP Advocacy team is available Mon–Fri 8:30am–5:00pm EST at (407) 862-5900 or [email protected].
Talk to your benefits team
FBP Advocacy is here to answer questions, troubleshoot claims, and help you choose.
Your Benefits Advocate
FBP Advocacy Team
Florida Benefit Plans — personalized support for all your benefits questions.
Ready to Enroll?
Review your options, then submit your elections before June 2, 2026. Coverage begins July 1, 2026.