Provider Search
Use the right network for each benefit — staying in-network keeps your out-of-pocket costs lowest. Step-by-step instructions for every ELCOC carrier.
Pick your network
Each ELCOC benefit uses a different provider network. Click through to the carrier’s online directory.
How to find a provider
Detailed instructions for each carrier’s online directory.
Cigna PPO
Cigna • Medical
- 1Visit hcpdirectory.cigna.com (no login required for guest search).
- 2Choose “Continue as Guest”, then enter your ZIP code.
- 3When prompted, select the plan / network: “PPO, Choice Fund PPO, Open Access Plus” — choose Cigna PPO.
- 4Search by doctor name, specialty, hospital, lab, or urgent care.
- 5Filter results by distance, languages spoken, gender, or accepting new patients.
- •Always verify the provider is still in-network when scheduling — networks change.
- •Once enrolled, log in at my.cigna.com to save providers and pull up your ID card.
Lincoln DentalConnect (PPO)
Lincoln Financial • Dental
- 1Go to the Lincoln DentalConnect portal and click "Find a dentist" in the top menu.
- 2Select the Lincoln DentalConnect (PPO) network.
- 3Enter your ZIP code and search radius.
- 4Search by dentist name, practice, or specialty (general, ortho, oral surgery, periodontics, endodontics).
- 5Confirm the provider is in-network when you call to book.
- •In-network preventive care (cleanings, exams, x-rays) is covered at 100%.
- •Both the High and Low options use the same Lincoln DentalConnect network.
Spectera Eyecare Networks
Spectera (UnitedHealthcare Vision) • Vision
- 1Visit spectera.com and click “Find a Provider”.
- 2Enter your ZIP code and select your search radius.
- 3Choose between independent eye doctors and retail chain locations (LensCrafters, Pearle Vision, Target Optical).
- 4Filter by services offered — exams, contact lenses, frames.
- 5Schedule directly with the provider; in-network claims are filed for you.
- •In-network exams have a $10 copay.
- •Frame allowance is $130 and contact lens allowance is $125 every 12 months.
Stay in-network
In-network providers have agreed to discounted rates with your carrier — saving you money on every visit.
Lower out-of-pocket cost
In-network providers charge negotiated rates, so your share — copay, deductible, or coinsurance — is lower.
No surprise bills
Carriers pay in-network providers directly. You won’t get balance-billed for amounts above the allowed charge.
100% preventive
Annual physicals, cleanings, and routine eye exams are covered at no cost when you stay in-network.
Your FBP Advocacy team can help
We’ll help you confirm a provider is in-network, find a specialist, or get a second opinion — at no cost to you.
Your Benefits Advocate
FBP Advocacy Team
Florida Benefit Plans — personalized support for all your benefits questions.