OPEIU Local (GUILD 45) Health Care Plans


A Valuable Benefit Available to FPMA Active Members
(by virtue of their membership in the GUILD)


Information About OPEIU Local 45 Medicare Advantage Plans
For January 1, 2024 Plan Renewal Coverage


September 26, 2023

OPEIU has provided FPMA with information concerning the January 1, 2024 plan renewal for OPEIU Local 45 Medicare Advantage Plans. Detailed information is provided below.

Updates: The rates for Option 1 are decreasing by $2.00 per month and the rates for Option 2 are decreasing by $1.00 per month. The dental plan renewal reflects a hold of the 2023 rates.

There are three Medicare-required benefit changes that you will see updated on the Freedom Blue summary of benefits for 2024:

  1. Medicare no longer allows for a coinsurance (%) for the first 20 days of a Skilled Nursing Facility stay. Highmark has updated the benefit to have a copayment ($) for the first 20 days since the group previously had a coinsurance. This change only applies to Option 2.
  2. Generic (Tier 1 and Tier 2) drugs can be filled for a maximum of 100 days. Previously, the maximum day supply was 90 days.
  3. If a member reaches the Catastrophic Coverage Period (Rx), they will no longer have any member responsibility for any covered drug.

Additional information is available via the links provided below.


Open Enrollment Available
For September 1, 2023 Health Insurance Plan Coverage


August 17, 2023

To Florida Podiatric Medical Association Members:

Please be advised that the OPEIU (Office and Professional Employees International Union)/GUILD 45 has announced new healthcare rate schedules effective as of September 1, 2023. This will affect a significant number of FPMA members and we want you to be informed. Please find the new rates via the link below.

Florida Podiatric Medical Association members may secure health insurance plans through an agreement OPEIU entered into with the Steelworkers Health and Welfare Plan. The OPEIU has contracted with CDS to assist with the enrollment for all OPEIU Local (GUILD 45) members. CDS has set up a dedicated team to facilitate enrollment into the Steelworkers Health and Welfare Plan and handle billing inquiries or any other assistance members may require. The dedicated telephone line is 1-877-578-8710 or contact them via email at OPEIU@cdsadmin.com.

Plans are available for OPEIU Local (GUILD 45) members and their families. To enroll, please complete the enrollment form and authorization for direct payment of your premium (available via the links below). Please also send in your first month’s premium. Coverage will be effective September 1, 2023.

The OPEIU has provided this opportunity for OPEIU Local (GUILD 45) members to access comprehensive group coverage for Medical, Prescription Drug, Dental, Vision, and Medicare Advantage plans. In order to access the optional Dental and Vision coverage, you must be enrolled in Medical and Prescription Drug coverage. If you are currently enrolled, your coverage election will continue unless you contact CDS to change your coverage.

Response from FPMA members currently enrolled in the OPEIU Local (GUILD 45) member plans has been overwhelmingly positive. These plans have saved FPMA members substantially on their premiums, while, at the same time, increasing their coverage and decreasing their deductibles.

If you are not enrolled and would like to take advantage of this option, please complete and return your forms to CDS as soon as possible. The links below contain information about enrolling in this important benefit for OPEIU Local (GUILD 45) members.

Questions? Please call CDS directly at 1-877-578-8710.

Karen Lambert
CEO/Executive Director
Florida Podiatric Medical Association


OPEIU Local (GUILD 45) Health Care Plan Information:


If you have any questions about OPEIU Local (GUILD 45) Health Care Plans,
please contact CDS at 1-877-578-8710.