The city’s medical plans are offered through Aetna. From in- and out-of-network options to comprehensive prescription drug coverage and special health and wellness programs, you can choose the plan that works best for you and your family.

Click the plan name below for more information.

Cigna Medical Plans

The EPO plan is similar to an HMO, in that you may only visit physicians and hospitals within the EPO network. Services received outside the network are not covered, except in the case of emergency medical care. With the EPO plan, you are not required to select a Primary Care Physician (PCP).

This plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the network.

  • The plan pays the full cost of qualified in-network preventive health care services.
  • You pay the full cost of non-preventive health care services until you meet the annual deductible. You may also have to pay a fixed dollar amount (copay) for certain services.
  • Once you meet the deductible, you pay a percentage of certain health care expenses (coinsurance) and the plan pays the rest.
  • Once your deductible, copays and coinsurance add up to the out-of-pocket maximum, the plan pays the full cost of all qualified health care services for the rest of the year.

The High-Deductible Health Plans (HDHP) work similarly to a traditional PPO:

  • You may see any health care provider and still receive coverage but will maximize your benefits and lower your out-of-pocket costs if you see an in-network provider.
  • The plan pays the full cost of qualified in-network preventive health care services.
  • You pay the full cost of non-preventive health care services until you meet the annual deductible.
  • Once you meet the deductible, you pay a percentage of your health care expenses (coinsurance) and the plan pays the rest.
  • Once your deductible and coinsurance add up to the out-of-pocket maximum, the plan pays the full cost of all qualified health care services for the rest of the year.

The HSA

The HDHP comes with a type of savings account called a health savings account, or HSA. The HSA lets you set aside pre-tax dollars to help offset your annual deductible and pay for qualified health care expenses.

Here’s how the HSA works:

  • You contribute pre-tax funds to the HSA through automatic payroll deductions.
  • In addition, your employer will contribute $1,000 annually to your HSA if you enroll in employee-only coverage and $1,500 annually if you enroll yourself and one or more family members.
  • Your contributions, in addition to the company’s contributions, may not exceed the annual IRS limits. These amounts are pro-rated for new hires/newly eligible throughout the year. For additional HSA Information, visit the HSA page.

EPO Plans Use TELADOC

  • HDHP Plan – $49 Copay per visit, Effective 1/1/2024 price will be $56 Copay per visit
  • Copay Plan – $25 copay per visit

THA Plans use ANYTIME MD

  • HDHP Plan – $45 Copay per visit
  • Copay Plan – $0 copay per visit

BUYING HEALTH INSURANCE