The city offers you the following plan options so that you may select the best fit for your financial and personal situation:

1. EPO (Exclusive Provider Organization)

2. HDHP (High Deductible Health Plan)

3. No Coverage of the city’s medical plan

EPO Exclusive Provider Organization

An Exclusive Provider Organization (EPO) plan has a higher monthly premium, but offers less risk, or “cost,” when you or your family seek care during the year. This is because things like doctor visits, specialist visits, urgent care visits, and prescriptions have a fixed co-pay so that you know exactly what you’ll have to pay at the time of the visit. Also, this plan offers a lower deductible for you and your family. On an EPO plan, your co-pays do not apply toward your deductible. They will, however, go towards your out-of-pocket maximum.

EPO Plan Highlights

  • Lower Deductible
  • Higher Monthly Premium
  • Fixed Co-Pays (co-pays do not apply toward deductible)
  • Out of Pocket-Maximum (deductible & coinsurance will apply)

HDHP High Deductible Health Plan

The HDHP allows you to have the most control over your health care expenses. This plan is much different than an EPO because you are responsible for paying 100% of the cost of care and treatment you seek until you meet your deductible. This means most doctor visits, MRIs, and prescriptions will be your responsibility and also count towards your deductible. Once the deductible is met, the plan will share costs with you. 

HDHP Plan Highlights

  • Higher Deductible
  • Lower Monthly Premium
  • No Co-Pays (all services subject to deductible and coinsurance)
  • Out of Pocket-Maximum (deductible & coinsurance will apply)

HSA Health Savings Account

If you choose the HDHP, you will also receive a Health Savings Account (HSA), which allows you to pay for eligible health care expenses. If you have HSA money in a different bank, you may transfer the funds to the city’s current HSA bank. Contact Human Resources for more information.

HSA Account Highlights
*Annual Wellness Visit
IRS Guidelines
Account Deposits


2020 Plan Rates

Retiree rules, rates, structures and plans are subject to change at any time as deemed necessary by the city.