The City's group insurance plan year is
January 1 through December 31.
City offers the health insurance through CIGNA. The two
medical plan options are:
of the Gold Plan must receive services
from the network of participating providers in the Open
Access Only network. There are no
out-of-network benefits on the Gold Plan except for emergency
care when outside of the service area.
of the Teal Plan may receive services from the network of
participating providers in the Open Access Only
network OR can receive services from out-of-network
providers (providers that do not participate in the network.
Members are then responsible for coinsurance based on the
plan's discounted fee (the allowable amount). In addition
to coinsurance, out-of-network providers may also "balance
bill", which is the difference between the plan's allowable
amount and the out-of-network provider's retail fee for
any particular service. Therefore, members have the potential
to maximize their benefits when services are received by
is a calendar year deductible that needs to be met on both
are links to a quick summary of benefits for each plan.
For complete details of coverage, please refer to links
to the SPDs (Summary Plan Descriptions) at the top of this
of Benefits - Gold (OAPIN) Open Access In-Network Plan
of Benefits - Teal (OAP) Open Access Plan
of Benefits - Dental Plan