Human Resources Department

Medical Benefits


Medical benefits imageWhether you want more choice or more monthly savings, the city offers three unique medical plan options to meet your individual needs. All include free preventive care services and a four-tier prescription drug plan.

View a Benefits Enrollment Guide

View biweekly medical contributions for employees

View monthly medical contributions for retirees

View a detailed plan comparison chart


Cigna Limited Network

  • Three provider groups
    • Kelsey Seybold
    • Memorial Hermann
    • Renaissance
  • Primary Care Physicians
    • Required for Memorial Hermann & Renaissance
    • Not required for Kelsey Seybold
  • Family members may have different provider groups and PCPs
    • Copayments for office visits
    • $200 individual / $600 family medical services deductible
    • $7,900 individual / $15,800 family out-of-pocket maximum
    • Four-tier prescription plan with $100 individual / $300 family deductible
  • Summary of Benefits Cigna Limited Network

    Cigna Limited Network Full Plan Documents (Coming Soon)


Consumer-Driven Health Plan (CDHP)

  • Includes a Health Reimbursement Account
    • City pays the first $500 individual / $1,000 family
    • Unused amounts rollover
  • Same network as Cigna Open Access Plan
  • Lowest premium contributions
  • More out-of-pocket expenses at time of service
  • In-network services 20% coinsurance / out-of-network services 40% coinsurance
  • Medical service deductibles
    • In-network individual $1,750 / family $3,500
    • Out-of-network individual $3,500 / family $7,000
  • Out-of-pocket maximums
    • In-network individual $7,900 / $15,000 family
    • Out-of-network individual $15,000 / family $30,000
  • Four-tier prescription drug plan; 20% coinsurance for all tiers

Summary of Benefits Choice Fund Open Access Plus HRA

Consumer-Driven Health Full Plan Documents (Coming Soon)


Cigna Open Access

  • Access to over 572,800 Cigna providers all over the United States without referrals
  • Primary Care Physicians (PCP) are not required
  • Direct access to specialists
  • Only true emergency services are covered out-of-network
  • Copayments for office visits
  • Coinsurance (70%/30%) for other services
  • $850 individual / $1,700 family deductible
  • $7,900 individual / $15,800 family out-of-pocket maximum
  • Four-tier prescription plan with no deductible

Summary of Benefits Open Access Plus In-Network

Cigna Open Access Full Plan Documents (Coming Soon)