Medical Benefits


Urgent Care FacilityWhether 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 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
  • $150 individual / $450 family medical services deductible
  • $4,500 individual / $9,000 family out-of-pocket maximum
  • Four-tier prescription plan with $100 individual / $300 family deductible

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 $6,840 / $13,700 family
    • Out-of-network individual $12,000 / family $24,000
  • Four-tier prescription drug plan; 20% coinsurance for all tiers

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 for other services
  • $750 individual / $1,500 family deductible
  • $6,840 individual / $13,700 family out-of-pocket maximum
  • Four-tier prescription plan with no deductible

Retirees of Texas Option Plus

  • Same network as Cigna Open Access
  • Available only to retirees who live in Texas, but outside of the counties in the Cigna Limited Network plan
  • Same benefits as the Cigna Limited Network plan