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HEALTH PLAN
Voluntary health insurance is available to eligible employees.
Full time (tenured or probationary) permanent employees and
part time (tenured or probationary) permanent employees working
at least 20 hours per week are eligible for health insurance
coverage.
Additional information on eligibility for benefits is provided
in the Benefits Eligibility section.
The City shares the cost of health insurance coverage. Deductions
are processed on a pre-tax basis the first and second pay
periods of each month. Employees may choose from one of three
plans administered by
Southern Health.
Eligible employees may select a health maintenance organization
(HMO). Under the HMO program the enrollee selects a primary
care physician who provides all of the basic care and refers
patients to specialists as needed. HMO’s typically provide
100% coverage for most hospital/medical services as well as
prescription drugs when recommended or authorized. Enrollees
must use network physicians, hospitals, pharmacies and other
network providers for all services. Flat dollar co-payments
apply to this program.
Eligible employees may select the Point-of Service (POS)
program which has an in-network benefit plan and an out-of-network
benefit plan. The in-network plan uses the same network as
the HMO. Participants using the out-of-network plan may use
any provider. Deductibles, flat dollar and percentage co-payments
apply to this plan.
Employees living in the service area must select either the
HMO or POS. Participants working in the service area may select
the HMO or POS but must use the HMO network.
Participants living outside the service area may select the
Preferred Provider Organization (PPO) which has an in-network
benefit plan with preferred providers and an out-of-network
benefit plan that allows participants to use any provider.
Deductibles, flat dollar and percentage co-payments apply
to this plan.
back to Benefits
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