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City Health Plans

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The City of Henderson offers comprehensive medical and prescription benefits for you and your family. Detailed benefit summaries, Summary Plan Descriptions (SPD's), plan documents, provider search tools, forms and frequently asked questions can be found in the menu.

We are pleased to offer a choice between two (2) medical plans and (2) dental plans.

We realize that understanding your benefit options can be overwhelming and confusing! If you have questions as you go through this information, our online Benefits Counselor Alex may be able to help! Meet Alex! Alex can help you to find the plan that best fits you and your family, or, if you have general questions about how your insurance works, you can get help from Alex!

Medical/Prescription Plan Options

City Self-Funded Preferred Provider Organization (PPO) Plan
Traditional health plan with deductibles, co-payments, and co-insurance:

The majority of services pay at 95% co-insurance when received in-network
Out-of-Network: Plan pays 50% after deductible
Primary Care Provider: $15 co-payment per visit
Specialist Provider: $25 co-payment per visit
Preventive Services: Plan Pays 100%
In-Network Mental Health and Substance Abuse Treatment: Plan Pays 100%
Out-of-Network Mental Health and Substance Abuse Office Visits: Out-of-Network Deductible and Co-Insurance are Waived, and there is a maximum benefit of $150 per office visit

City Self-Funded Consumer Driven Health Plan (CDHP) with HSA
Designed with the same overall out-of-pocket medical plan costs as the PPO, this plan includes a higher annual deductible, but also offers a Health Savings Account (HSA) that includes a City contribution

In-Network: Plan pays 95% after deductible
Out-of-Network: Plan pays 50% after deductible
Preventive Services: Plan pay 100%
In-Network Mental Health and Substance Abuse Treatment: Plan Pays 100% after deductible is met
Out-of-Network Mental Health and Substance Abuse Office Visits: In-Network Deductible applies, and after deductible has been met, there is a maximum benefit of $150 per office visit
Health Savings Account (HSA) with a City-Paid contribution of $500 for Employee Only Coverage or $1,000 for Employee + Dependent(s) Coverage

Dental Plan Options

Vision Plan

Vision Service Plan (VSP)

Making Changes to Your Benefits

When can I make changes to my insurance benefits?

Open Enrollment
You can make changes to your health insurance benefits during Open Enrollment (November 1st - 30th each year), and the changes will take effect the following January 1st. During open enrollment, you may make changes to your health plan such as adding/removing dependents without a qualifying event, or change medical or dental plans.

To make changes during Open Enrollment: From Citynet, go to PeopleSoft > Employee Self-Service > Open Enrollment

Qualifying Life Events
You can also make benefit changes in conjunction with a Qualifying Life Event (QLE) - a Marriage, Divorce, Birth, or Adoption. The timing of making changes during a QLE is very important, so be proactive in order to ensure that you don't miss the special enrollment window for your QLE. Special enrollment windows are as follows:

Marriage - 30 Days from date of marriage
Divorce - 30 Days from date of divorce
Birth - 90 Days from birth of a child
Adoption - 30 Days from placement of a child

When you experience a QLE, you are able to make changes to your benefits including: adding or removing dependents, changing plans, enrolling or changing your Flexible Spending Account (FSA) election, and enrolling / changing your voluntary life insurance election up to the guaranteed issue amount with no Evidence of Insurability (EOI) required.

To make changes due to a QLE: From Citynet, go to PeopleSoft > Employee Self- Service > COH Employee Benefits > Life Events

If you miss the special enrollment window noted in the checklist, you will not be able to add your dependent to your health plan or make other changes until the next Open Enrollment period in November for coverage that begins in January!

Other Important Updates
Other updates you must make, or should consider making during a Qualifying Life that are completed outside of PeopleSoft:

PERS - Survivor Beneficiary Designation - complete and send back to MyCOHBenefits @cityofhenderson.com
Deferred Compensation Beneficiary - directly on the Empower website
Retirement Health Savings Account - directly on the Aviben website
COH Final Check Beneficiary - PeopleSoft Employee Self-Service > Final Check Beneficiary
Coordination of Benefits information - directly on the UMR member portal for any claims occurring on or after January 1, 2023.

Transparency in Coverage Requirements

Through UnitedHealthcare, UMR creates and publishes the Machine-Readable Files on behalf of City of Henderson.

To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com