Medical Plans

Choose The Option That’s Right For You

Compare Your Health Benefit Options

Harris County health plans are divided into two categories, Base and Plus. Both plan options provide you with the same Cigna network, giving you and your covered dependents access to a broad network of physicians, facilities and healthcare services.

BASE PLAN
The Base Plan is designed to keep your monthly costs low through higher deductibles and out-of-pocket maximums. You’ll pay more for services that you use, but you’ll pay the lowest premiums.

PLUS PLAN
With the Plus Plan, you’ll pay a higher monthly premium, but your deductibles, out-of-pocket maximums, and costs for services will be lower.

Cost and service comparisons follow.

For both plans, you can lower your out-of-pocket costs (copays and deductibles) through the Healthy Actions Medical Plan. It provides you with a variety of healthy actions, such as getting a flu shot or taking wellness classes, that you can complete to meet the requirements. Learn more here, and get complete details at mycigna.com.

Helpful Terms to Know

  • PREMIUM — The amount you pay for insurance. In most cases, Harris County pays all or a portion of the premium.
  • COPAYMENT — The fixed dollar amount you will pay for a healthcare service.
  • DEDUCTIBLE — When applicable, the initial amount you pay before your insurance begins covering certain services.
  • COINSURANCE — The amount you pay, as a percentage of the cost of your allowed services, after you reach the deductible until you reach the plan’s out-of-pocket maximum.
  • OUT-OF-POCKET MAXIMUM — The most you will pay per calendar year for covered, in-network healthcare expenses including prescription drugs. Once this limit is met, the plan pays 100% on eligible expenses for the remainder of the calendar year.

Understanding In-Network vs. Out-of-Network

Whether you choose the Base or the Plus medical plan, the coverage is through the Cigna Open Access Plus (OAP) network. It’s a large network of providers and facilities covering almost every medical service you may need.

Yet a great benefit of your healthcare plan is that you aren’t limited to in-network providers. You always have the choice to decide when, where and how to receive medical care. So if you prefer to select a primary care physician (PCP) or other provider who isn’t part of the network, you always have that freedom. Just be aware that if you use an out-of network provider or facility, you will be responsible for paying the difference between the covered amount and the amount charged by the provider/facility.

YOUR BEST VALUE
We want you and your dependents to have the care you need, so considerable effort has been made to ensure that the OAP network offers a wide range of qualified choices. When you select an in-network provider or facility, you’ll get the lowest costs. The County will save money, too.

To see if a provider or facility is part of the network, go to myCigna.com or use the Cigna App.

In-Network Only!
Bariatric Surgery • Dialysis
For these services, you will be responsible for the entire cost if you use an out-of-network provider/facility.

Plan Premiums

Simply find your category and then use the chart to find the premium that applies to you.

EMPLOYEES (rates are bi-weekly)

RETIREES (rates are monthly)

COBRA (rates are monthly)

BASE | BASE HEALTHY ACTIONS
Services Overview

Use this overview of services/costs for a deeper comparison with the Plus plan.

1 - Base Healthy Actions - The Healthy Actions Medical Plan is not available to retirees. If you retire while on the Healthy Actions Medical Plan, your plan will change to the plan you selected - Base or Plus
2 - Preventive Services - In accordance with the Affordable Care Act (ACA), includes age appropriate care, screenings and standard immunizations. See the summary plan description for more detailed information on covered preventive services.
3 - Telemedicine - Use your myCigna app to access the Cigna telemedicine network.

PLUS | PLUS HEALTHY ACTIONS
Services Overview

Use this overview of services/costs for a deeper comparison with the Base plan.

1 - Plus Healthy Actions - The Healthy Actions Medical Plan is not available to retirees. If you retire while on the Healthy Actions Medical Plan, your plan will change to the plan you selected - Base or Plus
2 - Preventive Services - In accordance with the Affordable Care Act (ACA), includes age appropriate care, screenings and standard immunizations. See the summary plan description for more detailed information on covered preventive services.
3 - Telemedicine - Use your myCigna app to access the Cigna telemedicine network.

2020 Employee Benefits Guide

The information you need is likely on this site, but you can always download a PDF of the complete 2020-2021 Benefits Guide to check for more details.