Tools to Help You Choose

Choosing the right plans matters to your health and your financial well-being. Use these resources to learn about your benefits and select the best options for you and your family.

Enrollment Checklist

Use this checklist to prepare for enrolling in your 2019 benefits.

  • Learn about your benefit options, paying special attention to the changes coming next year.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your current life insurance provides enough protection.
  • Make sure you have correct information about your dependents and all your dependents are eligible.
  • Remember to designate beneficiaries for your life insurance and retirement accounts.
  • Complete your benefits enrollment via eCHRIS Self-Service within 31 days of your hire date.
iconTIP: Think about the whole cost.

When choosing a medical plan, it’s important to think about the whole cost of coverage – the amount you’ll spend out of your paycheck, as well as your out-of-pocket costs (co-pays, deductibles, and coinsurance) as well as the opportunity for an HSA.

Top 5 Questions

  1. What happens if I don't enroll within 31 days of my date of hire?
    If you don't make any changes to your benefit plans during Open Enrollment, your existing plans and coverage will roll over to 2019, with a few exceptions:
    • If you're currently on a Cigna HMO or Blue Cross Blue Shield HMO plan and don't choose another medical plan during Open Enrollment, you'll be automatically enrolled in the new Banner|Aetna HMO plan, along with any enrolled dependents.
    • If you have prescription refills for mail-order and specialty drugs, they will be automatically transferred from Cigna to EnvisionRx to ensure uninterrupted service.
    • If you're enrolled in Flexrap (the City's Flexible Spending Account [FSA] program) and want to continue in 2019, you'll need to re-enroll during Open Enrollment. Otherwise, your participation in these accounts will not continue in 2019.

  2. How are the medical plans different?
    The key difference between the plans is how much you pay in premiums and how you pay for services throughout the year. Consider how you prefer to handle costs. For instance, would you rather pay extra from your paycheck for a medical plan that covers more of your costs when you need care, or pay as little as possible from your paycheck – even if that means bigger bills when you need care? Compare the plans here.

  3. What's the difference between the Flexrap Healthcare Account and the Health Savings Account (HSA)?

    The way the Flexrap Healthcare Account and the HSA work is largely the same – you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible healthcare expenses. However, there are some important differences.

    For example, all the money in an HSA rolls over year after year and is always yours to keep. And, you can change your HSA contribution amount during the year whenever you want. Keep in mind that you can only have an HSA if you're enrolled in the BCBS Savers Choice medical plan. In contrast, you can enroll in the Flexrap account regardless of your medical plan. Compare the accounts here.

  4. I have questions about my benefits. Who should I contact?
    If you have questions, please call the Benefits Office at (602) 262-4777 or send an email to benefits.questions@phoenix.gov. City offices are open from 8 a.m. to 5 p.m., Monday through Friday.

  5. What's included in my free preventive care?
    In-network preventive care is fully covered under all of the City's medical plans, so you pay nothing. These services include:
    • Well-baby care
    • Immunizations
    • Annual checkups
    • Pap tests
    • Tests for cholesterol and blood pressure
    • Mammograms
    • Prostate screenings
    • Colorectal screenings
    • Bone density

    See a full list of covered services.