Medical Insurance

The City offers two comprehensive Medical/Rx plan options for full-time employees:

• Exclusive Provider Organization (EPO) Plan – Offers lower out-of-pocket costs when using in-network providers, with fixed copays for office visits and prescriptions.

• High Deductible Health Plan (HDHP) – Features lower monthly premiums and is paired with a Health Savings Account (HSA) to help you save pre-tax dollars for future medical expenses.

Employees may choose to cover eligible dependents (spouse, domestic partner, and/or children) under either plan.

Cost Sharing:

• The City contributes a significant portion of the premium for both plans to keep employee costs low.

• Employees pay only a bi-weekly premium share, which varies based on plan choice and coverage tier (Employee Only, Employee + Spouse, Employee + Children, or Family).

• The EPO plan generally has higher premiums and lower out-of-pocket costs, while the HDHP has lower premiums and higher deductibles.

When Coverage Begins:

• Coverage starts on the first day of the month following one full calendar month plus one day of full-time employment, provided enrollment has been submitted and any required payroll contributions are authorized.

  • Example: If your hire date is October 17, coverage begins December 1.

  • If your hire date is April 1, coverage begins June 1.

Key Points

• The City pays the full premium for HDHP Employee Only coverage.

• The EPO plan costs more per paycheck, but offers lower copays and out-of-pocket costs when you need care.

• The HDHP has lower premiums and includes City contributions to a Health Savings Account (HSA) — $1,500 (Employee Only) or $2,400 (Employee + Dependents) per year

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  Contact HR

  Have questions about the Wellness Program or screenings?
  📧 hr@bullheadcityaz.gov | ☎ (928) 763-0153