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Consumer Choice Plan

The Consumer Choice Plan is designed for employees who like the financial benefit of a Health Savings Account (HSA) and lower monthly premiums. This plan may also benefit those who may live (or whose dependents may live) outside of the Fort Worth area and won’t have easy access to one of the planned health center locations.

As with most high-deductible plans, all health care services are billed to the employee at 100% until the deductible is reached. Then, in most cases for in-network providers, the plan pays 80% while the employee covers 20% until the out of pocket maximum is reached.

Utilization of primary care services in the clinic is still allowed on the Consumer Choice Plan, at a reduced cost.

Currently, the city pays $540 into individual HSAs each year and $1,000 into family HSAs. Employees can voluntarily save even more by making additional contributions to their HSA.

Other fast facts

  • All preventive care, including mammograms and routine colonoscopies, are free to members on both the Health Center Plan and the Consumer Choice Plan.
  • Consumer Choice Plan members will be able to use the health centers at a discounted rate.
  • Mental health services will still be available in 2018 and will be treated like medical services regarding the billing process under both plan options.

Compare the plans

To help employees better understand these two plans, the following is a comparison chart between the proposed Health Center Plan and the Consumer Choice Plan.

Active Employees (Per Paycheck)

Employee only Employee + spouse Employee + child(ren) Employee + family
Health Center Plan $48.18 $238.37 $177.85 $333.47
Consumer Choice Plan $0 $161.66 $115.77 $242.50

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