MEDICAL BENEFITS

As an employee at the City of Palo Alto you have access to comprehensive medical plans for you and your family. Our Health Plans fall in to two categories: HMO and PPO.

An HMO plans requires you to have a Primary Care Physician who will manage your health care needs. With an HMO plan you generally have lower out-of-pocket expenses when seeking services; you'd pay flat CoPays when seeking services and the CoPays range from $5 to $50.

A PPO, on the other hand, provides more flexibility and wider access. Under a PPO you are not required to select a Primary Care Physician and you have access to many types of services without receiving an approval from your medical group. But a PPO can mean more out-of-pocket expense. You have to pay a deductible before the plan will pay for major services. Once you reach your deductible, you may also be responsible for a co-insurance. 

Learn more about Medical Benefit

How do I access my plan

You can access your plan information, including your medical card, by creating an online account on your Health Plan providers website. For Example: If you have Kaiser, please go to Kaiser's Website to create an account.
All health plan websites and contact information can be found the CalPERS Plan & Rates page.

Benefit Guide & Enrollment/Change Forms

To Learn more about the coverage details of each of the health plans, please refer to the link below:
To enroll in or update your medical benefits, please refer to the link below:

Cost Per Pay Period

Please click below to access the health plans we offer and to determine your cost per paycheck for your plan

 

Who's Covered?

You and your dependents are eligible to be covered under the medical plan. Eligible Dependents include:
  • Spouse
  • Children (under the age of 26)

When does my coverage start?

Your coverage will begin on the first day of the following month in which you turn in your completed enrollment package. You have 60 days from the date of the life event to turn in your completed enrollment package.