Benefits Overview

City of Weatherford is proud to offer a comprehensive benefits package to eligible employees. The complete benefits package is briefly summarized in this booklet. You share the costs of some benefits (medical) and City of Weatherford provides other benefits at no cost to you (life, accidental death & dismemberment). In addition, there are voluntary benefits with group rates that you can purchase through City of Weatherford payroll deductions.

Benefit Plans Offered

Medical

Dental

Coverage

Voluntary Vision Flexible Spending Accounts (FSA) Basic Life / AD&D Voluntary Life / AD&D

Carrier

TML MultiState IEBP Metlife Metlife TML MultiState IEBP MetLife Metlife

Benefits Start/Effective Date: Date of Hire Plan Anniversary Dates: January 1, 2022 Deductibles and Annual Maximums Reset: January 1, 2022

What are your benefit needs?

Consider your health costs over the last year. How often did you visit your provider? Do you have regular prescriptions? Individuals that have very few office visits and prescriptions may save by choosing a plan with lower premiums and a higher deductible.

Families with frequent doctor visits and prescriptions may save more by choosing a plan with co-pays and higher premiums.

Are those needs changing?

If you anticipate a costly medical procedure or expect to have additional medical expenses in the near future, you will want to pay close attention to the deductible and maximum out-of-pocket on the plan. You may meet these quickly if you anticipate having higher medical expenses.

Should you go with a higher cost plan?

When you pay more in premiums for your medical coverage, you pay less when you need to use it. However, will it save you money? Carefully review your expected medical expenses; you may save more money in premiums with a higher deductible plan, even after anticipated medical expenses.