Open Enrollment for Plan Year 2021

Consumer Choice Plan

The Consumer Choice Plan is designed for employees and retirees who like the financial benefit of a Health Savings Account (HSA) and lower monthly premiums.





Health Center Plan

The Health Center Plan provides free and unlimited primary care services to plan members at the three Health Center locations.






Employee Health Centers

Southwestern Health Resources, a collaboration between Texas Health Resources and UT Southwestern Medical Center, is working with the City of Fort Worth to provide an exceptional addition to health care benefits for employees, retirees and their dependents.


Current Employees

New Insurance Provider, New Health and Benefits Support 

We are moving to a new model for our healthcare. For 2021 there is a new insurance provider, Meritain Health, who will be responsible for paying claims and they provide our Aetna network.

For personalized health and benefits support employees and retirees will now contact Accolade. Accolade can help you during this open enrollment period to decide what plan is right for you and your family.  They can help you find a provider and review your medical bills with you.  They will also be the one who pre-certifies things like a surgery that you may have in 2021.  They can also help you coordinate your care when you have a complicated diagnosis that you need help navigating.  In addition, Accolade may reach out to you or members of your family on the city's health plan if you seem to be headed towards a complicated medical procedure.

Step 1.Same Plans, No Rate Increases

Our 2021 plan includes more than a dozen service providers to meet the healthcare and benefits needs of our employees, retirees, and their families. 

For 2021 the actual medical plan design will remain the same, with the exception that we are removing the premium provider/non-premium provider requirement. You will no longer have to look for the two blue hearts or pay a higher cost.

The dental plans are staying the same, right down to the rates as well as the life, long term disability and vision plans which are staying the same as well. 

The HSA/FSA plans are mostly staying the same.  The one difference is that those who participated in the FSA in 2020 will continue to use their Wageworks card. Those who are new to the FSA will receive a new FSA card that will be branded with HealthEquity.  Those on the HSA already know this because Wageworks and HealthEquity merged earlier this year.  They’ve already moved the HSA members to HealthEquity, but are transitioning the FSA members more slowly.

There will be no premium increases for medical, dental or vision.  

Non-Medicare Retirees

New Insurance Provider, New Health and Benefits Support 

We are moving to a new model for our healthcare. For 2021 there is a new insurance provider, Meritain Health, who will be responsible for paying claims and they provide our Aetna network.

For personalized health and benefits support employees and retirees will now contact Accolade. Accolade can help you during this open enrollment period to decide what plan is right for you and your family.  They can help you find a provider and review your medical bills with you.  They will also be the one who pre-certifies things like a surgery that you may have in 2021.  They can also help you coordinate your care when you have a complicated diagnosis that you need help navigating.  In addition, Accolade may reach out to you or members of your family on the city's health plan if you seem to be headed towards a complicated medical procedure.

Enhanced Benefits, Slight Rate Increase for 2021

Our 2021 plan includes more than a dozen service providers to meet the healthcare and benefits needs of our employees, retirees, and their families. 

For 2021 the actual medical plan design will remain the same, with the exception that we are removing the premium provider/non-premium provider requirement. You will no longer have to look for the two blue hearts or pay a higher cost.

For Non-Medicare retirees both the medical and dental plan rates will be increasing slightly as well as vision plans. However, there will still be a $0 premium option for retirees who select  the Consumer Choice Plan option.  

The HSA/FSA plans are mostly staying the same.  The one difference is that those who participated in the FSA will continue to use their Wageworks card. Those who are new to the FSA will receive a new FSA card that will be branded with HealthEquity.  Those on the HSA already know this, because Wageworks and HealthEquity merged earlier this year.  They’ve already moved the HSA members to HealthEquity, but are transitioning the FSA members more slowly.

Non-Medicare Retiree Presentations, Videos and 2021 Rate Sheets

Click here to learn more in this Open Enrollment video

(PDF, 7MB)Download the complete Non-Medicare Retiree Open Enrollment presentation(PDF, 5MB)

2021 Non-Medicare Medical Plan Rate Sheet(PDF, 86KB)  

2021 Non-Medicare Dental/Vision Rate Sheet(PDF, 79KB)  

Medicare Retirees

Same Medicare Advantage Plan

The City of Fort Worth is proud to continue offering the Medicare Advantage plan to all retirees 65 years or older for the 2021 plan year.

Additionally in 2021, the city will continue to offer the Medicare Advantage plan with no monthly premium to retirees hired prior to 1988 or retirees with 25 years or more of service.

The plan offers medical and dental benefits as well as the following:

  • Free membership in Silver Sneakers.
  • $2,000 Hearing Aid reimbursement once every 36 months. Call 888-432-7464 for assistance.

Also, this year the city will continue to offer a vision plan to those on the Medicare Advantage plan through EyeMed. 

The HR Benefits Office encourages retirees to review their benefit options carefully. If you are making plan changes, you will need to go to cfwbenefits.com to make dental or vision selections. All changes must be made before 11:59 p.m. on November 6, 2020. This includes adding a spouse or dependent to your plan dental or vision plan. 

Download Retiree Dental/Vision Rates(PDF, 79KB)

Since there are no changes to the medical plan options offered by the City of Fort Worth, which means that employees and Non-Medicare (pre-65) retirees will have the same two medical plan options already provided - the Health Center Plan and the Consumer Choice Plan, then employees and retirees who are making no changes to their current plan elections, do not need to take any  actions this year. Current elections will be rolled over to the 2021 plan year.

However, if an employee has a flexible spending account (FSA) then they must re-enroll in that part of the health plan every year. It does not roll over.

 

View a comparison chart.(PDF, 110KB)

 

Begin your open enrollment now!

Step 1


Go to  cfwbenefits.com and create a log in.

Step 2

Choose your plan: 

Consumer Choice option or Health Center option

Step 3

Confirm all your healthcare and benefits plan selections including:

Download a "How To Guide"(PDF, 795KB) to the city's new open enrollment site 

Download a Spanish Only "How To Guide"(PDF, 4MB) to the city's new open enrollment site 

 

City of Fort Worth Health Vendors for 2021

Learn more about health partners who work with the City of Fort Worth.

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Airrosti is a health care group whose providers specialize in high quality, outcome-based musculoskeletal care. Learn more.


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 Accolade provides city employees with personalized health and benefits support. Learn more.


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Delta Dental provides four dental coverage options, which are limited to certain networks and zip codes. Learn more.


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Health Equity manages the City of Fort Worth's ;Health Savings Accounts (Consumer Choice Plan)


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OptumRX is the City of Fort Worth's pharmacy benefit manager (PBM).


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Southwestern Health Resources manages and oversees all City of Fort Worth health centers and satellite locations. (Health Centers)


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SurgeryPlus is a supplemental additional benefit with each plan. They offer top board certified surgeons for hundreds of non-emergency surgeries.


 

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TIAA oversees the city's 457 Deferred Compensation Plan, and offers regular financial workshops to city employees.


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 Meritain Health, an Aetna company is the medical insurance provider for the City of Fort Worth, offering a full spectrum of health benefits programs to city employees.


 

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UNUM is responsible for the city's long-term disability coverage.


 

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Securian oversees the city's life insurance.


Learn More

Download a list of health plan providers for the 2021 plan year(PDF, 664KB)