Medical Benefit Information

Employees can use the following information to determine which medical benefits to enroll in for 2018:

Overview of Medical Insurance Plans Plans

City of Merriam Medical Benefit Scenarios
Medical Benefits Comparison Matrix

Preferred Provider Organization (PPO) Medical Insurance Plan


PPO plans don’t require primary care physicians; members can see any health care professional without referrals—inside or outside of the network. However, services rendered within the network charge lower co-pays and full coverage, while services rendered outside the network charge higher out-of-pocket costs, and not all services may be covered.

High-Deductible Health Plan (HDHP) and Health Saving Accounts (HSA)

An HDHP is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. HDHP coverage is also a requirement for contributing to an HSA.