Designed with the same overall out-of-pocket medical plan costs as the PPO, but no traditional co-payments, this plan includes a higher annual deductible, but also offers a Health Savings Account (HSA) that includes a City contribution.

CDHP Highlights

• In-Network: Plan pays 95% after deductible
• Out-of-Network: Plan pays 50% after deductible
• Preventive Services: Plan Pays 100%
• Health Savings Account (HSA) with a City-Paid contribution of $500 for Employee Only Coverage or $1,000 for Employee + Dependent(s) Coverage
• Effective 06/01/2022 - $0 Cost Share (after you've met your deductible) on In-Network Mental Health and Substance Abuse Treatment for both in-patient and out-patient services. 
• Effective January 1, 2023 - Out-of-Network Mental Health and Substance Abuse Office Visits:  In-Network Deductible applies, and after deductible has been met, there is a maximum benefit of $150 per office visit

Provider Network (Medical, Dental, and Behavioral Health): Sierra Healthcare Options / UHC Choice Plus (Outside Nevada)  
Within Nevada
Outside Nevada

Claims Administrator: 

UMR, Inc.
Customer Service Number: (800) 884-0793

Enroll on the UMR portal to access important insurance information such as coordination of benefits for your covered dependents, Explanation of Benefits (EOBs) after you or a dependent has been to the doctor or dentist, plan documents, and many other resources. 

Please refer to your Summary Plan Description or call customer service for specific benefit details, limitations, and/or exclusions. 

2026 CDHP Summary of Benefits and Coverage (SBC)

You may also request a paper copy of the SBC by contacting Benefits by e-mail at MyCOHBenefits@cityofhenderson.com or call (702) 267-1944.

What is an HSA?

A Health Savings Account (HSA) is a tax-favored individual savings account available to employees enrolled in the NEW City Self-Funded Consumer Driven Health Plan. See below for links to more information and video guides on how this plan may benefit you, or click here for a comprehensive list of HSA eligible expenses!

• 2026 HSA Quick Guide
• 2026 HSA Q&A

Some Quick Videos on Understanding HSA's:

• Take advantage of the triple tax savings of an HSA
• Growing your fund outside the default fund
• Using your HSA in retirement

Plan Administrator (UMR, Inc.) Portal Enrollment Instructions

Go to www.umr.com, 
Select the "I Am a Member" drop-down option
Then click the "Create HealthSafe ID" option 

Fill in your own First Name, Last Name, Date of Birth, Member ID (from your insurance card) or Last 6 digits of your Social Security number, and our Group Number (76415437). Then click continue. Simply follow the rest of the system prompts to set up a web account.

From the UMR portal, you can:

• Print your temporary insurance card
• Order additional insurance cards
• View claims and provider information
• Update other insurance information for your dependents
• Respond to inquiries for accident or third party liability information

Prescription Benefit Summary

The City of Henderson Employee Health Care Plan provides a Prescription Drug Plan. The cardholder is responsible for the applicable deductible / co-insurance when the card is presented at the pharmacy.

Express Scripts (Beginning January 1, 2024)
Customer Service Number: (800) 918-8309
Website: www.express-scripts.com
Drug Formulary:  Express-Scripts National Formulary and Exclusions / Alternatives  

Free viewers are required for some of the attached documents.
They can be downloaded by clicking on the icons below.

Acrobat Reader Windows Media Player Word Viewer Excel Viewer PowerPoint Viewer