Open Enrollment Runs October 26 through November 8, 2026
UPCOMING 2026 THT HEALTH FAIR
🎬 Lights, Camera, Wellness!
Join us on Saturday, October 24, from 9 a.m. to 1 p.m. for a day of wellness, resources, and personalized support. The THT Health Fair is designed exclusively for THT members and their covered dependents, bringing together trusted healthcare providers and the THT team in one convenient location.
Whether you have questions about your benefits, need help understanding your plan options, want assistance with enrollment, or are looking to connect with local providers, we’re here to help. Attendees can also take advantage of on-site health services, including vaccinations and hearing screenings.
RSVP today to reserve a time slot. If you would like one-on-one enrollment assistance, you can schedule an appointment after completing your Health Fair RSVP.
What is open enrollment?
Open enrollment is your once-a-year opportunity to make any changes to your health plan selections. This includes changing your medical, supplement, dental, or vision plan, as well as adding or removing any dependents.
When is open enrollment?
Open enrollment begins October 26 at 12am PT and ends November 8 at 11:59pm PT.
When do my open enrollment selections go into effect?
The elections you make during annual Open Enrollment become effective January 1, as long as all enrollment requirements are completed on time. If you were hired in September or October, your new hire enrollment period may overlap with the annual open enrollment period. Refer to the New Hire Enrollment page for more information.
Is participation in open enrollment required? What if I don’t participate in open enrollment?
No, participation is not required. If you do not participate in open enrollment, your same plan selections and dependents will carry over into the new plan year. You will not be able to make any plan changes until the next open enrollment period or you experience a Qualifying Life Event.
*If you are a Shared Contract Employee: add $224.80 to Full-time licensed employees per-paycheck rate.
^If one partner and/or the other is not a Full-Time Licensed Employee, find the appropriate combination to the right & add the amount shown to the Dual District rate.
- Licensed & Administrator: + $0
- Licensed & Support: + $43.16
- Licensed & Police: + $37.15
- Licensed & Shared Contract: + $224.80
- Shared Contract & Administrator: + $224.80
- Shared Contract & Support: + $267.96
- Shared Contract & Police: + $261.95
- Shared Contract & Shared Contract: + $449.60
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Note: Premiums for dual accounts containing of a Police employee are subject to change per the finalizations of the 2025-27 negotiated agreement with CCSD.
Dual District Premium Calculator
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COBRA Premium Calculator
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Plan Comparison
| Signature Plan | Advantage Plan | |
|---|---|---|
| Offers Local Coverage for all members residing in the United States | Yes | |
| FSA / HSA eligibility | Eligible for FSA only (Flexible Spending Account) | |
| Coverage outside local area | Emergency and Urgent Care only (subject to member responsibility as listed below) | |
| International Coverage | Emergency Care only (subject to member responsibility). Member must submit bills/receipts to UMR for direct reimbursement. | |
| Referrals required? | No, THT never requires a referral. However, some practices may require one before scheduling an appointment. | |
| Plan Year Deductible (Individual/Family) Copays do not apply to the deductible |
$500 / $1,000 | $1,650 / $3,300 |
| Out-of-Pocket Maximum Medical and Pharmacy combined. Includes deductible, copays, and coinsurance. |
$7,500 / $15,000 | $10,600 / $21,200 |
| Preventive Care | THT pays 100% | |
| Access to Health Investment Providers | Full Access. Reduced copays, quicker appointment availability, and no deductibles or coinsurance. | |
| • Primary Care | $0 copay | |
| • Pediatric | $0 copay | |
| • Physical Therapy | $0 copay | |
| • Endocrinology | $0 copay | |
| • Oncology | $0 copay | |
| • Hematology | $0 copay | |
| • Talk Therapy | $0 copay | |
| • MDLive (Virtual Care: Primary care, urgent care, therapy, psychiatry, dermatology) | $0 copay | |
| • In-home Urgent Care (Doctoroo / IncrediCare) | $0 copay | |
| • Dermatology | $30 copay | |
| • Cardiology | $30 copay | |
| • Neuropsych Assessments (Autism Spectrum Disorder – ASD) | $100 copay | |
| • Applied Behavioral Analysis (ABA) Therapy | Depends on number of monthly hours. See rates. | |
| All Other In-Network Physician Office Visits | ||
| • Primary Care Physician | $15 copay | 20% after deductible |
| • Behavioral Health Office visits | $10 copay | 20% after deductible |
| • Physical Therapy | $10 copay | 20% after deductible |
| • Specialist | $30 copay | 20% after deductible |
| • Urgent Care / CVS Minute Clinic | $30 copay | |
| Labwork | ||
| • Quest Diagnostics | $0 copay for all services1 | |
| • Hospital Lab | 20% after deductible | |
| • Other freestanding labs | Covered at 80% after the deductible only when laboratory services are not available through Quest Diagnostics. Services available through Quest Diagnostics are not covered out of network. Laboratory services related to an Urgent Care visit are covered at 100% and included in the Urgent Care copay. | |
| Diagnostic Imaging | ||
| • Steinberg Diagnostic Medical Imaging (SDMI) | $0 copay for all services3 | |
| • Hospital/ER Imaging | 20% after deductible | |
| • Diagnostic X-Ray Imaging at Urgent Care | Included in urgent care copay | |
| • Other imaging facilities | Covered at 80% after the deductible only when the imaging service is not available through SDMI. Services available through SDMI are not covered out of network. Imaging related to an Urgent Care visit is covered at 100% and included in the Urgent Care copay. | |
| Hospital Services (Inpatient & Outpatient) | 20% after deductible | |
| Emergency Room Copay waived if admitted |
15% coinsurance. Deductible waived. Applies to both facility and physician services. | |
- Signature Plan members residing in Clark County must utilize Quest Diagnostics to receive the $0 copay. Any costs incurred by lab work performed by providers other than Quest will be the member’s full responsibility.
- Signature Plan members residing in Clark County must utilize Steinberg Diagnostic Medical Imaging to receive the $0 copay. Any costs incurred by imaging services performed by providers other than SDMI will be the member’s full responsibility, except in cases where Steinberg Diagnostic cannot perform the service or out of extreme medical necessity.
- Services not available at Steinberg Diagnostics will be 20% after deductible.
- Copay is waived if admitted to the hospital. Out-of-Network emergency room care is covered as in-area network. Professional provider services (emergency-related or non-emergency) are 20% after deductible.
Prescription Benefits (No Changes)
Prescription coverage remains unchanged for both the Signature and Advantage plans. Members pay prescription costs according to their pharmacy benefit, and prescriptions are not subject to the medical deductible.
| Non-Specialty Prescription Drug Benefits¹ | Premier & Mail-Order Pharmacies See list below² |
||
|---|---|---|---|
| Tier 1 — Generic | |||
| • 1-34 day supply | |||
| • 35-90 day supply | |||
| Tier 2 — Non-Preferred Formulary Brand | |||
| • 1-34 day supply | |||
| • 35-90 day supply | |||
| Tier 3 — Non-Preferred Formulary Brand | |||
| Specialty Prescription Drug Benefits¹ | Mail-Order Pharmacies See list below² |
||
| Tier 1 — Generic | |||
| Tier 2 — Preferred Formulary Brand | |||
| Tier 3 — Non-Preferred Brand |
(1) Select products are eligible for a coinsurance assistance program. There is no copay for these products, and they do not accumulate toward the out-of-pocket maximum. For more information contact THT at 702-794-0272, Option 1. (2) Prescriptions filled at pharmacies other than THT’s Premier Pharmacies will incur additional Choice Fees in addition to applicable copays. (3) If the generic cost of the medication is less than the copay, the individual will be responsible for that lesser amount. (4) For more information about this service, please contact LucyRX at 844-622-1797.
2027 Benefit Changes
What’s New for 2027?
We’ve made several improvements for 2027, including lower family deductibles for certain Signature plans, the addition of Southwest Medical Associates, enhanced vision benefits, fixed dental costs, and lower bariatric surgery copay. These updates are designed to provide more value and make your benefits easier to use.
| Benefit | 2026 Benefit | 2027 Benefit | Change / Notes |
|---|---|---|---|
| Family Deductible Signature Plans |
$1,500 | $1,000 | Lower family deductible |
| Sleep Studies Advantage Plans |
$75 copay | 20% coinsurance after deductible | Note: uNITE Sleep Institute Home Sleep Study Diagnostic remains a $30 copay. |
| Emergency Room All medical plans |
$300 copay (after deductible) for first visit + 20% doctor bills. $750 copay (after deductible) for subsequent visits + 20% doctor bills. | 15% coinsurance; deductible waived
Applies to facility and physician services |
Deductible no longer applies to ER visits |
| Out-of-Network Labs Associated with an Urgent Care Visit All medical plans |
Not Covered | Covered at 100%; deductible waived
Included in the urgent care copay |
Enhanced coverage and lower out-of-pocket costs |
|
Smoking and Tobacco Cessation Visits |
Not Covered | Signature – $15 dollar copay
Advantage – 20% after deductible |
Covered according to the applicable office visit benefit. |
|
Dental HMO Plan Changes |
HMO dental coverage available with existing cost-sharing structure. | HMO dental moves to a predictable copay structure | Simpler, more predictable dental costs |
| Vision Plus Plan Changes |
Frame Allowance is currently $80 at Walmart, Sam’s Club, and Costco. |
Frame Allowance Increased to $150 at Walmart, Sam’s Club, and Costco. | Frame Allowance Increased |
| Vision Plus KidsCare (Dependent Children) |
Vision Plus includes 1 covered eye exam each plan year for children and adults. | Vision Plus covers up to 2 eye exams per year for children. | Kids can now go twice a year for eye exams. |
|
Southwest Medical |
Out of Network | Added to Network Effective January 1st | More in-network provider options |
| BARInet Copay (Bariatric Surgery) All medical plans |
$5,000 copay (Refundable after 5 years if all program requirements are met) | $2,500 copay (Refundable after 5 years if all program requirements are met) | Lower member cost for bariatric services |
2027 Dental Guide
Dental HMO moves to a predictable copay structure, making dental costs easier to understand and budget for.
Dental 2027 Comparison Guide
| Dental HMO* | Dental PPO* | |
|---|---|---|
| Deductible Individual/Family |
$0 / $0 | $0 / $0 |
| Annual Benefit Maximum Per person, per plan year |
No Maximum | $1,500 |
| Preventive Care | ||
| Oral Exams | THT Pays 100% (pg. 3-4) | THT Pays 100% |
| Cleanings (2 per year) | THT Pays 100% (pg. 8) | THT Pays 100% |
| Routine X-Rays | THT Pays 100% (pg. 4-5) | THT Pays 100% |
| Fluoride Treatments | THT Pays 100% (pg. 8) | THT Pays 100% Age 18 and Under Only |
| Sealants | $0 (No Age Limit) (pg. 8) | Age 18 and Under Only |
| Basic Services | ||
| Periodontal Services | $24-$42 per quadrant (pg. 17-19) | THT Pays 80% |
| Root Canals | $12-$185 depending on the tooth being treated. (pg. 15-16) | THT Pays 80% |
| Oral Surgery | $12-$100+ depending on the procedure. (pg.28-30) | THT Pays 80% |
| Fillings | $0-$115 depending on the size and location of the cavity. (pg.9-10) | THT Pays 80% |
| Major Services | ||
| Bridges | $600-$725
A bridge is charged per unit, meaning each replacement tooth (pontic) and each supporting crown (retainer) has its own charge. (pg.13-14) |
THT Pays 60% |
| Crowns (Inlays & Onlays) | $215-$245 (pg.10-12), Prefabricated post and core $61 | THT Pays 60% |
| Dentures (Full or Partial) | Full: $365 Partial: $305-$425 (pg.19-20) |
THT Pays 60% |
| Dental Implants | $355-$1,025 (limited to 1 implant per calendar year with a replacement of 1 per 10 years.) (pg.22-25) |
THT Pays 60% |
| TMJ Appliance | $185 (pg.30) | THT Pays 60% up to $500 lifetime maximum |
| Orthodontia Services | D8660 pre treatment exam $50.00 D8999 Lab work $195.00 Banding of appliance $480-$515 Under age 19 24 months of adjustments $1584.00 Age 19+ 24 months of adjustments $2328.00 Retention $345.00″(No age limit) (pg.31-32) |
THT Pays 100% up to $1,000 lifetime maximum, age 18 and under only |
| Teeth Whitening Home Kits | $165 Per Arch (pg.34) | No Benefit |
| Access to Pediatric Dentists & Orthodontists? | Yes | Yes |
| Emergency Care Covered? | Yes | Yes |
| Out-of-Network Coverage? | No | Yes |
| Referrals Required for Specialists? | Yes* | No |
| Must Select a General Dentist? | Yes | No |
*Dental HMO copays shown above are examples of common services. Copays vary by procedure. Refer to the Dental HMO Patient Charge Schedule (PCS) and official plan documents for complete coverage details, limitations, exclusions and member costs.
*The comparison above is only a summary and does not account for all possible procedures and billing codes. Any discrepancies between the benefits listed above and the plan documents will be resolved in favor of the plan documents. Full DHMO benefit details are available in the Patient Charge Schedule (PCS). For more information on the DHMO or DPPO, visit my.cigna.com or call Cigna at (800) 564-7642. If seeking treatment that is expected to be $200 out of pocket or more, THT recommends getting a formal estimate from your provider/Cigna.
There are no changes to the Dental PPO plan.
Enrolling is Easy on Desktop and Mobile!
- Enroll online on at members.ththealth.org
- Add / remove dependents and select your plans
- Double check your selections and submit
Upon submitting your selections, you will immediately receive an enrollment summary to the email address on file. Once processed, you will receive a separate confirmation email. Please retain these files for your records and contact us immediately if you have any concerns.
For COBRA participants:
All COBRA participants will receive a mailed notification letter and open enrollment form. Any COBRA member wanting to make changes will make their selections via the mailed enrollment form from WEX Inc. Alternatively, you may print the form below.
Open Enrollment FAQ:
Is participation in open enrollment required?
No, participation is not required. If you do not participate in open enrollment, your same plan selections and dependents will carry over into the new plan year. Any new selections you make will take effect January 1st.
Why is open enrollment important then?
Think of your health benefits like an annual subscription. Open Enrollment is the time you can make changes to your plan for any reason (or no reason at all!). Otherwise, mid-year changes are only possible if you experience a Qualifying Life Event.
How do I know which plan is right for me?
Not sure which plan fits your needs? Take our Plan Recommendation Quiz to find the best match for you and your family.
How can I find out if my doctor is in-network?
Use your personalized Digital Navigator to search for in-network providers, specialists, hospitals, and facilities. Checking your provider’s network status before receiving care can help you avoid unexpected costs.
After November 8th, when is my next open enrollment period?
Open Enrollment will now be taking place annually in October/November, so the next Open Enrollment will be in October 2027.
Will I receive a new ID card for 2027?
Yes. All members will receive a new medical ID card for 2027. Your new card will be mailed to the address on file before your coverage becomes effective. Please continue using your current ID card until you receive the new one.
Dental ID cards will only be mailed if you change your dental plan or add/remove a dependent during Open Enrollment. Otherwise, continue using your current dental ID card.
What if I need to make a change before January 1?
Changes are only allowed if you experience a Qualifying Life Event (QLE), such as marriage, divorce, birth, or loss of other coverage. Visit the Qualifying Life Event (QLE) page to learn more.
