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Health Insurance

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This program offers a cash incentive to eligible City of Manchester employees who waive their right to enroll in the City's Health Insurance plan. the form and rules can be found in the Plan Info and Forms tab.

IMPORTANT: You must re-apply for the health insurance Opt-out incentive each fiscal year! If you applied and received the incentive last year, you will not automatically get it again this fiscal year - you must re-apply for it.


  • New full time employees and their dependents are eligible for health insurance on the first of the month following date of employment.
  • During the year, if you have a qualifying event (marriage/divorce/new child/etc.), you will have 30 days from the date of the qualifying event to make a change to your benefit election. If you do not request the change within 30 days, the next opportunity you will have to make changes to your benefit will be at the next Open Enrollment period.
  • Adult children ages 19 up to the age of 26 qualify for continued coverage under the Health Plan regardless of whether or not they are full time students.   
  • In an HMO plan (Health Maintenance Organization), you must receive your health care from providers within Anthem's network (New Hampshire, Vermont, Maine, Massachusetts, Connecticut and Rhode Island). The HMO plan does not have out of network benefits;  therefore, if you see a provider that is outside Anthem's network, then you will be responsible for 100% of the cost.
  • Preventive Care Services are covered at 100%.  
  • The POS plan (Point of Service) allows you to receive your health care from providers outside of Anthem's network (New Hampshire, Vermont, Maine, Massachusetts, Connecticut and Rhode Island).  If you choose to see a provider outside the Anthem network, you will be responsible for a portion of the cost.
  • Preventative Care Services are covered at 100%. 
  • The Lumenos HDHP is based on a plan year deductible of $2,000 for an individual coverage and $4,000 for a family coverage. You are responsible for paying 100% of your medical and prescription costs until you reach your plan year deductible amount. Once you reach that deductible amount, you are covered at 100%.
  • The City contributes towards your deductible  - $1,500 for an individual plan and $3,000 for a family plan.
  • This plan is tied to a Health Savings Account which is like a bank account whereby you can make pre-tax deposits into that account and use the money to pay your health care, vision care and dental care costs.
  • Preventive Care Services are covered at 100%.
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