Retiree Open Enrollment
This page contains information about benefits and changes for 2026. Information about 2025 benefits may be found on the main Retiree Health Benefits website.
Open Enrollment is an annual opportunity for retirees to review and make changes to their health benefits for the upcoming calendar year.
During Open Enrollment, you may:
- Change your health plan
- Add/remove dependents
- Enroll dependents on the GAP Plan for Surest members (current Gap coverage will continue)
2026 Health Plans
Please review the 2026 health plans completely to make an informed decision for you and your family.
High Deductible Health Plan
- Premium change
- Annual family deductible $3,400 (IRS requirement)
- Insulin (30-day supply): $35 co-pay, deductible waived
- Teledoc general and mental health visits: $0 co-pay, deductible waived
- Coverage for speech-language pathology treatment for stuttering-members age 26 and under*
- Coverage for fertitlity preservation service for patients diagnosed with breast or ovarian cancer, when treatment may cause infertility.*
- *Subject to deductible and co-insurance
PPO Plan
- Premium change
- Coverage for speech-language pathology treatment for stuttering-members age 26 and under*
- Coverage for fertitlity preservation service for patients diagnosed with breast or ovarian cancer, when treatment may cause infertility.*
- *Subject to deductible and co-insurance
Surest Plan
- Premium Change
- Annual Out-of-Pocket Maximum:
- Individual $5,000
- Family $10,000
- Primary Care co-pay: $20-$105
- Specialist Visit co-pay: $20-$105
- Emergency Room co-pay: $600
- Urgent Care Center co-pay: $60
- MRI, PET, CT Scans co-pay: $125-$850
- Ambulance Ground Transportation co-pay: $350
- Outpatient Surgery co-pay: $35-$3,000
- Inpatient Hospitalization co-pay: $200-$3,000
- Matenity co-pay: $900-$2,000
- Physical Therapy co-pay: $10-$70
- Preferred Brand Medication co-pay: $60 (30-day supply)
- Non-Preferred Brand Medication co-pay: $90 (30-day supply)
- Specialty Medication co-pay: $150-$300
Medicare Advantage Plan with Senior Care Plus
- Premium Change
Dental Plan
- Premium Change
- No Plan Changes
- UMR Plan Administrator
- Guardian Provider Network
Vision Plan
- No Plan Changes
- Vision Service Plan (VSP)
Health Insurance Premium Rates for 2026
2026 Premium Rates without Medicare*
| Dependent Election | PPO Plan | HDHP | Surest | Medicare Advantage |
|---|---|---|---|---|
| Retiree | $1,211.22 | $684.79 | $1,045.75 | N/A |
| Retiree+Spouse* | $2,398.66 | $1,345.40 | $1,935.87 | N/A |
| Retiree+Child(ren)* | $2,190.70 | $1,243.52 | $1,758.70 | N/A |
| Retiree+Family* | $3,283.06 | $1,806.14 | $2,712.89 | N/A |
*Rates do not reflect Washoe County paid benefit
2026 Premium Rates with Medicare
| Dependent Election | PPO Plan | HDHP | Surest | Medicare Advantage |
| Retiree | $607.46 | $568.94 | $620.22 | $205.50 |
| Retiree+Spouse* | $1,174.43 | $1,097.39 | $1,131.88 | $385.99 |
| Retiree+Child(ren)* | $1,081.42 | $1,012.07 | $1,031.26 | N/A |
| Retiree+Family* | $1,587.74 | $1,479.86 | $1,581.47 | N/A |
*Rates do not reflect Washoe County paid benefit
Surest dependent rates may vary. Please contact Health Benefits for confirmation of premium rates.
2026 Dental Rates (Optional)
| Dependent Election | Dental |
| Retiree | $64.83 |
| Retiree+Spouse | $126.25 |
| Retiree+Child(ren) | $113.96 |
| Retiree+Family | $175.40 |
Health Reimbursement Account administered by American Fidelity
What do you need to do?
Discover your options and learn about the different health plans offered at Washoe County.
Retiree Open Enrollment Overview - View Recording
Surest Plan Overview - View Recording
Retiree Open Enrollment In-Person Event - November 6, 2025, from 1:30 p.m.-3:30 p.m.
Location: Cafeteria, 1001 E. Ninth St. Between Building C & D
Explore Your Options
Attend an informational session to learn about available health plans.
Review Costs and Coverage
If not making any changes, no action is required.