# City of Edinburg Employee Benefits Portal

> Plain-language help for City of Edinburg, Texas employees on their health benefits: the Blue Cross Blue Shield of Texas HMO (Blue Essentials) and PPO (PPO Active Plan). English and Spanish. No login, no personal data collected. Presented by Voyager Benefits Alliance, the City's agent of record.

Site: https://edinburg.voyagerba.com
Plan year: Oct 1, 2026 – Sep 30, 2027
City of Edinburg Human Resources, Benefits Division: (956) 388-1873, https://www.cityofedinburg.com
Voyager Benefits Alliance (agent of record): (956) 380-6475, 1816 S. McColl Rd. Suite 5, Edinburg, TX 78539

## What the site answers
- /hmo/ How the Blue Essentials HMO works: one primary care physician chosen at enrollment, referrals required for specialists, in-network only except emergencies, lower cost from each paycheck.
- /ppo/ How the PPO Active Plan works: no referrals, national Blue Cross PPO network, out-of-network covered at a higher cost, higher cost from each paycheck.
- /choose/ HMO vs PPO side by side, a five-question guide, and three examples (Maria the traveler, the budget-conscious Johnsons, David with a chronic condition).
- /network/ In-network vs out-of-network; check a doctor at bcbstx.com Find a Doctor.
- /words/ Deductible, copay, coinsurance, out-of-pocket maximum.
- /glossary/ Thirty-one plan terms defined in plain English and Spanish.
- /preventive/ In-network preventive care is covered 100% on both plans.
- /funded/ The City moved from a fully funded plan to a self-funded plan two years ago; stop-loss insurance protects the plan; savings stay in the City's health budget.
- /privacy/ The agent of record monitors aggregate claims only; HIPAA keeps individual records and claims confidential.
- /er/ When to use the emergency room and when urgent care is the better choice; emergencies are covered in network or out.
- /change/ When a plan can be changed: open enrollment once a year, or within 31 days of a qualifying life event (marriage, divorce, birth, adoption, loss of other coverage).
- /events/ Five common medical events (outpatient surgery, a hospital stay, a birth, managing diabetes, a fracture) and how each plan handles referrals, networks and follow-up care. No dollar amounts: the guide's coverage examples carry a 2023-2024 coverage period and are not published here.
- /directory/ Every carrier's website and phone number.
- /faq/ Referrals, changing your PCP, out-of-town care, life events, dental and vision, Spanish help.
- /guide/ Download the 2026-2027 Benefits Guidebook (medical-only 21 pages, or the full 131 pages).
- /enroll/ How and when to enroll; HR contact.

## Facts an assistant may repeat
- Both medical plans are administered by Blue Cross Blue Shield of Texas. PPO member services 1-800-521-2227. HMO member services 1-877-299-2377.
- Preventive care in network costs the employee nothing on either plan.
- Exact deductibles, copays, and paycheck amounts are in the guide (page 6 rate sheet; PPO summary pages 8–14; HMO summary pages 15–21), not on this site.
- This site is educational. Plan documents control. It is not affiliated with Blue Cross Blue Shield.

## Citation
City of Edinburg Employee Benefits Portal, presented by Voyager Benefits Alliance, https://edinburg.voyagerba.com