How to Enroll

Anthem BCBS HDHP Blue Open Access Plan

• Individual and family deductibles increase slightly.
• Premium increase.

Anthem BCBS POS Blue Open Access Plan

• No changes to this plan.
• Premium increase.

Kaiser Permanente High-Deductible HMO

• Individual and family deductibles increase slightly.
• Premium increase.

Kaiser Permanente HMO

• No changes to this plan.
• Premium increase.

Health Savings Account

• The City’s contribution increases.
• You must enroll in this plan to have coverage in 2026 even if you participate in the plan today.

Flexible Spending Accounts

• No changes to these plans.
• Contribution limits increase slightly.
• You must enroll in these plans to have coverage in 2026 even if you participate in the plans today.

Dental Plan

• No changes to this plan.
• Premium increase.

Vision Plan

• No changes to this plan.
• No premium increase.

Life Insurance

• Check your beneficiaries and update as appropriate.

Short-Term Disability Plan

• No changes to this plan.

Voluntary Insurance Products

• No changes to these plans.
• You must enroll in these plans to have coverage in 2026 even if you participate in the plans today.

Non-Medicare Retiree Medical Plan Options

Anthem BCBS POS Blue Open Access Plan

• No changes to this plan.
• Premium increase.

Kaiser Permanente HMO

• No changes to this plan.
• Premium increase.

Medicare Advantage Retiree Medical Plan Options

UnitedHealthcare Medicare Advantage PPO (Parts A & B)

• No changes to this plan.
• Premium increase.

Kaiser Permanente Senior Advantage HMO (Parts A & B)

• To participate in the plan, you must live within Kaiser’s Senior Advantage Service Area, which is offered in 20 counties in the metro Atlanta area.
• No changes to this plan.
• Premium Increase.

UnitedHealthcare Group Medicare Advantage PPO (Part B Only)

• No changes to this plan.
• Premium increase.

Medicare Advantage SPLIT Retiree Medical Plan Options

UnitedHealthcare Medicare Advantage PPO Split Option Plan (Parts A & B)

• No changes to this plan.
• Premium increase.

Kaiser Permanente HMO + Senior Advantage (Medicare) Split Option Plan

• No changes to this plan.
• Premium increase.

Other Benefit Options

Dental Plan

• No changes to this plan.
• Premium increase.

Vision Plan

• No changes to this plan.
• No premium increase.

Life Insurance

• No changes to this plan.
• No rate increase.
• Check your beneficiaries and update as appropriate.

Educate yourself about your benefit options by going to Resources > Important Documents and reading the following:

• The enrollment mailer (actives or retiree version) for a short overview of options and changes; this was also sent to your home.
• Actives or retiree benefits guide for additional details about your benefits.
• Enrollment presentation; the video also is at the bottom of this page.
• Attend an enrollment meeting.
• Check to see if your doctors and healthcare facilities are in your potential plan’s network by going to the plan website.
• If you or a covered family member regularly takes a medication, check to see how it is covered by the medical plan you are considering and at what cost to you.

How to Enroll

There are two ways to enroll access the enrollment system:

1. Click the red “Enroll Now” button on the home page of this website, or
2. Go directly to the ATLcloud site at https://ehxr.login.us2.oraclecloud.com/.

• In either case, follow the instructions below.

Enrollment Instructions

From the ATLcloud website: https://ehxr.login.us2.oraclecloud.com/

1. To log in if you are an active employee, enter your username and password. If you are a retiree, enter your employee ID and password.
2. If you need an Oracle password reset, click “FORGOT PASSWORD” on the main screen and change it there.
3. After you login, click the “House” icon on the top right, then click the orange “Benefits” icon.
4. Next, click on the white “Update Enrollment” box. 

Dependents and Beneficiaries

• Under “Before you enroll,” click on “Verify people you’d like to cover” and enter anyone you want to list as a dependent and/or beneficiary, if they are NOT already listed in the system.
• Under “My Contacts,” click the name to confirm dependent or beneficiary information. Use the gray edit pencil on the right to make changes.
• If you need to add a new dependent or beneficiary, click on the “+” box on the right of “My Contacts.” DO NOT ADD A CONTACT MORE THAN ONCE.
• Enter the person’s name and relationship. Be sure to complete the “Relationship,” “Relationship Start Date,” “Last Name,” and “First Name” fields. The relationship start date you enter MUST be a date PRIOR to the Open Enrollment start date.
• For “Relationship Start Date,” enter the date you’re completing the enrollment. For a stepchild, select “Child” as the relationship.
• When finished, click “Submit” at the bottom of the screen.
• Repeat these steps as many times as necessary to add dependents and beneficiaries.
• When you are ready to enroll, click “Enroll in Benefits that matter to you,” then Click “Edit” to enroll or make changes or “view enrollment” to see your current elections without making a change.
• When you see the “Authorization” page, read the information and click “Continue.” Then “Edit Benefits” to make changes.
• Review the plans and click “Enroll” or “Unenroll” to elect, change, or remove options. Use “Continue” to go section by section or skip ahead using the list on the right.
• After you’re done, you’ll see “Review and Submit.” You can edit any section using the gray pencil to the right before you finalize your elections, then click “submit.”
• When you see “Enrollment submitted,” use the white arrow at the top left to return to the “Your Benefits” homepage. To add documents, click “Document Records” on the right.

Edit Benefits

• If you’re enrolled in a High-Deductible Health Plan, decide how much extra you’d like in your Health Savings Account , click “enroll” and enter that annual amount in the “Coverage” box, then “save.”
• Scroll to the bottom of the page and click “Continue.”
• Select your Dental and Vision Plan.
• Select your Life Insurance and click “enroll” or “unenroll” to elect or remove coverage.
• Assign the percentage of life insurance payouts each beneficiary should receive, and select both Primary and Contingent beneficiaries. Repeat for additional policies listed.
• Choose a Flexible Spending Account option and enter the coverage amount.
• Select Voluntary Plan options.
• When you are ready to continue, click “Submit.”
• Review your plan. You can edit any section using the gray pencil to the right before you finalize your elections, then click “submit.”
• If everything is correct, click “Submit.”

Important Notes

• You cannot select both a Health Savings Account (HSA) and Health Care Flexible Spending Account (FSA). Only one may be chosen.
• An HSA is only available if you’re enrolled in a High- Deductible Health Plan.
• If enrolled in an HSA, you can still contribute to a Dependent Care FSA.
• If adding a New Dependent, upload a marriage and/ or birth certificate for verification to the “Document of Record” tab on your Oracle home page or email it to the Insurance Division at benefits@atlantaga.gov. (Be sure to enter your dependent’s Social Security number in the “National Identifiers” section.)

How to Enroll

There are two ways to enroll access the enrollment system:

1. Click the red “Enroll Now” button on the home page of this website, or
2. Go directly to the ATLcloud site at https://ehxr.login.us2.oraclecloud.com/.

• In either case, follow the instructions below.

Enrollment Instructions

From the ATLcloud website: https://ehxr.login.us2.oraclecloud.com/

1. To log in if you are a retiree, enter your employee ID and password.
2. If you need an Oracle password reset, click “FORGOT PASSWORD” on the main screen and change it there.
3. After you login, click the “House” icon on the top right, then click the orange “Benefits” icon.
4. Next, click on the white “Update Enrollment” box. 

Dependents and Beneficiaries

• Under “Before you enroll” Click on “Verify people you’d like to cover” and enter anyone you want to list as a dependent and/or beneficiary, if they are NOT already listed in the system.
• Under “My Contacts,” click the name to confirm dependent or beneficiary information. Use the gray edit pencil on the right to make changes.
• If you need to add a new dependent or beneficiary, click on the “+” box on the right of “My contacts.” DO NOT ADD A CONTACT MORE THAN ONCE.
• Enter the person’s name and relationship. Be sure to complete the “Relationship,” “Relationship Start Date,” “Last Name,” and “First Name” fields. The relationship start date you enter MUST be a date PRIOR to the Open Enrollment start date.
• For “Relationship Start Date,” enter the date you’re completing the enrollment. For a stepchild, select “Child” as the relationship.
• When finished, click “Submit” at the bottom of the screen.
• Repeat these steps as many times as necessary to add dependents and beneficiaries.
• When you are ready to enroll, click “Enroll in Benefits that matter to you” then Click “Edit” to enroll or make changes or “view enrollment” to see your current elections without making a change.
• When you see the “Authorization” page, read the information and click “Continue.” Then “Edit Benefits” to make changes.
• Review the plans and click “Enroll” or “Unenroll” to elect, change, or remove options. Use “Continue” to go section by section or skip ahead using the list on the right.
• After you’re done, you’ll see “Review and Submit.” You can edit any section using the gray pencil to the right before you finalize your elections, then click “submit.”
• When you see “Enrollment submitted,” use the white arrow at the top left to return to the “Your Benefits” homepage. To add documents, click “Document Records” on the right.

Edit Benefits

• When you are ready to enroll, click “Enroll in Benefits that matter to you,” then Click “Edit” to enroll or make changes or “view enrollment” to see your current elections without making a change.
• When you see the “Authorization” page, read the information and click “Continue.” Then click “Edit Benefits” to make changes.
• Review the plans and click “Enroll” or “Unenroll” to elect, change, or remove options. Use “Continue” to go section by section or skip ahead using the list on the right.
• After you’re done, you’ll see “Review and Submit.” You can edit any section using the gray pencil to the right before you finalize your elections, then click “submit.”
• When you see “Enrollment submitted,” use the white arrow at the top left to return to the “Your Benefits” homepage. To add documents, click “Document Records” on the right.
• Select your Life Insurance and click “enroll” or “unenroll” to elect or remove coverage.
• Assign the percentage of life insurance payouts each beneficiary should receive, and select both Primary and Contingent beneficiaries.
• Choose which beneficiaries would receive anything as a primary recipient. (For example, will your spouse receive 100% of the benefit if something happens to you or share the benefit with a child, Ex: Spouse 50% child 50%?)
• Choose which beneficiaries would receive anything as a contingent recipient. (For example, what will your children receive if something happens to you and your primary recipient?)
• When you are ready to continue, click “Submit.”
• Review your plan. You can edit any section using the gray pencil to the right before you finalize your elections, then click “submit.”
• If everything is correct, click “Submit.”

Important Notes

• If adding a New Dependent, upload a marriage and/ or birth certificate for verification to the “Document of Record” tab on your Oracle home page or email it to the Insurance Division at benefits@atlantaga.gov. (Be sure to enter your dependent’s Social Security number in the “National Identifiers” section.)

What is my enrollment website user name?

Your user name is your employee ID number. If you cannot locate your employee ID number, please call the Help Desk at 404-546-4246. The Help Desk representative will ask a series of questions for validation purposes and will provide you with your user name.

What do I do if I forget my enrollment site password?

You need to click “Forgot Your Password” online from the enrollment site login page. A valid COA email address is required.

What should I do if I do not have access to the online enrollment system?

Please call our Help Desk at 404-546-4246, Monday to Friday, from 8:15 a.m. to 6 p.m. The Help Desk will be able to authorize access.

If I enroll online, how can I prove I have enrolled or confirmed my benefits?

You can print a confirmation statement when you have completed your online enrollment.

What happens if I miss the Open Enrollment deadline?

If you do not enroll by the deadline, in the new year, you will only have basic benefits provided by the City. After your initial 90-day eligibility period following the date of employment, you may change your elections (plans and coverage) only during an Open Enrollment period or within 31 days following a change in family circumstance. Please see the enrollment guide for more information.

Am I required to make changes to my benefits?

No, you can maintain your current plan and coverage level selections. You must actively elect Flexible Spending Accounts or Health Savings Account coverage if you want to participate in those plans next year.

When will the Open Enrollment meetings be held this year?

You can watch our enrollment presentation at the bottom of this page. Or, you can attend an in-person enrollment meeting. This flyer includes a list of dates, times and locations of enrollment meetings.

Where can I find the insurance premiums for 2025?

Click the appropriate rate sheet in Resources > Important Documents to see what you will pay for coverage.

What if I have other questions?

For questions about enrolling online or your benefits, please call the City of Atlanta benefits department at 404-330-6036, Monday to Friday, from 8:15 a.m. to 6 p.m.