HEALTH Insurance
Memphis-Shelby County Schools offers medical benefits administered by Cigna Healthcare. Employees have a choice of three plans with different deductible levels and premiums to accommodate your healthcare needs and budget. The side-by-side comparison shown below highlights copayments, coinsurance, deductibles, and other pertinent information.
For more detailed information on each plan, please view the summary of benefits for each individual plan:
Eligibility & Enrollment Information:
- Full-time permanent employees (working 30 hours or more per week) may enroll in coverage within 30 days of their hire date (30 days for a re-hire). Employees may cover their legal spouse (if they do not have access to affordable employer sponsored group coverage) and their dependent children up to age 26 and under.
- Enrollment must be completed online at https://www.mybentek.com/mscs.
- Coverage is effective the first day of the month after the completion of 30 days of employment.
- You can only make changes to your health benefits during Open Enrollment each year or within 30 days of a qualifying life event (example: marriage, divorce, birth/adoption of a child, loss of other coverage, dependent loss of other coverage, etc.).
- Enrolled employees and their eligible dependents will receive a COBRA notice to temporarily extend coverage under the Plan in the event that they separate employment or become benefits ineligible.
- To view your personal benefits enrollment information, go to www.mycigna.com. For additional questions about your coverage, contact Cigna at 1-800-736-7568.
2025 MEDICAL RATES:
2024 MEDICAL RATES:
|
CIGNA Medical Plan Cost Comparison
|
20 Pay Premiums |
24 Pay Premiums |
||
|
Medical Plan |
Non-Tobacco |
Tobacco |
Non-Tobacco |
Tobacco |
| OAP In-Network Plus | ||||
| Employee Only |
$114.59 |
$144.59 |
$95.49 |
$120.49 |
| Employee + 1 |
$259.32 |
$289.32 |
$216.10 |
$241.10 |
| Family |
$361.74 |
$391.74 |
$301.45 |
$326.45 |
| OAP Basic | ||||
| Employee Only |
$76.65 |
$106.65 |
$63.87 |
$88.87 |
| Employee + 1 |
$194.32 |
$224.32 |
$161.93 |
$186.93 |
| Family |
$271.06 |
$301.06 |
$225.89 |
$250.89 |
| OAP Choice Fund HRA | ||||
| Employee Only |
$44.28 |
$74.28 |
$36.90 |
$61.90 |
| Employee + 1 |
$126.46 |
$156.46 |
$105.38 |
$130.38 |
| Family |
$176.41 |
$206.41 |
$147.01 |
$172.01 |
*All plans have an unlimited lifetime plan maximum
For questions, please feel free to call (901) 416-5304 or email us at benefits@scsk12.org.
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