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 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.
Comparison of Plans:
CIGNA Medical Plan Comparison
| OAP IN- NETWORK PLUS | OAP BASIC OPTION | CHOICE FUND HRA | ||
In-network | In-network | Out-of- network | In-network | Out-of-network | |
You Pay | You Pay | You Pay | |||
| Annual deductible | |||||
| Employee Employee + 1 Family | $500 $1,000 $1,000 | $1,000 $2,000 $2,000 | $2,000 $4,000 $4,000 | $1,500 $3,000 $3,000 | $3,000 $6,000 $6,000 |
| Annual Out-of-pocket maximum* | |||||
| Employee | $3,000 | $4,000 | $8,000 | $7,150 | $14,300 |
| Employee + 1 | $9,000 | $12,000 | $24,000 | $14,300 | $28,600 |
| Family | $9,000 | $12,000 | $24,000 | $14,300 | $28,600 |
| Coinsurance | 20% | 20% | 50% | 30% | 50% |
| Annual Health Fund (HRA) | |||||
| Annual Health Fund provided to | |||||
| offset your deductible | |||||
| Employee Employee + 1 | N/A | N/A | N/A | $500 $1,000 | |
| Family | $1,000 | ||||
| Medical coverage | |||||
| Doctor’s office visits | $25 copay | 20% | 50% | 30% | 50% |
| Preventive care (mammograms, PAP test, physicals, immunizations) | 0% | 0% | Not Covered | 0% | Not Covered |
| Specialist visits | $40 copay | 20% | 50% | 30% | 50% |
| Telemedicine visits | $25 copay | Copay; 20% | N/A | Copay; 30% | N/A |
| Outpatient surgery | $250 copay | 20% | 50% | 30% | 50% |
| Inpatient hospital (per stay) | $500 copay | 20% | 50% | 30% | 50% |
| Emergency room | $250 copay | $400 copay | $400 copay | 30% | 30% |
| Labs and X-rays | 20% | 20% | 50% | 30% | 50% |
| Urgent Care | $75 copay | 20% | 50% | 30% | 30% |
| Prescription drugs | |||||
| Deductible | N/A | N/A | $100 per person | N/A | $100 per person |
| Generic (30-day supply) | $10 copay | $10 copay | 50% | $10 copay | 50% |
| Preferred Brand Formulary (30-day supply) | 20% ($25 min/$60 max) | 20% ($25 min/$60 max) | 50% | 20% ($25 min/$60 max) | 50% |
| Non-Preferred Brand (Non- formulary) (30-day supply) | 30% ($50 min/$80 max) | 30% ($50 min/$80 max) | 50% | 30% ($50 min/$80 max) | 50% |
| Mail Order (90-day supply) | 3 x retail copay | 3 x retail copay | Not covered | 3 x retail copay | Not covered |
2024 MEDICAL RATES:
CIGNA Medical Plan Cost Comparison
| 20 Pay PGot remiums | 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 [email protected].
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