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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.

 

 

 

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 [email protected]

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Comparison of Plans:

CIGNA Medical Plan

Comparison

 

OAP IN- NETWORK PLUSOAP BASIC OPTIONCHOICE 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

 

 

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