HEALTH Insurance
Good News MSCS Employees! Effective July 1, 2022, the District’s overall share of medical premiums for active employees is changing from the current 67% to 70% cost share. This means that beginning in July you’ll see a reduction in the amount you pay for medical insurance. These changes are only applicable to active employees enrolled in the MSCS medical plan (no changes for retiree contributions).
This change will reduce total active employee contributions by almost $3.0 million annually and represents another step we’re taking to help you secure your financial future in a rapidly changing economic environment.
Click here for a summary of the changes effective 7-1-22.
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 |
Pricing Summary:
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 | $125.81 | $155.81 | 104.85 | $129.85 |
| Employee + 1 | $280.39 | $310.39 | $233.66 | $258.66 |
| Family | $391.13 | $421.13 | $325.95 | $350.95 |
| OAP Basic | ||||
| Employee Only | $88.09 | $118.09 | $73.41 | $98.41 |
| Employee + 1 | $215.32 | $245.32 | $179.43 | $204.43 |
| Family | $300.36 | $330.36 | $250.30 | $275.30 |
| OAP Choice Fund HRA | ||||
| Employee Only | $55.80 | $85.80 | $46.50 | $71.50 |
| Employee + 1 | $147.76 | $177.76 | $123.13 | $148.13 |
| Family | $206.12 | $236.12 | $171.77 | $196.77 |
*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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