Health Insurance
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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