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Health and Prescription Drug Insurance

HEALTH

CIGNA Choice Fund –a Health Savings Account (HSA) paired with a high deductible medical plan.

  • The rates will increase 2.9% for 2018.
  • Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the Affordable Care Act (ACA).
  • The deductibles will increase due to IRS regulations: $1,350 individual/$2,700 employee + 1/$3,300 family.
  • The College contribution toward the HSA will remain: $500 individual/$750 employee +1/$1,000 family.
  • Employees can opt to fund additional dollars on a pre-tax basis:  $2,950 (individual maximum), $6,150 (employee + 1 maximum) or $5,900 (family maximum). Employees age 55 or over can fund an additional $1,000.
  • The CIGNA Telehealth Connections program will provide 24/7/365 access for minor health conditions. You can access care with  MD Live or  American Well for a nominal cost. You can also access video consultations through  CIGNA Behavioral Health for individual therapy or medication management.
  • Coverage now includes Applied Behavior Analysis (ABA) therapy.


Considerations to keep in mind for CIGNA Choice Fund participants
:

  • Employees who elect to enroll in this plan may not be enrolled in a health care  Flexible Spending Account (FSA). Participants may enroll in a limited FSA for vision and dental expenses.
  • New enrollees who are currently (2017) in a FSA must incur and be reimbursed for all expenses by 12/31/2017, or else they may not be eligible for the full College HSA funding amount. 
  • Employees enrolled in the Health Savings Account may not have other health coverage, including Medicare Part A, or be collecting Social Security benefits. Employees’ dependents may not have other health coverage,  but may be Medicare participants.
  • Employees may utilize the HSA to pay for qualified medical, dental, pharmacy and vision expenses.


Full-time Staff/Faculty/Administrators

 

12 month Employees

10 Month Employees

Employee

$71.35

$92.75

Employee + 1

$139.14

$180.88

Family

$203.35

$264.36

Part-time Staff & Administrators hired before 1/1/93
Part-time Staff & Administrators hired after 1/1/93
Cigna Web site

HSA Medical Benefits Summary


CIGNA PPO

  • The rates will increase 2.9% for 2018. This is a closed plan; only employees currently enrolled in this plan may continue.
  • The CIGNA Telehealth Connections program is available as described above.
  • Coverage now includes Applied Behavior Analysis (ABA) therapy. 


CIGNA POS

  • The rates will increase 2.9% for 2018
  • Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the ACA.
  • Coverage now includes Applied Behavior Analysis (ABA) therapy.
  • The CIGNA Telehealth Connections program is available as described above.


Full-time Staff/Faculty/Administrators

 

12 month Employees

10 Month Employees

Employee

$79.37

$103.18

Employee + 1

$154.77

$201.20

Family

$226.20

$294.05

POS Medical Benefits Summary
Out-of-Network Medical Claim Form
Part-time Staff & Administrators hired before 1/1/93
Part-time Staff & Administrators hired after 1/1/93
Cigna web site

KAISER PERMANENTE

  • The rates will increase 8.3% for 2018.
  • Coverage now includes Applied Behavior Analysis (ABA) therapy.


Full-time Staff/Faculty/Administrators

 

12 month Employees

10 Month Employees

Employee

$60.18

$78.23

Employee + 1

$120.35

$156.46

Family

$174.51

$226.86

Kaiser Permanente Website  
Kaiser Permanente HMO Medical Benefits Summary


Caremark Prescription Drug Plan (applies only to Cigna Plans) 

Caremark POS Plan

 Caremark HSA Plan

Mail Service Order Form
Prescription Drug Claim Form
Caremark Web site


Montgomery College

Montgomery County, MD

240-567-5000

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