Medical Plans

MSC Services offers a choice of three (3) medical plans designed to help you and your family maintain good health and financial well-being. Deciding which plan is best for you depends on your specific health care needs, preferences, budget, and lifestyle.

Quick Resource Links:

If you need assistance finding a provider in the Cigna Open Access Plus network, please use this link and log in, or click "Basic search as a guest."

myCigna Member Portal

Find care and compare costs for providers and services in your network
View what’s covered under your plan and explore your unique benefit programs
See your claim details and view progress toward your deductible
View and share your health plan ID card with your doctor’s office

Cigna Virtual Benefits Education Website

Cigna has prepared a Virtual Benefits Education website that includes:

Resources on getting the most from your plan, understanding your pharmacy benefits, and determining which virtual and digital care options you can access. This section also includes a handy dictionary to help you understand some of the most common health care terms
Details on the benefits and coverage including what it will cost you to receive care
Information on resources and programs Cigna Healthcare offers, including how to access our One Guide® concierge service

You can access via this link.

Video Resource

Medical Plan Options

In-Network Coverage Highlights Shown Below

	PPO Select	PPO Premier	HDHP Advantage
Network Name	Open Access Network (In-Network)	Open Access Network (In-Network)	Open Access Network (In-Network)
Calendar Year Deductible	$4,000 Individual $8,000 Family	$2,000 Individual $4,000 Family	$6,500 Individual $13,000 Family
Out-of-Pocket Maximum	$7,000 Individual $14,000 Family	$5,000 Individual $10,000 Family	$8,050 Individual $16,100 Family
Coinsurance	30% Members 70% Cigna	20% Members 80% Cigna	30% Members 70% Cigna
PCP Copay	$30 copay	$20 copay	30% coinsurance after deductible
Specialist Copay	$60 copay	$40 copay	30% coinsurance after deductible
Lab and X-ray *Dr Office & Lab Facilities	In Dr. Office: $30 / $60 copay Individual Lab: 30% coinsurance after deductible	In Dr. Office: $20 / $40 copay Individual Lab: 20% coinsurance after deductible	30% coinsurance after deductible
Advanced Imaging	30% coinsurance after deductible	20% coinsurance after deductible	30% coinsurance after deductible
Urgent Care (UC)	$50 copay	$50 copay	30% coinsurance after deductible
MDLive Virtual UC	$30 copay	$20 copay	30% coinsurance after deductible
Emergency Room	$500 copay then 30% coinsurance after deductible	$500 copay 20% coinsurance after deductible	30% coinsurance after deductible
Inpatient Hospitalization	30% coinsurance after deductible	20% coinsurance after deductible	30% coinsurance after deductible
Outpatient Hospitalization	30% coinsurance after deductible	20% coinsurance after deductible	30% coinsurance after deductible
Pharmacy Network	Cigna 90 Now - Walgreens	Cigna 90 Now - Walgreens	Cigna 90 Now - Walgreens
Retail Pharmacy 30-day supply	Tier 1: $10 copay Tier 2: $35 copay Tier 3: $70 copay	Tier 1: $10 copay Tier 2: $35 copay Tier 3: $70 copay	Subject to Medical Deductible then, Tier 1: $10 copay Tier 2: $35 copay Tier 3: $70 copay
Mail Order Pharmacy 90-day supply	Tier 1: $30 copay Tier 2: $105 copay Tier 3: $210 copay	Tier 1: $30 copay Tier 2: $105 copay Tier 3: $210 copay	Subject to Medical Deductible then, Tier 1: $25 copay Tier 2: $88 copay Tier 3: $175 copay

Additional Medical Plan Resources

Prescription Drug List with Cigna

To locate your 2025 drug list with Cigna, head to Prescription Drug List and Coverage | Cigna Healthcare, scroll down to "Select a Drug List," and choose "Advantage 3-Tier."

Where To Go For Care:

When you’re feeling sick or are injured, there are several places you can go for medical care:

Telehealth
a doctor’s office
an urgent care center
a retail health clinic
the emergency room

Start with a Telehealth visit and get care without leaving your house! An appointment with a physician is available from your phone or computer. Log in to mycigna.com to make an appointment.

Your primary care doctor should be your first call in non-emergency situations. Your doctor knows you and your health history, including what medications you are taking and what chronic conditions might need to be considered in your treatment. Plus, the co-pay for a visit to your doctor’s office will cost far less than a trip to the emergency room.

If you can’t reach your doctor or need care outside of regular office hours, urgent care centers and retail health clinics are good options. Retail health clinics are walk-in clinics found in many large pharmacies and retail stores. They are staffed by nurse practitioners and physician assistants and are designed to treat simple conditions, like cold and flu, ear infections and skin conditions.

Emergency rooms are designed to treat urgent, acute and life threatening conditions and aren’t the place for routine care or minor ailments. If you feel you are dealing with a health emergency, call 911 or go to the emergency room right away.

What Is An EOB?

EOB stands for Explanation of Benefits.

This is a document sent to you by your insurance administrator to let you know that a claim has been processed.

The most important thing to remember is that an EOB is NOT a bill, and you should not pay an in-network provider without receiving a matching EOB.

An EOB lets you know which healthcare provider has filed a claim on your behalf, what it was for, whether it was approved, and for how much.

You should always review your EOB to make sure it is correct.

Continue to Additional Medical Programs