Health and Prescription Plans
As an eligible employee of Montgomery College, you can choose which health plan works best for you and your family – a high deductible plan with a health savings account, a Point of Service (POS) plan, or an HMO.
The details of each plan are presented below or visit Alexnew window to help you decide which plan is best for you.
Cigna Choice Fund
This is a Health Savings Account (HSA) paired with a high deductible medical plan.
Review the HSA Summary of Benefits and Coverage (PDF, 
) for a detailed overview of the plan.
Plan Highlights:
- Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the Affordable Care Act (ACA).
- The deductibles are: $1,650 individual/$3,300 employee + 1/$3,800 family.
- The College contribution toward the HSA is: $750 individual/$1,125 employee +1/$1,500 family.
- Employees can opt to fund additional dollars on a pre-tax basis: $3,550 (individual maximum), $7,425 (employee + 1 maximum) or $7,050 (family maximum). Employees age 55 or over can fund an additional $1,000.
The CIGNA Telehealth Connections (PDF, ) program will provide 24/7/365 access for minor health conditions. You can access care
with MDLivenew window for a nominal cost.
Contribution and Out-of-Pocket Limits for Health Savings and High-Deductible Health
Plans
| 2025 | 2024 | Change | |
| Annual HSA Contribution Limit (employer + employee) |
Self-only: $4,300 Family: $8,550 |
Self-only: $4,150 Family: $8,300 |
Self-only: +$150 Family: +$250 |
| HSA Catch-up Contributions (age 55 or older) |
$1,000 | $1,000 | No Change |
| Minimum Annual HDHP Deductible | Self-only: $1,650 Family: $3,300 |
Self-only: $1,600 Family: $3,200 |
Self-only: +$50 Family: +$100 |
| Maximum Out-of-Pocket for HDHO (deductibles, co-payments and other amounts, except premiums) |
Self-only: $8,300 Family: $16,600 |
Self-only: $8,050 Family: $16,100 |
Self-only: +$250 Family: +$500 |
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 in a FSA must incur and be reimbursed for all expenses by the end of the calendar year, 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 and/or B, 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.
Cost
Full-time
staff, faculty, administrators
12-month Employees
Employee: $74.71
Employee +1: $145.69
Family: $212.92
10-month Employees
Employee: $97.12
Employee +1: $189.40
Family: $276.80
Part-time
staff and administrators
hired before 1/1/93
12-month Employees
Employee: $74.71
Employee +1: $86.91
Family: $132.71
10-month Employees
Employee: $97.12
Employee +1: $112.99
Family: $172.52
Part-time
staff and administrators
hired after 1/1/93
12-month Employees
Employee: $74.71
Employee +1: $364.22
Family: $532.30
10-month Employees
Employee: $97.12
Employee +1: $473.49
Family: $691.99
Cigna Information about Transparency in Coverage
This linknew window leads to the machine readable files that are made available in response to the federal
Transparency in Coverage Rule and includes negotiated service rates and out-of-network
allowed amounts between health plans and healthcare providers. The machine-readable
files are formatted to allow researchers, regulators, and application developers to
more easily access and analyze data.
Cigna Point of Service
Check the POS Plan Summary (PDF, ) for an overview of this option.
Plan Highlights
- The CIGNA Telehealth Connections (PDF, ) program will provide 24/7/365 access for minor health conditions. You can access
care with MDLivenew window for a nominal cost.
- Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the ACA. If you or a family member take a specialty drug, watch your mail for an important announcement from Prudent Rx.
Cost
Full-time Staff/Faculty/Administrators
12-month Employee
Employee: $82.98
Employee +1: $161.81
Family: $236.49
10-month Employee
Employee: $107.88
Employee +1: $210.36
Family: $307.44
Part-time
Staff and Administrators
hired before 1/1/93
12-month Employee
Employee: $82.98
Employee +1: $151.40
Family: $227.00
10-month Employee
Employee: $107.88
Employee +1: $196.82
Family: $295.10
Part-time
Staff and Administrators
hired after 1/1/93
12-month Employee
Employee: $82.98
Employee +1: $404.53
Family: $591.23
10-month Employee
Employee: $107.88
Employee +1: $525.89
Family: $768.60
This linknew window leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
Kaiser Permanente HMO
Review the plan summary and visit the MC Kaiser website (PDF, ) for more information.
Cost
Full-time Staff/Faculty/Administrators
12-month Employee
Employee: $82.64
Employee +1: $165.28
Family: $239.66
10-month Employee
Employee: $107.43
Employee +1: $214.87
Family: $311.55
Part-time
Staff and Administrators
hired before 1/1/93
12-month Employee
Employee: $82.64
Employee +1: $165.28
Family: $239.66
10-month Employee
Employee: $107.43
Employee +1: $214.87
Family: $311.55
Part-time
Staff and Administrators
hired after 1/1/93
12-month Employee
Employee: $82.64
Employee +1: $413.20
Family: $599.14
10-month Employee
Employee: $107.43
Employee +1: $537.17
Family: $778.89
Caremark Prescription Drug Plans
Montgomery College offers two prescription plans for employees participating in the Cigna insurance programs. Both options are Caremark Prescription Drug plans.
) ) Cigna Information about Transparency in Coverage
This linknew window leads to the machine readable files that are made available in response to the federal
Transparency in Coverage Rule and includes negotiated service rates and out-of-network
allowed amounts between health plans and healthcare providers. The machine-readable
files are formatted to allow researchers, regulators, and application developers to
more easily access and analyze data.