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.

A look at each plan’s details, as listed below, can help you decide.

Cigna Choice Fund

This is a Health Savings Account (HSA) paired with a high deductible medical plan.

Start with the HSA Benefits Summary (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.)  for an 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: $1,400 individual/$2,800 employee + 1/$3,300 family.
  • The College contribution toward the HSA is: $500 individual/$750 employee +1/$1,000 family.
  • Employees can opt to fund additional dollars on a pre-tax basis: $3,050 (individual maximum), $6,350 (employee + 1 maximum) or $6,100 (family maximum). Employees age 55 or over can fund an additional $1,000.
  • The CIGNA Telehealth Connections (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.) program will provide 24/7/365 access for minor health conditions. You can access care with MD Livenew window or American Wellnew window for a nominal cost. 

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 an 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, 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: $77.10
Employee +1: $150.35
Family: $219.73

10-month Employees
Employee: $100.23
Employee +1: $195.45
Family: $285.65

 

Part-time
staff and administrators
hired before 1/1/93

12-month Employees
Employee: $77.10
Employee +1: $222.29
Family: $329.22

10-month Employees
Employee: $100.23
Employee +1: $288.97
Family: $427.98

Part-time
staff and administrators
hired after 1/1/93

12-month Employees
Employee: $77.10
Employee +1: $ 375.87
Family: $549.33

10-month Employees
Employee: $100.23
Employee +1: $488.64
Family: $714.13

 

Cigna Preferred Provider Option

This is a closed plan; only employees currently enrolled in this plan may continue.

Check the plan summary (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.) for an overview of this option (effective 2017-current).  

Plan Highlights

Cost

Full-time Staff/Faculty/Administrators

12-month Employee
Employee: $86.51
Employee +1: $168.68
Family: $246.54

10-month Employee
Employee: $112.46
Employee +1: $219.29
Family: $320.50

 

Part-time
Staff and Administrators
hired before 1/1/93

12-month Employee
Employee: $86.51
Employee +1: $295.63
Family: $436.44

10-month Employee
Employee: $112.46
Employee +1: $384.31
Family: $567.37

 

Part-time
Staff and Administrators
hired after 1/1/93

12-month Employee
Employee: $86.51
Employee +1: $421.71
Family: $616.34

10-month Employee
Employee: $112.46
Employee +1: $548.22
Family: $801.24

 

 

Cigna Point of Service

Check the plan summary  (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.) for an overview of this option.

Plan Highlights

  • The CIGNA Telehealth Connections (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.) program will provide 24/7/365 access for minor health conditions.
  • Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the ACA.

Cost

Full-time Staff/Faculty/Administrators

12-month Employee
Employee: $81.35
Employee +1: $158.64
Family: $231.86

10-month Employee
Employee: $105.76
Employee +1: $206.23
Family: $301.41

Part-time
Staff and Administrators
hired before 1/1/93

12-month Employee
Employee: $81.35
Employee +1: $255.44
Family: $377.71

10-month Employee
Employee: $105.76
Employee +1: $332.08
Family: $491.02

Part-time
Staff and Administrators
hired after 1/1/93

12-month Employee
Employee: $81.35
Employee +1: $396.60
Family: $579.64

10-month Employee
Employee: $105.76
Employee +1: $515.58
Family: $753.53

Kaiser Permanente HMO

View the plan summary for 2020  (PDF, Get Adobe Acrobat PDF Reader.-Link opens in new window.) and visit the MC Kaiser websitenew window for more information. .

Cost

Full-time Staff/Faculty/Administrators

12-month Employee
Employee: $63.18
Employee +1: $126.37
Family: $183.24

10-month Employee
Employee: $82.14
Employee +1: $164.28
Family: $238.21

Part-time
Staff and Administrators
hired before 1/1/93

12-month Employee
Employee: $ 63.18
Employee +1: $126.37
Family: $183.24

10-month Employee
Employee: $82.14
Employee +1: $164.28
Family: $238.21

Part-time
Staff and Administrators
hired after 1/1/93

12-month Employee
Employee: $63.18
Employee +1: $315.93
Family: $458.09

10-month Employee
Employee: $82.14
Employee +1: $410.71
Family: $595.52

 

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.

©