Health plan changes for 2024-25

Once you and/or your spouse become eligible for Medicare parts A and B, you will move to the Cigna True Choice Medicare Advantage PPO at a monthly cost of $50/member per month.

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Medical plan cost-share (effective January 1, 2025)

• The annual deductible will increase from $300 to $500.

• Your coinsurance will increase from 10% to 15%. In other words, the medical plan will pay 85% of the cost of care after you meet the deductible.

• Office visit copays will increase from $30 to $35 (primary care) and $40 to $50 (specialist care).

• Brand name prescription copays (30-day supply) will increase from $25 to $35 (preferred brand) and from $80 to $100 (non-preferred brand). Generic drug copays will remain $5.

• Medical and prescription drug out-of-pocket (OOP) maximums are being combined into a single OOP max of $3,600/person and $7,200/family. This combined amount is less than the total of our current individual OOP maximums.

 

What’s not changing

Our commitment to providing excellent coverage at an affordable rate is not changing:

• All services received at the MNPS Health Care Centers will remain zero cost to you.

• Mental health services will continue to be available at no cost to you.

• Medications for certain chronic conditions will remain a $0 copay.

• You’ll continue to have access to our many wellness programs at no additional cost (e.g., Foodsmart, Omada, Virta, Cylinder, Vanderbilt MyHealth bundles).

 

We believe offering generous benefits makes it easier for you to get the care you need, which, in turn, helps you and your family members stay healthy — and that lowers costs for everyone.

 

Still have questions? Call Employee Benefit Services at 615-259-8607, or send an email to benefits@mnps.org. 

 

Sincerely,