To support your health and your financial wellness, MSCI Inc. provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.
MSCI Inc. is proud to continue to offer highly competitive benefits in 2024, and our 85%/15% cost sharing remains significantly above national averages.
2024 medical plans*
MSCI Inc. offers you a choice of two medical plans nationally, administered by UnitedHealthcare. Both plans cover the same broad range of medical and prescription drug services. They differ in how much you pay for coverage and your out-of-pocket costs when you need care, so you have the flexibility to select the option that’s best for you. The Saver PPO features a tax-advantaged, portable HSA with a Company contribution to help you cover your out-of-pocket costs.
| Plan | Description |
|---|---|
| Saver PPO | This plan puts you in charge of your health care dollars through lower payroll contributions, higher cost sharing when you need medical care, and a tax-free Health Savings Account (HSA) (with contributions from MSCI Inc.) that you own for life. |
| Classic PPO | This plan reduces your out-of-pocket responsibility through lower cost sharing when you need care, but has higher payroll contributions and no HSA (or Company contributions) — although you can contribute to a Health Care Flexible Spending Account (FSA). |
*Note: Employees in Ann Arbor, Michigan have access to the Priority Health PPO Medical Plan. Certain employees in California may continue their coverage under the closed Kaiser Permanente Medical Plan. If you are currently eligible for or enrolled in one of these plans, you will receive an email with the 2024 plan design information and premium rates.
Key features
All of MSCI Inc.’s medical plans offer:
Comprehensive, affordable coverage
for a wide range of medical and prescription drug services.
Free in-network preventive care,
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
Prescription drug coverage
included with each medical plan.
Financial protection
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
2024 medical plan monthly employee payroll contributions
| Coverage tier | Saver PPO | Classic PPO |
|---|---|---|
| Employee Only | $118.67 | $141.23 |
| Employee + Spouse/Domestic Partner | $232.28 | $276.45 |
| Employee + Child(ren) | $195.82 | $233.06 |
| Employee + Family | $331.23 | $394.22 |
Note: Rates do not include spouse/domestic partner surcharge.
REMEMBER
If your spouse/domestic partner is eligible for other employer-offered coverage but chooses MSCI coverage instead, you’ll pay an additional $100 per month on a pre-tax basis.
| Saver PPO In-Network |
Saver PPO Out-of-Network |
Classic PPO In-Network |
Classic PPO Out-of-Network |
|
|---|---|---|---|---|
| Annual deductible | $1,600 individual $3,200 family |
$3,000 individual $6,000 family |
$500 individual $1,250 family |
$1,200 individual $3,000 family |
| Coinsurance (after deductible) |
Plan pays 80% You pay 20% |
Plan pays 60% You pay 40% |
Plan pays 80% You pay 20% |
Plan pays 60% You pay 40% |
| Annual out-of-pocket maximum (includes deductible) |
$3,000 individual $6,000 family |
$6,000 individual $12,000 family |
$3,000 individual $6,000 family |
$6,000 individual $12,000 family |
| MSCI Inc. contribution to HSA | $600 individual $1,200 if you cover dependent(s) |
N/A | N/A | |
| Physician and outpatient services: Your costs | ||||
| Preventive care office visit | Covered 100%* | You pay 30% after deductible | Covered 100%* | You pay 40% after deductible |
| Primary care office visit (for illness or injury) | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Specialist office visit | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Virtual visit | You pay 20% after deductible | n/a | You pay 40% after deductible | n/a |
| Urgent care center | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Emergency room | You pay 20% after deductible | You pay 20% after in-network deductible | You pay 20% after deductible | You pay 20% after in-network deductible |
| Lab/X-ray | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Outpatient surgery | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Hospital services: Your costs | ||||
| Semi-private room, physician services, surgery, X-rays, lab tests | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Mental health and substance abuse: Your costs | ||||
| Outpatient and inpatient | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Prescription drugs: Your costs | ||||
| Annual deductible | $1,600 individual $3,200 family (combined medical and prescription drug) |
$3,000 individual $6,000 family (combined medical and prescription drug) |
$50 individual $100 family (Applies to Tier 2 and Tier 3) |
$50 individual $100 family (Applies to Tier 2 and Tier 3) |
| Retail pharmacy (31-day supply) | ||||
| Tier 1 | $10 copay after deductible | $10 copay after deductible | $10 copay* | $10 copay* |
| Tier 2 | $25 copay after deductible | $25 copay after deductible | $25 copay | $25 copay |
| Tier 3 | $50 copay after deductible | $50 copay after deductible | $50 copay | $50 copay |
| Mail order (90-day supply) | ||||
| Tier 1 | $20 copay after deductible | Not covered | $20 copay* | Not covered |
| Tier 2 | $50 copay after deductible | Not covered | $50 copay | Not covered |
| Tier 3 | $100 copay after deductible | Not covered | $100 copay | Not covered |
*Deductible does not apply
The Saver PPO combines comprehensive coverage, lower payroll contributions, and an employee-owned Health Savings Account (HSA) to help you make smart use of your health care dollars and save tax-free for medical expenses. As an added bonus, MSCI Inc. will contribute to your HSA — $600 for employee-only coverage or $1,200 if you cover dependents. Any unused money rolls over from year to year, even into retirement. With this plan, you can see any provider you wish, but you will pay less when you stay in network.
How the Saver PPO works
You pay for your coverage through payroll contributions throughout the year.
HSA
You and MSCI INC. contribute tax-free money to your account to help cover your out-of-pocket health costs — now, or in the future.
Deductible
You pay 100% of your medical and prescription costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and MSCI Inc. share the cost of covered medical care and prescriptions, with the plan paying the majority.
Out-of-pocket maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Saver PPO and prescription drugs
With consumer directed health plans like the Saver PPO, the IRS requires that you meet the deductible before you pay copays for your prescription drugs. However, exceptions are made for certain preventive medications. To see the UnitedHealthcare Preventive Drug list.
Money-Saving Tip
Use the annual contribution MSCI Inc. makes to your HSA, as well as your own tax-free HSA contributions, to help you pay your deductible and other out-of-pocket costs.
The Classic PPO offers lower out-of-pocket costs in exchange for higher payroll contributions. With this plan, your expenses are more predictable, but you’ll still share the cost of your care through a deductible, coinsurance, and copays. You can see any provider you wish, but you will pay less when you stay in network. You may not enroll in an HSA, but you may contribute tax-free to a Health Care FSA. MSCI Inc. does not contribute to your FSA, and this account has a “use it or lose it” rule – you forfeit unused money each year.
How the Classic PPO works
You pay for your coverage through payroll contributions throughout the year.
Deductible
You pay 100% of your medical costs until you meet the annual deductible. (There is a separate deductible for Tier 2 and Tier 3 prescriptions.)
Coinsurance
After meeting the deductible, you and MSCI Inc. share the cost of covered medical services, with MSCI Inc. paying the majority.
Copay
You pay a copay for prescriptions. For Tier 2 and Tier 3 prescriptions, you must first meet a low prescription deductible.
Out-of-pocket maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
When you enroll in an MSCI Inc. medical plan, you will automatically receive prescription drug coverage.
Drug tiers
The cost of your prescription drugs under each medical plan depends on the tier of the medication. MSCI Inc. uses a three-tier prescription drug benefit design:
Tier 1
Generic drugs have the lowest cost and contain the same active ingredients as their brand-name equivalents. They also meet the same federal standards for safety and effectiveness.
Tier 2
Preferred brand-name drugs have a midrange cost and have been carefully reviewed and selected by medical professionals based on drug effectiveness.
Tier 3
Non-preferred brand-name drugs have the highest cost. There are typically several lower-cost but equally effective options in Tier 1 or Tier 2. Tier 3 medications may still be covered, but may require prior authorization and cost more.
Prescription drug programs that promote quality and value
Two prescription drug features help us manage costs while providing safe and effective drug therapy.
- Step Therapy Program: Prescription drug Step Therapy helps ensure that you receive appropriate, safe, and cost-effective drug therapy when you receive a new prescription. Step Therapy encourages the use of therapies that should be tried first, before other treatments are covered, based on clinical practice guidelines and cost-effectiveness. Visit the UnitedHealthcare website to see which medications are subject to step therapy.
- Ancillary Charge (Generic Incentive) Program: This program helps you save on the prescription drugs you and your family need, while allowing you to choose the medications you and your doctor feel are right for you. It encourages you to save money by choosing generic medications that offer the greatest value — with the same therapeutic results. If you choose a brand-name drug when a generic equivalent is available, you will pay the generic copayment plus the difference in cost between the generic and brand-name drug.
Mail order
If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — you can take advantage of the convenience and cost savings of using the mail order program.
Why use mail order?
- Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
- You save money with a reduced cost for a three-month supply.
- You can set up automatic refills.
Save money
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save:
- Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, but they typically cost between 80% and 85% less.
- Use the mail order feature. For ongoing maintenance medications, the mail order prescription program will save you time and money.
UnitedHealthcare website – At www.myuhc.com, you’ll find innovative tools that let you:
- Search for network providers.
- Estimate health care costs.
- Manage your claims.
- Track your expenses.
- Securely record, track, and store family health information.
Virtual Visits – You have access to medical advice from board-certified physicians 24/7, 365 days a year through UnitedHealthcare’s telemedicine service. Virtual Visits offer you fast, convenient diagnosis and treatment (including prescriptions) for a wide range of non-emergency conditions through video consult on your smartphone or computer. Most visits take about 10–15 minutes. Visit the UnitedHealthcare website to learn more.
As part of our Virtual Visits program, you have access to award-winning telemedicine services from Teladoc. Teladoc also offers behavioral virtual health visits for needs such as depression, anxiety, ADD and ADHD, addiction, mental health disorders and counseling. To get started, visit UnitedHealthcare or log on to the MyUHC app.
UHC Maternity Support Program – If you’re thinking about having a baby or have one on the way, the Maternity Support Program provides information and support throughout your pregnancy and after giving birth. The program offers access to a maternity nurse who is available to answer your questions and help you with your maternity and pregnancy needs. For more information, visit our Wellbeing page.
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.
UnitedHealthcare
- Visit the UnitedHealthcare website.
- Click on “Find a Doctor.”
- Click on “Find a physician, hospital or health care facility” or another category, depending on the type of provider you want to find.
- Follow the prompts to search for in-network care.
Get the most value from your medical plan and help reduce your health care spending by following these consumer-smart tips:
- Use in-network providers. They’ve agreed to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Also, check with your insurance company to ensure that a service is covered before you receive care.
- Keep up with preventive care. It’s covered in full and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
- Use tax-free money to pay for eligible health expenses. Contributing to a Health Savings Account (HSA) and/or a Flexible Spending Account (FSA) is easy and saves you money. You can set aside pre-tax dollars from your paycheck to use for your out-of-pocket costs.
- Shop smart for prescriptions. Using generic alternatives will almost always save you money — and they’re just as effective as brand name prescriptions. Also, try calling a few local pharmacies to compare prices before deciding where to fill a prescription. For your ongoing prescriptions, use the mail-order service to save money and time.
- Use your plan’s website. Log in to the UnitedHealthcare website to see how much of your deductible you’ve met, review claims, find in-network providers, use helpful cost-estimating tools, and more.
- Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation:
| Telemedicine | Doctor’s office | Urgent care clinic | Emergency room |
|---|---|---|---|
| Use it for | |||
| A common, non-emergency medical issue that can be diagnosed by phone or online | A condition that doesn’t need immediate attention and can wait until the next day | A condition that needs immediate care but is not life- or limb-threatening | A life-threatening or potentially crippling condition that needs immediate attention |
| Examples | |||
|
|
|
|
| Cost* | |||
|
Average price: $ $34 |
Average price: $ $0 (preventive); $176 (nonpreventive) |
Average price: $$ $229 |
Average price: $$$ $821 (minor); $1,644 (moderate); $3,069 (severe) |
| Find it | |||
| Virtual Visits through UnitedHealthcare | Call your regular doctor or search for an in-network provider on the UnitedHealthcare website | Search for urgent care clinics near you at urgentcarelocations.com | Call 911 or search online for the nearest hospital |
*Average costs are from healthcarebluebook.com. Contact your health insurance carrier for your specific costs.
5 tips to save money
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