Summary of Major Changes to Your Benefits for 2018
- Available Medical Plans to Change—MCPS no longer will offer Cigna medical plans or any closed Point-of-Service (POS) plan. MCPS employees will have the option of choosing from the following plans:
- CareFirst BlueChoice Advantage (POS)
- CareFirst BlueChoice HMO
- Kaiser Permanente HMO
We expect a smooth transition for current Cigna members since 98.4 percent of the doctors in Cigna’s network also are in CareFirst’s network. Unless you choose another plan during Open Enrollment, if you currently are covered by a Cigna medical plan, you automatically will transition to the same plan type with CareFirst on January 1, 2018, as indicated in the chart below.
|Current medical plan||Medical plan as of January 1, 2018,
if no selection is made during Open Enrollment
|Cigna Open Access Plus—Open (POS)||CareFirst BlueChoice Advantage (POS)|
|Cigna Open Access Plus—Closed (POS)||CareFirst BlueChoice Advantage (POS)|
|Cigna Open Access Plus In-Network (HMO)||CareFirst BlueChoice HMO|
- Tobacco-user Surcharge to Increase—The Wellness Initiatives smoker (tobacco-user) surcharge will increase to 25 percent, effective January 1, 2018.
- FSA Match Eliminated—MCPS no longer will match the first $100 of an employee’s contribution to a medical FSA.
- New Disease-Management Programs Introduced—Effective January 1, 2018, the CareFirst medical insurance plan will introduce two new disease-management programs to control and manage high cholesterol and hypertension. If you participate in the CareFirst medical plan and are diagnosed with either of these conditions, you may have your prescription copay waived during the next calendar year by—
- enrolling in CareFirst’s appropriate compliance program, and
- not missing any day of your prescription medication to treat the condition(s).
- Morphine Milligram Equivalent-Based Limits Adopted—In response to the opioid epidemic in the United States, CVS Caremark will adopt use of the Morphine Milligram Equivalent (MME). MME is a calculation that converts all opioids to the same units—a morphine equivalent dose—so that the total amount of opioids prescribed can be limited. The limits are based on guidelines recently published by the Centers for Disease Control. If a written prescription exceeds the allowed limits, physicians will need to contact CVS Health Prior Authorization department at 1-800-294-5979.
- Dental PPO to Cover Implants—CareFirst will cover dental implants through its Dental PPO plan. Coverage will be at 50 percent up to the plan maximum.
- Copay Increases—Copays for prescription drugs and emergency room and specialist visits will increase.
For more information, including frequently asked questions and answers about changes to MCPS-offered benefits for 2018, visit the Employee Benefits web page.