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Benefit Plan Options

Mesa Public Schools has maintained a commitment to offer the most comprehensive, cost-effective and competitive benefits package possible.  Our goal is to provide options that protect you, and the health and well being of your family while working to keep cost affordable.                                                                            Mesa Public Schools offers two different types of medical plans, two dental plans, vision and many other voluntary benefits.  Please take a moment to review offered plans.

What to consider when choosing a health plan...

Consider the following when choosing a health plan:

  • If you're healthy and usually go the doctor once a year, a lower monthly premium may be a good choice for you.
  • If you have a chronic health condition that would require you to go to your primary care provider (PCP) or specialist during the plan year, you must decide if savings from low premiums are greater than the cost of regular care or medication.
Carefully weighing the pros and cons of a high-deductible health insurance may help you find the coverage that's right for you.  In addition to saving you money, finding the plan for you can help ensure that you'll receive coverage for the health care you need, when you need it. 

 

Medical Plans

Cigna Logo

3 Plan Options                                     

Mesa Public Schools offers two types of medical plans; A traditional OAP plan [In-Network only] and two High Deductible Health Plans [HDHP] with a Health Savings Account [HSA].  In addition to the High Deductible Health Plans, the district contributes to the Health Savings Account on behalf of the employee.

To view medical plan cost comparisons:                            

Plan Year 2021-2022 (July 1, 2021-June 30, 2022)     To view video of Medical plan options click here  

OAP Plan

What is an Open Access Plus (OAP) plan?

Open Access Plus (OAP) is a type of health insurance plan or health benefits plan that allows you to choose your health care providers. You may have to pay a deductible (annual amount) before the plan begins to pay for covered health care costs. Once you meet your deductible, you pay a copay or coinsurance (a portion of the charges). 

The Cigna OAP Plan is a traditional in-network plan.  Cigna's OAP plan offers a local network of doctors and hospitals for you to choose from.  The OAP plan includes global emergency and urgent care coverage *24 hours, seven days a week.         

Click the links below to view the 

Plan Summary of Benefits & Coverage

2021-2022 OAP      [07.01.2021-06.30.2022]   

Dental Plans

2 Plan Options   

Mesa Public Schools offers two types of dental plans; A traditional DHMO plan [In-Network only] and a PPO plan with [In-Network & Out-of-Network services].       

Cigna DHMO Plan [In-Network Only]

Cigna's DHMO plan is an in-network only plan, and no cost to the employee.                          2021-2022 DHMO Dental                     [07.01.2021-06.30.2022]                         

The DHMO plans Patient Charge Schedule lists the benefits of the Dental Plan including covered procedures and patient charges. 

You will receive an ID card from Cigna if you elect the DHMO plan. 

Find a network Dentist:

Go to Cigna 

  • Under Search Location - enter your zip code
  • Under Select A Plan - click "Pick" - click Dental Plans - Select Cigna Dental Care Access - then click choose
  • In the Search box enter "Dentist"
Cigna PPO Dental Plan                                    [In & Out-of-Network Services]
                                                                          2021-2022 PPO Dental                               [07.01.2021-06.30.2022]

How to Find a Provider:

Go to Cigna 

  • Under Search Location - enter your zip code
  • Under Select A Plan - click "Pick" - click Dental Plans - Select Total Cigna DPPO - then click choose
  • In the Search box enter "Dentist"

No ID card will be issued if you elect PPO dental.

1500 High Deductible Health Plan [HDHP]

What is a high-deductible health plan? 

A high-deductible health plan (HDHP) is any health plan that typically has a lower monthly premium and a higher deductible than traditional plans. Here are some important details that can help you decide if a plan with a high deductible is right for you.            

Health Saving Account is a plus to your HDHP Health Plan!

The HSA is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.   

MPS contributes to the HDHP health plans on behalf of the employee with a 1x lump-sum contribution of $1000.00 for the plan year.  

The district contribution is a pro-rated amount for new employees, based on number of months on the plan.

Click the links below to view                           Plan Summary of Benefits & Coverage 

2021-2022 HDHP 1500                               [07.01.2021-06.30.2022]

Additional Health Savings Account Information

IRS HSA Annual Contribution Limits?                                     

Yearly contribution amounts are set by the IRS. 

HSA Contribution Limits                                                                         2021       2022       

Individual Coverage  $3,550    $3,600               

Family Coverage      $7,200    $7,250

Over 55 Catch Up $1,000


How much does the district contribute to the Health Savings Account annually?

The district will make a contribution on your behalf to your Health Savings  Account [HSA] in the following amounts:                                                 HDHP 1500                     HDHP 2500  $1000/$83.33 per mo.    $1500/$125 per mo.  **The district’s contribution amount will be pro-rated for New Hires based on the effective date of insurance coverage.


How do I figure out HSA contributions to avoid going over the annual contribution amounts?

Example:                                                             Single Coverage Limit $3,550.00

                                   -$1,000.00 (District Contribution)

                                    $2,550.00

Divide by  the # of payrolls in tax year              (not plan year).                                              Click here for 2021-2022 payroll schedule.        

January – June & September – December       The District's HSA Contribution is normally funded the first payroll of September.


Can HSA funds be used for my family members even if they are not enrolled on my plan?

Yes, HSA funds can be used for family members who are not enrolled if the service/expense is an IRS qualified expense.                                      Click here for a list of qualified HSA expenses

2500 High Deductible Health Plan [HDHP]

What is a high-deductible health plan? 

A high-deductible health plan (HDHP) is any health plan that typically has a lower monthly premium and a higher deductible than traditional plans. Here are some important details that can help you decide if a plan with a high deductible is right for you.            

A Health Saving Account is a plus to your HDHP Health Plan!

The HSA is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.     

MPS contributes to the HDHP health plans on behalf of the employee with a 1x lump-sum contribution of $1500.00 for the plan year. 

The district contribution is a pro-rated amount for new employees, based on number of months on the plan.

Click the links below to view 

Plan Summary of Benefits & Coverage 

2021-2022 HDHP 2500                          [07.01.2021-06.30.2022]

Vision Plan

VSP

Vision Service Plan is a green company and does not issue insurance cards.  When using your benefit all you need to do is provide your SSN and Group Number 12-140015 for billing. 

Vision Service Plan Web Site

VSP Benefits Summary

Vision Service Plan [VSP]                        Customer Service: 1-800-877-7195                MPS Group #: 12-140015                                  Website: www.vsp.com