Need help deciding on a  Cigna Medical or Dental plan?  Please contact the Cigna Pre-Enrollment Line at 1.888.806.5042.  Cigna will not pick a plan for you, however, they can provide valuable comparisons of the plans offered to you.

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 link 2022-2023 OAP to view the Plan Summary of Benefits & Coverage [07.01.2022-06.30.2023] 

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 you 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 link 2022-2023 HDHP 1500 to view Plan Summary of Benefits & Coverage [07.01.2022-06.30.2023]

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 link 2022-2023 HDHP 2500 to view Plan Summary of Benefits & Coverage [07.01.2022-06.30.2023]

If you enroll in one of the High Deductible Health Plans (HDHPs), you may qualify for a Health Savings Account (HSA).  This is a savings account that you own to help pay for qualified healthcare expenses not paid by any other health plan.

The eligibility requirements to open and contribute to a Health Savings Account (HSA) are mandated by the Internal Revenue Service (IRS), not by your employer. Individuals who enroll in an HSA but are later determined to be ineligible for that account, are subject to financial penalties from the IRS

.

It is an individual's responsibility to ensure that they meet the eligibility requirements to open an HSA account and to have contributions made to that HSA account, as outlined below:

By law, you are NOT ELIGIBLE for HSA contributions if you:

• are enrolled in Medicare, such as Medicare Part A, B, C, or D,
• are covered by another health care plan that is not an HDHP,
• can be claimed as a dependent on someone else's tax return,
• are enrolled in a general Health Care Flexible Spending Account (or covered by a spouse's FSA),
• are covered by a non-HDHP such as TRICARE and TRICARE For Life.

To qualify for the District's monetary contributions to an HSA you must be enrolled in a Mesa Public Schools HDHP.

The plan administrator does not provide tax advice and no inference may be made that the information contained here constitutes tax advice. The tax information contained in this document is for general guidance only and is subject to change due to changes in IRS rules and regulations. You can consult a qualified tax advisor with regard to any questions you may have about the tax effects of an HSA on your individual circumstances.