2024 Plan Information
The best way to save money on health care is to stay healthy. But sometimes, illness or injury strikes. Whether you’re maintaining your good health or dealing with an unexpected medical flare up, here are some practical tips to reduce your out-of-pocket health care costs.
Did you know the price for the same health care service can vary significantly, even within the same ZIP code? Before seeking care, contact an Accolade Health Assistant for cost estimates for doctors, procedures, lab work or other services.
The health plans pay 100% for annual exams and certain screenings and services when you use in-network providers. And it’s easy to get exceptional preventive medical care for adults and children at One Medical.
Good to know: The dental plan covers two in-network checkups annually. And through the vision plan, a yearly in-network eye exam costs only $20.
In a true emergency, don’t hesitate to go to the ER. However, more than 25% of ER visits aren’t needed and can cost you thousands of dollars in unnecessary charges. For urgent care, consider:
Requesting three-month quantities of your maintenance (regular) medications reduces your prescription drug spend. Plus, did you know the Firm pays the full cost of certain generics to help with high cholesterol, diabetes, tobacco cessation and HIV prevention?
Good to know: Capsule Pharmacy offers free same-day delivery in many cities and suburbs (capsule.com/morganstanley).
Hospital-based labs and imaging centers can cost you significantly more than national groups like LabCorp and Quest.
From the Cigna and UnitedHealthcare sites, search for a nearby lab or imaging center.
Get a complimentary health assessment and health coaching to help you manage stress, lose weight and quit smoking.
Get started today with Cigna or UnitedHealthcare.
You’ll typically pay less when you use in-network providers. Plus, in-network providers take care of getting preauthorization for all services (something you have to do yourself if you go out-of-network). For help finding in-network providers, contact an Accolade Health Assistant.
At no cost to you, 2nd.MD offers expert second opinions to confirm your diagnosis or identify alternate treatment options.
Make informed decisions about your care.
Many expensive and dangerous illnesses, like the flu or chicken pox, can be prevented with vaccines. Log on to the Cigna and UnitedHealthcare sites to find out where to get a free flu shot near you.
Good to know: If your upcoming trip requires vaccinations, One Medical has you covered for free as part of your Firm-provided membership.
During benefits enrollment each fall, elect to contribute to a health care flexible spending account or health savings account to reduce your health care costs.
If you work in a New York metro office, take advantage of the Firm’s onsite amenities:
Please watch this important video on your 2016 Morgan Stanley Benefits.
