New in 2022: Having a regular doctor is key to our ongoing health. Employees and their dependents enrolled in the Medical Plan through Cigna or UnitedHealthcare may take advantage of One Medical, a concierge medical practice that provides top-quality primary care to adults and children of all ages. Receive in-person care at 100+ locations across the US, or meet virtually with providers for non-emergency care 24/7. Morgan Stanley waives the membership fee to join One Medical. Standard in-network deductibles, coinsurance and out-of-pockets maximums apply. Most virtual care is free.