Cancer Support Programs

2023 Plan Information

Starting January 1, 2023, the window to register for this program (through Cigna and UnitedHealthcare) following a cancer diagnosis or enrollment in the Firm’s medical plan will be extended from 30 to 60 days.

Cancer Support Program

A cancer diagnosis can be stressful and overwhelming. If you have Medical Plan coverage administered by Cigna or UHC, the Plan administrators’ Cancer Support Programs can help you during this difficult time. The programs feature a team of highly trained and experienced nurses, social workers and board-certified oncologists who work to ensure you or your loved ones receive the best possible care. When you enroll in the program, you will be referred to Centers of Excellence, high-performing cancer facilities that are noted for obtaining the best outcomes. If you enroll within 60 days of diagnosis, you will also receive higher medical coverage. If you have met your annual deductible, timely use of the Cancer Support Programs ensures that the Plan covers 100% of your cost of treatments and procedures provided by in-network doctors and facilities.

MSK Direct – Guided Cancer Treatment Program

When you are faced with a cancer diagnosis, reliable information and comprehensive care are crucial. As a Morgan Stanley employee, you and your dependents have access to Memorial Sloan Kettering Cancer Center (MSK) – a top hospital for cancer treatment – through MSK Direct, guided cancer treatment program. MSK Direct gives you access to a team of dedicated professionals who specialize in cancer treatment. Experienced nurses, social workers and care advisors will be there to guide you through the process of getting care at MSK, and oversee your experience every step of the way.

Centers of Excellence

UnitedHealthcare and Cigna partner with top-ranked facilities across the country, called Centers of Excellence (COEs), to ensure you are getting quality care from leading practitioners. These Centers of Excellence strive to deliver the best results, employ leading practitioners and be on the forefront of research and clinical care.

UnitedHealthcare offers access to COEs for specialized conditions, including knee, hip and spine surgeries, cancer treatment, bariatric surgery, and substance and alcohol abuse treatment, along with clinical support programs for many of these conditions. If you enroll in the applicable clinical support program and use a COE for eligible services, you’ll also receive enhanced benefit coverage.

Cigna members also have access to COEs for specialized conditions, including substance and alcohol abuse treatment and cancer, along with a clinical support program for cancer treatment. If you enroll in the clinical support program and use a COE for eligible services, you will also receive enhanced benefit coverage.

Option A	Option B	Option C
Note
The figures in the chart below reflect what the Plan pays, with the exception of deductibles and out-of-pocket maximums, which employees pay.
Cancer Support Program
In-Network: 100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program. Out-of-Network: 60% after annual deductible	In-Network: 100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program. Out-of-Network: 60% after annual deductible	In-Network: 100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program. Out-of-Network: 60% after annual deductible
Individual Annual Deductible
In-Network: $600 Out-of-Network: $1,200	In-Network: $1,200 Out-of-Network: $2,500	In-Network: $2,300 (includes prescription drugs) Out-of-Network: $4,600 (includes prescription drugs)
Family Deductible
In-Network: $1,250 Out-of-Network: $2,500	In-Network: $2,500 Out-of-Network: $5,000	In-Network: $4,600 (includes prescription drugs) Out-of-Network: $9,200 (includes prescription drugs)

Option A

Option B

Option C

Note

The figures in the chart below reflect what the Plan pays, with the exception of deductibles and out-of-pocket maximums, which employees pay.

Cancer Support Program

In-Network:
100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program.

Out-of-Network:
60% after annual deductible

In-Network:
100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program.

Out-of-Network:
60% after annual deductible

In-Network:
100% covered after annual deductible if enrolled in program within 30 days of diagnosis. 80% after annual deductible if not enrolled in program.

Out-of-Network:
60% after annual deductible

Individual Annual Deductible

In-Network:
$600

Out-of-Network:
$1,200

In-Network:
$1,200

Out-of-Network:
$2,500

In-Network:
$2,300 (includes prescription drugs)

Out-of-Network:
$4,600 (includes prescription drugs)

Family Deductible

In-Network:
$1,250

Out-of-Network:
$2,500

In-Network:
$2,500

Out-of-Network:
$5,000

In-Network:
$4,600 (includes prescription drugs)

Out-of-Network:
$9,200 (includes prescription drugs)

Cancer Support Program Coverage

Upon enrolling in the program within 30 days of a cancer diagnosis and meeting your annual deductible, Morgan Stanley will cover 100% of the cost of all treatments and procedures provided by in-network doctors and facilities.

Out-of-Network Reimbursements

Out-of-network reimbursements are based on eligible expenses as determined by the Plan administrator. You are responsible for any payments required to the provider in excess of the reasonable and customary amount.

Amounts paid to out-of-network providers count toward the in-network and out-of-network annual deductible. The amount you pay toward your annual deductible is included in your out-of-pocket maximum.