Health
2023 Plan Information
From medical, dental and vision insurance to expert second opinions, 24/7 virtual care and a mental health benefit, our health offerings keep you and your loved ones healthy and protected through life’s ups and downs.
Physical Health
Morgan Stanley’s benefits fall into two categories:
- A select subset you elect during annual enrollment each fall for the coming year1. Additionally, a few benefits require you and your dependents participate in the Firm’s medical plan through Cigna or UnitedHealthcare; these benefits are marked with a dagger – † – below and in the Be In the Know benefits guide).
- Those – the majority – that do not require you to enroll and may be used at any time
If you have questions about your Firm benefits, contact an Accolade Health Assistant.
Your Menu of Choices
- One Medical: In-Person and Virtual Primary Care for Adults and Children
- Onsite Services (NY Metro): Health Centers, Physical Therapy, Fitness Centers, Etc.
- Medical Second Opinions
- Hospital Partnerships (NY Metro): Hospital for Special Surgery | Memorial Sloan Kettering Cancer Center | NewYork Presbyterian Hospital
- Hospital Partnerships (Nationwide): Locations where One Medical Operates
- Fitness Subsidy
Specialized Care
- Applied Behavioral Analysis (ABA) Therapy for Autism††
- Back, Spine and Joint Programs†
- Bariatric Surgery†
- Cancer Support Program†
- Chronic Condition Management†
- Diabetes Management and Support by Livongo†
- Family Building Benefit (Fertility services require enrollment in the Firm’s Medical Plan)
- Gender Affirmation Surgeries†
- Medical Travel and Lodging Benefit†
- Menopause Support by Maven
- Substance and Alcohol Abuse†
† Requires enrollment in the Firm’s Medical Plan through Cigna or UnitedHealthcare.
† † Requires enrollment in the Firm’s Medical Plan through Cigna, UnitedHealthcare, Kaiser or HMSA.
Elect These Benefits During Annual Enrollment Each Fall*
To learn more, review this enrollment guide.
Optional
Paycheck Deductions; Employees May Cover Themselves and Their Dependents1
- Medical
- Prescription Drug
- Dental
- Vision
- Flexible Spending Accounts: Health Care (Medical Plan Option A or B or No Firm Coverage2) | Limited Purpose (Medical Plan Option C) | Dependent Day Care
- Health Savings Account (Medical Plan Option C)3
- Supplemental Life
- Supplemental Accidental Death and Dismemberment
- Long-Term Disability
- Corporate Excess Disability
- Legal
- Accidental, Critical Illness and Hospital
Firm Provided
No Cost to Employees; Coverages Available Only to Employees, Not Dependents
* You may also enroll in Firm benefits as a new employee or newly benefits-eligible employees during your first 31 days. Additionally, following a life event, you may adjust your benefits within 31 days of the event (e.g., following a birth, marriage or divorce, or the loss of coverage through your parents when you turn 26).
1 Generally, employees may elect benefits for themselves, their spouse or domestic partner or children below the age of 26. For questions about eligibility, call HR Services at 877-674-7411.
2 Employees who do not enroll in the Firm’s medical plan, may elect to contribute to a Health Care Flexible Spending Account only if they do not participate in a high-deductible health plan.
3 Elect to contribute to a Health Savings Account at any time if you have elected Medical Plan Option C.