Prescription Drug Coverage
The Morgan Stanley Medical Plan includes prescription drug coverage. If you elect Medical Plan Option A, B or C administered by UnitedHealthcare (UHC) or Medical Plan Option A or B administered by Cigna, your prescription drug coverage is administered by OptumRx. If you elect Medical Plan Option C administered by Cigna, your prescription drug coverage is administered by Cigna Pharmacy Benefits.*
Options A, B and C all generally cover the same prescription drugs. The major difference in prescription drug coverage is the annual deductible required before the coinsurance begins to share the cost of prescription drugs.
*If you participate in a regional Medical Plan option in California or Hawaii, prescription drug coverage is provided through the Medical Plan administrator. Please contact the Plan administrator or visit its website for information about prescription drug copays, preferred drug or formulary lists and managed drug programs.