Medical Plan

The Morgan Stanley Medical Plan is designed to help you and your family maintain your health and well-being while managing medical expenses. U.S. benefits-eligible employees may select coverage administered by Cigna or UnitedHealthcare (UHC).

California
In addition to the national options through Cigna and UHC, employees who live in California may instead choose to participate in a regional medical plan option through Kaiser Permanente HMO (in-network coverage only). Note that there are separate options for Northern and Southern California, based on your ZIP code.

Hawaii
Employees who live in Hawaii may enroll in medical coverage through either HMSA Medical Plan or Kaiser Permanente HMO (both are in-network coverage only). Coverage through Cigna and UHC is not available in Hawaii.

Certain U.S. Expatriates and International Employees
The Cigna Global Health Medical Plan is available to certain employees. Contact HR Services for additional information.

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