Prescription Drug Coverage

The Morgan Stanley Medical Plan includes prescription drug coverage. If you elect Medical Plan Option A, B or C administered by Cigna or UnitedHealthcare (UHC), your prescription drug coverage is administered by Express Scripts.

Medical Plan 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.

California and Hawaii

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.

Annual Deductibles

The annual deductible works differently depending on the Medical Plan option you choose. The Medical Plan Option A and B annual deductible is for your prescription drugs only (a separate annual deductible applies for medical costs); the Medical Plan Option C annual deductible includes medical and prescription drugs.

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