2016/2017 Standard Plan (Cigna or UHC) In-Network Most other services, including inpatient and outpatient hospital and specialist visits

July 31, 2015

2016/2017 Standard Plan (Cigna or UHC) In-Network Most other services, including inpatient and outpatient hospital and specialist visits

In-Network:
80% after annual deductible

Prior proof of medical necessity may apply for certain services. Check with your health plan administrator to verify coverage and if preauthorization is required.

Out-of-Network:
60% of eligible expenses after annual deductible

Prior proof of medical necessity may apply for certain services. Check with your health plan administrator to verify coverage and if preauthorization is required.

Please watch this important video on your 2016 Morgan Stanley Benefits.