- Cover the same medical services and prescription drugs
- Same network of providers
- Same coinsurance — or amount you pay for in-network services after you meet your deductible — of 20%
- In-network preventive care is covered at 100%
- Provide coverage for in- and out-of-network services, though your costs will be lower if you use in-network providers
- Protection from high medical costs with the out-of-pocket maximum
Please watch this important video on your 2016 Morgan Stanley Benefits.