Morgan Stanley employees and their dependents enrolled in the Firm’s medical plan through Cigna or UnitedHealthcare may use Capsule for all prescription medications, including 90-day supplies of maintenance medications. If your dependents want to take advantage of the exclusive Morgan Stanley offerings – including 10% off over-the-counter medications – they should place orders through your Capsule account. Note: All US employees – whether enrolled in the Firm’s medical plan through Cigna or UHC or not – may use the 10% discount.