MMC Benefits Handbook
The Plan at a Glance
This Plan helps you and your family pay for medical care. You may pay a copayment for certain services. The chart below contains some important Plan features and coverage amounts. For more information, see the HMSA's Preferred Provider Plan-A Guide to Benefits. Go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Find a Document.
Plan Feature
Coverage Amount
Deductible
In-Network:
  • Employee: None
  • Family Members: None
Out-of-Network:
  • Employee: $100
  • Family Members: $300 maximum
Medical Out-of-pocket maximum
  • Employee $2,500
  • Family Members $7,500 maximum
Prescription Drug Out-of-pocket maximum
  • Employee $3,600
  • Family Members: $4,200 maximum
Copayments
In-Network:
  • Physician office/hospital visits: $12 copay/visit
  • Specialist visit: $12 copay/visit
  • Urgent care center: $12 copay/visit
  • Emergency room: 80% covered
Out-of-Network:
  • 70% covered after deductible (Out-of-network benefits are based on eligible charges)
  • Emergency Room: 80% covered (not subject to annual deductible)
Hospital Stay
In-Network:
  • 90% covered (based on a semi-private room)
Out-of-Network:
  • 70% covered after deductible
(Out-of-network benefits are based on eligible charges of a semi-private room )
Retail Prescription Drugs
In-Network:
  • Generic: $7 copayment, 30-day supply*
  • Preferred Brand-Name: $30 copayment, 30-day supply*
  • Other Brand-Name: $75 copayment ($30 plus a $45 other brand-name cost share), 30-day supply*
  • Preferred Specialty: $100 copayment, 30-day supply
  • Other Brand-Name Specialty: $200 copayment, 30-day supply
* Maintenance Prescriptions: In addition to the mail order option for obtaining maintenance prescriptions, you can also go to any pharmacy in the "90 Day at Retail" pharmacy network to obtain maintenance prescriptions. Retail benefit limited to a 30-day supply for preferred specialty and other brand-name specialty.
Out-of-Network:
  • Generic: Plan pays 80% after the $7 copayment for up to a 30-day supply
  • Preferred Brand-Name: Plan pays 80% after the $30 copayment for brand name prescriptions up to a 30-day supply
  • Other Brand-Name: Plan pays 80% after the $75 copayment ($30 plus a $45 other brand name cost share) for up to a 30-day supply
  • Preferred Specialty: Not Covered
  • Other Brand-Name Specialty: Not Covered
Mail-order prescription drugs
  • Generic: $11 copayment, 90-day supply
  • Preferred Brand-Name: $65 copayment, 90-day supply
  • Other Brand-Name: $200 copayment ($65 plus $135 other brand name cost share), 90-day supply
  • Diabetic Supplies: $65 copayment, 90-day supply
  • Preferred Specialty: Not Covered
  • Other Brand-Name Specialty: Not Covered
  • Out-of-Network: Not covered
Contact Information
Contact for Medical Service and Prescription Drug Coverage:
HMSA (Claims Administrator and Pharmacy Benefit Manager)
Phone: +1 808 948 6111
Website: www.hmsa.com
Marsh & McLennan Companies does not administer this plan. The Claims Administrator's decisions are final and binding.