MMC Benefits Handbook
Kaiser Medical Plan Options
SPD and Plan Document
This section provides a summary of the Medical Plan (the "Plan") options available through Kaiser as of January 1, 2024.
This section, together with the Administrative Information section and the applicable section about participation, as well as the Kaiser Evidence of Coverage (EOC) forms the Summary Plan Description and plan document of the Plan.
Selecting a medical plan option for 2024 involves three key choices for eligible individuals.
  • Select one of three medical plan options. A range of coverage levels and costs is offered.
  • Select coverage for:
    • yourself only-- Employee
    • yourself and your spouse or domestic partner--Employee + Spouse
    • yourself and your child or children--Employee + Child(ren)
    • yourself, your spouse or domestic partner, and children—Employee + Family
  • Select your medical plan third party administrator (or carrier with respect to the insured programs):
    • All eligible individuals resident in any state except Hawaii may choose from among:
      • Aetna
      • Anthem BlueCross BlueShield (Anthem BCBS)
      • Surest
Information about the Aetna, Anthem BCBS and Surest administered medical plan options is covered in a separate section of the Benefits Handbook.
    • Eligible individuals resident in CA, CO, GA, MD, VA, OR, WA, and Washington DC, have an additional choice to consider:
      • Kaiser Permanente (Kaiser)
Note: This section of the Benefits Handbook provides information about the Kaiser administered medical plan options only.
    • Eligible individuals who are resident in Hawaii, may only choose between:
      • HMSA's Health Plan Hawaii Plus HMO (HMO)
      • HMSA's Preferred Provider Plan (PPP)
Information about the Hawaii medical plan options is covered in a separate section of the Benefits Handbook.
All medical plan options described in this section of the Benefits Handbook offer comprehensive health services.
References in this section to Marsh & McLennan Companies mean Marsh McLennan.
Note: Be sure to read about Health Care Flexible Spending Accounts (HCFSAs), Health Savings Accounts (HSAs) and Limited Purpose Health Care Flexible Spending Accounts (LPHCFSAs). Understanding these tax-advantaged arrangements may be important to your selection of a medical plan.
A Note about ERISA
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that governs many employer-sponsored plans including this medical plan. Your ERISA rights in connection with this Plan are detailed in the Administrative Information section.
Important Information About Your Personal Health Information
  • The Company does not collect, maintain, or report on any personal health information pertaining to you or any covered dependents.
  • As a participant in our health plan, your personal health information is protected by federal law.
  • Our medical Third Party Administrators (or carriers with respect to the insured programs) are required to protect your personal health information in accordance with federal law and data privacy agreements with the Company and/or plan fiduciaries.
  • Please note that states seeking to prohibit or limit certain services covered under Company-sponsored plans might attempt to challenge your right to privacy under federal law.  If a state's legal challenge is successful, there may be legal consequences associated with you procuring a service covered under a Company-sponsored plan that is or may become prohibited or limited under state law.  If you have any questions regarding potential risks, please seek professional legal advice.