IMPORTANT! PLEASE READ!
For the 2023–2024 plan year, Cigna will continue as our medical plan provider. Please review this page for details about the changes that will take effect July 1.
DETAILS ABOUT YOUR 2023–2024 BENEFITS
Each year, we review our program to ensure we’re supporting you and your family with competitive, flexible and affordable benefits. Some of the following changes and enhancements are effective now and others will take effect July 1.
The Green Plan deductible and out-of-pocket maximum will increase in accordance with IRS requirements for embedded deductibles and out-of-pocket maximums.
The Green Plan deductible will be:
| In-network | Out-of-network | |
|---|---|---|
| For Employee Only coverage: | $3,000 | $6,000 |
| For Employee + Children coverage: | $3,650 | $7,300 |
| For Employee + Spouse coverage: | $4,500 | $9,000 |
| For Family coverage: | $6,000 | $12,000 |
The Green Plan out-of-pocket maximum will be:
| In-network | Out-of-network | |
|---|---|---|
| For Employee Only coverage: | $4,700 | $9,400 |
| For Employee + Children coverage: | $5,875 | $11,750 |
| For Employee + Spouse coverage: | $7,050 | $14,100 |
| For Family coverage: | $9,400 | $18,800 |
The premiums you pay for medical and dental coverage will increase.
Health care costs continue to rise as health issues increase across the U.S. and right here at Children’s Mercy. That means the cost to provide medical and dental benefits will increase. Children’s Mercy will continue to pay the majority of the cost, and we will make minimal increases to the premiums you pay for medical and dental coverage. Your vision plan premiums will not change for the 2023–2024 plan year.
Medical plan premiums for the Gold, Blue and Green Plans will increase between $1.00 and $16.00 per paycheck, depending on the plan and coverage you elect.
Dental plan premiums for the PPO Plus, Mid PPO and Low PPO Plans will increase between $0.00 and $2.50 per paycheck, depending on the plan and coverage you elect.
Here are your 2023–2024 monthly medical and dental plan costs.
Medical
| Gold Plan | Blue Plan | Green Plan | ||||
|---|---|---|---|---|---|---|
|
CM Pays Monthly | You Pay Monthly | CM Pays Monthly | You Pay Monthly | CM Pays Monthly | You Pay Monthly |
Employee Only |
$741 |
$211 (increase of $4 per paycheck) |
$741 |
$103 (increase of $1.50 per paycheck) |
$733 |
$63 (increase of $1 per paycheck) |
Employee + Child(ren) |
$1,151 |
$519 (increase of $10 per paycheck) |
$1,151 |
$329 (increase of $6.50 per paycheck) |
$1,140 |
$256 (increase of $4 per paycheck) |
Employee + Spouse |
$1,228 |
$669 (increase of $13 per paycheck) |
$1,228 |
$439 (increase of $8.50 per paycheck) |
$1,217 |
$355 (increase of $5 per paycheck) |
Family |
$1,790 |
$837 (increase of $16 per paycheck) |
$1,790 |
$514 (increase of $10 per paycheck) |
$1,773 |
$400 (increase of $5.50 per paycheck) |
The table above is for full-time, part-time benefits-eligible and weekend option employees (48 to 80 hours per pay period, or 0.6 and above FTE). Part-time employees scheduled to work between 32 and 47 hours each pay period pay the total cost for coverage under a Children’s Mercy medical plan.
Dental
| PPO Plus | Mid PPO | Low PPO | ||||
|---|---|---|---|---|---|---|
|
CM Pays Monthly | You Pay Monthly | CM Pays Monthly | You Pay Monthly | CM Pays Monthly | You Pay Monthly |
Employee Only |
$20 |
$23.00 (increase of $0.50 per paycheck) |
$20 |
$15 (increase of $0 per paycheck) |
$20 |
$5 (increase of $0 per paycheck) |
Employee + Child(ren) |
$25 |
$53 (increase of $1.50 per paycheck) |
$25 |
$38 (increase of $0.50 per paycheck) |
$24 |
$20 (increase of $0.50 per paycheck) |
Employee + Spouse |
$29 |
$57 (increase of $1.50 per paycheck) |
$29 |
$42 (increase of $1 per paycheck) |
$28 |
$20 (increase of $0.50 per paycheck) |
Family |
$36 |
$85 (increase of $2.50 per paycheck) |
$35 |
$61 (increase of $1.50 per paycheck) |
$37 |
$33 (increase of $0.50 per paycheck) |
The table above is for full-time, part-time benefits-eligible and weekend option employees (48 to 80 hours per pay period, or 0.6 and above FTE). Part-time employees scheduled to work between 32 and 47 hours each pay period pay the total cost for coverage under a Children’s Mercy dental plan.
The amount you can contribute to your Health Savings Account (HSA) will increase.
In 2023, you can contribute up to the annual IRS maximum – $3,850 if you cover yourself only and $7,750 if you cover dependents. This includes Children’s Mercy’s HSA contributions and your wellbeing dollars. If you’re age 55 or older, you can contribute an extra $1,000. Your contributions will be withheld from the first two paychecks of each month (24 pay periods).
The amount you can contribute to your Health Care FSA or Limited Purpose Health Care FSA will increase.
In 2023, you can contribute up to the annual IRS maximum – $3,050.
You must complete all Take CARE wellbeing activities by May 23.
This includes the Health Assessment, Health Screening and all other points-eligible activities. For a full list of activities, log in to the Virgin Pulse platform.
Need legal assistance? You can now choose the right coverage you need from MetLife (available during Annual Enrollment only).
You now have options when it comes to the legal assistance you need.
- The Legal Basic Plan, a new option available July 1, covers representation for many personal legal services for you and your eligible dependents. You can receive consultations in person or by phone for any personal legal matter and full representation in court for all covered matters. The Legal Basic Plan is $10 per month.
- The Legal Premier Plus Parents Plan includes the same coverage as the Legal Basic Plan, plus more. You can now include your parents on your plan, receive assistance with all legal aspects of divorce, and get tax preparation support. The Legal Premier Plus Plan is $21.60 per month.