Topic
MSB Employee Benefit: Medical Health Insurance
As a benefit of employment, the Borough offers health insurance coverage to eligible employees and their dependents.
Plan Options
The Borough offers three medical plan options. Each plan provides the same coverage, but they differ in monthly premiums, deductibles, and out-of-pocket maximums. The document below outlines these cost differences to help you choose the plan that works best for you. All health insurance contributions are deducted from your paycheck on a pre-tax basis.
July 1, 2026-June 30, 2028 - Employee Contribution Rates
Medical Insurance
What is covered on my plan?
Plan summary documents explain how your deductible works, how it contributes to your out-of-pocket costs, what percentage of services are covered, and which services are included or excluded from coverage.
Who can I see?
The Borough health plan is through Allied and primarily uses the Aetna network for providers. To ensure you are seeing an in network provider please visit your Allied portal* for more information.
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Visit Allied Portal
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Select Find Care
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Select Provider Search & Cost Lookup
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Search for specific doctor name, office name or specialty
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The search engine will provide a list of in-network providers
*Providence Hospital is out of network for all services.
Pharmacy Coverage
What medications are covered on my plan?
Pharmacies and health plans use a drug formulary, which is a list of medications that are covered under the prescription benefit. The formulary identifies which medications are covered, which may require additional review or authorization, and whether lower-cost or preferred alternatives are available.
For questions about prescriptions call 1-866-818-6911 or visit www.caremark.com.
Do I have to use CVS?
No, you are not required to use CVS to fill your prescriptions. However, using CVS is often more cost-effective for both the health plan and for you as a member.
CVS offers both in-store pickup and convenient mail-order delivery options.
They also offer a free maintenance medication program that may allow you to receive up to a 90-day supply of certain medications for the cost of a single 30-day copay.
For more information please visit www.caremark.com.
Health Reimbursement Account (HRA)
If you have chosen Plan 2 or Plan 3 you have access to a Health Reimbursement Account. This fund can be used to reimburse deductibles, coinsurance payments, medical and prescription drug copays and covered out of pocket expenses from the plan that are incurred by individuals who are covered under the plan.
For example, if you have your spouse and children on your plan they have access to the HRA as well. If you are on the plan alone then just you have access.
If you need to submit a receipt for reimbursement, fill out and follow the directions on the form below.
Contact
Nicole Kantrowitz
Healthcare Concierge