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.
Plan Summary Documents
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.
Prescription Drug Coverage
CVS Drug Formulary - A summary of which medications are covered, which are not and which medications can be used in place of non-covered medications.
For questions about prescriptions call 1-866-818-6911 or 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.