mDesign

Table of Content

  1. Header
  2. Overview of Health Benefits
    1. Welcome to your 2024 mDesign Benefits
    2. Eligibility & Qualifying Events
    3. Medical
    4. Medical Summary
    5. Prescriptions
    6. Virtual Visits
    7. Dental
    8. Dental Summary
    9. Vision
    10. Vision Summary
    11. Voluntary Life Summary
    12. Overview of Short Term & Long Term Disability
    13. 401(k) Retirement
    14. Employee Contributions
    15. Understanding your Benefits
    16. Additional Resources
    17. Contact Us
  3. Footer

Welcome to your 2024 mDesign Benefits

To Our Employees: 


We have made a conscious decision to offer you benefits because we care about you and your families, and we want to do everything we can to make sure you are taken care of. 


Once again this year, we conducted a thorough review of options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. A strong grasp of the plans available to you will best allow both you and this organization to get the most bang for our buck.  


To help you gain that strong understanding, please read this kit carefully and consult with Human Resources with any questions. 


Thank you for all that you do for us!



Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.


Medical Summary

Prescriptions

TRADITIONAL DRUGS

TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

TIER 2  | Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and have a higher copay.

TIER 3  | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay. Make sure to check for mail order discounts that may be available.

SPECIALTY DRUGS

TIER 4  | Lowest Specialty Drug copay: Tier 4 specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs in tier 5.


WHERE CAN I FIND A DRUG LIST?

Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.

You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.


On a maintenance medication, you take each month?

Use home delivery from Express Scripts PharmacySM or Wegmans Pharmacy. Your Rx is delivered to your door about eight days after your Rx is received. Delivery is free!

  • By Phone: 1-855-315-5220
  • Online: Express-Scripts.com


The differences in prescription drug costs are summarized here:




RX Summary

Managing Prescription Costs

Managing Prescription Costs

Prescription Overview

Prescription Overview

Dental Summary

Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.

Dental Summary

Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.


Vision Benefit Summary