Your health is everything. Mercury provides valuable benefits that help you and your family stay healthy and pay for care if you get sick or injured.

 

Overview

Our benefits program includes medical plan options with a range of coverage levels and costs, so you can choose the one that’s best for you. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. Review your rates and enroll at UltiPro.

2021 medical plans

Cigna OAP $aver plan
Cigna OAP Super $aver plan

Take charge of your spending through lower rates, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from Mercury) that you own for life.

Kaiser Permanente HMO
Kaiser Permanente Deductible HMO
Cigna HMO
Cigna HMO Select

Receive coverage for in-network care only, coordinated by your primary care provider (PCP).

Cigna OAP No Deductible

Enjoy greater predictability of costs through copays for most medical care and no deductible.

Key features at a glance

All our medical plans provide:

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Comprehensive, affordable coverage

for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.

Free in-network preventive care,

with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.

Prescription drug coverage

included with each medical plan. Prescription benefits are provided by Cigna.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

1 Available in California only

2 Available outside California only

 

Plan Comparison

$aver Plans

Cigna OAP $aver plan Cigna OAP Super $aver plan
In-Network Out-of-Network In-Network Out-of-Network
Mercury Insurance HSA contribution
Team Member Only $600 $600
Team Member + Spouse/Domestic Partner
$950 $950
Team Member + Child(ren)
$950 $950
Family $1,200 $1,200
Calendar year deductible
Team Member Only $1,500 $3,000
Team Member + Spouse/Domestic Partner $3,000 (or $2,800 for an individual enrolled in team member + SP/DP coverage) $6,000 (or $3,000 for an individual enrolled in team member + SP/DP coverage)
Team Member + Child(ren) $3,000 (or $2,800 for an individual enrolled in team member + child(ren) coverage) $6,000 (or $3,000 for an individual enrolled in team member + child(ren) coverage)
Family $3,000 (or $2,800 for an individual enrolled in family coverage) $6,000 (or $3,000 for an individual enrolled in family coverage)
Annual out-of-pocket maximum
Team Member Only $4,5001 $5,0001 $10,0001
Team Member + Spouse/Domestic Partner $6,8501,2 $10,0001,2 $20,0001,2
Team Member + Child(ren) $6,8501,2 $10,0001,2 $20,0001,2
Family $6,8501,2 $10,0001,2 $20,0001,2
Coinsurance and other services
Preventive care3 No charge; deductible waived Adults: not covered; children: 40% after deductible No charge; deductible waived Adults: not covered; children: 50% after deductible
Office visits 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Specialist office visits 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Hospital room and board 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Outpatient facility 20% after deductible 40% after deductible 30% after deductible 50% after deductible
X-ray/lab 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Chiropractic 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Emergency Room 20% after deductible 30% after deductible
Urgent care 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Maternity care 20% after deductible 40% after deductible 30% after deductible 50% after deductible
Prescription drugs – retail (30-day supply)4
Generic formulary $10 after deductible Not covered $10 after deductible Not covered
Brand formulary $30 after deductible Not covered $30 after deductible Not covered
Brand non-formulary $50 after deductible Not covered $50 after deductible Not covered
Prescription drugs – home delivery (90-day supply)4,5
Generic formulary $20 after deductible Not covered $20 after deductible Not covered
Brand formulary $60 after deductible Not covered $60 after deductible Not covered
Brand non-formulary $100 after deductible Not covered $100 after deductible Not covered

1 Includes the calendar year deductible.

2 If you’re enrolled in team member + spouse/domestic partner, team member + child(ren), or family coverage and you or one of your enrolled dependents meets the individual out-of-pocket maximum amount, the plan will pay 100% of eligible benefit costs for that individual.

3 Coverage for preventive health care also includes women’s preventive care (e.g., coverage for specified contraceptive methods and counseling; breast-feeding support and equipment; prenatal care; gestational diabetes screening; annual well-woman exam; and annual mammogram).

4The Cigna OAP $aver and the Cigna OAP Super $aver are the only Mercury medical plans that offers 100% coverage for eligible prescription drugs that treat asthma, diabetes, high cholesterol, and hypertension. This means that for eligible prescription drugs, team members and their families will receive free preventive prescriptions — with no deductibles or copays to meet.

5 You have access to 90-day supplies through Cigna 90 Now and Express Scripts

HMO Plans – California only

Kaiser Permanente HMO Kaiser Permanente Deductible HMO Cigna HMO Cigna HMO Select
(Southern CA only)
In-Network Only In-Network Only In-Network Only In-Network Only
Calendar year deductible
Team Member Only None $750 None None
Team Member + Spouse/Domestic Partner None $1,500 (or $750 for an individual enrolled in team member + SP/DP coverage) None None
Team Member + Child(ren) None $1,500 (or $750 for an individual enrolled in team member + SP/DP coverage) None None
Family None $1,500 (or $750 for an individual enrolled in family coverage) None None
Annual out-of-pocket maximum
Team Member Only $1,500 $3,000 $1,500 $1,500
Team Member + Spouse/Domestic Partner $3,0001 $6,0001 $4,5001 $4,5001
Team Member + Child(ren) $3,0001 $6,0001 $4,5001 $4,5001
Family $3,0001 $6,0001 $4,5001 $4,5001
Coinsurance and other services
Preventive care2 No charge No charge No charge No charge
Office Visits $20 copay $25 copay; deductible waived $25 copay $25 copay
Specialist office visit $35 copay $25 copay; deductible waived $35 copay $35 copay
Hospital room and board $250 copay per admission 20% after deductible $250 copay per admission $250 copay per admission
Outpatient facility $150 per surgical procedure 20% after deductible $150 copay $150 copay
X-ray/lab No charge $10 per encounter; deductible waived No charge No charge
Chiropractic Not covered Not covered $25 copay PCP/$35 copay specialist $25 copay PCP/$25 copy specialist
Emergency care $125 copay per visit; waived if admitted 20% after deductible $150 copay per visit; waived if admitted $150 copay per visit; waived if admitted
Urgent care $20 copay per visit $25 copay; deductible waived $25 copay per visit $25 copay per visit
Maternity Care No charge No charge $25 copay PCP/$35 copay specialist $25 copay PCP/$25 copay specialist
Prescription drugs – retail (30-day supply)
Generic Formulary $10 copay $10 copay; deductible waived $10 copay $10 copay
Brand Formulary $30 copay $30 copay; deductible waived $40 copay $40 copay
Brand Non-formulary $30 copay $30 copay; deductible waived $70 copay $70 copay
Prescription drugs – home delivery (90-day supply) 3
Generic Formulary $20 copay (up to 100-day supply) $20 copay ; deductible waived (up to 100-day supply) $20 copay (90-day supply) $20 copay (90-day supply)
Brand Formulary $60 copay (up to 100-day supply) $20 copay ; deductible waived (up to 100-day supply) $80 copay (90-day supply) $80 copay (90-day supply)
Brand Non-formulary $60 copay (up to 100-day supply) $20 copay ; deductible waived (up to 100-day supply) $140 copay (90-day supply) $140 copay (90-day supply)

1 If you’re enrolled in family coverage and you or one of your enrolled dependents meets the individual out-of-pocket maximum amount, the plan will pay 100% of eligible benefit costs for that individual.

2 Coverage for preventive health care also includes women’s preventive care (e.g., coverage for specified contraceptive methods and counseling; breast-feeding support and equipment; prenatal care; gestational diabetes screening; annual well-woman exam; and annual mammogram).

3 You have access to 90-day supplies through Cigna 90 Now (for the Cigna plans) and Express Scripts.

Cigna OAP No Deductible Plan

(Outside California only)

Cigna OAP No Deductible
In-Network Only
Calendar year deductible None
Team Member Only $1,500
Team Member + Spouse/Domestic Partner $4,5001
Team Member + Child(ren) $4,5001
Family $4,5001
Coinsurance and other services
Preventive care1 No charge
Office Visits $25 copay
Specialist office visit $35 copay
Hospital room and board $250 copay per admission
Outpatient facility $150 copay per facility visit
X-ray/lab No charge
Chiropractic PCP: $25 copay Specialist: $35 copay
Emergency Room $150 copay per visit; waived if admitted
Urgent Care $25 copay per visit
Maternity PCP: $25 copay; Specialist: $35 copay; Hospital: $250 copay per admission
Prescription drugs – retail (30-day supply)
Generic Formulary $10 copay
Brand Formulary $40 copay
Brand Non-formulary $70 copay
Prescription drugs - home delivery order (90-day supply)2
Generic Formulary $20 copay
Brand Formulary $80 copay
Brand Non-formulary $140 copay

1 Coverage for preventive health care also includes women’s preventive care (e.g., coverage for specified contraceptive methods and counseling; breast-feeding support and equipment; prenatal care; gestational diabetes screening; annual well-woman exam; and annual mammogram).

2 You have access to 90-day supplies through Cigna 90 Now and Express Scripts.

 

$aver Plans

The Cigna OAP $aver plan and Cigna OAP Super $aver plan offer low rates and high-deductible coverage. With these plans, you’ll save money when you choose in-network providers (check out the network provider infographic for details), though you also have the option to use out-of-network providers.

Both plans allow you to participate in a tax-advantaged Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices. As an added bonus, Mercury will contribute to your HSA — $600 for team member-only coverage, $950 for team member + 1 coverage, or $1,200 for family coverage.

How the Cigna OAP $aver plan and Cigna OAP Super $aver plan work

You pay the plan rates from your paycheck to have coverage.

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HSA

You can set aside tax-advantaged money from your paycheck and receive company contributions to help cover your costs — now, or in the future.

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Deductible

You pay 100% of your medical and prescription costs until you meet the annual deductible.

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Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.

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Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of eligible expenses for the rest of the year.

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Use your HSA to save money and plan ahead!

Contributing to your HSA is a great way to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!*

Keep in mind:
  • The Cigna OAP $aver plan and the Cigna OAP Super $aver plan costs you less from your paycheck, so you may have extra money available to put in your HSA.
  • You can only spend HSA money that’s actually been deposited into your account. If you don’t have enough money in your HSA when you need it, you can pay another way and reimburse yourself later so you take full advantage of your HSA’s tax savings.
  • You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses or want to save for your health care costs in retirement, set aside a little extra each paycheck so your balance can grow over time.
  • You can change your HSA contribution amount throughout the year as needed to keep up with any changes in your situation. 

*Contributions are not subject to federal tax. Exceptions include California and New Jersey, where you’ll pay state tax on HSA contributions, and New Hampshire and Tennessee where state taxes apply to tax dividend and interest earnings after a certain dollar amount. Consult with your tax advisor to understand the potential tax consequences of enrolling in an HSA. Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.

 

HMO Plans (CA only)

The Kaiser Permanente HMO, Kaiser Permanente Deductible HMO, Cigna HMO, and Cigna HMO Select plans provide coverage only when you receive care from providers within the HMO network. Your primary care provider (PCP) will coordinate your care to help manage costs.

How the HMO works
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Copay

You pay a set fee at the time of service for doctor visits and prescriptions.

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Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

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Cigna OAP No Deductible Plan (Outside CA)

The Cigna OAP No Deductible offers lower copays, no deductibles and lower out-of-pocket maximums in exchange for higher rates and staying within a specified network. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses.

How the Cigna OAP No Deductible works
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Copay

You pay a set fee at the time of service for doctor visits and prescriptions.

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No Deductible

You will not pay a deductible with this plan – you simply pay a copay for the services provided

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Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

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Save money with an FSA!

A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for health care. But, be sure to plan your FSA contributions carefully: the money in your FSA does not carry over to the next plan year; you must “use it or lose it.”

Do you have a PCP?

When you enroll in the Cigna OAP No Deductible, you (and each enrolled family member) have the option to select a primary care physician (PCP) from the network. A PCP isn’t required, though if you choose to select one, a PCP can help you manage all aspects of your health care. You have the right to designate any primary care provider who participates in the plan’s network and who is available to accept you or your family members. See how to find a doctor.

 

Prescription Drugs

When you enroll in a Mercury medical plan, you automatically receive prescription benefits through either Cigna or Kaiser Permanente depending on your choice of medical plan. Express Scripts is Mercury’s exclusive mail order and specialty pharmacy.

Drug tiers

 

The cost of your prescription drugs under each medical plan depends on the tier of the medication — generic, preferred, or non-preferred. All prescription carriers have a formulary, or list of preferred drugs based on effectiveness and cost.

 

 

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Generic formulary drugs

Same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness, but usually cost much less.

You pay: $

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Brand formulary drugs

Brand-name medications included on the formulary and favored by your prescription carrier.

You pay: $$

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Brand non-formulary drugs

Brand-name medications not preferred by your carrier. They may still be covered, but may require prior authorization and cost more.

You pay: $$$

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Specialty drugs

Complex drugs that are used to treat complex or rare chronic conditions and are often injectable or infused.

You pay: $$$$

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Save money on your prescriptions!

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save.

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  • Ask your doctor about generic formulary medications. Generic medications are generally just as effective as brand-name medications, but they typically cost between 80% and 85% less.
  • Use the home delivery program. If you take maintenance medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the convenience and cost savings of the home delivery prescription programs through Express Scripts and Cigna 90 Now program will save you time and money. With the Cigna 90 Now program, you can get 90-day fills of prescription drugs through the Cigna home delivery pharmacy, or at a retail pharmacy.

Prescription management programs

Your pharmacy benefits include several programs aimed at ensuring your safety and making sure you receive the most clinically appropriate and cost-effective medication.

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Formulary

Your pharmacy plan has an extensive listing of generic and brand-name prescription medications that offer the greatest overall value. This list will determine how your prescription will be covered. Keep in mind that the medications on the formulary may change as the result of regular reviews and updates.

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Cigna 90 Now program

Cigna plan members have access to Cigna 90 Now, a program that will help you save money and stay on track when refilling maintenance medications. With Cigna 90 Now, you pay less for a 90-day supply of medication than you would purchasing three 30-day supplies of medication at full price.

 
Use your prescription tools