2023 Open Enrollment

Morris Group’s offering of a zero-premium (no paycheck deduction) HDHP and increasing the employer contribution into the Health Savings Account (HSA) actually results in an increase in the company’s healthcare spend of about $2 million. The company made a strategic decision to introduce the zero premium HDHP with an HSA as a way to attract and retain talent as almost no other employer in our industry has a benefit offering as such. An HDHP with HSA is known as a “Consumer Directed Health Plan”, because it incentivizes users to become more conscious in how they consume healthcare and pharmacy services. Long term, Morris Group’s goal is for employees and family members to become better consumers of healthcare services, leading both the employee and the Company to experience reduced healthcare expenses. 

This is false, in almost all cases you will save with the Advantage HDHP/HSA Plan. With the zero dollar premium (no payroll deduction) you will have more money in your paycheck each pay period and therefore savings annually. See the full savings comparison chart here.

Morris Group will continue to offer three comprehensive medical plans for 2023. All three plans remain with Cigna, in the same network of providers with the same quality of care.

Preventive care is covered at 100% under all three of the Morris Group Plans. Preventive care includes services such as well-child visits, annual physicals, children’s vaccines, flu shots and more.

Morris Group, in partnership with Cigna, offers OneGuide, through mycigna.com. This free concierge service allows you to search for network providers by specialty, name or location and make an educated decision based on cost and patient ratings. Additionally, you can communicate with a customer service representative via text, chat, or phone for further assistance.

Everyone can enroll in the HDHP, regardless of age. However, there are IRS limitations related to being able to make or receive contributions into an HSA, regardless of whether they are employee or employer funded. The limitation is based on having first dollar benefit coverage for healthcare or prescription drug services, which Medicare provides. Upon turning age 65 if you enroll in any aspect of Medicare you’d become ineligible to make or receive contributions into the HSA account. That said, if upon turning 65 you don’t enroll in Medicare and don’t begin receiving Social Security benefits, you could enroll in the HDHP plan AND contribute to an HSA.