MWG Medical Plan
The MWG Medical Plan, a self-funded health plan, utilizes Benefit Administrative Services as its TPA, the Cigna "Choice Fund PPO" for medical services, and Liviniti as its PBM.
Manage Your Plan
The MWG Medical Plan is comprised of three parts:
Secondary Insurance
AmFirst Premium Saver plan is managed via MWG's Client Portal
Find In-Network Providers
How does our plan work alongside a major medical plan?
The Primary Medical Plan has a $7,500 annual (In-Network) deductible for inpatient stays, outpatient surgeries, or treatments at facilities. When this deductible is applied to a claim, the Premium Saver Plan kicks in to reduce that deductible to $1,000.
After the deductible, the patient covers 20% of the charges until they've paid $1,500 in co-insurance. Either the Premium Saver or the Primary Medical Plan pays the remaining 80%. Once the total charges exceed the total Out-of-Pocket, the Primary Medical Plan pays the remaining allowable expenses.
Employees can use their HRA money to help pay for out-of-pocket expenses, such as copays, or they can allow the HRA funds to build up over time.
Most charges incurred in a Physician’s office or with filling any prescriptions are covered under an Office Visit Copay or a Prescription Drug Copay. Because these charges are not typically applied to the Annual Deductible of the Primary Medical plan, the Premium Saver will not pay any portion of the charges applied to a Copay.