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We offer two medical plans which are administered by CIGNA, one of the largest health plan administrators in the nation. The first plan is an HMO and the other is an Open Access HMO.  With the HMO you will need to choose a primary care physician and you will also need to work strictly within the provider network for non-emergency care.  The Open Access HMO is much like a PPO in that you have out of network coverage for non-emergency care and you do not need to choose a primary care physician. 

To locate a provider near you, please go to the Tools section of this website.  Cost information can be found in the Costs section.

Please click on the links below to view plan details (note, you must have Adobe Acrobat Reader installed. If you are unable to open the documents, click here to download and install Acrobat Reader).

HMO Medical Plan Documents

• Medical Plan Evidence of Coverage - This is the legal definition of your medical plan; all of the details.
• HMO Plan Benefits - This is the summary description of your health plan; copayments, etc.
• Patient Protection and Affordable Care Act Grandfathering Information

Open Access Medical Plan Documents

• OAP Medical Plan Evidence of Coverage - This is the legal definition of your medical plan; all of the details.
• OAP Plan Benefits - This is the summary description of your health plan; copayments, etc.
• Patient Protection and Affordable Care Act Grandfathering Information

Other Information

• 24-Hr Assistance Flyer
• Convenience Care Flyer

HMO Mental Health Substance Abuse Amendment

• MHMRA of Harris County - MHSA Amendment Redline 1-1-12.pdf

CIGNA provides customer focused health care, dental and related benefits offered to individuals and through employers. Key product lines include: Health care and dental products and services as well as group disability, life and accident insurance.

• CIGNA Dental PPO Benefits
• CIGNA Dental HMO Benefits
• CIGNA Dental HMO Fee Schedule

Find a Dental Provider

• How to search for providers online
• CIGNA PPO dental providers
• CIGNA HMO Dental Providers

MHMRA of Harris County provides voluntary employee paid vision insurance through EyeMed.  This plan provides benefits for eye exams, eyeglasses, contact lenses, and contact lens fittings and evaluations.  To locate a provider near you please see the EyeMed link on the Tools page.  Note, you must have Adobe Acrobat Reader installed in order to view the documents below. If you are unable to open the documents, click here to download and install Acrobat Reader.

Vision Plan Documents

• Vison Plan Evidence of Coverage - This is the summary plan description of your vision plan; all of the details.
• Vision Plan Benefits - This is the summary plan description of your vision plan;copayments, etc. 
• Vision Plan Claim Form - To be used in the event that your provider will not file for you.

MHMRA of Harris County provides Long Term Disability (LTD) Coverage to all full time eligible employees.  LTD is an income replacement program that protects you and your family in the event that you become disabled and are unable to perform the material and substantial duties of your job. 

If an employee becomes disabled, the plan pays a benefit of up to 60% of covered monthly income for a maximum 5 year period. The minimum monthly benefit is the greater of $50 or 10% of gross disability payment. The maximum monthly benefit is $7,500. The plan includes a rehabilitation benefit which could pay for the costs associated with rehabilitation.

Long Term Disability income insurance helps you pay living expenses while you are unable to work.  While it is not designed to replace your income, it can help by providing cash or mortgage or rent payments, groceries, utilities and other necessary expenses.  

For more information, see the documents in the Forms section.

If you suffer a covered disability while insured by this plan, you will receive monetary benefits designed to help you maintain your normal lifestyle.

This program covers disabling injuries or sickness while off the job which last beyond the waiting period.

If you suffer a covered disability while insured by this plan, you will receive monetary benefits designed to help you maintain your normal lifestyle. This program covers disabling injuries or sickness while off the job which last beyond the waiting period.

This Short Term Disability Plan (STD) pays a benefit of up to 60% of your weekly covered earnings to a maximum of $2000 per week until the end of the 12 week benefit period for accident or the end of the 11 week benefit period for sickness, or until you no longer qualify for benefits.

MHMRA of Harris County offers a competitive Group Life and Accidental Death and Dismemberment (AD&D) insurance program, including both employer paid plans and employee paid programs from which you can choose to voluntarily supplement your life and AD&D insurance.

Basic Group Life and AD&D Insurance

Your Basic Life Insurance benefit is two times your salary to a maximum of $350,000.  The Basic AD&D benefit is three times your salary to a maximum of $350,000.  Basic Life and AD&D coverage is paid for by MHMRA.

Optional Voluntary Employee Group Life and AD&D Coverage

As an eligible employee, you may also purchase optional Group Term Life Insurance coverage for yourself in the amounts of 1x, 2x, 3x or 4x your annual salary. Maximum benefit is the lesser of 4x your annual salary or $500,000. Amounts of your salary are guarantee issue but only within your new hire election period. The guarantee issue amount is the lesser of 2x your annual salary or $200,000. If you choose to enroll after your her hire election period, (first of the month following 30 days of continuous employment), Evidence of Insurability will be required for any amount of voluntary life insurance. Additionally, amounts exceeding guarantee issue will always require that you complete and submit an Evidence of Insurability Form to the carrier to be approved for coverage. Employees pay the full cost of optional coverage based on the amount of coverage elected and their age. Optional Voluntary AD&D coverage is also available. For more information on Voluntary Life / AD&D coverage, please see the brochure in the Forms Section of the website.

Dependent Coverage

Employees who have elected and been approved, if applicable, for optional life insurance coverage for themselves are eligible to elect optional coverage for their spouse and children as well. You may purchase 100% of your annual salary up to $50,000 of Voluntary Group Term Life Insurance for your spouse; the amount you pay for the coverage is based on your own age. You may purchase 20% of your annual salary up to $10,000 for your children. Guarantee issue amounts are $30,000 for your spouse and $10,000 for children. Voluntary AD&D coverage is also available for your spouse and children. For more information on voluntary dependent coverage, please see the brochure in the Forms Section of the website.

Note: There is NO annual open enrollment for employee and dependent Voluntary Life and AD&D coverage!  This coverage is available without Evidence of Insurability ONLY when you are first eligible.   Please submit enrollment paperwork during your new hire enrollment period.

Conversion and Portability

In the event that you separate from service at MHMRA, you will have the option of converting your employee Group Basic Life Insurance amount that was in place at the time of your termination to an individual life policy.  You also have portability rights associated with your Voluntary Group Life Coverage.  Please see the Certificate of Coverage for more information on conversion and portability rights, including terms and conditions.

Beneficiary

It is important that you name a beneficiary to receive benefits from the life insurance plan in the event of your death. It is important to keep your beneficiary designation up to date and to let your beneficiary know about your MHMRA life insurance coverage.

Assistance is available to employees experiencing problems that may affect their attendance or work performance.  The EAP plan offers phone and individual counseling on personal, legal, financial, or substance abuse problems. 

All services are free, confidential, accessable 24 hours/day 365 days/year and accessable to your dependents and all members of your household.  For more information, please click on the link below or call 1-888-371-1125.

Employee Assistance Plan Documents

• Employee Assistance Plan Summary
• Employee Assistance Overview

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