MHMRA of Harris County is pleased to provide you with our new Employee Benefit Plan Information Portal. This will allow you the option of reviewing plan information at your own pace and in the comfort of your own home if you so desire. Our goal is to provide you with all the planning tools necessary to make informed decisions regarding your benefit coverage.
Your total compensation package includes many benefits that are largely paid for by MHMRA of Harris County on your behalf. We also offer access to optional, supplemental benefits that you can elect as part of your package if you think they will be beneficial. The premium for the voluntary plans will be paid for by you through payroll deduction.
Overall, we think you will agree that we offer an extremely competitive benefits program for our valued employees. You will better be able to use your benefits, though, if you understand them so please review this information carefully. Thank you!
Working together to build a healthier community.
Your Employee Benefits
MHMRA of Harris County provides a comprehensive benefit package designed to meet the needs of our employees and their families. We offer many benefits, including medical and dental coverage, a retirement plan, basic life insurance with AD&D and voluntary supplemental life and AD&D coverage available for you and your dependents as well. Also provided are long term disability coverage, a vision plan, an employee assistance plan, flexible spending accounts and Colonial individual policies.
You may view the MHMRA Benefits at a Glance here.
How to use this site
The tabs at the top of the web page will guide you through the basic plan information, link you to any forms you need to complete and then direct you through the steps in the enrollment process. Instant links to provider sites are also available to assist you. For questions regarding your benefits, please call your Benefits Helpline at: (888) 336-7463.
MHMRA of Harris County Benefit Plan General Disclaimer:
In accordance with the terms of the Employee Retirement Income Security Act of 1974 (ERISA) MHMRA of Harris County is including the following statements to comply with recent changes in regulation. The benefit charts included on this website are summaries only. They do not fully describe your benefit coverage. For details on your benefit coverage please refer to your Insurance Company’s Evidence of Coverage or Certificate of Insurance Booklet. The Evidence of Coverage or Certificate of Insurance Booklet is the binding document between the Insurance Plan and its members. For details on the benefit and claims review and adjudication procedures, please refer to the insurance plan’s Evidence of Coverage. If there are any disparities between benefit summaries included in this website and the insurance plan documentation, the plan documentation shall always prevail. It is the responsibility of the member to understand their own coverage prior to receiving care.
This site contains links to third-party websites. These sites are not owned or operated by Wells Fargo Insurance Services, Inc. or MHMRA. As such, the content cannot be verified or guaranteed. Wells Fargo Insurance Services, Inc. may not be held responsible for content of any third-party site.
You are eligibile to enroll in benefits on the first of the month following 30-days of full-time employment. Full-time employment is defined as a minimum 30-hour work week.
The benefits and rates shown in this site are for full time employees. Part time employees have access to benefits as well, though the rates and/or employee premium contributions will differ. Please contact HR for more information.
In order to enroll your legal dependents, you must provide proof of their relationship to you. Proof of legal dependent status includes a birth certificate and a marriage license. Proof of legal dependent status must be furnished within 30 days of date of hire. Failure to provide proof of legal dependents will result in denial of coverage for persons not validated in this manner.
If your hours are reduced below the 30-hour minimum threshold, you will be offered an opportunity to maintain your enrollment in the core programs at you own expense. Please download your initial COBRA notification to view your rights under COBRA.
If you return to full-time status within 30 days of having been terminated from employment, or due to a reduction in hours, your benefits coverage may be fully reinstated, though the employee will be required to pay for one month of premium.
Note that benefits could be reinstated for other purposes, such as return to duty after being called to serve in the military (USERRA) or family leave as defined by the Family Medical Leave Act (FMLA). Please see the Summary Plan Document for each plan to see how USERRA and FMLA apply.
Click on the blue menu bars to reveal detail of each plan.
Click on the blue bars to reveal the contents of each container.
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
HMO Mental Health Substance Abuse Amendment
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.
Find a Dental Provider
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
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.
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.
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
Form are in Portable Document Format (pdf) and may be viewed using Acrobat Reader. If you are unable to open the documents, click here to download Acrobat Reader.
CIGNA Medical Providers - You can click here to search for providers. Please note that after you indicate the area (zip code or address) in which you are looking for a doctor, you will then need to indicate a plan. The plan will either be HMO or Open Access Plus.
You may view your payroll deduction costs for benefits by clicking here. Note that the document may only be downloaded while logged in to the MHMRA Intranet site.
Help and Assistance...
Wells Fargo Insurance Services, Inc. Benefits Helpline.
Secure Enrollment ...
Use the link button, below, to login into the MHMRA secure enrollment site. Note that you must scroll to the bottom of the opening page, where you will be required to register with a unique username and password. Members MUST enroll for benefits online within 30 days of their change date or they will not be eligible until the next Open Enrollment period. Members MUST ALSO make any qualified changes to benefits during the year online within 30 days of the qualified Life Status Change Event.
If you have not yet registered for a username and password, you must do so the very first time. After clicking the Enroll Now! button, click the link, "Register Now" AT THE VERY BOTTOM of the enrollment login page.