Benefits Guide 2026
Table of Contents
2 Table of Contents 4 Glossary of Terms 6 Welcome to Your Benefits Enrollment Guide 7 Benefits Eligibility
9 Qualifying Life Events 10 When + How to Enroll 12 Medical Plan Options
13 Prescription Drug Benefits 14 How the Medical Plans Differ
15 What is a Health Reimbursement Account? 16 How Does My HRA Work with My Health Plan? 17 What is a Health Savings Account? 18 How is My HSA Funded & How Much Can I Contribute? 19 How Does My HSA Work with My Health Plan? 20 Wellness Incentive Program 21 Cigna Healthcare Programs & Resources 23 Medical + Prescription Drug Benefits At-a-Glance 24 2026 Medical Bi-Weekly Payroll Contributions
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26 Which Medical Planis Right for You? 28 Dental Plan Options 29 Vision Plan
30 Flexible Spending Accounts (FSAs) 31 HRA, HSA, FSA: What’s the Difference? 32 Life + Accidental Death & Dismemberment 35 Disability Benefits 36 401(k) Plan 37 Employee Assistance Program (EAP) 38 Voluntary Benefits to Supplement Your Medical Insurance 39 Additional Voluntary Benefits 40 MAA Associate Perks 41 MAA Associate Disaster Relief Fund 42 Open Arms 43 Get Connected 44 Benefit Contacts 45 Affordable Care Act + Important Health Plan Notices
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Glossary of Terms
Accidental Death and Dismemberment (AD&D) AD&D covers the unintentional death or dismemberment of the insured. Dismemberment includes the loss, or the loss of use, of body parts or functions (i.e., limbs, speech, eyesight, or hearing). Coinsurance Refers to the percentage of charges you and your plan will pay for covered services. For example, if your plan has a coinsurance split of 80/20, this means your plan will pay 80 percent of charges and you will pay 20 percent of charges. Copay Is a fixed dollar amount you pay for covered services in addition to what the plan pays. The copay is normally paid at the point of service. Deductible The amount you must pay for covered services before your plan coinsurance is applied. The deductible starts over every January 1. Embedded Deductible In a health plan with an embedded deductible, no single individual on a family plan will have to pay a deductible higher than the individual deductible amount. Once you meet the individual deductible, your plan coinsurance is applied. Embedded Out-of-Pocket Maximum In a health plan with an embedded out-of-pocket maximum, no single individual on a family plan will have to pay more than the individual out-of-pocket maximum amount. Once you meet the individual out-of-pocket maximum amount, your plan begins to pay 100% for the individual’s expenses for the remainder of the year. Flexible Spending Accounts (FSAs) FSAs allow you to set aside pre-tax funds from your paychecks to accounts that can be used to pay you for qualified medical or child care expenses. Formulary A formulary is a list of generic and brand name drugs covered by an insurance plan offering prescription drug benefits. Generic Drugs Medications created to be the same as an existing brand name medications in dosage, safety, effectiveness, strength and quality, but cost less. Health Reimbursement Account (HRA) An HRA is an employer-funded account offered in combination with a health plan. The money in your HRA is used to pay expenses applied to your health plan copays, deductible and coinsurance.
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Health Savings Account (HSA) An HSA is a tax-advantaged savings account offered in combination with a high deductible health plan. The account can be funded by your employer and you with pre-tax dollars from your paychecks. It comes with a debit card that can be used to pay qualified out-of-pocket medical expenses, such as those applied to your health plan deductible and coinsurance, as well as dental and vision expenses. High-Deductible Health Plan (HDHP) A health insurance plan with lower premiums and a higher deductible than a traditional health plan. You pay 100% of the cost of your non-preventive health care and prescription drugs until you meet your deductible. Once you meet your deductible, the plan coinsurance is applied. Preferred Brand Drugs Medications for which generic alternatives are not available and cost less than non-preferred brand drugs. Preventive Care Routine health care services to prevent illnesses, disease, or other health problems. It includes most vaccines, screenings and annual check-ups and is typically covered at 100% under health plans. Non-Preferred Brand Drugs Medications which cost more because there are alternative, lower cost generic or brand name drugs available. Out-of-Pocket Maximum A specific limit for the total amount you will pay for covered health costs during the plan year. This includes amounts applied as copays, deductible and coinsurance. If you meet the out-of- pocket maximum, your health plan will pay 100% of your covered health care costs for the rest of the year. Specialty Drugs High-cost medications used to treat complex, chronic conditions such as cancer, rheumatoid arthritis and multiple sclerosis.
Throughout the Benefits Guide, the orange hyperlinks will take you back to the glossary for definitions. The blue hyperlinks will take you to documents and external websites outside of this guide.
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Welcome to Your Benefits Enrollment Guide
Your Life. Your Choice. Your Benefits.
Dear MAA Associates,
At MAA, we know that taking care of our associates means supporting your whole self, at work and at home. One of the most meaningful ways we can support this is by offering a benefits program that gives you choice, flexibility, and peace of mind for you and your family. Our program — Your Life. Your Choice. Your Benefits — is designed to meet you where you are in life and to reward you for taking an active role in your health and well-being. Whether you’re new to MAA, enrolling for the first time, or reviewing your options during this year’s open enrollment, I encourage you to take time to explore what’s available and choose the coverage that fits you best. You and your family’s health & well-being and your financial security are important to us. We want you to have confidence knowing you have affordable access to quality care and resources whenever you need them. In addition to this guide, we have several tools and resources available to help you make the most of your benefits, such as: • ALEX ® – your virtual benefits counselor – can walk you through your options in a simple, interactive way to help you understand what works best for your needs. • The Cigna Healthcare Wellness Experience rewards associates and spouses covered under our medical plans with contributions to their Health Reimbursement Account (HRA) or Health Savings Account (HSA) for obtaining their preventive care and participating in healthy activities throughout the year. • AccessMAA – your one-stop shop for plan summaries, links to vendors, and additional resources. • The Benefits Team – here to help with any questions. You can reach them by calling (877) 277-2327 , submitting a Benefits Inquiry on AccessMAA , or emailing benefits@maac.com. As you review your 2026 benefits, I hope you’ll see our continued commitment to supporting your health, wellness, and future. Your dedication and commitment create a brighter view for all.
Take care of yourself and know how much you are valued and appreciated for choosing MAA every day.
Warm regards, Melanie
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Benefits Eligibility
The table on page 8 highlights eligibility for benefits and who pays for the coverage. If you are paying for all or part of the cost, the table also indicates whether your contributions are deducted from your paychecks before or after taxes are withheld. Most calendar years have 26 bi-weekly pay periods. Your cost will be deducted from each bi-weekly paycheck with the exception of the 27th pay period, when applicable (i.e. in 2026). Eligible Dependents you can cover include: • Legal spouse (same or opposite sex) • Child(ren) up to age 26, regardless of marital or student status. Eligible children include your biological children, stepchildren, adopted children or children placed in your home for adoption, foster children and children for whom you are the court-appointed legal guardian if that child is financially dependent on you. • A child of any age who is medically certified as disabled (prior to the child’s 26th birthday), resides with you and is primarily dependent upon your support. Please Note: When electing to cover a dependent spouse and/or child(ren) under MAAs medical, dental and/or vision plans, you have 30 days from your coverage effective date to submit documentation to verify the dependent(s) for which you elect to cover. Click here to review acceptable supporting documentation and eligibility requirements.
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Regular Associate
Temporary Associate
Part Time 20-29 HRS/WK
Part Time <20 HRS/WK
Part Time < 20 HRS/WK
Pre/ Post Tax
Full Time
Full Time
Who Contributes
Benefit
Vendor
Eligible to enroll the 1st day of the month on/after 30 calendar days of employment based on the eligibility chart below
Cigna/ Express Scripts
Medical/ Prescription Drugs
X
X
Pre-Tax You & MAA
Dental
Cigna
X
Pre-Tax You & MAA
You at Group Rates
Vision
Cigna
X
Pre-Tax
Flexible Spending Accounts (FSA)
WEX Benefits
X
Pre-Tax
You
Automatically enrolled the 1st day of the month on/after 90 calendar days of employment based on the eligibility chart below
Basic Life Insurance
Unum X
n/a
MAA
Basic Accidental Death & Dismemberment (AD&D)
Unum X
n/a
MAA
Short-Term Disability Long-Term Disability
Unum X
n/a
MAA
Unum X
n/a
MAA
Eligible to enroll the 1st day of the month on/after 90 calendar days of employment based on the eligibility chart below
Optional Employee, Spouse & Child Life Insurance Optional Employee, Spouse & Child AD&D Accident, Hospital Indemnity & Critical Illness Insurance
You at Group Rates
Unum X
Post-Tax
You at Group Rates
Unum X
Post-Tax
Cigna Supplemental Health
You at Group Rates
X
X
Post-Tax
You at Group Rates You at Group Rates
Pet Insurance
Pets Best
X
X
Post-Tax
Legal Insurance
ARAG
X
X
Post-Tax
Identity Theft Insurance You at Group Rates Automatically enrolled the 1st day of the month on/after 6 months of employment based on the eligibility chart below 401(k) Plan Empower X X X X X Pre-Tax You & MAA Eligible on date of hire Employee Assistance Program (EAP) Cigna X X X X X n/a MAA MAA Associate Perks BenefitHub X X X X X n/a MAA Auto & Home Insurance Farmers GroupSelect X X X Post-Tax You at Group Rates Norton LifeLock X X Post-Tax
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Qualifying Life Events After your initial enrollment period or a subsequent annual open enrollment period has expired, you cannot enroll in or make changes to your benefit elections until the next annual open enrollment period unless you experience a Qualifying Life Event, as defined by the IRS, such as: • Marriage, divorce or legal separation • Birth, adoption or placement of adoption or becoming the court-appointed legal guardian of a child(ren) • Death of your spouse or child • Gain or loss of coverage for you or your dependents with your spouse’s employer as a result of an employment event • Change in your child’s eligibility • Becoming eligible for Medicare or Medicaid • Receipt of a Qualified Medical Child Support Order (QMCSO) • Significant change in cost or coverage in your spouse’s or child’s health insurance plan • Gain or loss of benefits eligibility, such as a transition from full time to part time or part time to full time Changes made on account of a qualifying life event must be consistent with the event. You have 30 days from the date of a qualifying life event to notify the Benefits department and make changes to your benefit elections in Workday. Benefit elections made following a qualifying life event will become effective on the date of the event (such as the date of marriage or birth), in most situations. For questions or additional information, contact the Benefits department at (877) 277-2327 or send an email to Benefits@maac.com. Notice of Special Enrollment Rights If you are declining coverage for yourself and/or your eligible dependent(s) during your initial enrollment period or a subsequent annual open enrollment period because of other health coverage (such as COBRA coverage or coverage under another health plan), you may be able to enroll yourself and your eligible dependent(s) in MAA’s medical coverage if you or your dependents lose eligibility for such other coverage (such as due to the end of the maximum COBRA period, ceasing to meet the eligibility requirements or as otherwise required by law) or if employer contributions toward that other coverage cease. However, you must request enrollment within 30 days after loss of other coverage. If the other coverage ends voluntarily, such as due to failure to pay the required premiums, there is no right to special enrollment. If you or your dependent (1) becomes eligible for state-granted premium assistance or (2) lose health coverage under Medicaid or State Children’s Health Insurance Plan (CHIP), you will have a special enrollment right under MAA’s group medical plan. To enroll, you must request coverage within 60 days of either of these two events.
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When + How to Enroll
1. Determine if you are eligible and who you can cover. The table on page 8 highlights eligibility for benefits and who pays for the coverage. In addition, page 7 describes which of your dependents are eligible to be covered under most benefit plans.
2. Need help choosing your plans? We have the tools for you! ALEX ® , our virtual benefits counselor, provides jargon-free, personalized guidance on all MAA benefit plans in a light and engaging format that takes less than 15 minutes. ALEX can confidentially access your current year's medical spending (deductibles and out-of-pocket maximums) to give you a clear, side-by-side comparison of how much you've paid under your current plan versus what you could pay next year or once enrolled, whichever comes first. You can choose the multimedia (audio, video, animation, and text) ALEX Benefits Counselor or the streamlined, text-based ALEX Go which includes a family comparison tool and is available in both English and Spanish.
Click here to talk to ALEX.
The Cigna Healthcare Easy Choice Tool offers personalized decision support for medical and dental plans. By entering information about your coverage needs and preferences, the tool quickly displays a side-by-side comparison of plan options based on both costs and provider network results. Click here or visit decisionsupport.cigna.com. Since medical premiums vary based on years of service, enter the access code below that applies to you.
Less than 1 Year of Service: HSGB-8281 1 Year of Service: TITR-8581 2-4 Years of Service: RZXZ-6585 5-7 Years of Service: MHFF-4937
8-9 Years of Service: STPX-0320
25-29 Years of Service: HOIR-2137 30-34 Years of Service: DHID-1988 35-39 Years of Service: AOIT-9725 40+ Years of Service: SVLW-3494
10-14 Years of Service: JRUE-1976 15-19 Years of Service: DKNQ-3592 20-24 Years of Service: RGRR-5538
Please Note: ALEX and the Cigna Healthcare Easy Choice Tool are decision support tools, not enrollment platforms. You must make your benefit elections through the applicable event in Workday (i.e., New Hire Enrollment, Open Enrollment, or an enrollment for a qualifying life event).
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3. Make your benefit elections in Workday. New Hire Enrollment:
If you are a new associate, you have 30 days from your date of hire to complete the New Hire Enrollment event that will be delivered to your inbox in Workday after one week of employment.
Review the benefit plans for which you are eligible and “Waive” or “Select" coverage under each plan for the 2026 plan year. If you do nothing, your elections will default to “Waive” for all benefit plans, with the exception of the plans for which you will be automatically enrolled, as indicated in the table on page 8. Open Enrollment : If you are an existing associate, you have from November 1 through November 15, 2025 to complete the Open Enrollment event in your inbox in Workday and submit your benefit elections for the 2026 plan year. Elections for all FSA plans will default to “Waive” for the 2026 plan year. Read more about the FSAs on page 30. If you do nothing during Open Enrollment, your current benefit elections, with the exception of Flexible Spending Accounts (FSAs), will carryover for the 2026 plan year.
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Medical Plan Options
Cigna Choice Fund HRA + Cigna Choice Fund HSA MAA offers two medical plan options through Cigna - the Choice Fund HRA Plan and the Choice Fund HSA Plan. These plans share common features but differ in what you pay when you use the plan and the amount you pay through your paychecks. Each plan comes with an account that can be used to pay for certain health care expenses. It is important to take the time to understand how each plan works and what you can expect to pay so you can choose the plan that best meets your needs. Plan Links Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HRA Plan. Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HSA Plan. Both Plans Share Common Features: • Access to participating providers and hospitals in Cigna’s Open Access Plus (OAP) Network. • Flexibility to receive care in- or out-of-network. However, when you receive in-network care, your costs are lower. • Routine Preventive Care covered at 100%. • Coverage for the same types of services. • Once you meet the Deductible, coverage is shared with the plan in a Coinsurance arrangement until an Out-of-Pocket Maximum is met. • When you meet the Out-of-Pocket Maximum, the plan pays 100% for covered medical and prescription drug expenses for the remainder of the calendar year. • Prescription Drug coverage managed and administered by Express Scripts. • Cigna’s Health Programs and Resources found on pages 21 and 22. Digital ID Cards Once enrolled, you and your covered dependents, if applicable, can access your digital ID cards through myCigna.com and the myCigna mobile app. Both the website and the mobile app offer convenient, timely access to ID cards, as well as many other features to help you manage your health, claims, HRA/HSA, wellness incentives, and more.
Click here to learn how to access your digital ID card.
If you would like to request a physical ID card for yourself and your covered dependents, if applicable, you can do so any time on myCigna.com or by calling Cigna at (800) 244-6224.
SPECIAL NOTE FOR ENROLLMENTS EFFECTIVE JANUARY 1, 2026: New ID cards will be issued and mailed by Cigna in December 2025 to associates and dependents covered under medical effective January 1, 2026 as a one-time exception due to the change in administration of prescription drug benefits from Cigna to Express Scripts. Going forward, if you need a physical ID card, you must request it through Cigna.
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Prescription Drug Benefits MAA’s medical plans include benefits for prescription drugs, which are managed and administered by Express Scripts. Members can conveniently fill prescriptions through Express Scripts home delivery or at a nationwide retail pharmacy in the Express Scripts network.
Accessing Your ID Card(s):
• Medical/Prescription ID Card: Once your enrollment is processed by Cigna, you can access your digital, combined ID card - which includes information for both medical and prescription benefits – for yourself and your covered dependents (if applicable) through the myCigna.com website or myCigna mobile app. • (Optional) Prescription-Only ID Card: You may access your digital prescription-only ID card for yourself and your covered dependents (if applicable) directly on the Express Scripts website (express-scripts.com) or mobile app. Note: Both ID cards include the necessary information to fill prescriptions, but it is not necessary to use the prescription-only ID card through Express Scripts. Managing Your Prescription Benefits: You can manage your prescription benefits, - including checking coverage, pricing a medication, and setting up home delivery - by registering your account with Express Scripts, either through the website (express-scripts.com) or the mobile app.
• Click here to view the 2026 Express Scripts National Preferred Formulary.
• Click here to learn more about the 90-Day Supply Program and here for the FAQ.
• Click here to learn more about Accredo, a specialty pharmacy that provides focused care for specialty medications associated with complex or chronic health conditions.
SPECIAL NOTE FOR ASSOCIATES ENROLLED IN MEDICAL PRIOR TO JANUARY 1, 2026 AND CONTINUING COVERAGE IN 2026: You will need to present your new combined Medical/Prescription ID card (as mentioned above) at the pharmacy as of 1/1/2026 as it will contain new pharmacy benefit information.
You will also receive a Welcome Kit in the mail from Express Scripts.
Automatic Refill Transfers: If you use home delivery, your remaining refills will, in most cases, automatically transfer to Express Scripts Pharmacy. If your refills don’t automatically transfer, contact Express Scripts using the phone number listed on the back of your new ID card. Be sure to have your new prescription ID number ready.
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How the Medical Plans Differ
Choice Fund HRA Plan
Choice Fund HSA Plan
Highest payroll contributions
Lowest payroll contributions
Lowest Deductible
Highest Deductible
You pay a Copay when you visit a doctor's office or an urgent care facility for covered services that are not considered Preventive Care. You pay Coinsurance for prescription drugs up to a certain amount. For all other covered services that are not considered Preventive Care, you pay 100% until you meet your Deductible. When one or more dependents are covered under this plan, the plan includes an Embedded Deductible. When expenses are applied toward an Embedded Deductible, they are also applied toward the shared family Deductible. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out-of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum. You will not pay more than this amount in a calendar year for any individual covered under the plan.
You pay 100% for most prescription drugs, doctor visits, and all covered services that are not considered Preventive Care until you meet your Deductible. Click here to see a list of examples of commonly prescribed preventive medications that may be covered under this plan at 100%.
When one or more dependents are covered under this plan, the family Deductible is shared. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out-of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum, which means you will not pay more than this amount in a calendar year for any individual covered under the plan.
The plan comes with a Health Reimbursement Account (refer to pages 15 and 16 for more information).
The plan comes with a Health Savings Account (refer to pages 17-19 for more information).
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What is a Health Reimbursement Account?
A Health Reimbursement Account, or HRA, is an employer-funded account offered in combination with the Choice Fund HRA health plan that is used to pay covered expenses applied to your health plan Copays, Deductible and Coinsurance. The account is administered by Cigna and funded by MAA, as indicated below.
How is My HRA Funded?
Automatic HRA Contribution for Employee + Child(ren) Coverage Level
Automatic contribution upon enrollment and January 1 of each year thereafter
$250 per year
Earned HRA Contributions for Employee + Covered Spouse
Through the Cigna Healthcare Wellness Experience, you and your covered spouse (if applicable) can earn contributions from MAA by completing various wellness-related activities. Read more on page 20.
Up to $400 each per year
Unused funds in your HRA carryover at the end of each year with no limit, as long as you remain covered under the Choice Fund HRA Plan. If your coverage terminates under the Choice Fund HRA plan, you forfeit any unused funds in your HRA.
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How Does My HRA Work with My Health Plan?
1.
When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care, below is what you can expect to pay at the time of service.
MDLive
$20 Copays $30 Copays $40 Copays $50 Copays
PCP Visit
Specialist Visit Urgent Care visit
Pharmacy
Coinsurance, up to a certain amount, as indicated on page 23
Coinsurance for which you are responsible. 2.
Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies any Copays, Deductible or
3.
If there are funds available in your HRA, Cigna will use the funds to:
• Pay the provider or pharmacy for expenses applied to your Deductible or Coinsurance. • Reimburse you by check for a Copays paid at the time of service. If there are no funds available in your HRA, you must pay the provider the amount for which you are responsible that was not paid at the time of service.
4.
Cigna provides an Explanation of Benefits (EOB) to you and the provider outlining the details of your claim including the amount paid to the provider by your plan and from your HRA, and any amounts applied to your Copays, Deductible or Coinsurance for which you are responsible.
myCigna.com or by calling Cigna at (800) 244-6224. 5.
Information regarding your HRA, health care claims and benefits are available on
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What is a Health Savings Account?
A Health Savings Account, or HSA, is a personal savings account that works in combination with a High-Deductible Health Plan (HDHP), like the Cigna Choice Fund HSA Plan, and can be used to pay for qualified medical, dental and vision expenses. You and MAA can contribute to your account, up to the federal limits. Your contributions to the account, the interest your account earns and withdrawals you make for qualified expenses are tax free, making it a triple tax- advantaged account. Additional advantages of an HSA include: • Annual Rollover: If you have money left in your HSA at the end of the year, it rolls over to the next year. • Portability: The money in your HSA remains available for future qualified expenses, even if you change health insurance plans, leave MAA to work for another employer or retire. • Convenience: A debit card will be issued so you can pay for prescriptions and other eligible expenses right away. If you wait for a bill to come in the mail, you can make a payment online, by mail or phone using your HSA debit card. Am I Eligible for an HSA? You must meet the following IRS requirements to be eligible for an HSA: • You must be enrolled in a HDHP, like the Cigna Choice Fund HSA health plan. • You must not be covered under another health plan, including Medicare Parts A and B and TRICARE. • You must not be participating in a Medical Flexible Spending Account (FSA) that reimburses for medical expenses unless it is limited to work with an HSA (for example, a Limited FSA for dental and vision expenses as described on page 30). • You must not be claimed as a dependent on another person’s tax return.
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How is My HSA Funded & How Much Can I Contribute?
By You
By MAA
MAA will make a contribution to your HSA upon enrollment and every January 1 thereafter equal to $100 for single coverage (Employee Only) and $300 for family coverage (Employee + Spouse, Employee + Child(ren), Employee + Family). When you and your covered spouse (if applicable) complete various wellness-related activities through the Cigna Healthcare Wellness Experience, MAA will make contributions to your HSA as a reward for taking an active role in your health, up to $600 each per year. Read more on page 20.
You can fund your HSA every pay period with pre-tax payroll contributions. You may change your contribution any time during the year in Workday. You can fund your HSA at any time by making a deposit with after-tax dollars.
The sum of contributions made by you and MAA cannot exceed the federal limit, as indicated in the table below.
IRS Annual Contribution Limits for HSAs
2025
2026
Single Coverage (Employee Only)
$4,300
$4,400
Family Coverage (Employee + Spouse, Employee + Child(ren), Employee + Family)
$8,550
$8,750
Additional Catch-Up Contribution (Age 55-65)
$1,000
$1,000
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How Does My HSA Work with My Health Plan?
Cigna Choice Fund HSA Plan
Health Savings Account
Once enrolled, you will present your digital ID card through myCigna.com or the myCigna mobile app when you obtain medical care or fill a prescription for claim processing purposes.
Upon enrollment, an HSA will be opened with the initial contribution from MAA and maintained on your behalf through HSABank. You will receive a Cigna Choice Fund Health debit card and welcome kit from HSABank. You can use this card to pay for eligible out-of-pocket expenses at or after the time of service.
You decide how and when to use the money in your HSA, up to the amount available in your account. You can use your HSA debit card to pay for qualified medical, dental and vision expenses at the time of service or upon receipt of a bill from a provider. You can also save the money in your HSA to use for future qualified expenses, even during retirement. You won’t need to submit documentation to substantiate the charges made to your HSA debit card, but it’s important to keep your receipts for all expenses paid from your HSA for tax and record keeping purposes. When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care , you will pay 100% of the cost of medical care and prescription drugs, at the time of service or your provider will bill you directly, until you meet your Deductible. Once you meet your Deductible, you will pay a portion of your covered expenses and the plan will pay the rest (Coinsurance) until you reach your Out-of-Pocket Maximum . 1.
2. 3. 4. 5.
Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies your Deductible or Coinsurance that you are responsible for. If there are funds available in your HSA, you decide whether or not to use the funds to pay all or a portion of the qualified expenses that you are responsible for, including amounts applied to your Deductible and Coinsurance. If there are no funds available in your HSA, you must use another form of payment to pay the provider the amount that you are responsible for. Cigna provides an explanation of Benefits (EOB) to you and the provider outlining the details of your claim, including the amount paid to the provider by your plan and any amounts applied to your Deductible and Coinsurance that you are responsible for. Information regarding your HSA, health care claims and benefits are available on myCigna.com or by calling Cigna at (800) 244-6224.
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Through the Cigna Healthcare Wellness Experience, associates and spouses covered under our medical plans will have the opportunity to earn rewards from MAA in the form of contributions to their HRA or HSA* by completing various wellness-related activities throughout the year. • Associates and spouses covered under the Cigna Choice Fund HRA plan will be able to earn up to $400 each per year. • Associates and spouses covered under the Cigna Choice Fund HSA plan will be able to earn up to $600 each per year. Wellness Incentive Program
*A reward is typically deposited into your HRA or HSA within 4 weeks of the date you completed the activity.
Below is a list of some of the activities included under the program, broken down by category. Click here for a complete list of activities along with the dollars earned and earning frequency for each activity.
You can track your wellness activities when logged into myCigna.com. Click here to read the Notice for MAA-Sponsored Wellness Program.
Health Assessment & Biometric Screening
HRA
HSA
Action
Frequency
Dollars Earned
Complete the Health Assessment
$50
$50
Once per year
Complete a Biometric Screening
$50
$100
Maximum Category Total
$100
$150
Biometric Outcome
HRA
HSA
Action
Frequency
Dollars Earned
Complete the Health Assessment
Once per year
$50 each
$50 each
Maximum Category Total
$100
$150
Preventive Care
HRA
HSA
Action
Frequency
Dollars Earned
Annual Physical
$50
$100
Pap Smear
$50
$100
Mammogram
$50
$100
Colon Screening/Stood Test
$50
$100
Once per year
Prostate Cancer (PSA)
$50
$100
Flu Shot
$50
$50
Bone Density Test
$50
$100
Cigna Dental Exam
$50
$100
Maximum Category Total
$100
$200
Wellness Activities
HRA
HSA
Action
Frequency
Dollars Earned
Refer to the complete list of activities Refer to the complete list of activities
$5-$25 each
$5-$25 each
Maximum Category Total
$200 HRA
$200 HSA
Cigna Healthcare Activities
Action
Frequency
Dollars Earned
Refer to the complete list of activities Refer to the complete list of activities
$10-$200 each
$10-$200 each
Maximum Category Total
$200
$300
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Cigna Healthcare Programs & Resources myCigna Register on myCigna.com and download the myCigna mobile app to conveniently access your digital ID card and information regarding your health plan while on the go. Through the myCigna mobile app, you can: • View , share, print or save your digital ID card(s) in your Apple Wallet (if applicable) • Find in-network doctors and compare cost and quality ratings
• Review your coverage • Manage your claims • Track the expenses applied to your deductible and out-of-pocket maximum as well as your health fund (HRA or HSA) activity Virtual Care Sometimes all it takes is one extra hurdle - like a long wait time, difficulty finding a provider or the hassle of taking time off work - to delay a necessary appointment for care which can lead to more serious health issues. No matter where you are, you can see board-certified doctors and clinical specialists in days, not weeks or months.
Cigna makes it easy to get fast, trusted and convenient virtual care from a wide range of providers for many types of care, including the following: • Primary Care, 24/7 Urgent Care, and Dermatology through MDLIVE • Women's health • Nutrition • Sleep apnea • Cardiac health • Chronic pain
• Digestive health • LGBTQIA+ care • Behavioral health
• Physical therapy • Musculoskeletal • Speech therapy
Click here for more information on Cigna’s Virtual Care options and provider network.
Health Information Line Cigna's no cost Health Information Line puts you in touch with a personal nurse advocate via chat or phone. They’re available to answer your health questions and help you make the best choice for your needs. You’ll be asked a few questions about your symptoms before the nurse will help you decide whether to seek a higher level of care or care for yourself at home. Click here for more information.
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Cigna One Guide ® Cigna One Guide is a service that provides personalized one-on-one support via app, chat, online or phone during pre-enrollment and post-enrollment. Your personal guide will help you understand the basics of health coverage and get the most out of your plan. To speak with a Cigna One Guide representative, call (800) 806-5042, click the chat option on myCigna.com or use the myCigna app. Click here for more information. Your Personal Health Team Everyone has different needs for their health and well-being. When you don't know where to go for help with a simple question or a more serious situation, a Personal Health Team is available to you at no cost through your Cigna medical plan. You have access to a team of clinical experts - including nurse care managers, registered dieticians, behavioral professionals, social workers and pharmacists - ready to support your medical needs as well as your social and emotional well- being. Click here for more information. You can also learn about your Personal Health Team on the myCigna app or myCigna.com, or by calling (800) 244-6224. Cigna Healthy Pregnancies, Healthy Babies ® The Cigna Healthy Pregnancies, Healthy Babies program is designed to help you and your baby stay healthy during your pregnancy and in the days and weeks following your baby's birth. Completion of this program qualifies for an incentive under the Cigna Healthcare Wellness Experience. Click here for more information and call 800-615-2906 to enroll. Cigna Healthy Rewards ® Discounts, rewards, and offers provided exclusively to you on your journey to total wellness. Click here or log into myCigna.com and select one of the categories under Perks & Programs for more information. Omada ® for Cigna Omada for Cigna is a digital lifestyle change program designed to help at-risk individuals combat obesity-related chronic diseases such as type 2 diabetes and heart disease. MAA is covering this program under the health plan at 100% for associates and their adult dependents who are at risk for diabetes or heart disease and are accepted into the program. To see if you’re eligible for the program visit omadahealth.com/maa. (Company identifier is maa). Click here for more information on the Omada for Cigna program. Cigna Pathwell Bone & Joint The Cigna Pathwell Bone & Joint program can help guide you to the right care at the right time for your spine, knee, hip and shoulder pain. Under this program, you’ll have access to a Clinical Care Advocate who will help you with everything from finding the right treatment plan, understanding your benefits, access to in-network care, education, pre- and post-surgery support, and connection with other helpful resources. In addition, when surgery is right for you, you may qualify for a zero or low-cost surgery benefit. To learn more about this program, click here, visit CignaPathwellBoneandJoint.com or call 877-505-5875.
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Medical + Prescription Drug Benefits At-a-Glance
Choice Fund HRA Plan
Choice Fund HSA Plan
Benefit
In-Network
Out-of-Network
In-Network
Out-of-Network
Medical Benefits through Cigna: Annual Deductible Individual Individual (Embedded)/Family Out-of-Pocket Maximum (copay, deductible & coinsurance) Individual Individual (Embedded)/Family
$1,750 $1,750/$3,500
$3,500 $3,500/$7,000
$2,250 $4,500
$4,500 $9,000
$4,250 $4,250/$8,500 Plan pays 80% You pay 20%
$8,500 $8,500/$17,000 Plan pays 50% You pay 50%
$5,250 $8,000/$10,500 Plan pays 80% You pay 20%
$10,500 $16,000/$21,000 Plan pays 50% You pay 50%
Coinsurance
Preventive Care
No charge
Not covered
Not charge
Not covered
Cigna Virtual Care (Telehealth) Services (MDLive) Primary Care Physician (PCP) Office Visit
After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% You pay 20% (Deductible does not apply) After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20%
Not covered
$20 Copay
Not covered
After Deductible you pay 50% After Deductible you pay 50%
After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 20% You pay 20% (Deductible does not apply) After Deductible you pay 20% After Deductible you pay 50% After Deductible you pay 50%
$30 Copay
$40 Copay
Specialist Office Visit
$50 Copay
$50 Copay
Urgent Care
You pay 20% (Deductible does not apply)
You pay 20% (Deductible does not apply)
Emergency Room
Emergency Medical Transportation
No charge
No charge
Inpatient Hospitalization & Professional Service
After Deductible you pay 20% After Deductible you pay 20%
After Deductible you pay 50% After Deductible you pay 50%
Outpatient Facility & Professional Services
Retail Pharmacy Benefits through Express Scripts (30-Day Supply):
20% ($15 min, $30 max) 30% ($30 min, $60 max) 40% ($60 min, $120 max) 50% ($80 min, $160 max)
Generic Drugs
Not covered
Not covered
Preferred Brand Drugs
Not covered
Not covered
Non-Preferred Brand Drugs
Not covered
Not covered
Speciality Drugs
Not covered
Not covered
Home Delivery Pharmacy Benefits through Express Scripts (90-Day Supply):
20% ($30 min, $60 max) 30% ($60 min, $120 max) 40% ($120 min, $240 max)
Generic Drugs
Not covered
Not covered
Preferred Brand Drugs
Not covered
Not covered
Non-Preferred Brand Drugs
Not covered
Not covered
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2026 Medical Bi-Weekly Payroll Contributions
We know that rising health care costs are of concern to our associates, and we want to do as much as we can to help you save money on your medical plan premiums. First, we pay a large portion of your total premium. Second, we reward you if you have not used tobacco in the last 12 months or more by providing a $25 per payroll discount. Third, we reward you for your continued service by providing the following per payroll discounts:
1
2-4
5-7
8-9
10-14
15-19
Years of Service
Medical Plan
HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA
Bi-Weekly Discount
$10 $15 $12.50 $17.50 $15 $20 $17.50 $22.50 $20 $25 $25 $30
20-24
25-29
30-34
35-39
40+
Years of Service
Medical Plan
HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA
Bi-Weekly Discount
$30 $35 $35 $40 $40 $45 $45 $50 $50 $55
Dependent on the medical plan and coverage level you choose and your years of service with MAA, you will see one of the above discounts applied to your medical insurance during the pay period that contains your anniversary date.
Choice Fund HRA Plan
Choice Fund HSA Plan
Don't Use Tobacco
Uses Tobacco
Don't Use Tobacco
Uses Tobacco
Years of Service & Coverage Level
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
Less than 1 Year of Service: Employee Only
$109.52 $302.18 $134.52 $277.18 $72.94 $306.75 $97.94 $281.75 Employee + Spouse $310.70 $512.70 $335.70 $487.70 $229.19 $530.19 $254.19 $505.19 Employee + Child(ren) $202.33 $538.73 $227.33 $513.73 $151.19 $532.25 $176.19 $507.25 Employee + Family $383.15 $851.95 $408.15 $826.95 $291.88 $847.21 $316.88 $822.21 1 Year of Service: Employee Only $99.52 $312.18 $124.52 $287.18 $57.94 $321.75 $82.94 $296.75 Employee + Spouse $300.70 $522.70 $325.70 $497.70 $214.19 $545.19 $239.19 $520.19 Employee + Child(ren) $192.33 $548.73 $217.33 $523.73 $136.19 $547.25 $161.19 $522.25 Employee + Family $373.15 $861.95 $398.15 $836.95 $276.88 $862.21 $301.88 $837.21 2-4 Years of Service: Employee Only $97.02 $314.68 $122.02 $289.68 $55.44 $324.25 $80.44 $299.25 Employee + Spouse $298.20 $525.20 $323.20 $500.20 $211.69 $547.69 $236.69 $522.69 Employee + Child(ren) $189.83 $551.23 $214.83 $526.23 $133.69 $549.75 $158.69 $524.75 Employee + Family $370.65 $864.45 $395.65 $839.45 $274.38 $864.71 $299.38 $839.71 5-7 Years of Service: Employee Only $94.52 $317.18 $119.52 $292.18 $52.94 $326.75 $77.94 $301.75 Employee + Spouse $295.70 $527.70 $320.70 $502.70 $209.19 $550.19 $234.19 $525.19 Employee + Child(ren) $187.33 $553.73 $212.33 $528.73 $131.19 $552.25 $156.19 $527.25 Employee + Family $368.15 $866.95 $393.15 $841.95 $271.88 $867.21 $296.88 $842.21
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Choice Fund HRA Plan
Choice Fund HSA Plan
Don't Use Tobacco
Uses Tobacco
Don't Use Tobacco
Uses Tobacco
Years of Service & Coverage Level
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
Your Contribution
MAA Contribution
8-9 Years of Service: Employee Only
$92.02 $319.68 $117.02 $294.68 $50.44 $329.25 $75.44
$304.25 $527.69
Employee + Spouse $293.20 $530.20 $318.20 $505.20 $206.69 $552.69 $231.69
Employee + Child(ren) $184.83 $556.23 $209.83 $531.23 $128.69 $554.75 $153.69 $529.75 Employee + Family $365.65 $869.45 $390.65 $844.45 $269.38 $869.71 $294.38 $844.71 10-14 Years of Service: Employee Only $89.52 $322.18 $114.52 $297.18 $47.94 $331.75 $72.94 $306.75 Employee + Spouse $290.70 $532.70 $315.70 $507.70 $204.19 $555.19 $229.19 $530.19 Employee + Child(ren) $182.33 $558.73 $207.33 $533.73 $126.19 $557.25 $151.19 $532.25 Employee + Family $363.15 $871.95 $388.15 $846.95 $266.88 $872.21 $291.88 $847.21 15-19 Years of Service: Employee Only $84.52 $327.18 $109.52 $302.18 $42.94 $336.75 $67.94 $311.75 Employee + Spouse $285.70 $537.70 $310.70 $512.70 $199.19 $560.19 $224.19 $535.19 Employee + Child(ren) $177.33 $563.73 $202.33 $538.73 $121.19 $562.25 $146.19 $537.25 Employee + Family $358.15 $876.95 $383.15 $851.95 $261.88 $877.21 $286.88 $852.21 20-24 Years of Service: Employee Only $79.52 $332.18 $104.52 $307.18 $37.94 $341.75 $62.94 $316.75 Employee + Spouse $280.70 $542.70 $305.70 $517.70 $194.19 $565.19 $219.19 $540.19 Employee + Child(ren) $172.33 $568.73 $197.33 $543.73 $116.19 $567.25 $141.19 $542.25 Employee + Family $353.15 $881.95 $378.15 $856.95 $256.88 $882.21 $281.88 $857.21 25-29 Years of Service: Employee Only $74.52 $337.18 $99.52 $312.18 $32.94 $346.75 $57.94 $321.75 Employee + Spouse $275.70 $547.70 $300.70 $522.70 $189.19 $570.19 $214.19 $545.19 Employee + Child(ren) $167.33 $573.73 $192.33 $548.73 $111.19 $572.25 $136.19 $547.25 Employee + Family $348.15 $886.95 $373.15 $861.95 $251.88 $887.21 $276.88 $862.21 30-34 Years of Service: Employee Only $69.52 $342.18 $94.52 $317.18 $27.94 $351.75 $52.94 $326.75 Employee + Spouse $270.70 $552.70 $295.70 $527.70 $184.19 $575.19 $209.19 $550.19 Employee + Child(ren) $162.33 $578.73 $187.33 $553.73 $106.19 $577.25 $131.19 $552.25 Employee + Family $343.15 $891.95 $368.15 $866.95 $246.88 $892.21 $271.88 $867.21 35-39 Years of Service: Employee Only $64.52 $347.18 $89.52 $322.18 $22.94 $356.75 $47.94 $331.75 Employee + Spouse $265.70 $557.70 $290.70 $532.70 $179.19 $580.19 $204.19 $555.19 Employee + Child(ren) $157.33 $583.73 $182.33 $558.73 $101.19 $582.25 $126.19 $557.25 Employee + Family $338.15 $896.95 $363.15 $871.95 $241.88 $897.21 $266.88 $872.21 40+ Years of Service: Employee Only $59.52 $352.18 $84.52 $327.18 $17.94 $361.75 $42.94 $336.75 Employee + Spouse $260.70 $562.70 $285.70 $537.70 $174.19 $585.19 $199.19 $560.19 Employee + Child(ren) $152.33 $588.73 $177.33 $563.73 $96.19 $587.25 $121.19 $562.25 Employee + Family $333.15 $901.95 $358.15 $876.95 $236.88 $902.21 $261.88 $877.21
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Which Medical Plan is Right for You?
Jack is single and considers himself healthy. He doesn't have any health conditions or takes any prescription drugs on a regular basis. He gets a flu shot every year and sees his primary care physician for an annual preventive exam and health screening. He doesn't anticipate the need for any other medical care. Jack's interested in the Cigna Choice Fund HSA Plan because the bi-weekly payroll contributions are lower and MAA will make contributions to his HSA that he can use for unplanned medical expenses in the future. Cigna Choice Fund HRA Plan Cigna Choice Fund HSA Plan
Bi-Weekly Medical Premium (Less than 1 year of service & doesn't use tobacco) Annual Medical Premiums (26 pay periods)
$109.52
$72.94
$2,847.52
$1,896.44
MAA Annual Contribution to HRA/HSA
None
$100
Wellness Incentives Earned (contributed to HRA/HSA)
$250
$400
Jack's Out-of-Pocket Expenses (assume Jack goes in-network for all medical care)
Deductible $2,250
Coinsurance 20%
Deductible $1,750
Coinsurance Copay
Jack's Medical Care & Prescriptions
Copay
1 preventative adult exam and health screening (assumes $347 in provider & lab changes) *Jack earns wellness incentives 1 sick visit with primary care physician (assumes $197 office visit charge) 1 retail generic prescription drug (assumes $75 for 30-day supply) 1 preventive flu shot at CVS Minute Clinic *Jack earns a wellness incentive Total Combined Out-of-Pocket Costs for Medical Care & Prescriptions (all can be paid with HRA/HSA funds)
$0
$0
$0
n/a
$0
$0
$30
$0
$0
n/a
$197
$0
$15 ($75 x 20%)
n/a
$75
$0
$0
$0
$0
$0
$0
n/a
$0
$0
$45
$272
Total Annual Payroll Contribution
$2,847.52
$1,896.44
Total Annual Payroll Contributions + Jack's Total Out-of-Pocket Expenses Total Costs Net of HRA/HSA Funds
$2,892.52
$2,168.44
$2,847.52
$1,896.44
Jack elected the Choice Fund HSA Plan . Under this plan, his payroll contributions and out-of- pocket expenses were the lowest of the two options by $951.08. Jack used $272 of the $400 that MAA contributed to his HSA to pay his out-of-pocket expenses and the remainder of the money will carry over to next year. Jack’s Choice
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