Our goal is to provide you with benefits that help with just about every aspect of your life, from traditional health and insurance coverage to financial protection, planning and coaching to programs to help you care for yourself and your family.
Each year we review the benefits we offer to ensure we’re taking advantage of what’s available on the market, managing costs for you and the System, adopting regulatory updates and staying competitive. The following changes take effect July 1, 2025.
We encourage you to give your coverage the same attention to ensure you’re taking advantage of what’s available and managing your costs.
You have a few changes to consider. Read on for details.
Memorial Hermann has increased our capabilities and the specialized care we offer, and we encourage you to use MH providers when you can. You will save money on world-class care from providers you can trust.
There’s no network change to the MH Care Broad Access Plan. This plan continues to offer the broadest network access at the highest premium cost. MD Anderson and Texas Children’s Hospital providers are available in the Broad Network Tier.
We recognize some plan participants have used Texas Children’s Hospital or MD Anderson Cancer Center for specialized care we didn’t always offer here at Memorial Hermann. Currently, these providers are included in the Basic Tier. Since we’ve added specialty care providers to our MH Preferred Tier, we’ll no longer be covering these facilities under the Basic Tier. However, there may be times when you want to seek care outside the system, even when the same services are available from Memorial Hermann. For that reason, we’re offering a new network – the Outside Specialty Tier. You will pay more for the care you receive from Texas Children’s Hospital and MD Anderson Cancer Center, starting July 1, 2025.
What this change may mean for you
You continue to have the flexibility to choose your providers. Each time you need care, the provider you choose will determine how much you pay out of pocket, with MH Preferred Tier providers costing you less. So it’s important that you understand the impact of this choice:
Visit the Medical Coverage page for a complete look at coverage under each tier.
Finding a new provider
It’s easy to find a new provider. Log in and search on Aetna.com or the Aetna HealthSM app:
MH Preferred Tier providers are labeled “Maximum Savings” in the search.
You may be eligible for an exception.
We recognize this change may be disruptive, so we’re offering exceptions for the following situations:
To apply for an exception, call Aetna Member Services at 800.334.9778 and request a Continuation of Care Form. You will have until September 29, 2025 to request a Continuation of Care review.
Medical costs continue rise across the nation. Memorial Hermann will continue to pay the majority of your medical premiums and absorb most of these cost increases, but the amount you pay out of your paycheck will increase slightly. Visit the Medical Coverage page for FY26 premiums.
This is a good time to re-evaluate your coverage.
Take a look at the options we offer, compare your anticipated care and costs and choose the medical plan that meets your budget and needs.
Remember! We also offer opportunities to help control your health care costs, including:
We’ve teamed up with Voya Financial to make your Voluntary Health Plans even better. If one or more of the plans below provide the peace of mind you need, you must act during Annual Enrollment – even if you had Critical Illness or Accident Insurance coverage in FY25. Plus, enrolling is easier than ever! You can now elect these benefits right through Workday during your regular enrollment process.
Take control of life’s unexpected moments – explore these Voluntary Health Plans during Annual Enrollment and choose the coverage that makes sense for you.
$75 wellness benefit
Each plan offers a $75 wellness benefit. When you or a covered dependent gets an annual checkup or recommended screening, you earn $75!
Refer to the Wellness Benefit brochure for details.
Critical Illness and Accident Insurance are currently administered by MetLife. You have 12 months from the date of a covered accident or diagnosis to submit a claim to MetLife for a payment. Visit metlife.com/mybenefits to file a claim and call MetLife at 800.438.6388 with any questions.
ENHANCED Critical Illness Insurance
Have you ever thought about how you’d handle the financial impact of a serious diagnosis like cancer, a heart attack or a stroke? Critical Illness Insurance serves as a financial safety net, so you can focus on recovery without extra stress.
This benefit provides a cash payment and the flexibility to use the funds however you choose – whether that’s covering treatments, medications, everyday bills or childcare.
Helps with: Financial protection if you’re worried about your own health or protecting your family’s future.
Refer to the Critical Illness Insurance brochure for a complete look at coverage and costs.
ENHANCED Accident Insurance:
Do you love hiking, biking or playing in a weekend softball league? Or maybe you have kids who seem to be a magnet for bumps and bruises? Accidents are part of life, and sometimes they come with unexpected costs or time away from work.
Accident Insurance provides a cash payment and the freedom to use the money in a way that best suits your needs. That could be paying for care, replacing lost wages or just handling daily expenses. That way, an injury won’t throw you off your budget.
Helps with: Unexpected costs from everyday mishaps, from a sprained ankle to a broken wrist.
Refer to the Accident Insurance brochure for a complete look at coverage and costs.
More Coverage, Less Cost
Thanks to our new partnership with Voya, Critical Illness and Accident Insurance pay more for covered incidents and cost you less per paycheck!
Even better, all Voluntary Health Plans now pay extra when you receive care at MHHS facilities.
NEW Hospital Indemnity Insurance
A hospital stay is stressful enough without worrying about the costs that come with it. With this benefit, you receive a cash payout for a covered hospital stay, whether it’s due to an accident, illness or even childbirth.
The funds can be used as needed – covering deductibles, paying rent or just treating yourself by ordering takeout while you recover. Whether you’re planning ahead or just want extra protection, this benefit provides support when you need it most.
Helps with: Financial flexibility for planned hospital stays, such as childbirth or surgery, as well as unexpected illness or injury.
Refer to the Hospital Indemnity Insurance brochure for a complete look at coverage and costs.
Visit the Dental Coverage page for a complete look at your options and premiums.
Dental care is a critical part of your overall health care. To ensure you have the flexibility to choose the plan that is the best fit for you, we’re introducing a new option: The Essentials DPPO. We’re also renaming our dental plans to help you see how they differ at a glance.
If you want to take advantage of the Essentials DPPO option, you must enroll during Annual Enrollment.
If you don’t take action, your current coverage and covered dependents will carry over at FY26 costs.
You now have three plans to choose from.
|
Essentials DPPO NEW |
In-network Smiles DHMO (Formerly DeltaCareUSA HMO) |
Full Coverage DPPO (Formerly Delta Dental DPPO) |
|
|---|---|---|---|
|
At a Glance |
Focuses on diagnostic and preventive services |
Controls costs with in-network-only coverage |
Provides the most comprehensive coverage |
|
Best For |
Those who only need routine preventive care |
Those seeking a balance of coverage and cost |
Those who need major care and services |
The amount you pay out of your paycheck for coverage in the In-network Smiles DHMO and Full Coverage DPPO will increase slightly.
This is a good time to re-evaluate your coverage.
Look at the options we offer, compare your anticipated care and costs and choose the dental plan that meets your budget and needs.
Visit the Vision Coverage page for a complete look at coverage and premiums.
Most employees who have vision coverage through Memorial Hermann use their plan coverage to buy glasses. We’re pleased to have negotiated a higher allowance for frames you purchase from an in-network provider ($175) to help you keep your costs down. In addition, you’ll see a slight decrease to the amount you pay out of your paycheck.
Visit the Flexible Spending Accounts page to learn more about how our FSAs work.
Per the IRS, you can contribute up to $3,300 to a Healthcare Flexible Spending Account (FSA) in FY26. Since your contributions are deducted from your paycheck before your taxes are calculated, you’ll lower your taxable income. That means you’re saving money for predictable health care expenses and paying less taxes.
You must take action to contribute
Even if you’re currently contributing to a Healthcare FSA, the IRS requires that you actively enroll during Annual Enrollment to contribute in FY26.
Voya Financial will administer your Life and Accidental Death & Dismemberment (AD&D) Insurance moving forward, replacing Securian Financial.
Voya has a top-notch reputation for customer service and support. In addition, consolidating our plans streamlines who you will work with for the coverage you enroll in.
Visit the Life & AD&D page for more information.
Your current coverage will carry over.
Voya is offering the same coverage options we have today, at the same costs. If you don’t enroll during Annual Enrollment, your current Life and AD&D coverage and covered dependents will carry over to Voya automatically.