Introduction
Open Enrollment is your annual opportunity to enroll in, make changes to, or waive benefit coverage for you and your family!
Making changes to existing elections during the year (outside of the Open Enrollment window) will require a qualifying event.
Benefits Overview
Please review the CSB/SJU/OSB 2025-2026 Benefit Resource Guide (PDF link below) which provides a detailed overview of all benefits offered to members of our faculty and staff!
Refer to the link to the right to watch the recorded Benefit Education Webinar which walks through each of the benefits offered and highlighted in the Benefit Resource Guide.
How To Enroll
IMPORTANT NOTE:
The 2025 Open Enrollment will be a passive enrollment for all CSB/SJU/OSB employees. If you do not take any action during Open Enrollment, your benefits effective July 1, 2025 will default to your current elections.
Reminder: The only benefit elections that will NOT carry over are Healthcare FSA and Dependent Care FSA contributions. An active election will be needed for those benefits.
All employees are encouraged to log into Employee Navigator (CSB & SJU) or ADP (OSB) to confirm your elections, even if you do not plan to make any changes. This is to ensure you and your dependents have the benefits you want and need for the next plan year.
If you have any questions about your enrollment, please contact Human Resources during the Open Enrollment period.
Medical
Provider: HealthPartners
You have the choice of three (3) medical plans -- two traditional options and one high deductible health plan option. All three plans come with the Open Access network which is HealthPartners' broadest network with the widest nationwide access.
Refer to your 2025-2026 Benefit Resource Guide for additional information on the plans and network.
As a HealthPartners member, you have additional resources available to assist in your overall well-being. Please refer to your HealthPartners resource guide for information regarding how to best utilize your medical plan and the health and wellbeing resources available to you.
To personalize your experience as a HealthPartners plan member, we encourage you to set up your member profile on the HealthPartners website.
Please also review the webinar specifically geared towards HealthPartners and how to best utilize these tools and resources.
Kavira
If you want the convenience of receiving everyday healthcare through low to no cost telehealth and home visits, Kavira is right for you. The goal of this offering is to save you time and money when addressing preventive needs and common acute illnesses within the comfort of your own home (virtually or in-person).
Kavira is available for all CSB/SJU/OSB medical plan members and their dependents.
NOTE: Dependents do not need to be on the medical plan to be covered as long as the employee is enrolled on the medical plan
Watch the Intro to Kavira Webinar video to get a better understanding of this benefit offering. Also, please check out the Kavira Health website to learn more. All links are listed below!
This is an enhancement to your medical plan offering (however, entirely separate from HealthPartners).
You start with a virtual visit via text message, video on the Kavira mobile app, or on-line on your computer. Your care can be completed virtually; however, you can request an in-home visit as well, if desired!
Kavira is offered at no charge to you and visits are free to those on Core Plans A & B and only cost a $5 copay for those on HDHP (only for a non-preventive home visit) which is needed in order to remain compliant with IRS-related HSA regulations.
Dental
Provider: Delta Dental of MN
Your dental insurance is offered through Delta Dental. You have two networks to choose from -- Delta Dental PPO and Delta Dental Premier. Both networks offer discounted fees, but the greatest savings is available when you see a Delta Dental PPO dentist.
The annual benefit maximum is $1,500 per person and diagnostic and preventive services are covered at 100%.
For other services, you share the cost as a percentage after you have met the calendar year deductible of $50 per person in-network.
Orthodontia coverage is available for children between ages 8 and 18 with a $1,000 lifetime maximum benefit.
Please review your 2025-2026 Benefit Resource Guide for additional information about your coverage.
We strongly encourage you visit the Delta Dental of MN website and set up your member profile on Delta's secure member portal!
Vision
Provider: EyeMed
The vision plan is 100% employee paid and is a comprehensive benefit meaning it covers materials (lenses and frames) in addition to an eye exam.
As a reminder, a preventive eye exam is also covered under your medical plan for children ages 6 and under.
For more information about the vision benefits, we encourage you to review your 2025-2026 Benefit Resource Guide. In addition, we hope you explore the EyeMed member portal for more information about your benefits.
HSA & FSA
Provider: HealthEquity
If you are enrolled in the qualified high deductible health plan (HDHP), you are eligible to contribute to a Health Savings Account (HSA). An HSA is a tax-advantaged savings account that you can use for medical, dental, vision, and hearing expenses. It is paired with a qualifying health insurance plan which offers lower monthly premiums in exchange for a higher deductible (the amount you pay out of pocket before insurance kicks in).
Your HSA is administered by HealthEquity. For 2025, you can contribute up to $4,300 if you elect Employee Only coverage or up to $8,550 if you elect any other coverage level. In addition, if you are over age 55, you can make an additional $1,000 catch-up contribution. You can start, stop, or change your contribution at any time.
CSB/SJU/OSB also offers two Flexible Spending Account (FSA) options:
- Healthcare FSA -- for employees enrolled in Core Plan A or B or employees not enrolled in CSB/SJU/OSB's medical plan. The Healthcare FSA allows you to set aside money on a pre-tax basis that can be used to cover out-of-pocket expenses for medical, dental, vision, and hearing costs that are not covered by the plan. You can contribute up to $3,300 for 2025.
- Dependent Care FSA used to set aside pre-tax dollars to cover day-care/elder-care expenses for eligible dependents. You can contribute up to $5,000 for 2025 ($2,500 if married and filing separately).
You cannot change your FSA contribution amount during the year unless you experience a qualifying status change.
Please refer to the below link for more information about HSAs and FSAs and how to best utilize them.
Life and AD&D
Provider: The Standard
As a CSB/SJU/OSB employee, you are provided with Basic Term Life and AD&D coverage at NO cost to you.
You are also eligible for additional Life insurance on a voluntary (100% employee paid) basis.
Please refer to your 2025-2026 Benefit Guide for additional information detailing the benefit maximums, plan parameters, and enrollment requirements.
Employee Assistance Program
Provider: Vital WorkLife
The Employee Assistance Program (EAP) provides you and your family members with free, confidential assistance to address a variety of personal and/or professional concerns. The EAP service is available 24 hours a day by calling 320.253.1909 or 800.383.1908.
You can also visit vitalworklife.com (link below) and use your member login for unlimited access to a wealth of web-based work/life resources.
- CSB Username: csbsju Password: member
- SJU Username: csbsju2 Password: member
- OSB Username: osbi Password: member
Contact Us
For questions, please contact Human Resources:
CSB/SJU - Emily Nordmann, Benefits Manager
enordmann001@csbsju.edu
ext. 5880
OSB - Tanya Boettcher, Human Resources Director
tboettcher@csbsju.edu
ext. 2874