Minnesota Masonic Home offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.
Elections you make during open enrollment will become effective January 1, 2023.
Medical
Dental
Medical Flexible Spending Accounts
Your Employee Benefit Guide and this Landing Page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this landing page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.
REMINDER: if you wish to participate in a Flexible Spending Account in 2023, you MUST make an active election each year. Prior elections do not carry over.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Minnesota Masonic Home offers two medical plan options. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Medica.
PLAN CHOICES
NETWORK CHOICES
Refer to your Employee Benefits Guide or to the Medica Plan Summaries for additional coverage information.
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA
Dependent Care FSA
How the Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
Your dental plan is through Delta Dental.
Your benefits are greater when when you receive care from providers within the Delta Dental's network.
Minnesota Masonic Home provides eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death equal to 1x annual base salary up to a maximum of $50,000. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through Cigna can provide money for your family if you die or are diagnosed with a terminal illness.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Voluntary Long Term Disability Insurance through Cigna can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.
Benefit Features
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Medica Quick Kit and other videos and information found on this Landing Page. If you don't understand your benefits or need any assistance please contact:
Lisa Thorpe
(952) 948-6244
Lisa.Thorpe@mnmasonic.org