Minnesota Masonic Charities

Table of Content

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    1. INTRO
    5. MEDICAL
    6. FSA
    7. DENTAL
    11. Additional Resources
    12. CONTACT US
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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.


What's New for 2023?


  • Employee contributions have a slight increase


  • Employee contributions remain the same

Medical Flexible Spending Accounts

  • IRS contribution limit increased to $3,050

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.

2023 Benefits Guide

2023 Benefits Guide

2023 Required Notices

2023 Required Notices


How To Enroll In Benefits

  1. If you are not making changes, your current coverage and network will carry over to the new plan year.
  2. If you are making changes, you must complete a change form.
  3. If you are enrolling in a benefit you weren't enrolled in last year, you must also complete the necessary carrier enrollment forms.

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.

Medica Change Form

Medica Change Form

Flexible Spending Account Enrollment Form

Flexible Spending Account Enrollment Form


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 1: $750-$35 Deductible/Copay Plan
  • Plan 2: $1,500-$40 Deductible/Copay Plan


  • Medica Choice Passport Network: Medica Choice Passport gives employees access to a national network and the freedom to see any network provider at any time. Members benefit from network discounts and a plan that's easy to use — no matter where they live.You can search the Choice Passport Network at https://www.medica.com/members/group/medica-choice-with-choice-plus

  • Medica Elect Network: The Medica Elect Network is a medium-sized regional network. You choose a primary care clinic and receive care from providers in your care system. The following care systems are included in the Medica Elect Network: Allina Medical Clinics, Minnesota Healthcare Network, Children's Health Network, Park Nicollet Health Services, Hennepin Healthcare, RiverWay/North Suburban Clinics, Integrity Health Network, St. Luke's Care System and Lakeview Medical Care System. You can search the Medica Elect Network at https://www.medica.com/members/group/medica-elect 

  • Medica Essentia Choice Care Network: The Medica Essentia Choice Care Network offers access a unique of providers in northern Minnesota, eastern North Dakota and northwestern Wisconsin. This network includes 26 hospitals, over 70 clinics and more than 2,300 physicians and advance practitioners. You can search the Essentia Choice Care Network at https://www.medica.com/members/group/aco_essentia_choice_care

Refer to your Employee Benefits Guide or to the Medica Plan Summaries for additional coverage information.

2023 Medica Enrollment Guide

2023 Medica Enrollment Guide


Flexible Spending Accounts

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.


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

  • Up to $3,050 annually
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses

Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns

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.


Delta Dental Plan

Your dental plan is through Delta Dental.

Your benefits are greater when when you receive care from providers within the Delta Dental's network.

2023 Benefits Guide

2023 Benefits Guide


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.

2023 Benefits Guide

2023 Benefits Guide


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.

2023 Benefits Guide

2023 Benefits Guide


Overview of Long-term Disability

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

  • Benefit begins after 180 day elimination period if remain disabled
  • Benefit equal to 60% of pay – benefit is taxable income
  • Monthly maximum benefit is $5,000
  • Pre-existing condition limitations apply for first 12 months
2023 Benefits Guide

2023 Benefits Guide


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