INTRO
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, 2025.
OVERVIEW
Medical
- Employee contributions are in creasing by 6%
- New plan designs: $1000-$35-80% and $2000-$40-80%
Dental
- Employee contributions remain the same
Vision
- You can purchase a materials vision plan to help cover lenses, frames and contacts
Medical Flexible Spending Accounts
- The IRS contribution limit is $3,300
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.
ENROLLMENT
- If you are not making changes, your current coverage and network will carry over to the new plan year.
- If you are making changes, you must complete a change form.
- 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 2025, you MUST make an active election each year. Prior elections do not carry over.
ELECTION CHANGES
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.
MEDICAL
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
- Plan 1: $1000-$35 Deductible/Copay Plan
- Plan 2: $2000-$40 Deductible/Copay Plan
NETWORK CHOICES
- 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.
FSA
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
- Up to $3,300 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.
DENTAL
Your dental plan is through Delta Dental.
Your benefits are greater when when you receive care from providers within the Delta Dental's network.
Vision
Minnesota Masonic offers a vision plan administered by EyeMed. This coverage is a voluntary benefit that features coverage for prescription glasses and contact lenses, as well as other vision-related items. Under this plan, you may use the eye care professional of your choice. However, when you visit an EyeMed in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.
Please note: This plan provides coverage for materials and hardware only. Coverage for routine annual vision exams is provided through your Medica medical plan as a preventive benefit as long as you use an in-network provider.
Find a Provider
The EyeMed Network includes Lens Crafters, Pearle Vision, Target Optical, Sears Optical, JC Penney Optical, ContactsDirect.com, and Glasses.com to name a few. Visit the link below to find a listing of all in-network providers.
To find a provider, visit EyeMed Vision Benefits.
How to enroll:
- Review the resources in this section to familiarize yourself with the benefits and network
- You must complete the enrollment form (included in this section) and return it to Lisa
BASIC LIFE/AD&D
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.
VOL TERM LIFE/AD&D
Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through NYL 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 LTD
Voluntary Long Term Disability Insurance through NYL 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
CONTACT US
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