Table of Content
- Header
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Page
- Welcome
- New Hires/Forms
- Medical
- Health Resources
- Dental
- Vision
- Life & Disability
- FSA
- HSA
- HRA/VEBA
- EAP
- VOLUNTARY BENEFITS
- UNDERSTANDING YOUR BENEFITS
- Additional Resources
- Required Notices
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to the City of Inver Grove Heights. The City of Inver Grove Heights is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Regular employees working at least 20 hours per week are eligible to participate in benefits offered by the City of Inver Grove Heights. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
New Hires/Forms
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.
Please contact Human Resources if you have questions about qualifying events.
Below are the medical and dental enrollment forms as well as the change form if you wish to change your benefits. Also please see forms below to make your HSA or FSA elections for 2023.
Please note that you will need to click on the document icons below the white arrow in order to open any files.
Medical
HealthPartners will continue to administer your medical and prescription drug benefits this year.
All options have been carefully selected to provide the most value to you and your families. The City of Inver Grove Heights is offering three plan choices. The City will continue to offer the $250-$25 plan with no plan design changes. The HRA and HSA plans have a deductible increase for 2023. The $2,000-100% HRA plan will increase to $2,500-100%, and the $2,800-100% HSA plan will increase to $3,000-100% for 2023. All plans use the Open Access network.
To find out if your provider is in-network, please visit the HealthPartners website below.
Health Resources
HealthPartners
- Omada - Diabetes and Heart Disease Prevention Management
- MyStrength - Online Behavioral Health
- Wellbeats - Fitness Program
- Quitting Tobacco Support
- Well-being Library & Resources - Living Well on HealthPartners website
- Click here for Virtuwell information
Dental
HealthPartners Dental Plan
The City of Inver Grove Height's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the HealthPartners network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the HealthPartners website below.
Vision
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
The City of Inver Grove Heights offers vision coverage through EyeMed to help pay for prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Network.
To find out if your provider is in-network, please visit the EyeMed website below.
Life & Disability
The City of Inver Grove Heights provides you with Basic Life coverage through Minnesota Life (OCHS), Voluntary Life/AD&D through both Minnesota Life (OCHS) and NCPERS, Voluntary Short-Term Disability through Colonial, and Long-Term Disability through Madison National Life.
Basic Life/AD&D
Employees working 20 or more hours per week are eligible for one times annual earnings up to $200,000 of coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. There are plans available through 2 vendors Minnesota Life (OCHS), and NCPERS. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
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.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage through Colonial Life pays 66.67% of your income to a maximum of $5,000 per week.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability offered through Madison National Life and provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 90-day elimination period are equal to 66.67% of covered monthly earnings up to $5,000 for full-time employees.
Please review the benefit summaries for additional details.
FSA
Flexible Spending Accounts
Enrollment for the FSA plans occurs in the fall for the calendar year. 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 $3,050 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.
HSA
Health Savings Account
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).
You may contribute as follows:
$3,850 for a single contract
$7,750 for a two person or family
Catch up - if you are age 55 or older, you may make an additional contribution of $1,000
For more information, please refer to IRS.gov
HRA/VEBA
A Voluntary Employee Beneficiary Association (VEBA) account allows employers to contribute money to a trust on behalf of their employees. VEBAs can be used to help pay for current or future eligible medical expenses.
EAP
Employee Assistance Program (EAP)
Required Notices
Contact Us
As you consider your benefit options, please be sure to review all available information: Intranet, and other videos and flyers found on this web page. If you don't understand your benefits or need any assistance, please contact:
Janet Shefchik
Human Resources Manager
651-450-2512
Additional Contacts
Cora Bauer
HR Coordinator
cbauer@ighmn.gov
651-450-2490
Janet Shefchik
Human Resources Manager
jshefchik@ighmn.gov
651-450-2512