Table of Content
- Header
- Welcome
- Enrollment
- New Hires
-
Medical
- Medical Insurance Costs
- Find A Provider
- Summary of Benefits
- Health Resources
-
Page
- New Hires/Forms
- FSA
- HSA
- HRA/VEBA
- Dental
- Vision
- Life AD&D
- Disability
- EAP
- VOLUNTARY BENEFITS
- UNDERSTANDING YOUR BENEFITS
- 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.
In addition, the following family members are eligible for certain benefits as well:
- Your legal spouse. This does not include a common law spouse or an ex-spouse.
- Your (or your spouse's) biological child, step child, a child for whom legal guardianship has been awarded, and who are less than 26 years of age.
- Unmarried dependent child who is physically or mentally disabled and is dependent on you.
Changes for 2025
- Medical: The $2,800-100% HRA plan will increase to $3,000-100%. The $3,200-100% HSA and HRA plans will be increasing to $3,300-100% for 2025 to remain embedded.
- HSA Contribution Maximum: Increasing to $4,300 for a single contract and $8,550 for a two person or family.
- FSA Contribution Maximum: Increasing from $3,200 to $3,300 annually.
New Hires
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."
QUALIFYING LIFE EVENTS
You can change your benefit election during the year if you have a qualifying life event. Qualifying life events include, but are not limited to:
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Change in child’s dependent status
- Death of a spouse, child or other qualified dependent
- Change in employment status or a change in coverage under another employer-sponsored plan
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
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 2024.
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, but please note that only members currently enrolled in this plan may continue coverage on it. There may be no new members added to the $250-$25 copay plan. The HRA and HSA plans have a deductible increase for 2025. The $2,800-100% HRA plan will increase to $3,000-100%, and the $3,200-100% HSA plan will increase to $3,300-100% for 2025. This plan change is due to an IRS mandate.
Embedded Deductible: Each family member has an individual deductible in addition to the overall family deductible. Meaning if an individual in the family reaches his or her deductible before the family deductible is reached, his or her services will be paid by the insurance company.
All plans offer the Open Access or Achieve network.
Medical Insurance Costs
Find A Provider
FIND AN IN-NETWORK PROVIDER
To get the most current information regarding participating providers, you can call HealthPartners Customer Service at: 952-883-5000 or 1-800-883-2177. Or select the Find a Provider link below.
- Click on “Open Access" network
- Click on “Explore the Network"
- Select "Doctors & Medical Practitioners" "Medical Clinics" or other
- Search by zip code and distance or by select Provider Search Criteria
Summary of Benefits
HealthPartners is implementing a new way to access open enrollment materials for 2025. The IDC (Interactive Digital Content) is an interactive digital PowerPoint, that allows you to click on specific links to bring you right to the content you are looking for!
Please click the link below to access the IDC.
Health Resources
HealthPartners:
- Omada - Diabetes and Heart Disease Prevention Management
- Omada MSK
- MyStrength - Online Behavioral Health
- Back Pain Relief
- Cancer Support
- Condition Management (Personal Nurse Support)
- Fitness Discounts
- Healthy Pregnancy
- Heath & Wellbeing Overview
- Behavioral Health
- Rx Shopping Tool/Mail Order
- Preventive Care
- Telemedicine (Virtuwell, DOD ,Teladoc)
- Online & digital tools
- Tobacco Cessation
- HealthPartners Member Portal
- Living Well
- Wellbeats
- Create Your Calm
- Click here for Virtuwell information (Hours: Monday - Friday: 7am to 8pm & Saturday, Sunday & holidays, 8am to 5pm)
FSA
Medsurety
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 $3,300 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
Limited Purpose FSA
- Up to $3,300 annually
- Those contributing to an HSA plan can participate.
- Reimbursements allowed for dental and vision expenses only.
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
Medsurety
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. It is portable, the money in your HSA is carried over from year to year and is yours to keep, even if you leave the company.
To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).
In order to contribute to an HSA, you must not:
- Be claimed as a dependent on someone else’s tax return
- Have other health plan coverage that provides benefits covered under the HDHP Plan (for example, a Health Care Flexible Spending Account, a separate prescription drug plan, or a spouse’s non-HDHP plan)
- Have a spouse with a Health Care Flexible Spending Account that could reimburse your medical expenses
- Be enrolled in a government health plan, such as Medicare or Medicaid
IRS Annual Maximum Contributions
- $4,300 for a single contract
- $8,550 for a two person or family
- Catch up - if you are age 55 or older, you may make an additional contribution of $1,000
City of Inver Grove Heights Annual Employer Contributions:
- $1,650 for a single contract
- $3,300 for a two person or family
Employee Annual Maximum Contributions:
- $2,650 for a single contract
- $5,250 for a two person or family.
For more information, please refer to IRS.gov
HRA/VEBA
Medsurety
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.
City of Inver Grove Heights Annual Employer Contributions:
- $1,500 for a single contract
- $3,000 for a two person or family
UNDERSTANDING YOUR VEBA
- Funded by your employer, employees cannot make additional contributions;
- HRA/VEBA funds can only be used for eligible medical expenses for you and your dependents enrolled in the HRA/VEBA plan.
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.
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits. Preventive care services are covered at 100% if you visit an In-Network provider.
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 AD&D
The City of Inver Grove Heights provides you with Basic Life coverage through Minnesota Life (OCHS), and Voluntary Life/AD&D through both Minnesota Life (OCHS) and NCPERS.
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.
Please review the benefit summaries for additional details.
Disability
The City of Inver Grove Heights provides you with Voluntary Short-Term Disability through Colonial, and Long-Term Disability through Madison National Life.
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 provides up to 3 months of disability benefit. You choose your monthly benefit amount from $400 - $6,500, to protect and replace up to 60% of your monthly income.
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 $11,000 for full-time employees.
Please review the benefit summaries for additional details.
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