How To Enroll In Benefits
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, and loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days.
Please contact Human Resources if you have questions about qualifying events. Complete a paper form below to enroll in benefits or to change benefits.
Medica will continue to administer your medical and prescription drug benefits this year.
For 2023 Minnesota Lung Center is offering the 0%-$25 plan with Passport network, $3,300-$35 plan with two network choices: Passport and Elect, and a $3,000-0% plan with Passport network that is HSA compatible. All options have been carefully selected to provide the most value to you and your families.
When you visit in-network providers, you receive the best benefits. Reminder: See the Summary of Benefits and Coverage (SBC) below for more details.
To find out if your provider is in-network, please visit the Medica website below:
All of the resources below are available to Medica members and can all be found on the Medica website below or by clicking on the icons below.
MyMedica.com is your one-stop resource for the info you need to manage your health plan benefits and help improve your health
My Health Rewards
Earn points and get rewards with My Health Rewards, an online tool that helps you take small steps to reach your health goals
Medica CallLink connects you with trusted advisors and nurses to get the health answers you need—at no extra cost
On-demand help for stress, anxiety and depression
Omada offers a better way to lose weight and reduce your risks for type 2 diabetes and heart disease
Hit the gym a set number of times each month, get a $20 monthly credit* to help pay the bill
Ovia Health apps give you on-demand, personalized support throughout your parenthood journey
Employee Assistance Program (EAP)
The Medica Optum EAP is here for you through life’s challenges. You can get answers and resources to tackle the tough issues you and your family face
What is an HSA?
2023 IRS Limits:
$3,850 for a single contract
$7,750 for a two person or family
Employees age 55 and over may contribute an additional $1,000 "catch-up" contribution annually.
You can take a distribution from you HSA at any time. Distributions for eligible health care expenses are tax free. If you take a distribution from your HSA for non-health care expenses, the distribution will be subject to income tax and a 20 percent excise tax until age 65 and then only income tax would apply. If you are disabled or reach age 65, you can receive non-heath care distributions without penalty, but such distributions are subject to income tax.
For more information about eligible HSA expenses, consult IRS Publications 502 and 969 at www.irs.gov.
Delta dental provides comprehensive coverage to help you and your family maintain good dental health. The dental plan utilizes two Delta Dental network options, but still provides you with the freedom to see any dentist you choose:
To find out if your provider is in-network, please visit the Delta Dental website below.
Minnesota Lung Center provides you with Basic & Voluntary Life/AD&D coverage as well as Long-Term Disability and Voluntary Short-Term Disability through The Standard.
Employees working 30 or more hours per week are eligible for $20,000 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.
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. 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.
Voluntary 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 Minnesota Lung Center pays 60% of your income to a maximum of $1,000 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 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.
Below is the information on how employees may apply for EOI:
Evidence of Insurability (Medical Underwriting):