WELCOME

Helping you and your family reach and maintain good health is very important to Minnesota Lung Center. Minnesota Lung Center 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 30 hours per week are eligible to participate in benefits offered by Minnesota Lung Center. When you enroll in the benefits program, you may also cover your eligible benefits. 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.



OVERVIEW

Minnesota Lung Center remains committed to providing a competitive, cost-effective benefit program. We are implementing some changes and additions for the 2022/2023 plan year, which we hope will be positively received by you and your families. Below are highlights of changes that will become effective on April 1, 2022.


Please review your 2022 Minnesota Lung Center Open Enrollment Employee Benefits Guide for information on all of your benefits.

ENROLLMENT

How To Enroll In Benefits


All elections must be submitted by 12pm on March 15th. The benefits you elect during open enrollment will be effective from April 1, 2022- March 31, 2023.


If you do not actively enroll in benefits for the 2022/2023 plan year, then the plans you are enrolled in for 2021/2022 will automatically be rolled into 2022/2023.


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.

Enrollment Form

Medical

Enrollment Form

Medical

Enrollment Form

Dental

Enrollment Form

Dental

Benefits Guide

Benefits Guide

MEDICAL

Medica will continue to administer your medical and prescription drug benefits this year.


For 2022 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 $2,800-0% 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.


Medica - Find Care

Preferred Provider Organization (PPO) Overview

Preferred Provider Organization (PPO) Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

High Deductible Health Plan (HDHP) Overview

High Deductible Health Plan (HDHP) Overview

SBC

0%-$25 Passport

SBC

0%-$25 Passport

SBC

$3,300-$35 Passport

SBC

$3,300-$35 Passport

SBC

$3,300-$35 Elect

SBC

$3,300-$35 Elect

SBC

$2,800-0% HSA

SBC

$2,800-0% HSA

My Health Rewards

My Health Rewards

Enrollment Form

Enrollment Form

DENTAL

Delta Dental

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:


  • Delta Dental Premier – the largest network in Minnesota and the nation with over 134,000 participating dentists nationwide – 2,650 in Minnesota.
  • Delta Dental PPO – a smaller network than Delta Premier with more than 74,000 providers nationwide – 1,500 in Minnesota. The PPO network offers more significant discounts due to stronger negotiated dentist fees. 
  • Non-Participating Providers - if your dentist is not a participating Delta Dental provider, you don’t need to change. However, you pay more out of your pocket because fees have not been negotiated between Delta Dental and your dentist. 


To find out if your provider is in-network, please visit the Delta Dental website below.


Delta Dental - Find A Dentist

Dental Insurance Overview Video

Dental Insurance Overview Video

Enrollment Form

Enrollment Form

Delta Dental Plan Summary

Delta Dental Plan Summary

LIFE & DISABILITY

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.


Basic Life/AD&D

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.


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. 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 are equal to 66.67% of covered monthly earnings up to $5,000 for full-time employees.


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Disability Insurance Overview

Disability Insurance Overview

Standard Enrollment Form

Standard Enrollment Form

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) and you must make your election on an annual basis.


You may contribute as follows:

$3,650 for a single contract

$7,300 for a two person or family


Employees age 55 and over may contribute an additional $1,000 "catch-up" contribution annually.

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Deb Hilden

952-852-5314

deb.hilden@mlcmsi.com


Client Contacts

DH

Deb Hilden

deb.hilden@mlcmsi.com

(952) 852-5314