Table of Content
- Header
-
Page
- Welcome
- Overview
- Enrollment
- New Hires
- Medical
- Medica Health Resources
- HSA
- Dental
- VISION
- Life & Disability
- Additional Benefits through Standard
- FSA
- 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 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 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
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.
Medical
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:
Medica Health Resources
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
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
CallLink
Medica CallLink connects you with trusted advisors and nurses to get the health answers you need—at no extra cost
Sanvello
On-demand help for stress, anxiety and depression
Omada
Omada offers a better way to lose weight and reduce your risks for type 2 diabetes and heart disease
Fit Choices
Hit the gym a set number of times each month, get a $20 monthly credit* to help pay the bill
Ovia Health
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
HSA
What is an HSA?
- Financial account that is owned by you and is portable
- Must be paired with a high-deductible health plan
- No “use it or lose it”, unused funds roll over
- Tax advantages
- Contributions are tax-free
- Interest earned or investment gains are tax-free
- Distributions are not taxed if used for qualified healthcare expenses
- Investment opportunities
- Qualified healthcare expense must be incurred on or after the HSA was established
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.
Distributions
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.
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.
Dental Rates
To find out if your provider is in-network, please visit the Delta Dental website below.
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 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):
- The employee may fill out online - Medical History Statement Online (recommended) - (Link Below)
- The employee may fill out via paper - Medical History Statement Paper- (Link Below)
- When the paper form is filled out, it can be sent directly to our medical underwriting team at: musc@standard.com
Additional Benefits through Standard
Employee Assistance Program (EAP)
You, your dependents (including children to age 26) and all household members can contact master’s-degreed clinicians 24/7 by phone, online, live chat, email and text. There’s even a mobile EAP app. Receive referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services.
Your program includes up to three face-to-face assessment and counseling sessions per issue.
EAP services can help with:
- Depression, grief, loss and emotional well-being
- Family, marital and other relationship issues
- Life improvement and goal-setting
- Addictions such as alcohol and drug abuse
- Stress or anxiety with work or family
- Financial and legal concerns
- Identity theft and fraud resolution
- Online will preparation
Life Service Toolkit
The Standard offers a Life Services Toolkit to helps families in the event of a death. Online tools and services that can help you create a will, make advanced funeral plans, and put your finances in order. After a loss, your beneficiary can consult experts by phone or in person, and obtain helpful information online.
Travel Assistance
Unforeseen events or circumstances can derail travel plans. Travel Assistance can help you navigate these issue day or night when you travel more that 100 miles away from home or internationally for up to 180 days.
Understanding Your Benefits
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 webpage. If you don't understand your benefits or need any assistance, please contact:
Deb Hilden
952-852-5314
deb.hilden@mlcmsi.com