Table of Content
- Header
- Welcome
- 2024 Open Enrollment
- New Hires
- New Section
-
Medical
- Medical Insurance Costs
- Find A Provider
- Medica Resources
- Medical Benefit Summaries
- Certificates of Coverage
- HSA
- FSA
- HRA VEBA
-
Page
- Voluntary Dental
- New Sub Section
- Voluntary Vision
- Life AD&D
- Disability
- Understanding Your Benefits
-
Additional Benefits
- Williston Fitness Center & The Marsh Employee Membership
- Employee Assistance Program
- Required Notices
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to the City of Minnetonka. The City of Minnetonka 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.
Review the information provided in this website. When you are ready to enroll, scroll down and select 'ENROLL."
New Hires
How to Enroll:
Review benefit information in this site and select enroll below to begin your enrollment.
New Hire passwords will be set to your social security number. Example: 949121234. You will be prompted to change your password after you log in.
Eligible Dependents
You may elect certain coverage options for your eligible dependents. Your eligible dependents include:
- Your legal spouse
- Your dependent child or stepchild up to age 26
- Any child placed with you for adoption or for whom you have legal guardianship
- Any unmarried, disabled child of any age who resides with you and who was medically certified as disabled prior to their 26th birthday and who is primarily dependent upon you for support
- Any child under 26 years of age including natural children, stepchildren, legally adopted child, and children placed with you for adoption, and children for whom healthcare coverage is required through a Qualified Medical Child Support Order (QMCSO) or other court or administrative order – even if the child does not reside with you.
Qualifying Life Event Changes
The Benefit choices you make as a new hire remain in effect for the entire year unless you experience a qualified life event and request the change within 30 days of the event.
Examples of qualifying events include:
- Legal marital status – marriage, death of spouse, divorce, legal separation, or annulment
- Number of dependents – birth, adoption, placement for adoption, divorce or death of a dependent, or assuming primary support of a child of an unmarried dependent child
- Employment status – eligible spouse or dependent gains or loses access to employer-sponsored coverage
- Spouse’s or dependent’s open enrollment period
- Dependent status – change due to age or other circumstance which causes your dependent to satisfy or cease to satisfy eligibility requirements under the plan
- Medicare or Medicaid eligible status – you or your spouse become Medicare or Medicaid eligible.
Contact Human Resources if you have questions about qualifying events.
Medical
The City of Minnetonka’s medical plan is provided by Medica. Our Medica plans give you the option to reduce your premium by selecting a smaller network. Medica plans provide an extended network when traveling and a rich wellness platform.
All of our plans included an Embedded Deductible. With Embedded Deductibles, 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.
Your Medical Plan Choices
- The co-pay-0% plan will not be available in 2024. Current participants must choose a new plan during open enrollment.
- The $2,500/$5,000-0% HRA with VEBA plan deductible is increasing to $3,000/$6,000.
- The $3,000/$6,000-0% HSA and HSA RX plans deductibles are increasing to $3,200/$6,400 due to IRS changes and to keep embedded deductibles.
- A new network option – VantagePlus ACO – was added to all plans.
Network Choices:
- Passport: This is Medica’s largest network of providers which includes the Mayo Clinic Health System. Through this network you have nationwide in-network coverage available when you travel. No referrals needed.
- Elect: This is a mid-sized regional network that still offers nationwide in-network coverage when you travel and requires that you enroll in a Primary Care Clinic (PCC). Each family member can choose a different care system. Whenever you need care, you’ll always start at your PCC. If you can’t get the care you need within your care system, you can ask your PCC for a referral to see a provider in another care system. Primary Care Clinics can be changed once each month by contacting Medica prior to the 15th of the prior month.
- Park Nicollet and HealthPartners is an Accountable Care Organization (ACO) that provides teams of health care providers (such as clinics, hospitals, doctors and specialists) who partner with Medica to make health care more efficient and improve your member experience. You get same-day primary care appointments, plus evening and weekend hours. This ACO includes direct access without a referral to more than 55 medical and surgical specialties, 50 neighborhood clinics, 20 urgent care locations and 18 specialty care centers.
- VantagePlus ACO connects members to more than 4,800 providers, 650 clinics, and 11 hospitals. The network includes health care providers you know and trust from M Health Fairview, North Memorial Health, and many more popular independent clinic. Members in the VantagePlus ACO network get in-network coordinated care to academic medicine and providers at the University of Minnesota and high-level trauma care and support from providers at North Memorial Health without a referral.
The following chart is a summary of in-network benefits. See the Summary of Benefits and Coverage (SBC) for more details and out-of-network benefits below. If there is a difference between this summary and the Summary Plan Description, the plan description will prevail. Contact Human Resources for a printed SPD.
The city cafeteria contribution can be used to purchase your medical, dental, vision, short-term disability and life insurance plans. If you have a balance leftover, you keep it as additional wages. Any expenses over the cafeteria amount are deducted pretax on your paycheck. HealthRewards contributions are awarded based on prior year participation. All benefits are processed on two pay periods each month.
*The $3,200-0% HSA RX plan benefit includes copays for drugs on the Medica 2024 Preventive Drug List only. Drugs not on this list will be covered after the deductible is met.
Medical Insurance Costs
Find A Provider
FIND AN IN-NETWORK PROVIDER (MEDICA)
- Visit www.medica.com/findadoctor
- Choose your network
- Or, call customer service at 1.952.945.800 or 1.800.952.3455
Medica Resources
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.
MY HEALTH REWARDS INVEST
Track your steps, sleep and healthy activities to earn up to $75 per month deposited into your HSA for a potential earnings of $900 per year.
CALLLINK
Medica CallLink connects you with trusted advisors and nurses to get the health answers you need—at no extra cost.
SELF CARE BY ABLETO
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.
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.
LIFE TIME DIGITAL FITNESS PROGRAM
Life Time Digital Fitness Program offers on-demand and virtual classes for you at no additional cost.
Medical Benefit Summaries
Summary of Benefits and Coverage
Certificates of Coverage
HSA
WEX
Health Savings Account
Why should I choose a medical plan with a health savings account (HSA)?
An HSA is a benefit that allows you to choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses or use as a retirement savings tool. This plan offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying your retirement portfolio.
Can I enroll?
You must be enrolled in our $3,200-0% HSA or $3,200-0% HSA RX high-deductible health plans (HDHP). You’re not eligible for an HSA if:
- You’re claimed as a dependent on someone else’s taxes.
- You’re covered by another plan that conflicts with the HDHP, such as Medicare, a medical flexiblespending account (FSA) or select health reimbursement arrangements (HRAs).
- You or your spouse are contributing to a medical FSA anytime in 2024.
2024 Annual IRS Maximum HSA Contributions Limits (your contributions plus Medica Invest Contributions)
- Employee Only: $4,150
- Employee+ 1: $8,300
- Family: $8,300
Employees age 55 and over may contribute an additional $1,000 as catch-up contribution each year
RESOURCES
The Resource section contains various information regarding your plan offering and tools for day-to-day administration. Learn more about the MHC-WEX Partnership.
General Participant Resources:
- How to set-up Direct Deposit [Video | Article]
- How to set-up your online account [Video | Article]
- How to set-up a mobile app [Video | Article]
- How to file a claim in your online account [Video | Article]
- How to order a new or replacement debit card [Video | Article]
- Find FSA, HSA & HRA with VEBA eligible expenses on the Interactive Eligible Expense List
HSA
- HSA Guide
- HSA Handout
- What is an HSA [Video]
- How to Manage HSA Investments online [Video | Article]
- How to set up your HSA investments in your online account [Video | Article]
- How to request a distribution in your online account [Video | Article]
- Blocked HSA Accounts and the US Patriot Act [Video | Article]
- How to upload documents to validate a blocked HSA in your online account [Video | Article]
Do you have money in a VEBA from a prior year but are contributing to an HSA in 2024?
If so, you are not allowed to spend your VEBA money until the IRS HDHP minimum deductible is met. Use the VEBA Plan Change Form link below to freeze your VEBA account.
Please visit the WEX HSA website below:
FSA
WEX
Flexible Spending Account
Why should I choose a Flexible Spending Account (FSA)?
Flexible Spending Accounts (FSAs) are designed to save you money on your taxes. They work in a similar way to a savings account. Each pay period, funds are deducted from your pay on a pretax basis and are deposited to your Health Care and/or Dependent Care FSA. You then use your funds to pay for eligible health care or dependent care expenses.
Important information about FSAs
Your FSA account is administered through WEX. 2024 elections will be in effect through Dec. 31. Claims incurred by Dec. 31, 2024 must be submitted to WEX for reimbursement within 90 days after the end of the plan year to be eligible for reimbursement.
Use-it-or-Lose-it Rule: You may carry over up to $610 of unused funds each year. Any remaining unused funds over $610 will be forfeited. This is known as the “use it or lose it” rule and it is governed by IRS regulations. Note that FSA elections do not automatically continue from year to year; you must actively enroll each year.
The Advantages of an FSA
With an FSA, the money you contribute is never taxed – not when you put it in the account, not when you are reimbursed with the funds from the account, and not when you file your income tax return at the end of the year.
Health Care FSA
- Eligible Expenses: Most medical, dental, and vision care expenses that are not covered by you health plan (such as copayments, coinsurance, deductibles, eyeglasses, and doctor-prescribed over the counter medications)
- Annual Contribution Limits: Maximum contribution is $3,050 per year
- Benefits: Saves on eligible expenses not covered by insurance, reduces your taxable income
Limited Purpose FSA
- Eligible Expenses: Dental and Vision expenses for those enrolled in an HSA plan
- Annual Contribution Limits: Maximum contribution is $3,050 per year
- Benefits: Save on eligible expenses, reduces taxable income
Dependent Care FSA
- Eligible Expenses: Dependent care expenses (such as day care, after school programs, or elder care programs) so you and your spouse can work or attend school full-time
- Annual Contribution Limits: Maximum contribution is $5,000 per year ($2,500 if married and filing seperate tax returns)
- Benefits: Reduces your taxable income
Save on Your Taxes
Here is an example of how much you can save when you use the FSAs to pay for your predictable health care and dependent care expenses.
*This is an example only, and may not reflect your actual experience. It assumes a 25% federal income tax marginal rate and a 7.7% FICA marginal rate. State and local taxes vary, and are not included in this example. However, you will also save on any state and local taxes as well.
RESOURCES
The Resource section contains various information regarding your plan offering and tools for day-to-day administration. Learn more about the MHC-WEX Partnership.
General Participant Resources:
- How to set-up Direct Deposit [Video | Article]
- How to set-up your online account [Video | Article]
- How to set-up a mobile app [Video | Article]
- How to file a claim in your online account [Video | Article]
- How to order a new or replacement debit card [Video | Article]
- Find FSA, HSA & HRA with VEBA eligible expenses on the Interactive Eligible Expense List
FSA
- FSA Guide
- FSA Handout
- FSA Fact Sheet
- Dependent Care FSA Handout
- What is an FSA [Video]
- Receipt Requirements [Video | Article]
- Medical Flexible Spending Account Eligible expenses [Video | Article]
- Dependent Care Flexible Spending Account Eligible Expenses [Video | Article]
Please visit the WEX FSA website below:
HRA VEBA
WEX
Health Reimbursement Arrangement
Why should I choose a medical plan with a HRA with VEBA)?
The Voluntary Employees’ Beneficiary Association (VEBA) HRA plan is a type of a tax-free plan funded by employer contributions that you and your dependents may use to pay for eligible expenses. You must be covered by our $3,000-0% plan to be eligible for HRA with VEBA.
RESOURCES
The Resource section contains various information regarding your plan offering and tools for day-to-day administration. Learn more about the MHC-WEX Partnership.
General Participant Resources:
- How to set-up Direct Deposit [Video | Article]
- How to set-up your online account [Video | Article]
- How to set-up a mobile app [Video | Article]
- How to file a claim in your online account [Video | Article]
- How to order a new or replacement debit card [Video | Article]
- Find FSA, HSA & HRA with VEBA eligible expenses on the Interactive Eligible Expense List
HRA with VEBA
Voluntary Dental
Humana
- The Humana dental plan provides the same cost sharing in-network and out-of-network, giving you the freedom to choose any dentist
- Increased coverage (50% to 80%) for out-of-network basic and restorative services
- When you go to an out-of-network dentist, Humana will pay the same as 90% of dentists in the area, so you pay less out-of-pocket than with other out-of-network plans
- After the plan has paid the annual maximum, they will continue to pay 30% for all in-network and out-of-network services
- Human provides 100% coverage for three cleanings per year
To find in-network dental providers, use the Find a Doctor tool on the Humana website:
- Choose Dentist
- Enter your zip code
- Select the PPO coverage type
- Select the PPO/Traditional Preferred network
- Select a search category and appropriate search criteria
- Choose Search
Voluntary Vision
Avesis
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
Your vision health is an important part of complete wellness. The city offers a vision benefit, which is designed to give you and your covered family members care, value and service to help maintain good vision and overall health. If you are enrolled in the city's medical plan, your annual vision exam is covered by our Medica medical plan. Choose our Avesis vision plan to help pay for contact lenses or glasses for you and your family.
Please find links to Avesis resources below:
Life AD&D
SunLife
The City of Minnetonka provides you with Basic & Voluntary Life/AD&D coverage through Sun Life.
Basic Life
The City of Minnetonka provides a $35,000 basic life insurance and AD&D plan at no cost to you, as well as the opportunity to purchase supplemental coverage for yourself and eligible family members.
Voluntary Life and AD&D Insurance
In addition to the Basic Life plan, employees can purchase the following Supplemental Life and AD&D insurance:
- Employee: $5,000 to $500,000 with a new hire guarantee issue amount of $150,000
- Spouse: $5,000 to $250,000 with a new hire guarantee issue amount of $75,000
- Dependents: $10,000 or $15,000 for each eligible child from birth to 26 years
Amounts elected over the guarantee issue require completion of health questions and approval from Sun Life. If you waive insurance when first offered then elect it or increase your amount at open enrollment, you will be required to complete health questions and be subject to approval from Sun Life.
Features of the Plan
The Voluntary Life plan includes Optional Accidental Death and Dismemberment (AD&D) Insurance which would pay an additional benefit, up to the amount of your Optional Life benefit, if you suffer a covered loss due to accident. The plan also includes many special features including Waiver of Premium and Accelerated Benefits.
How to Enroll
New hires can elect up to the guaranteed issue amount without completing an Evidence of Insurability (EOI) form and answering health history questions. Current employees will need to complete an Evidence of Insurability (EOI) form and answer health history questions if they elect to add or increase coverage at open enrollment. Sun Life will review your EOI form and notify you when your new coverage is approved or denied.
Voluntary Employee, Spouse and Child Life Rates
NCPERS
Optional Group Decreasing Term Life Insurance
Employees can also purchase term life coverage through the Voluntary Group Life Plan with the National Conference on Public Employees Retirement Systems (NCPERS).
This gives you the opportunity to purchase affordable term life insurance with no medical evidence requirements. The monthly cost remains the same regardless of age. This plan provides group decreasing term life insurance for you and your spouse or domestic partner, and a flat benefit for all of your dependent children.
Provided by National Conference on Public Employee Retirement Systems
Coverage is available at a lower group cost through the purchasing power of the National Conference on Public Employee Retirement Systems. Every member, regardless of age, pays the same cost — just $16 a month. Your cost does not increase with age. The plan pays a maximum benefit amount in your younger years and a gradually decreasing benefit amount in your older years.
Advantages
- Guaranteed Acceptance — no health questions
- Continuation option at retirement or if you resign
- Affordable — $16 a month regardless of your age
- Easy Payment — by automatic payroll deduction
- Coverage for unmarried children up to age 26, even if they don’t live with you
New Student Loan Benefit
The Student Loan Protection benefit is included in Group Decreasing Term Life Insurance Plan at no extra cost. For members age 45 and under, Prudential will reimburse the amount of student loans you owe up to a maximum of $50,000, should you become totally disabled under the terms of the policy* and have an outstanding student loan balance.
Please visit the Sun Life and NCPERS website below:
Disability
Madison National Life
STD & LTD
The City of Minnetonka provides you with Short- and Long-Term Disability through Madison National Life.
Short-Term Disability (STD)
The city's short-term disability program provides a monthly benefit from the 15th day of disability through the 90th day, when long-term disability becomes effective. Short-term disability insurance provides income assistance and a way to help you pay your bills and keep your life as normal as possible if you become sick or injured and cannot work.
- Protect your income for the first three months of a disability with Short Term Disability insurance.
- Benefits begin on the 15th day of an injury or 15th day of a sickness/maternity and can be payable up to 90 days.
- You may select your level of coverage in $50 increments from weekly benefits of $100 up to $2,300, not to exceed 60% of weekly gross earnings.
Long-Term Disability (LTD)
Long-Term Disability insurance offers you a way to replace part of your income if you should suffer a serious illness or injury and can’t work. The City of Minnetonka provides a Long-Term Disability plan to you at no cost to you.
- The benefit can begin after 90 days, and the benefit can continue for up to your normal Social Security Retirement Age.
- Covers 60% of your monthly income.
Please find links to Madison National Life resources below:
Understanding Your Benefits
Additional Benefits
Williston Fitness Center & The Marsh Employee Membership
Effective Jan. 1, 2024, City of Minnetonka employees may enjoy a complimentary membership to Williston Fitness Center or The Marsh.
City employees not performing substantial duties at the facility will be taxed (via payroll) on the residential membership rate. Employees may elect to add a membership to the second facility (a combined Williston-Marsh membership). Dual or family memberships may be purchased for an additional fee.
How to enroll in an employee membership
- Fill out the Employee Membership Enrollment Form below.
- Have your supervisor or Human Resources sign the form. If signed by supervisor, please send a copy to Clarice Kessler in Human Resources.
- Take the completed form to Williston or The Marsh to activate your membership.
Note: All membership changes to Williston Fitness Center or The Marsh must be completed by the 15th of the month prior to changes going into effect.
More information is available on inSite.
Williston Fitness Center
Williston Fitness Center is a city-run exercise and fitness center, located at 14509 Minnetonka Drive. Amenities include:
- Fitness center, personal training
- Group fitness studios, classes
- Tennis courts
- Swimming pool, whirlpool, sauna, splash pad
- Baseball and softball cages
- Basketball court
- Treehouse indoor playground
Questions? Contact Williston Fitness Center at 952-939-8370.
The Marsh
The Marsh is a city-run health and wellness center, located at 15000 Minnetonka Blvd. Amenities include:
- Fitness center, personal training
- Group fitness studios, classes
- Lap pool, therapy pool, whirlpool, sauna, steam room
Questions? Contact The Marsh at 952-908-7000.
Employee Assistance Program
Administered by Sand Creek Group Ltd
All employees, spouses, dependents and household members have access to Sand Creek EAP through:
- In-person counseling (five sessions/year for each different reason for contact)
- Phone/chat/video support 24/7, 365 days a year at 651-430-3383 or 888-243-5744
- Member portal: mylifeexpert.com with code citymtka
- My Life Expert phone app with code citymtka
Sand Creek can help with everyday struggles: Family conflict, anxiety, depression, substance misuse, adoption/child care/elder care, divorce/custody, budgeting, estate planning, wills, real estate, legal assistance, identity theft, home buying, college planning, managing taxes and more.
Required Notices
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:
Clarice Kessler
(952) 939-8210
ckessler@minnetonkamn.gov