WELCOME AND INTRODUCTION
Helping you and your family reach and maintain good health is important to MP Nexlevel. MP Nexlevel 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.
Benefits for Eligible Employees* Include:
- Medical, Dental and Vision
- Basic and Supplemental Life
- Disability and Accident
- 401k Retirement Plan
- Employee Stock Purchasing
- Employee Assistance Program
- Paid Time Off
- Paid Holidays
- Various employee discount programs
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by MP Nexlevel.
In addition, the following family members are eligible for certain benefits as well:
- Legally married spouse
- Dependent child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you)
- An unmarried child(ren) incapable of self-support
To review your benefits, please download and review the 2026 Benefit Guide. This guide will include a summary of the benefits MP offers along with premium costs for 2026. It is important to review this guide along with the summary of benefits included on this site in order to understand each benefit and its offering.
To access your applicable plan documents, please visit the below link and log into your Webapps account. Click on the Human Resources tab, then Benefits.
MEDICAL/RX
BCBSMN administers your medical and prescription drug benefits this year. The medical plan includes a prescription drug benefit, which covers prescriptions at participating pharmacies and mail-order maintenance drugs.
To find out if your provider is in-network, please visit the BCBSMN website below and use find a provider resource tool.
DENTAL
MP Nexlevel's dental plan provides comprehensive coverage to help you and your family maintain good dental health.
To find out if your provider is in-network, please visit the MetLife website below.
VISION
MP Nexlevel offers vision coverage through MetLife to help pay for eye exams, prescription glasses and contact lenses. In addition the plan provides benefits for prescription safety glasses. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the MetLife website below.
LIFE & DISABILITY
MP Nexlevel provides you with Basic Life and AD&D coverage. You have the option to enroll in Voluntary Life/AD&D coverage through MetLife.
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. You have the option to enroll in Short Term Disability coverage through MetLife. Benefits begin after a 14 day waiting period. The benefit pays 60% of your income to a maximum of $2,500 per week.
Voluntary 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. You have the option to enroll in Long Term Disability coverage through MetLife. Benefits begin after a 90 day elimination period. Benefits are equal to 60% of covered monthly earnings up to the stated maximum based on your employment classification.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
FSA
We continue to offer health care and dependent care flexible spending accounts (FSAs) for eligible employees*, administered by Alerus, which allow you to pay for eligible health and dependent care expenses with pretax dollars. 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.
*Eligible employees are those not subject to seasonal layoff.
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 $3,400 annually
- All FSA benefit eligible employees can participate, unless you or your spouse are contributing to an HSA.
- Reimbursements allowed for qualified medical, RX, dental, and vision expenses
- FSA debit cards will be mailed to all participants
Dependent Care FSA
- Up to $7,500 annually
- Limited to $3,750 if you are married and file separate tax returns
- Dependent Care allows employees to use pre-tax dollars to pay for incurred childcare expenses (such as: daycare, nanny, after-school care, etc)
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.
VOLUNTARY BENEFITS
MP Nexlevel provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees.
Additional benefits include:
- Accident Care
- Critical Illness
EMPLOYEE ASSISTANCE PROGRAM (EAP)
The Employee Assistance Program (EAP) is a FREE benefit available to all MP employees. The EAP provides you with anytime access to professional counseling, information, and resources to help you through difficult times. This is a great resource if you are looking to speak to someone confidentially (online or via phone) about any hardships you may be facing. This service is 100% confidential and no information is shared with the employer. You do NOT need to be on MP’s health insurance to utilize.
Our EAP & Mental Health Services are managed by Telus Health:
TELUS Health offers extra help for handling real-world, everyday challenges. You and your family members can receive free and confidential assistance for resources, referrals and counseling by qualified professionals.
Resources available include:
- Mental health, addiction, stress, and smoking cessation support
- Family concerns, child/elder care
- Financial advice and legal concerns
There is no cost to your or your family to use your EAP. Your EAP can provide a series of sessions with a professional and if you need more specialized or longer-term support, our team of experts can suggest an appropriate specialist or service that is best suited for your needs. While fees for these additional services are your responsibility, they may be covered by your health insurance plan.
Your EAP is completely confidential within the limits of the law. No one, including your employer, will ever know that you have used the program unless you choose to tell them.
401(K) PLAN
Building a strong financial foundation for your future is an ongoing process. MP Nexlevel's 401(k) Plan, managed by Fidelity, is designed to help you save for retirement by offering tax advantages as well as the convenience of payroll deductions.
Eligibility and Enrollment
You become eligible to participate in the 401(k) Plan if you worked at least 6 months are at least 21 years of age. You will be automatically enrolled into the 401(k) plan once you become eligible unless you elect not participate in the Plan by declining your enrollment.
401(k) Plan Account Features:
- Pre-tax contributions
- Investments
- Company match contributions
- Rollover contributions
- Loans
- Financial Hardship
WELLBEING RESOURCES
Blue Care Advisor is a tool to help you connect to all your benefits, claims, programs, rewards and more. If you currently have a login for the BCBSMN Member app, this will be the same login for Blue Care Advisor. You will just need to download the Blue Care Advisor app or login with the link below. If you do not yet have a login for BlueCross BlueShield, you can register with the link below.
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 have questions regarding the offered benefits or the election process, please contact:
MP Nexlevel Human Resources
320-963-2400
human.resources@mpnexlevel.us