Minnesota Masonic offers a wide range of benefits focused on your wellbeing.
We genuinely care about your health and the well-being of your family. That's why Minnesota Masonic is proud to offer a comprehensive benefits package designed with your health and financial wellbeing in mind. These benefits offer employees quality medical care, dental care, life insurance, and other value-added services.
The information provided here can be used as a reference throughout the year and answer questions you may have so that you can make an informed selection of the benefits that best fit your needs. Quickly find the benefit information you need by clicking on each section in the navigation bar.
Our benefit program undergoes an annual review to ensure that it meets the needs of our diverse employees.
Should you have any questions after reviewing the information provided here, please feel free to reach out to Human Resources.
Highlights for 2027
Medical Plan
- Medica remains the carrier for 2027
- Employee premiums are increasing by 4.8%
- Your current medical plan benefits will remain the same for 2027
Dental Plan
- Delta Dental remains the carrier for 2027
- Employee contributions increased slightly
- Your current dental plan benefits will remain the same for 2027
Vision Plan
- EyeMed remains the carrier for 2027
- There are no changes to employee contributions
- You have the option to purchase a materials vision plan to cover lenses, frames and contacts.
Flexible Spending Account (FSA)
- ThrivePass remains the FSA administrator for 2027
- IRS Medical FSA Maximum contribution: $3,500(projected)
- Dependent Care: $7,500 ($3,750 for married couples filing separately)
Learn About Your Benefits
To help you learn about the benefits available to you and choose the options that best fit your needs and those of your family, please explore this site and review the Benefit Guides and Required Notices by clicking the buttons below.
Please review your current benefit elections. For your medical or your flexible spending account, verify your personal information and make any changes if necessary.
1. If you are not making changes, your current coverage and network will carry over to the new plan year.
2. If you are making changes, you must complete a change form.
3. If you are enrolling in a benefit you weren't enrolled in last year, you must also complete the necessary carrier enrollment forms.
REMINDER: if you wish to participate in a Flexible Spending Account in 2027, you MUST make an active election each year. Prior elections do not carry over.
Changing Your Elections
The benefit choices you make during your initial or annual enrollment remain in effect for the entire calendar year. You are, however, allowed to modify your elections in certain situations, called “qualifying life events.” If you experience a qualifying life event, as described below, you may make changes to your benefits within 30 days of the event.
Why It Matters
Missing the Special Enrollment Period could mean waiting until the next Open Enrollment to make changes—potentially leaving you or your family without coverage.
Questions?
Contact HR or benefits administrator for help navigating your options.
Medical Insurance
Administered by Medica
Minnesota Masonic is committed to supporting the health and overall well-being of our employees and their families by offering comprehensive medical coverage that provides access to quality care, financial protection, and peace of mind.
Medical Plan Options
Minnesota Masonic Home offers two medical plan options. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. You can choose to use providers in-or out-of-network at the time of service. Using in-network providers ensures you will receive the highest level of benefits at the in-network discounted costs.
Plan Choices
Plan 1: $1000-$35 Deductible / Copay Plan
Plan 2: $2000-$40 Deductible / Copay Plan
Review your decision carefully!
It is important to choose the network option carefully. You will not be able to make a new network selection until next year’s annual enrollment period. Refer to your Employee Benefits Guide or to the Medica Plan Summaries for additional coverage information.
Medica Choice Passport
A national network that gives you the flexibility to see any participating provider nationwide. It’s a great option if you want broad access and more choice when selecting providers. Explore the Choice Passport Network.
Medica Elect
A regional network that coordinates care through your selected primary care clinic and health system. Participating systems include Allina, Park Nicollet, Hennepin Healthcare, Children's Health, and others. Explore the Elect Network.
Medica VantagePlus
One of Minnesota's largest accountable care networks, featuring providers from M Health Fairview, North Memorial Health, and many independent clinics. Explore the VantagePlus Network.
Medica Essentia (Duluth Only)
Available in northern Minnesota, eastern North Dakota, and northwestern Wisconsin, this network includes Essentia Health providers, hospitals, and clinics throughout the region. Explore Essentia Choice Care Network.
Plan Details & Documents
Review the plan details Summary of Benefits and Coverage (SBC) for a more complete understanding of your coverage options.
Plan 1: $1000-$35 Deductible / Copay Plan
Plan 2: $2000-$40 Deductible / Copay Plan
Dental Insurance
Administered by Delta Dental
Minnesota Masonic is committed to supporting your overall health and well-being through comprehensive dental coverage. Our dental plan helps you and your family maintain good oral health while providing valuable coverage for preventive, basic, and major dental services. Click the link below to review your dental benefit summary.
Vision Insurance
Administered by EyeMed
Taking care of your vision is an important part of staying healthy. Minnesota Masonic offers a voluntary vision plan to help you and your family access routine eye care and save on the cost of eye exams, glasses, contact lenses, and other vision-related expenses.
Learn about your coverage options, search for in-network providers, discover member resources, and find answers to common questions. Access the Virtual Benefit Fair anytime from your computer, tablet, or mobile device. To get started, click the link below and enter password: DD27H78C.
Flexible Spending Account (FSA)
Administered by ThrivePass
Can be a great way to save money on taxes and pay for unexpected medical expenses.
Flexible Spending Accounts (FSA) allow you to reduce your taxable income by setting aside pre-tax dollars from each paycheck to pay for eligible out-of-pocket health care and dependent care expenses for yourself, your spouse and your dependent children.
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.
Health Care FSA
Maximum Annual Contribution | $3,500 (projected)
All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Dependent Care FSA
Maximum Annual Contribution | $7,500
Limited to $3,750 if you are married and file separate tax returns
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.
Important FSA Rule
Estimate expenses carefully. The federal use-it or lose-it law means that if you have not incurred enough expenses to reimburse the funds in your account at the end of the year, your remaining account balance will be forfeited. You do, however, have until March 31st annually to file your claims.
Keep your receipts! If you are audited, you’ll need proof that withdrawals were for qualified eligible expenses.
Learn more about your ThrivePass Account
Manage your FSA accounts in one place, and save for medical and dependent care needs
Life and Disability Insurance
Administered by New York Life
Be prepared for the unexpected. Life and disability insurance can help provide for your loved ones if something where to happen to you.
Minnesota Masonic provides eligible employees with basic life and AD&D insurance for free, plus options to purchase additional voluntary life and long-term disability coverage at group rates. Life benefits are paid to your beneficiary upon death, while AD&D benefits cover specific injuries or accidental death.
Basic Life and AD&D
This is an employer-paid coverage offering financial protection in the event of death or serious injury due to an accident.
The life benefit is payable to your designated beneficiary in the event of your death equal to 1x annual base salary up to a maximum of $50,000. AD&D benefits are payable to you in the event of a dismemberment, or an additional benefit is payable to your beneficiary if your death is the result of an accident.
Voluntary Life and AD&D
You have the option to choose extra coverage for yourself and your family. You can select coverage in increments, reaching up to seven times your annual salary or a maximum of $200,000 for yourself, up to 3-1/2 x employee basic annual earnings to a maximum of $50,000 for your spouse and up to $10,000 for children over 6 months (to age 19, 25 years if a full-time student)
This provides additional financial support for your family in the event of your passing or if you are diagnosed with a terminal illness.
Voluntary Long-Term Disability
Offers additional protection beyond the employer-paid LTD plan, which offers a weekly benefit if you experience a covered disability that prevents you from working. Long Term Disability insurance can help replace a portion of your income during your recovery. Benefit feature include
- Benefit begins after 180 day elimination period if remain disabled
- Benefit equal to 60% of pay – benefit is taxable income
- Monthly maximum benefit is $5,000
- Pre-existing condition limitations apply for first 12 months
What will my beneficiary receive?
In the event that death occurs: Your Basic Life insurance is paid to your beneficiary. If death occurs from an accident: 100% of the AD&D benefit would be payable to your beneficiary(ies) in addition to your Basic Life insurance.
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.
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Medica Quick Kit and other videos and information found on this Landing Page. If you don't understand your benefits or need any assistance, please contact:
Lisa Thorpe
(952) 948-6244 | Lisa.Thorpe@mnmasonic.org