INTRO
Wayzata Country Club offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.
Elections you make during open enrollment will become effective January 1, 2022.
OVERVIEW
Medical
- Premium reduction across all plans and networks. The reduction averages between 10% and 8% depending on the plan and network.
- Adding Omada, a new diabetes and heart disease prevention and management program.
- Adding MyStrength, a new digital program that uses cognitive behavioral therapy to support your mental health.
- Under both High Deductible Health Plans (HDHPs), Virtuwell visits are covered at 100% after the deductible. The Cares Act exception to cover these visits with no cost share has ended.
- Infertility diagnosis out-of-network is covered the same as the in-network benefit.
- Non-emergency air ambulance and transportation outside the network pays at in-network benefits, if medically necessary.
Dental
- 3.5% premium increase
Health Savings Account - 2022 IRS limits for Health Savings Accounts Contributions
- Single: $3,650
- Single + 1 and Family: $7,300
Your Employee Benefit Guide and this Landing Page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this landing page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.
2022 Open Enrollment Presentation
Video
2022 Open Enrollment Presentation
Video
2022 WCC Benefits Guide
2022 WCC Benefits Guide
ENROLLMENT
- If you are not making changes, your current coverage and networks will carry over to the new plan year.
- All employees must complete the 2022 enrollment form whether you are keeping, changing or waiving coverages.
- 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 2022, you MUST make an active election each year. If you participated in a Flexible Spending Account in 2021, only $500 will carry over into your 2022 Flexible Spending Account.
IMPORTANT TO HIGHLIGHT
- The medical plan offers a choice of two networks
- The 2022 Enrollment Form lists each plan option with the corresponding network cost
- Be sure to select either a Perform Network Plan or an Achieve Network Plan
ELECTION CHANGES
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.
MEDICAL
WCC 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. The plans are offered through HealthPartners.
PLAN CHOICES
- Plan 1: $2,500-75% Three for Free
- Plan 2: $5,000-100% HDHP
NETWORK CHOICES
- Perform Network: The Perform network provides access to more than 950,000 doctors and 6,000 hospitals in the United States. The network excludes the Mayo Health System, Mayo Clinic–Rochester, St. Mary’s Hospital and Rochester Methodist Hospital. There is no need to select a primary care clinic. And you don’t need referrals to see specialists. You can search the Perform network at www.healthpartners.com/perform.
- Achieve Network: The Achieve network includes Park Nicollet and HealthPartners doctors, clinics and hospitals, and a select group of independent doctors, clinics and hospitals. It is designed to provide top-notch care options for those living in the Twin Cities metro or St. Cloud areas. There is no need to select a primary care clinic. And you don’t need referrals to see specialists. The Achieve network will provide greater cost savings compared to the Perform Network. You can search the Achieve network at www.healthpartners.com/achieve.
Refer to your Employee Benefits Guide or to the HealthPartners Plan Summaries for additional coverage information.
HSA
As an eligible employee, you are eligible to participate in a Health Savings Account (HSA)
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents. You must be enrolled in WCC's Plan 2 to be eligible to contribute to an HSA.
At enrollment, you select how much money you want deducted from each paycheck on a pre-tax basis to meet your medical needs. You may change your election throughout the year. The IRS limits the amount of contributions employees are allowed each year, as follows:
2022 Annual Maximum Contribution
- Employee Only: $3,650
- Employee + 1: $7,300
- Family: $7,300
Note: WCC makes an annual employer contribution towards your Health Savings Account:
- Employee Only: $1,000
- Employee + 1: $1,300
- Family: $1,600
If you are 55+, you can also make an additional $1,000 “catch-up” contribution annually.
FSA
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.
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 $2,750 annually
- 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
Limited Health Care FSA used with an HSA
- Up to $2,750 annually
- Only participants who contribute to an HSA are eligible
- Reimbursements are limited to unreimbursed dental and vision expenses only
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 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. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
DENTAL
Your dental plan is through HealthPartners.
You get to choose from three great networks. You’ll pay a lower premium when you choose the HealthPartners
Dental Select network.
VISION
EyeMed provides coverage for prescription glasses and contact lenses, as well as other vision-related items.
How the Plan Works
Eyemed's Insight network offers access to a large variety of providers; using an in-network provider increases your discounts for services. This plan provides coverage for materials and hardware only. Coverage for vision exams are provided as a preventive service through your medical plan.
2022 Virtual Fair Site
Enter Password: CQ92UWMM
2022 Virtual Fair Site
Enter Password: CQ92UWMM
BASIC LIFE/AD&D
WCC provides eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
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.
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.
LTD
Long Term Disability Insurance through Unum can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.
Benefit Features
- Benefit begins after 90 day elimination period if remain disabled
- Benefit equal to 60% of pay – benefit is taxable income
- Monthly maximum benefit is $4,000; minimum is $100
- Pre-existing condition limitations apply for first 12 months
CONTACT US
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, HealthPartners Enrollment Guide and other videos and information found on this Landing Page. If you don't understand your benefits or need any assistance please contact:
Jeanne McClellan
(952) 475-9756
JMMcClellan@wayzatacc.com
Dave Johnsen
(952) 475-9755
Dave.Johnsen@wayzatacc.com