Table of Content
- Header
-
Intro
- Benefits Overview
- ENROLLMENT
- ELECTION CHANGES
- MEDICAL
- HSA
- FSA
- DENTAL
- VISION
- BASIC LIFE/AD&D
- STD
- LTD
- Additional Resources
- CONTACT US
- Benefits Overview
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How To Enroll
- Qualifying Life Event
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Medical
- Plan & Network Choices
- New Sub Section
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HSA / FSA
- HSA
- Understanding Your HSA
- HSA Video
- FSA
- Understanding Your FSA
- What is an FSA Video
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Dental
- Dental Preventive First
- Vision
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Life & Disability
- Life and AD&D
- STD
- LTD
- What Will My Beneficiary Receive?
- Contact Us
- Footer
Wayzata Country Club genuinely cares about your health and the well-being of your family.
That's why we are proud to offer 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.
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.
Elections you make during open enrollment will become effective January 1, 2025. If you have any questions, please reach out to Human Resources.
Thank you!
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.
Click on buttons below to learn more about your 2025 benefits.
If you are not making changes, your current coverage and networks will carry over to the new plan year.
All employees must complete the 2024 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 complete the necessary carrier enrollment forms.
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REMINDER: if you wish to participate in a Flexible Spending Account in 2025, you MUST make an active election each year. If you participate in a Medical or Limited Flexible Spending Account in 2025, only $660 will carry over into your 2026 Flexible Spending Account.
Important To Highlight
• The medical plan offers a choice of two networks
• The 2025 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
Qualifying Life Event
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. To Learn more about QLE please click on the button below.
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IMPORTANT: You cannot make changes to these elections during the year unless you experience a qualified family status change, which must be reported to Human Resources within 30 days of the event. If you separate from employment, COBRA continuation of coverage may be available as applicable by law. COBRA Continuation details can be found in the required notices guide.
Administered through HealthPartners
Learn more about your available coverage and plan options here to ensure you choose the best fit for yourself and your family. WCC is dedicated to providing quality healthcare coverage for you and your loved ones.
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.
Wayzata Country Club offers eligible employees plan and network options in order to provide you with a choice in how you pay for care. You can choose from a traditional plan with copays or a high deductible health plan (HDHP) that works in tandem with a health savings account (HSA).
Plan Choices
Plan 1: $2,500-75% Three for Free
This plan covers preventive care at 100% -- with no deductible. The first three office visits are free*, that covers the physician or specialist services. For other services, such as inpatient or outpatient hospitalizations, emergency treatment, visits in excess of three, and durable medical equipment, you must first meet your deductible. Then, you and the plan share the cost of services – called coinsurance. The plan will pay 75% and you will pay 25% of eligible services until you reach your out-of-pocket maximum. At that time, the plan will pay 100% of the cost of eligible services for the remainder of the calendar year.
Plan 2: $5,000-100% HDHP
You are responsible for all expenses with a HDHP, with the exception of preventive care, until you reach the applicable deductible. The deductible is the amount you must pay out-of-pocket before the plan pays for covered services – for single or family coverage. This plan covers preventive care at 100% -- with no deductible. For other services, such as inpatient or outpatient hospitalizations, emergency treatment and durable medical equipment, you must first meet your deductible. Once you meet your deductible, the plan pays 100% of all eligible expenses for the remainder of the calendar year.
Refer to your Employee Benefits Guide or the HealthPartners Plan Summaries for additional coverage information.
Additional Resources
For more comprehensive coverage information, consider reviewing the HealthPartners Enrollment guide along with each Summary of Benefits and Coverage (SBC). These resources will provide you with a better understanding of the health plans that are available. When it comes to choosing a plan or utilizing your benefits guide, the HealthPartners enrollment guide and SBCs are key resources for comparing costs and clarifying your coverage options. Click the links below for further details.
Learn all about your HSA and FSA to maximize your
healthcare savings potential!
Administered by Alerus
Take charge of your health care spending with a Health Savings Account (HSA). Contributions to an HSA are tax-free, and no matter what, the money in the account is yours!
You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
As an eligible employee, you are eligible to participate in a Health Savings Account (HSA). HSAs are a tax-advantaged savings account paired with a high deductible health plan (HDHP) 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 $5,000-100% HDHP 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.
Click the button below to take you to Alerus My HSA Planner and Learn how to benefit from your HSA.
2025 Annual Maximum Contribution
Employee Only: $4,300
Employee + 1: $8,550
Family: $8,550
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.
A full list of qualified expenses can be found in IRS Publication 502 at www.irs.gov. To shop for products and services that are eligible for Health Savings Accounts go to https://hsastore.com/
Administered by Alerus
Flexible Spending Account (FSA) can be a great way to save money on taxes and pay for unexpected medical expenses.
A flexible spending account (FSA) allows employees to pay for qualified medical, dental, vision, or dependent care expenses with pre-tax dollars. Pre-tax means before state, federal, Social Security, and Medicare taxes are applied.
Flexible Spending Accounts are voluntary accounts that allow you to use pre-tax funds to pay for certain health care and dependent day care expenses as determined by IRS regulations. You can set up two separate accounts – one for qualified health care expenses and one for qualified dependent day care expenses. These are two separate accounts for two separate purposes. The monies in one account cannot be used to satisfy expenses in the other account. You can participate in either or both accounts.
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.
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.
Important FSA Rules
Healthcare FSA Rollover
Health Care FSA’s have a $660 roll over feature, which allows any amount of $660 or less remaining in your account at the end of the plan year to roll over into the new plan year.
“Use It” OR “Lose It”
Estimate expenses carefully because the federal use-it or lose-it law means any amount remaining in your account after the March 31, 2026, filing deadline – except for any rollover amount – will be forfeited.
2025 FSA Contributions
Health Care FSA
Maximum Annual Contribution | $3,300
All eligible health care expenses – such as deductibles, medical and prescription copays, dental expenses, and vision expenses – can be reimbursed from your Health Care FSA account.
Limited Health Care FSA – (HDHP only)
Maximum Annual Contribution | $3,300
Money can only be used for Dental and Vision expenses
Dependent Care FSA
Maximum Annual Contribution | $5,000
This amount is limited to $2,500 if you are married and file separate tax returns.
A full list of qualified expenses can be found in IRS Publication 502 at www.irs.gov. To shop for products and services that are eligible for Health Savings Accounts go to https://fsastore.com/
Administered by HealthPartners
Wayzata Country Club’s dental plan provides comprehensive coverage to help you, and your family maintain good dental health.
You get to choose from three great networks. Dental Select Plan and the Open Access Plan members can see any dentist at any time and in the Any Dentist Plan, members can see any licensed dentist. Members who get care from a non-network dentist may pay more. To compare plans side-by-side to see the differences between benefits and premiums paid please review your plan materials.
Preventive First!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Administered by EyeMed
Wayzata Country Club offers a voluntary vision plan to help pay for prescription glasses and contact lenses as well as other vision-related items.
Learn about your vision benefits! See available benefits, find in-network providers near you and discover how to become an EyeMed member and get answers to frequently asked questions
To get started click on the image and enter in the password.
Administered by Unum
You can’t always predict – or control – your life. But you can prepare for it.
Life insurance is an important part of your financial security and helps protect your family from financial risk and sudden loss of income in the event of an accident or your death. Wayzata Country Club provides full-time employees with Basic Life/AD&D, Short-Term Disability and Long-Term Disability income benefits at no cost.
Basic Life and AD&D
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.
Short-Term Disability (STD)
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.
STD 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.
Benefit Features
• Benefit begins after 7 days
• Benefit equal to 60% of pay
• Maximum weekly benefit is up to $1,000 ($25 minimum)
• Maximum duration of 22 weeks
• You will be taxed on the premium – which allows any benefits paid out to be tax-free
Long-Term Disability (LTD)
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. LTD provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
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
• You will be taxed on the premium – which allows any benefits paid out to be tax-free
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.
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
Peter Hausback
(952) 475-9755
Peter.Hausback@wayzatacc.com