Start planning your 2017 benefit selections for open enrollment Nov. 1-15
You can make changes to your 2017 medical benefits during open enrollment Nov. 1-15. Here’s what you need to know to make decisions about your coverage next year.
Medica will continue as your health insurance provider
Health insurance coverage through the City will continue to be offered by Medica, and the benefit plan design will remain the same. That means the out-of-pocket costs you pay when you receive health care – including your deductible, coinsurance, copays and out-of-pocket maximum – will not change in 2017.
You have new network options in 2017
During open enrollment, you must choose a network to provide health care for you and all the dependents covered by your insurance. You may enroll in one of the new accountable care organization networks, the Medica Elect network or the Medica Choice Passport network.
- Accountable care organization networks: In an accountable care organization (ACO), groups of doctors, nurses and other health care providers work together with Medica to coordinate your care so you receive enhanced care at a lower cost. When you enroll in an ACO, you give Medica and your ACO permission to share information with each other. This helps you get the care you need and gives you access to programs and services that can benefit you. You don’t need to designate a primary care clinic or get a referral for specialty care within the ACO network, but you must get all of your care from your ACO to receive in-network benefits. The ACO networks have the lowest monthly premiums.
o Fairview and North Memorial Vantage with Medica ACO: This ACO network includes the University of Minnesota Medical Center, the University of Minnesota Masonic Children’s Hospital, all Fairview hospitals, North Memorial Medical Center, Maple Grove Hospital and more than 2,500 primary and specialty care physicians at Fairview, North Memorial and other participating clinics. This ACO provides its members with same-day appointments, a 24/7 nurse line and online care through Fairview Zipnosis and North eCare.
o Park Nicollet First with Medica ACO: This ACO network includes more than 20 neighborhood Park Nicollet clinics offering primary care, urgent care and specialty care, plus access to Park Nicollet Methodist Hospital, St. Francis Regional Medical Center and other network partners. This ACO features same-day primary care appointments, a 24/7 nurse line, online diagnosis and treatment for common conditions, free valet parking at selected locations, and discounts at Park Nicollet Health & Care Stores and Park Nicollet pharmacies.
o Ridgeview Community Network powered by Medica ACO: This ACO network includes Abbott Northwestern Hospital, Hennepin County Medical Center, Children’s Hospitals and Clinics, Ridgeview Medical Center and Clinics, Ridgeview Sibley Medical Center, Lakeview Clinics, Wayzata Children’s Clinic, Western ObGyn, select providers at OBGYN West, and Two Twelve Medical Center. This ACO features a navigator who can answer questions and help you choose a primary provider, same-day appointments, a 24/7 urgent care, and a free meet-and-greet provider visit.
o Inspiration Health by HealthEast with Medica ACO: This ACO network includes more than 1,000 primary and specialty care providers affiliated with the east metro area’s largest care system. You will have access to HealthEast facilities including Bethesda Hospital, St. John’s Hospital, St. Joseph’s Hospital and Woodwinds Health Campus. This ACO features weekend and evening walk-in care, 24/7 appointment scheduling for primary care, a free wellness assessment, discounted wellness services, and a care concierge.
- Medica Elect network: With this network, you designate a primary care clinic that is affiliated with a participating regional care system to coordinate your health care needs. The participating regional care systems: Allina Health (Twin Cities area), Children’s Health Network (Twin Cities area), Hennepin County Medical Center (Twin Cities area), Integrity Health Network (Duluth area), Lakeview Medical Care System (Stillwater area), Minnesota Healthcare Network (Twin Cities and Central Minnesota areas), Park Nicollet Health Services (Twin Cities area), RiverWay/North Suburban (Twin Cities area) and St. Luke’s Care System (Duluth area). You’ll need a referral from your primary care clinic to see a provider outside of your chosen care system. Each family member can choose a different primary care clinic or care system within the network. You can also change your primary care clinic designation as often as once a month by calling Medica Customer Service. The monthly premium for Medica Elect is mid-priced compared to the other five network options.
- Medica Choice Passport network: You and your dependents may visit any provider in this large national network without a referral. It’s a good idea to have a regular primary care provider, but it’s not a requirement of this network. The monthly premium for Medica Choice Passport is the highest among your network options.
The Medica Essential network will not be available in 2017. If you are currently enrolled in Medica Essential and do not choose a new network during open enrollment, you will be enrolled by default into Medica Choice Passport, the most expensive network.
If you are currently enrolled in Medica Elect or Medica Choice Passport and do not choose a new 2017 network during open enrollment, you will be enrolled by default into your 2016 network.
If you want help finding an ACO network provider, contact Medica’s enrollment hotline at 1-855-857-2045.
Monthly premiums for each network option depend on whether you completed the employee wellness program in 2016. Employees who earned 300 points in the employee wellness program by the Aug. 31 deadline, pay the discounted wellness rate for their monthly premiums. Employees who did not earn 300 points by the deadline must pay the higher standard rate for their monthly premiums.
Watch for your health care debit card
SelectAccount will become the new administrator for the HRA/VEBA, flexible spending accounts and transportation plan. The administration of your accounts with WageWorks will be automatically transferred to SelectAccount. You will receive a new debit card in the mail and instructions on how to register a username and password on the SelectAccount website. Watch for more information coming on CityTalk and in upcoming Minneapolis Matters.
The City will continue to contribute money into your HRA/VEBA account each month in 2017: $90 for individuals and $190 for families.
Flexible spending account (FSA)
You must re-enroll each year in a health care FSA or dependent care FSA if you want to set aside pre-tax dollars to pay for your health care or dependent care. To do so, you need to elect an annual deduction amount during open enrollment. An FSA allows you to save money on health care or dependent care costs by setting aside a chosen amount from each paycheck before taxes are taken out. Then you can use the money to pay for health care or dependent care. Since pre-tax dollars are used, FSAs can create tax savings. See a list of items typically covered by a flexible spending account (items also typically covered by your HRA/VEBA).
The federal government limits your annual FSA contribution to $2,600 for health care expenses and $5,000 for dependent care expenses. The 2017 health care FSA limit will be released by the IRS at the end of October, 2016. Unspent contributions greater than $25 but less than or equal to $500 in your health care FSA at the end the year will carry over to the following year’s health care FSA. You will lose any contributions that remain in your dependent care FSA at the end of the year.
During open enrollment, you may waive, decrease or apply to increase your optional life insurance coverage. Find forms at www.minneapolismn.gov/hr/benefits.
How to enroll
Open enrollment begins Tuesday, Nov. 1, and ends at 11:59 p.m. Tuesday, Nov. 15. All active employees must enroll for their benefits online in COMET; open enrollment is paperless this year. Computer labs are available for employees who need computer access or help enrolling for their 2017 benefits online. Find the computer lab schedule below. The IT Help Desk is available 24/7 at 612-673-2525 to reset your password if necessary.
Follow these instructions to complete your online enrollment in COMET.
To add dependents to your plan for the first time, you must submit documentation to the Benefits Office. Visit www.minneapolismn.gov/hr/benefits for detailed instructions on the documentation needed.
After open enrollment ends, you will receive a statement confirming your 2017 benefit selections. It is your responsibility to let the Benefits Office know if anything is incorrect on this statement before Jan. 1, 2017.
You will receive a new Medica ID card in December. Present the new card each time you check in for medical care or pick up a prescription beginning Jan. 1, 2017.
- Meet with representatives from the accountable care networks at 7 a.m. Tuesday, Nov. 1, at the Hiawatha Maintenance Facility or 10 a.m. Wednesday, Nov. 9, in Room 319 at City Hall.
- Watch the open enrollment video coming soon.
- Read the brochure that will be sent to your house the week of Oct. 24
- Email the Benefits Office at [email protected].
The computer lab times highlighted below will be staffed by Human Resources. Someone from the Benefits Office will be available at these labs to answer questions.
Tuesday, Nov. 1
Hiawatha Maintenance Facility
1901 E. 26th St.
Thursday, Nov. 3
Public Service Center
250 S. Fourth St.
Thursday, Nov. 3
Public Service Center
250 S. Fourth St.
Monday, Nov. 7
Currie Maintenance Facility
1200 Currie Ave. N.
Tuesday, Nov. 15
9 a.m.- noon
Public Service Center
250 S. Fourth St.
Published Oct 18, 2016