Insurance Open Enrollment-October 31-November 20th, 2019
If you want to change your insurance plan administrator, you must do so during Open Enrollment.
- If you also want to change your Primary Care Clinic (PCC), you can do that at the same time using Employee Self-Service. Go to Employee Self Service
Dental Coverage: Dental benefits are now open for 2020 and 2021. They are not expected to be open for election next year so get them while you can.
Enrolling Dependents: Open Enrollment is your annual opportunity to enroll eligible dependents for the plan year (unless you experience a qualified life event).
If you want to stay with your current plan administrator but change your PCC, contact your carrier. Changes in your PCC selection can occur as often as monthly and changes take effect the first of the month following the date you request the change by calling your carrier. Find comprehensive clinic directory for 2020 on the SEGIP website.
Review Your Clinics Clinic List: https://mn.gov/mmb/segip/find-a-clinic/
- MN Advantage Health Plan administrators are BlueCross BlueShield of MN, HealthPartners, and PreferredOne.
- Each of these providers contract with a network of Primary Care Clinics (PCC) and specialty care providers.
- Clinics may negotiate different pricing for the same services, with different providers. (Example: the price of a treatment at ABC Clinic might be $100 through Preferred One or $150 through Blue Cross Blue Shield).
- Open Enrollment provides you with an opportunity to make sure your clinic is still in the pricing tier you choose. Sometimes that means changing from one health plan administrator to another.
- Tip: During Open Enrollment you can’t change your primary clinic in Self Service unless you also change your health plan administer. To only change your primary care clinic, contact your carrier.
Health Assessment – Complete your health assessment – Earn $5 off office visit copays in 2020 when you complete your health assessment and agree to a coaching call.
If you do nothing during Open Enrollment, you will automatically stay with your current plan administrator and PCC for 2020. However, you do need to make new elections to continue pre-tax spending accounts in 2020. They do not automatically carry over for the next year.
Pre-tax benefits can provide you with tax savings by allowing you to pay for your health and dental premiums, eligible dependent daycare, out-of-pocket medical, dental, and work-related transportation expenses with tax-free dollars. Contributions towards these accounts are taken from your paychecks before taxes are deducted, and since you pay less in taxes, your net income may be greater.
New limits for pre-tax benefits for 2020
The MDEA allows you to pay for certain qualified medical and dental expenses for you, your spouse, and eligible dependents with pre-tax dollars.
- Examples of expenses reimbursed by the MDEA include health and dental plan deductibles and co-insurance.
- The minimum election is $100 and the 2020 maximum is $2,750 per plan year.
- You must make an annual election during Open Enrollment if you want to participate for the following plan year.
- The MDEA cannot be used for premiums. The Minnesota Advantage Health Plan and Dental premiums are automatically deducted pre-taxed through the Health/Dental Premium Account (HDPA).
- If you, your spouse, or eligible dependent participates in a Health Savings Account (HSA), there are MDEA limitations.
- The State’s plan includes a feature that allows up to $500 of unused MDEA funds to carry over into the next plan year if you have made all of your current plan year contributions; however, any unused funds not submitted timely for reimbursement in excess of $500 are forfeited.
- Carefully plan your election, as your election cannot be changed unless you experience a qualified life event.
PKEA (Parking Expenses Account) the limit will be $270
BVA (Work Related Mass Transit) the limit will be $270