Continue health insurance coverage

Your coverage as an active employee ends on the last day of the month in which you resign or retire. If you owe a health premium for the month in which you leave, the premium will be deducted from your severance check.

The current benefits summary applies to all of the options you may select to continue after you leave Hennepin County.

Information is available based on whether you are:

  • Retiring: see categories A and B
  • Resigning due to disability: see category C
  • Resigning: see category D (18-month COBRA continuation)

Modification regarding application of eligibility requirements for Category C: Disabled Employee was adopted on October 4, 2016 per Board Action Request 16-0346. This supersedes all earlier revisions and actions to the Early Retiree Health Insurance Program (ERHIP).

Summary of benefits

HealthPartners / Park Nicollet and Fairview / North Memorial / HealthEast

HCMC / Northpoint

Standard Plan

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Category A: Early retirees (under 65)

Category A is also known as the Early Retiree Health Insurance Program (ERHIP).

Eligibility

You must be under age 65 and:

  • A non-organized regular employee*: hired or rehired on or before January 1, 2007 with no break in regular service OR
  • An organized regular employee*: hired or rehired on or before January 1, 2008 with no break in regular service and did not opt-out of early retiree health coverage OR
  • An unclassified employee including elected officials hired or rehired on or before January 1, 2007 with no break in regular service 

You must also meet one of the three requirements listed below based on your most recent hire or rehire date.

Requirement 1

You qualify if you have enough years of full-time equivalent county service at the following ages:

  • 20 years of service when you are at least age 55
  • 15 years of service when you are at least age 62 but less than 63
  • 14 years of service when you are at least age 63 but less than 64
  • 13 years of service when you are least age 64 but less than 65

Requirement 2

You must qualify and apply for a full, unreduced retirement annuity (other than a deferred annuity) from an approved public retirement program such as PERA, based on at least 10 years of Hennepin County employment. Example: PERA Rule of 90.

Requirement 3

You must qualify and apply for a retirement annuity (other than a deferred annuity), based on at least 25 years of pension service credit, 10 years of which must have been with Hennepin County.

Other

*Regular employee is defined as employee in a classified position who:

  • Is required to serve a probation period.
  • Is entitled to the benefits, rights, privileges and obligations under the HR Rules.
  • Does not have a guarantee of ongoing employment with the County (i.e., subject to dismissal, layoff, etc.).
  • Contracts refer to permanent employee.

NOTE:  All persons employed in a regular position by the Minneapolis Library Board who transferred to Hennepin County as a regular employee as a result of the merger between the Hennepin County and Minneapolis Public Library (MPL) systems are eligible to participate in the Early Retiree Health Insurance Program (ERHIP). However, former MPL employees transferred to Hennepin County as a result of the merger shall not receive credit for their years of service at MPL for purposes of determining eligibility for the ERHIP.

Costs

  • You must pay your share of the single premium.
  • The county contributes toward your health insurance as though you are actively working and have single coverage.
  • If you continue family coverage, you pay the full dependent premium.
  • Costs toward coverage are subject to change, typically at the beginning of each calendar year. You are notified of premium and benefit changes prior to their effective date.
  • At the end of the month in which you turn age 65, the county's contribution toward your insurance ceases. At this point, you are eligible for category B.

2017 Standard plan premiums

  • Single coverage is $85.00
  • Single + spouse coverage is $1,099.22
  • Single + Children is $686.04
  • Family is $1,399.76

2017 Advantage plan premiums: Fairview / North Memorial / HealthEast or HealthPartners / Park Nicollet

  • Single coverage is $57.86
  • Single + spouse coverage is $997.66
  • Single + Children is $612.34
  • Family is $1,277.90

2017 Advantage plan premiums: Hennepin County Medical Center / NorthPoint

  • Single coverage is $18.72
  • Single + spouse coverage is $906.34
  • Single + Children is $544.70
  • Family is $1,169.36

Coverage

  • You must have county-sponsored health coverage activated by the date you leave the county.
  • While you are under age 65, you may continue participating in the county's group health coverage program with access to the same health plan and benefit levels available to active employees.
  • Once you turn age 65 category B applies to you.
  • You may add dependents during the first 18 months of your continuation coverage if there is a qualifying event. After the first 18 months you are prohibited by Minnesota state law from adding them. You may remove dependents from your plan at the beginning of any month.

Category B: Standard retiree options

This policy is provided and governed by Minnesota Statutes 471.61, Subdivision 2b.

Eligibility

  • At the time you leave the county, regardless of age, you must qualify for a retirement annuity from an approved public retirement program (such as PERA). Your pension service credit need not be exclusively with Hennepin County.
  • After you turn 65, and only if you enroll in Medicare Parts A and B, you may retain indefinite health coverage continuation in the county's health coverage program by enrolling in a HealthPartners Freedom Plan.
  • You must elect coverage at the time you turn 65 or , if working past age 65, at the time of your retirement. Your spouse must be a covered dependent under the county’s health insurance to be eligible for this coverage.

Costs

If you are under age 65, or 65 or older but not eligible for Medicare

  • You must pay the full premium.
  • The county does not contribute toward your continued coverage.
  • Costs toward coverage are subject to change, typically at the beginning of each calendar year. You are notified of premium and benefit changes prior to their effective date.

2017 Standard plan premiums

  • Single coverage is $751.32
  • Single + spouse coverage is $1,765.54
  • Single + Children is $1,352.36
  • Family is $2,066.08

2017 Advantage plan premiums: Fairview / North Memorial / HealthEast or HealthPartners / Park Nicollet

  • Single coverage is $700.62
  • Single + spouse coverage is $1,646.42
  • Single + Children is $1,261.10
  • Family is $1,926.66

2017 Advantage plan premiums: Hennepin County Medical Center / NorthPoint

  • Single coverage is $657.54
  • Single + spouse coverage is $1,545.16
  • Single + Children is $1,183.52
  • Family is $1,808.18

If you are age 65 or over and qualify for Medicare Parts A and B

  • You must pay the full premium and can enroll in HealthPartners Freedom Plan, a Medicare Cost (Supplement) Plan.
  • The county does not contribute toward your continued coverage.

If you are age 65 or older but your covered spouse is under age 65

  • You must pay the full premium and enroll in the county's HealthPartners Freedom Plan group plan.
  • Your spouse can retain standard coverage in the county's program for up to 36 months, or until he/she becomes eligible for a HealthPartners Freedom Plan.
  • A 2017 single premium for your spouse costs $766.35 ($751.22 premium x 1.02, the 2% administrative fee) for the Standard plan, $714.63 ($700.62 premium x 1.02, the 2% administrative fee) for the Advantage-Fairview/North Memorial/HealthEast or Advantage-HealthPartners/Park Nicollet plans or $670.69 ($657.54 x 1.02, the 2% administrative fee) for the Advantage-HCMC/NorthPoint plan. 
  • When your spouse enrolls in Medicare Parts A and B, then s/he must enroll in HealthPartners Freedom Plan and pay the full premium.

Coverage

  • You must have county-sponsored health coverage activated by the date you leave the county.
  • Under age 65 — you may continue participating in the county's group health coverage program with access to the same health plan and benefit levels available to active employees.
  • Age 65 or older and you qualify for Medicare Parts A and B — you can enroll in HealthPartners Freedom Plan, a Medicare Cost (Supplement) Plan, and will be responsible for paying the full premium.
  • You must submit your HealthPartners Freedom Plan enrollment form not more than three months before the effective date around your 65th birthday. Coverage starts the 1st of the month after you turn 65. County health coverage continues until the end of the month of your 65th birthday.
  • You may add dependents during the first 18 months of your continuation coverage if there is a qualifying event. After the first 18 months you are prohibited by Minnesota state law from adding them. You may remove dependents from your plan at the beginning of any month.

Category C: Disabled retirees

After you terminate county employment, you may continue coverage as a former employee. Hennepin County reserves the right to modify or even eliminate this policy, and subsequent policy(ies) may differ from the one described here.

Eligibility

  • You must leave the county while you are under age 65 and meet certain age and length of service requirements.
  • If you do not meet requirement 1, 2, or 3 below, you may be eligible to continue coverage up to age 65 at your own expense. For costs, refer to category B.
  • To qualify for category C, you must be totally and permanently disabled.
  • You must also meet one of the three requirements listed below based on your most recent hire or rehire date.

Requirement 1

You qualify if you have enough years of full-time equivalent county service at the following ages.

  • 20 years of service when you are at least age 55
  • 15 years of service when you are at least age 62 but less than 63
  • 14 years of service when you are at least age 63 but less than 64
  • 13 years of service when you are least age 64 but less than 65

Requirement 2

In order to meet Requirement 2, you must meet the age and length of service requirement in Requirement 1 and at the time you leave the county, you qualify and apply for a full, unreduced retirement annuity (other than a deferred annuity) from an approved public retirement program such as PERA, based at least in part on your Hennepin County employment. Example: PERA disability benefits.

Requirement 3

You must qualify and apply for a full retirement annuity (other than a deferred annuity) based on at least 25 years of pension service credit, 10 years of which must have been with Hennepin County.

Costs

  • You must pay your share of the single premium.
  • The county contributes toward your health insurance as though you are actively working and have single coverage.
  • If you continue family coverage, you pay the full dependent premium.
  • Costs toward coverage are subject to change, typically at the beginning of each calendar year. You are notified of premium and benefit changes prior to their effective date.
  • At the end of the month in which you turn age 65, the county's contribution toward your coverage ceases. At this point, you are eligible for category B.

2017 Standard plan premiums

  • Single coverage is $85.00
  • Single + spouse coverage is $1,099.22
  • Single + Children is $686.04
  • Family is $1,399.76

2017 Advantage plan premiums: Fairview / North Memorial / HealthEast or HealthPartners / Park Nicollet

  • Single coverage is $57.86
  • Single + spouse coverage is $997.66
  • Single + Children is $612.34
  • Family is $1,277.90

2017 Advantage plan premiums: Hennepin County Medical Center / NorthPoint

  • Single coverage is $18.72
  • Single + spouse coverage is $906.34
  • Single + Children is $544.70
  • Family is $1,169.36

Coverage

  • You must have county-sponsored health coverage activated by the date you leave the county.
  • While you are under age 65, you may continue participating in the county's group health coverage program with access to the same health plan and benefit levels available to active employees.
  • Once you turn age 65 category B applies to you.
  • You may add dependents during the first 18 months of your continuation coverage if there is a qualifying event. After the first 18 months you are prohibited by Minnesota state law from adding them. You may remove dependents from your plan at the beginning of any month.

Category D: Employee who resigned

Eligibility

After you leave the county you may continue temporary coverage as a former employee under COBRA. You may use COBRA up to 18 months.

Costs

  • You pay the full cost plus a 2% administrative fee.
  • The county does not contribute toward your coverage.
  • Costs toward coverage are subject to change, typically at the beginning of each calendar year. You are notified of premium and benefit changes prior to their effective date.

2017 Standard plan premiums

  • Single coverage is $766.35
  • Single + spouse coverage is $1,800.85
  • Single + Child/ren is $1,379.41
  • Family is $2,107.40

2017 Advantage plan premiums: Fairview / North Memorial / HealthEast or HealthPartners / Park Nicollet

  • Single coverage is $714.63
  • Single + spouse coverage is $1,679.35
  • Single + Child/ren is $1,268.32
  • Family is $1,965.19

2017 Advantage plan premiums: Hennepin County Medical Center / NorthPoint

  • Single coverage is $670.69
  • Single + spouse coverage is $1,576.06
  • Single + Child/ren is $1,207.19
  • Family is $1,844.34

Coverage

  • You must have county-sponsored health coverage activated by the date you leave the county.
  • While you are under age 65, you may continue participating in the county's group health coverage program with access to the same health plan and benefit levels available to active employees.
  • If you are age 65 or over when you leave the county and you qualify for Medicare Parts A and B, category B applies to you.
  • You may add dependents during the first 18 months of your continuation coverage if there is a qualifying event. After the first 18 months you are prohibited by Minnesota state law from adding them. You may remove dependents from your plan at the beginning of any month.
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