Health insurance

Health insurance is offered to benefit earning employees and eligible dependents. It provides medical care and pharmacy benefits for illness. Costs for care and treatment depend on your plan and if health insurance incentive activities were completed.

If both you and your spouse are benefit-eligible employees of the county:

  • An employee cannot be covered both as an employee and a dependent.
  • Only one employee may cover their child/ren.
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Health plan options

Health insurance is offered to eligible employees and dependents. It provides medical care and pharmacy benefits and preventive dental for children to age 19. Your out-of-pocket costs for care and treatment depend on your plan and if health insurance incentive activities were completed.

Health plan option: Advantage

Plan administrator: PreferredOne

This health insurance plan offers employees comprehensive coverage provided through a limited network of physicians, clinics and hospitals. The plan has both in-network and out-of-network benefits. There are no referrals needed to specialists within your network.

Additional benefits of the plan include:

  • Lower premiums - singles save nearly $400 and families almost $1,100 a year in premiums compared to the standard plan premiums.
  • Three free copays per member per year: includes office visits and urgent care for illness or injury.
  • Unlimited free copays per member per year when using the online care provider associated with your plan.
  • Special concierge phone line to provide assistance, referral information and to answer any questions about your network.

Network/tiers

With Advantage you select the network that is right for you. You are able to see any provider in that network for the same co-pay; there are no tiers. If you see a provider not in your network, you will be charged at the out-of-network level of benefits.

How it works

  • Choose a network: be sure to use the PreferredOne provider search to confirm all your providers are in your chosen network:
  • Review coverage summary
  • Enroll:
    • All family members must be enrolled in the same network.
    • A family status change only allows the adding or dropping of dependents to the health plan you are currently enrolled in. You must wait until the next open enrollment to change your health plan.

Health plan option: Standard

Plan administrator: PreferredOne

This health insurance plan offers comprehensive benefits in and out-of-network. The provider network is tiered based on quality and cost ratings. The tier of the provider you see will determine your out-of-pocket costs, such as deductibles and copays. Each covered family member may use providers in any tier. There are no referrals; you have access to all the providers within the network.

How it works:

  • Review the network
  • Check provider tiering — several are changing for 2016
  • Review coverage summary
  • A family status change only allows the adding or dropping of dependents to the health plan you are currently enrolled in. You must wait until the next open enrollment to change your health plan.
  • You have unlimited free copays per member per year when using online care.

Premiums

Due to increased medical claims costs on our plan, as well as the overall increased cost of healthcare, health premiums will be increasing for 2016. Premiums are deducted from the first and second paycheck each month on a pre-tax basis.

Advantage plan costs for 2016

Fairview / North Memorial / HealthEast OR HealthPartners / Park Nicollet

Coverage tiers County costs Employee cost
Single $609.64/month $46.86/month
Single + spouse $1,215.58/month $327.16/month
Single + child/ren $931.12/month $250.56/month
Family (employee, spouse, children) $1,445.32/month $360.02/month

Advantage plan costs for 2016

Hennepin County Medical Center / NorthPoint

Coverage tiers County cost Employee cost
Single $608.24/month $13.72/month
Single + spouse $1,215.58/month $245.98/month
Single + child/ren $931.12/month $188.36/month
Family (employee, spouse, children) $1,445.32/month $265.02/month

Standard plan costs for 2016

Coverage tiers County cost Employee cost
Single $611.06/month $80.00/month
Single + spouse $1,215.58/month $408.34/month
Single + child/ren $931.12/month $312.76/month
Family (employee, spouse, children) $1,445.32/month $455.04/month

Save money

Reduce your health care costs by taking advantage of the following programs and options:

Provider contact information

Contact providers to schedule appointments, discuss care coordination and obtain other information.

Advantage — HealthPartners / Park Nicollet

  • 952-967-7108 or 800-861-1868
  • 7 a.m. - 7 p.m., Monday - Friday

Advantage — Fairview / North Memorial / HealthEast

  • 612-672-2952 or 855-821-4832
  • 24/7

Advantage — Hennepin County Medical Center / NorthPoint

  • 612-873-5700

Health plan administrator: PreferredOne

  • Visit PreferredOne
  • Call 763-847-4477 (Toll free: 1-800-379-7727)
  • 7 a.m. - 7 p.m., Monday - Friday

Pharmacy

To search for a participating pharmacy or view pharmacy benefit information:

Health plan changes for 2016

Both plans

  • $0 copay for unlimited online care. Get the care you need for over 40 conditions without going to the doctor’s office. Learn more at www.hennepinwebhealth.com.
  • NoviXus is the mail order prescription vendor effective January 1, 2016.
  • Generic drug copay will increase from $15 to $20 per prescription.

Advantage plan

Office visit copay for the following services will increase by $5 per visit:

  • Illness/injury
  • Occupational therapy / physical therapy / speech therapy
  • Chiropractic/acupuncture
  • Scheduled outpatient hospital no-surgical
  • Urgent care

Standard plan

Office visit copay for the following services will increase by $5 per visit:

  • Illness/injury
  • Occupation therapy / physical therapy / speech therapy
  • Chiropractic / acupuncture
  • Scheduled outpatient hospital non-surgical

Top tiering changes for 2016

Health plan 2016 tiering 2015 tiering
Park Nicollet 2 3
HealthPartners Clinics 2 1
Fairview Clinics 2 1
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