Benefits open enrollment

Open enrollment is the two-week period when benefits-eligible employees can enroll in or change their benefit elections.

Open enrollment is closed

You should receive an email with your 2020 open enrollment confirmation statement within 24 hours of submission. You cannot make changes until next open enrollment, unless you have a qualifying life event.

Coverage starts January 1, 2020; deductions will be taken starting with the January 10, 2020, paycheck.

Contact the HR Service Center if you have questions.

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2020 benefit details and changes

Watch an 8-minute video (YouTube) about 2020 benefits changes.

What's changing for 2020

  • Health plan premiums
  • Health plan tiering
  • Dental plan premiums
  • Flexible spending account vendor and maximum annual contribution

What’s not changing for 2020

  • Health plan benefit coverage
  • Dental plan benefit coverage
  • Vision plan benefit coverage and premiums

Learn about your benefits

Get one-on-one answers to your open enrollment questions

You can schedule 15-minute telephone meetings with benefits staff to get answers to your questions.

What happens if you don’t enroll

If you don't enroll during open enrollment, your current health, dental, and/or vision plan choice will not change, but your 2020 health and dental premiums may change.

If you enrolled in a flexible spending account for 2019, this will end on December 31, 2019. This includes the parking flexible spending account. If you want to be enrolled, you must re-enroll each year.

To add a dependent who is not currently covered

Submit your dependent verification form as soon as possible so your dependent will be covered starting on January 1, 2020. Documentation must be submitted by 3 p.m. on November 15, 2019, in order to ensure coverage for your dependent(s).

If you add a spouse to health insurance during open enrollment, both the employee’s and the spouse’s health incentive for 2020 is dependent on the employee having completed the 2019 incentive requirement by October 31, 2019.

Health plan

Health insurance is offered to eligible employees and dependents. It provides medical and pharmacy benefits, plus 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.

Hennepin County offers multiple plans. For details, see the PreferredOne website.

Compare plans:

Health plan option: Advantage

Benefits are provided through a narrow network of physicians, clinics and hospitals. You and all covered dependents must live in the Twin Cities area or western Wisconsin to enroll in an Advantage plan if any of you live outside of this area, you will be enrolled in the Standard Plan.

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
  • 8:30 a.m. to 4:30 p.m., Monday – Friday

Advantage – Hennepin Healthcare / NorthPoint

  • 612-873-5700
  • 7 a.m. to 7 p.m., Monday – Friday
  • 8:30 a.m. to 12:30 p.m., Saturday

Advantage – M Health Fairview / North Memorial

  • 763-847-4444 or 844-346-4414
  • 24/7

Health plan option: Standard

Benefits are provided through an open access, tiered network of physicians, clinics and hospitals. What tier your provider is in determines your out-of-pocket costs. Remember to check your provider’s tier by going to www.preferredone.com/hc. If you or any of your covered dependents live outside of the Twin Cities area or western Wisconsin, you must choose this health plan.

Tiering changes for 2020

  2020 tier 2019 tier
Apple Valley Medical Center 2 3
Buffalo Clinic 2 1
Central Pediatrics 1 2
Entira 2 1
North Memorial Clinics 2 1
Northwest Family Physicians 1 2
Pediatric Services PA 1 2
Premier ObGyn 3 2
South Lake Clinic 2 3
Wayzata Children's Clinic 1 2

Contact information

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

  • Preferredone.com/hc
  • 763-847-4477 (Toll free: 1-800-379-7727)
  • 7 a.m. to 7 p.m., Monday - Friday

Premiums

There are minimal changes to health premiums for HealthPartners / Park Nicollet and M Health / North Memorial networks in 2020. For details, see the comparison charts listed above.

Deductibles

A deductible is the amount of money you must pay for your medical expenses before your insurance pays. There is a deductible for all plans, except the Hennepin Healthcare / NorthPoint network plan.

The deductible does not apply to the following services:

  • Preventive care
  • Be Well Clinic visits
  • Online care for more than 60 conditions without going to the doctor’s office
  • Allergy injections
  • Office visits for mental health / substance abuse in- or out-of-network 

Pharmacy

  • Deductible applies to prescription drugs.
  • CVS pharmacies, including those in Target stores, are not in the Navitus network, and you will be responsible for the full cost of prescriptions if you use these pharmacies.
  • Pharmacy formulary (covered medications) and benefits are the same on Standard and Advantage plans.

For more information, including to search for a participating pharmacy or view pharmacy benefit information:

  • Log in to Navitus pharmacy directory using your PreferredOne member ID and password
  • 1-866-333-2757 – Navitus customer care available 24/7

Save money

  • Choose Advantage Hennepin Healthcare / NorthPoint to get the lowest cost plan.
  • Reduce your copay by participating in the health insurance incentive program.
  • Enroll in a flexible spending account to help pay for eligible medical, dental, and vision expenses, and health care, dependent care, adoption, and parking reimbursement expenses.
  • Visit the Be Well Clinic where no office visit copay or deductible is required. Prescription drug copays do apply.
  • Use online care for 60 of the most common conditions. There are no copays or deductibles.
    • Virtuwell (Advantage - HealthPartners / Park Nicollet, Standard)
    • OnCare (Advantage - M Health / North Memorial, Standard)
    • E-visits (Advantage - Hennepin Healthcare / NorthPoint, Standard)
    • MDLive (all plans)
  • Order prescriptions online and have medications mailed to you through NoviXus.
  • Get a discount on your health club membership.

Dental plan

Dental insurance is offered to benefit-earning employees and eligible dependents. The dental plan is administered by HealthPartners. This plan is not the same as the union-sponsored dental plans.

The dental plan offers comprehensive benefits including orthodontia for children, in- and out-of-network. The provider network is tiered. The tier of the provider you see will determine your out-of-pocket costs, such as deductibles and coinsurance. Each covered family member may use providers in any tier. There is a national network of 120,000 providers covered at the in-network benefit tier.

For children 12 and younger, all services except for orthodontia and implants are covered at 100% and there is no maximum annual benefit.

Premiums 

Union employees in AFSCME Local 34, AFSCME Local 1719 and AFSCME Local 2822 and Teamsters General Services (HH):

  • Single: $19.34 per paycheck
  • Family: $43.27 per paycheck

All other employees:

  • Single: $11.60 per paycheck
  • Family: $25.96 per paycheck

Contact information

Vision plan

Vision insurance is offered to benefit-earning employees and eligible dependents through EyeMed. It provides materials-only coverage for frames, lenses, and contact lenses. Out-of-pocket cost for materials depends on the frame and lens options you select.

Eye exams are not covered through the vision plan. Eye exams are provided through the health insurance plan. If the provider where you receive your eye exam is not in the EyeMed network of providers, you might obtain your eye exam and your eyeglasses/contacts at different locations.

Premiums

  • Employee: $2.46 per paycheck
  • Employee + spouse: $4.62 per paycheck
  • Employee + child(ren): $4.86 per paycheck
  • Family: $7.20 per paycheck

Contact information

Flexible spending accounts

A flexible spending account (FSA) lets you set aside pre-tax money from your paycheck to pay for qualified expenses.

If you are currently enrolled in a flexible spending account, you must re-enroll each year — your 2019 enrollment contribution will not carry forward automatically to 2020.

Go to the P&A Group website for:

  • Flexible spending account information and reimbursement forms
  • Flexible spending account summary
  • Flexible spending account summary plan description

Hennepin County offers flexible spending accounts for health care expenses, dependent care, adoption assistance and parking reimbursement.

Health care expense account

The health care expense account (PDF) is a way for you to set aside pre-tax dollars to help cover eligible medical, dental or vision expenses for you, your spouse (if filing joint income tax return) or any claimed tax-eligible dependent. You or any tax-eligible dependents do not have to be covered under the county's health insurance to have claims reimbursed.

The maximum annual contribution is $2,700 per employee.

If your spouse contributes to a health savings account (HSA) through their employer, you cannot choose the Health Care Expense Account. Because both of these plans result in tax savings, the IRS does not allow a person to contribute to an HSA and have access through a spouse to an FSA health care expense account which could pay medical expenses.

Dependent care assistance program

The dependent care assistance program (PDF) lets you set aside pre-tax dollars for childcare for children under age 13, or to care for adults who are physically or mentally unable to care for themselves and live with you more than half the year.

Fees for kindergarten, or any program primarily educational in nature, are not eligible.

The maximum contribution is $5,000 per family per year.

Adoption assistance program

The adoption assistance program (PDF) lets you set aside pre-tax dollars to pay for domestic or international adoption expenses. The maximum annual contribution is $12,000.

Parking

The parking flexible spending account (PDF) is a way for you to set aside pre-tax dollars for parking expenses incurred as part of commuting to work. Parking expenses paid or reimbursed by the county are not eligible. The maximum annual contribution is $3,180 ($265 per month).

Vacation/PTO cash out program

The vacation/PTO cash out program allows you to convert up to 40 hours of vacation or PTO to cash.

Key things to know about the program

  • Your cash out will be based on vacation or PTO accrued between December 22, 2019, and July 18, 2020.
  • The payout date will be August 7, 2020. This reflects when full-time employees who accrue vacation or PTO at the lowest rate can reach 40 hours.
  • If you are at or hit your maximum vacation or PTO hours, you do not accrue hours within the calendar year and may not receive payment.
  • If you do not have enough vacation or PTO to cover the amount you choose to cash out, you will not receive payment.
  • No partial payments will be made.
  • The vacation/PTO cash out program is approved on an annual basis.

More information

For more information, visit the vacation/PTO cash out webpage.

Questions?

Contact the Human Resources Service Center:

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