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Annual Enrollment has Closed
If you have questions, please see HR

Your Benefits Hub

We've heard your feedback - you want  to know more about your benefits. This year, Mille Lacs Health System is partnering with Clarity Enrollment Solutions for annual enrollment.

During your individual benefits review session, the Clarity benefit counselor will  walk you through your benefits options to help ensure you're making the best decisions for you and your family. 

Read on for more information about your choices, including videos and other plan information.

Medical Insurance

Health Insurance is designed to provide protection for you and your dependents in the event that you require medical care. Remember that you can help to keep your plan costs low. Although you are not required to see a network provider, your expenses will be less when you seek care within the network. Most importantly, make sure you understand your plan so that you can use your medical benefits wisely.

Dental Insurance

Dental Coverage is designed to provide protection to you and/or your family in the event that you require dental services during the year. Your plan is designed to encourage regular visits to your dentist, which is essential to maintaining oral health, and to provide coverage for basic diagnostic and preventive dental needs.

Learn more about your Dental Insurance:

Vision Insurance

The plan provides reimbursement for eye exam, lenses, frames, contact lenses, and LASIK coverage. Employees may purchase coverage for spouse and/or children.

Learn more about your Vision Insurance:

Flexible Spending Accounts

Save money on your healthcare and/or dependent day care expenses with a Flexible Spending Account.

Learn more about Dependent Care Flexible Spending Account:

Health Savings Account

A health savings account (HSA) is a tax-advantaged medical savings account available to employees who are enrolled in a high-deductible health plan (HDHP).

Health Savings Accounts are regulated by the IRS and specific rules apply for eligibility and preferential tax status apply. 

If you enroll in MLHS Medical insurance, MLHS will contribute to your HSA:

  • Single Medical = $1,000 per year

  • Family Medical = $2,000 per year

Term Life Insurance

Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump sum payment if you die while employed by Mille Lacs Health System.

Mille Lacs Health System pays for a basic term life and AD&D benefit for eligible employees and their dependents.

  • Employee Benefit: 1x annual salary

  • Spouse Benefit: $2,000

  • Dependent Child(ren): $1,000

Read a summary of your Life insurance benefits

You may also purchase additional coverage for yourself and your dependents.

Whole Life Insurance  

Whole life insurance can provide benefits to your loved ones if you die prematurely − and it provides coverage into your retirement years. 

Whole Life Insurance can pay money to your loved ones when you pass away, but it offers additional value as well.  This plan features a living benefit that will pay out if you are diagnosed with a terminal illness. 


Whole Life Insurance premiums won’t increase with age and your policy can build cash value over time.  You can use this cash value later in life to buy a smaller “paid-up” policy with no more premiums due!

Learn More about Whole Life Insurance

Disability Insurance

Mille Lacs Health System provides both Short and Long Term Disability Insurance coverage. Disability Insurance helps to replace a portion of your income if you are unable to work due to illness or injury.

Short Term Disability

MLHS pays for a benefit that can pay you 60% of your weekly earnings, up to a maximum of $1,000.

Long Term Disability:

MLHS pays for a benefit that covers up to 40% of your FTE monthly earnings, minus offsets, limited to $2,000 per month.

You may purchase an additional benefit that covers up to 60% of your earnings, minus offsets, to a maximum of $5,000 per month.

Accident Insurance

Accident insurance helps pay for covered accidents while you're on the road to recovery

Unum’s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need.


Examples of covered injuries include:
  • broken bones

  • burns

  • torn ligaments

  • cuts repaired by stitches

  • And more!

Learn More about Accident Insurance

Critical Illness Insurance

Could your bank account survive a serious illness? Get protected with group Critical Illness Insurance from Unum

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness.  You choose the level of coverage and you can use the money any way you see fit.

Covered Conditions Include: 
  • Cancer

  • Heart Attack

  • Kidney Failure

  • Stroke

  • and more

Learn More about Critical Illness Insurance

Hospital Indemnity Insurance

Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance from Unum can help.

Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay.  It can also provide funds that can be used to help pay the out-of-pocket expenses your medical plan may not cover, such as con-insurance, co-pays and deductibles.

Learn More about Hospital Indemnity Insurance
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