This year, Minnesota Urology 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.
Online Benefits Guide
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.
For 2020, your employer is offering a choice among three plans, each available in either the Medica Passport, Elect or Vantage Plus Networks.
See Below for more informaiton on your plans.
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.
Minnesota Urology will match $0.50 for each dollar you contribute up to a specific maximum amount based on your employee classification. Please see HR for your maximum amounts.
2020 IRS Contribution Limits
$3,550 if you are enrolled in Employee-Only coverage
$7,100 if you are enrolled in Employee +1 or Family coverage
If you are 55 or older, you can make an additional $1,000 catch-up contribution
Critical Illness Insurance
Could your bank account survive a serious illness? Get protected with group Critical Illness Insurance from Cigna.
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:
Learn More about Critical Illness Insurance:
Accident insurance helps pay for covered accidents while you're on the road to recovery.
Cigna'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:
cuts repaired by stitches
Learn More about Accident Insurance:
Flexible Spending Accounts
Save money on your healthcare and/or dependent day care expenses with a Flexible Spending Account.
Learn more about Medical Flexible Spending Account
Learn more about Dependent Care Flexible Spending Account
Hospital Indemnity Insurance
Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance from Cigna 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:
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:
The plan provides reimbursement for eye exam, lenses, frames, contact lenses, and LASIK coverage. Employees may purchase coverage for spouse and/or children.
Disability Insurance helps to replace a portion of your income if you are unable to work due to illness or injury.
Short Term Disability
Minnesota Urology provides all employees working 30 hours or more with Short Term Disability Coverage.
Refer to Human Resources for information on your Short Term Disability Benefits
Long Term Disability
If you are continuously disabled for longer than 6 months, Long Term Disability coverage will provide you with income replacement - potentially through Social Security Retirement Age. Minnesota Urology provides all employees working 30 hours or more with this important benefit.
Physicians & Shareholders - Refer to HR for your Plan Information
Term Life/AD&D Insurance
Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump sum payment if you pass away.
Minnesota Urology Pays for a portion of Life Insurance for all employees. In addition, you have an opportunity to purchase term life insurance for yourself, your spouse, and children to help financially protect your family and provide peace of mind in the event of your death.
Learn More about Term Life Insurance:
Physicians & Shareholders - Refer to Human Resources for Plan Summary