Health Benefits

Health Benefits

Medical Plans

Employees may choose from three types of medical plans:

  • Preferred Provider Organization (PPO)
  • Integrated Health Model (IHM)
  • Exclusive Provider Organization (EPO)

The difference between the three types of plans are flexibility, choice of physicians, co-payments and deductibles, coverage percentages and premium costs. Please note the following:

Plan summaries and standard benefits charts for each type of plan can be found in the medical section of the Health Benefits booklet. Premium costs vary depending on the specific plan and level of coverage selected. All plans include vision coverage. Employees selecting a PPO or EPO plan are not required to select a Primary Care Physician (PCP).

Prescription Drug Plan: Comprehensive prescription drug benefits are available to all eligible individuals. Premium costs are determined by level of coverage selected. Each prescription is subject to a co-pay.

Dental Care Program: Dental coverage is available to all individuals who are eligible for health benefits with the state. You can enroll in one of the two dental plans offered if you want to have dental benefits: United Concordia DPPO and Delta Dental DHMO. Premium costs are determined by level and type of coverage selected.

Vision Benefits: Vision benefits are only available to all individuals enrolled in a State medical plan. Your medical plan will provide you with additional information on how to obtain services, claim forms, etc.

Term Life Insurance: This benefit is available through Securian/Minnesota Life Insurance Company for all eligible individuals. Coverage is available in amounts varying from $10,000 to $300,000. Premiums on the first $50,000 are eligible for pre-tax treatment for full-time regular employees.

Personal Accident & Dismemberment: This benefit is available through Securian/Minnesota Life Insurance Company for all eligible active status employees and their dependents. It provides both accidental death and dismemberment for accidents that occur on or off the job. Up to $300,000 in protection can be purchased for employees and their dependents.

Health Care Spending Account: Permits employees to set aside up to $2,550 annually of pre-tax pay and then be reimbursed for expenses associated health care. Reimbursement forms are available on http://www.MD.padmin.com/ or you may choose the payment card option.

Day Care Spending Account: Allows employees to set aside up to $5,000 of pre-tax pay annually and then be reimbursed for expenses associated with the care of dependents. Reimbursement forms are available on http://www.MD.padmin.com/ or you may choose the payment card option.

UNUM Benefits

Many Health options are available. The following benefits are available through UNUM. Packets containing information about each can be obtained from the Office of Human Resources.

Group Life Insurance: Coverage is available for both employees and their dependents. Levels of coverage range from $10,000 to $750,000, not to exceed six times the employee's annual salary.

Long Term Disability Insurance: Provide benefits equal to 60 percent of salary up to $8,000 per month beginning 90 or 365 days after total or partial disability.

The Wellness Plan: Provides several important benefits. First, it helps you and your enrolled spouse work with your medical providers to get and/or stay healthy. Second, it saves you money on your healthcare. Third, it will save money for the State in the long term by focusing our healthcare dollars on prevention. It’s your choice whether or not to participate, but there are advantages to doing so.