Minnesota employer groups have a lot of terrific options. To help you decide which plans to consider, do a quick review of the features below. Once you find a product that suits your needs, click on that product to get all the information you need to make your decision. As always, please contact your broker or Medica representative for advice. We're here to help.
| Product Name | Type of Plan | Ideal for employers who ... | Group Size
(Small = 2-50;
Large = 51+) |
| Medica Choice® | Open access local network plan
(Consumer-directed, high deductible health plan options available.) | Want maximum flexibility Want a broad but local provider network Value simplicity Want information on state mandated plan options (see below) | For large and small groups |
| Passport from MedicaSM | Open access national network plan
(Consumer-directed, high deductible health plan options available.) | Have employees located in multiple states or across the country Value simplicity | For groups of 5 or more |
Medica Elect® and Medica EssentialSM
(Location of networks vary by product) | Care system plans
Priced 8-10% below Medica Choice® (Consumer-directed, high deductible plan options available.) | Desire cost savings and are willing to accept a narrower provider network to get it Have employees located in the Elect and the Essential service areas | For large and small groups |
| Patient Choice InsightsSM By Medica | Open access tiered network plan for Twin cities metro employers
Priced 12% below Medica Choice® | Want to promote cost savings while still preserving freedom of choice for employees Want a bridge between traditional open access plan and consumer-directed plan Have employees located in the 11-county Twin Cities metro area | For groups of 5 or more |
| Medica FocusSM | Open access value plan with metro network --
Priced up to 20% below Medica Choice® (Consumer-directed plan options available.) | Place top priority on controlling costs Are willing to accept a narrower provider network Have employees who are located in the 8-county Twin Cities metro area | For groups of 5 or more |
| Medica Direct® | Consumer-directed, high deductible HRA and FSA health plans
(This product can be offered with any of Medica's networks -- care system, regional or national open access network.) | Seek to contain costs by empowering employees to become active health care consumers Are willing to place increased responsibility on employees for managing their health care and benefits. | For small and large groups |
| DefinitySM By Medica | Consumer-directed, high deductible HSA, HRA and FSA health plans for large self-insured employers
(This product is currently only available with our national network, Passport from Medica.) | Seek to contain costs by empowering employees to become active health care consumers Are willing to place increased responsibility on employees for managing their health care and benefits | For large self-insured groups |
| High Deductible Health Plan | Standalone high deductible health plan with HRA and HSA options
(Account administration provided by third party) | Seeks to contain costs by empowering employees to become active health care consumers Are willing to place increased responsibility on employees for managing their health care and benefits Are willing to select and work with third party account administrator | For small and large groups |
Minnesota's Small Employer Insurance Reform legislation (Section 62L) requires that all health insurance carriers notify small employers (2-50 employees) of the availability of state-mandated health plan options at renewal. Employers are not required to select any of these options; this information is simply provided for your reference. !f you would like more information on these plan options, please contact your broker or Medica sales representative.
Note: These plans are only available in the Medica Insurance Company (Medica) network access area. Please contact your broker or Medica representative if you have questions regarding our network access area.
Option 1: Small Employer Copayment Plan MICMan Copay -- Network and Non-Network:
This plan offers 80 percent coverage, after a copayment has been applied, for most eligible services; no coverage for preventive health services, except well-child and prenatal care; and 50 percent coverage for prescription drugs. There is also 70 percent coverage, after a $500 deductible has been met, for non-emergency services received from non-network providers.
Option 2: Small Employer Deductible Plan MICMan Ded:
This plan offers 80 percent coverage, after a $2,250 deductible has been met, for most eligible services; no coverage for preventive health services, except well-child and prenatal care; and 50 percent coverage, after the deductible has been met, for prescription drugs. The lifetime maximum benefit is $1,000,000 per member.
There is also 70 percent coverage, after a $4,500 deductible has been met, for non-emergency services received from non-network providers.
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