Available Plan Options
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 plan that suits your needs, click on that plan name 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.
View Minnesota product grid summary below.
Offer More Than One Plan
Groups with five or more participating employees may enjoy the flexibility of pairing two plans.
View guidelines for pairing two plans (Custom Options by Medica®).
Groups with ten or more participating employees may enjoy the flexibility of offering three to five plans.
View guidelines for offering three to five plans (Custom Options Plus by MedicaSM).
View plan options.
For large group, consult with your Medica Sales Executive.
Enhance your plan selection with:
Tax-advantaged financial accounts (HSA, HRA, FSA)
Consumer-directed health plans (CDHPs) are one of today’s fastest growing health plan options. CDHPs combine a high deductible medical plan with a health savings account (HSA), health reimbursement account (HRA) or flexible spending account (FSA) to help offset employees’ out-of-pocket costs.
View Medica Consumer Directed Solution.
Dental Plans
Medica offers you a choice of two dental plans—Medica DentalCompleteSM, a national dental plan, and DentalExplorer®, a non-network regional plan.
View dental plan options.
Minnesota Plan Options
| Plan Name |
Type of Plan |
Ideal for Employees Who... |
Group Size
Small = 2-50
Large = 51 |
| Medica Choice® Passport |
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 small and large groups |
Medica Elect ® and Medica Essential SM
Location of networks vary by plan |
Care system plans
(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 small and large groups |
| Patient Choice InsightsSM By Medica |
Open access tiered network plan for Twin cities metro employers
|
- 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 Focus® |
Open access value plan with metro network
(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 Group Prime Solution® |
Group Medicare plan
Provides better benefits than Individual Medicare |
- Retirees who are Medicare eligible
- No employer contribution required
|
For groups of 10 or more |
Discontinued Plans
The following products are available to groups currently enrolled on these plans:
Minnesota Small Employer Mandated Plan Options
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. If you would like more information on these plan options, please contact your broker or Medica sales representative.
Learn more about the state-mandated options.
Medica Insurance Company Options
Note: These plans are only available in the Medica Insurance Company (Medica) MN selling service area. Please contact your broker or Medica representative if you have questions regarding our MN selling service 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; and 50 percent coverage for prescription drugs. In-network preventive services are covered at 100%. There is also 50 percent coverage, after a $4,500 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; and 50 percent coverage, after the deductible has been met, for prescription drugs. In-network preventive services are covered at 100%. The lifetime maximum benefit is $1,000,000 per member. There is also 50 percent coverage, after a $4,500 deductible has been met, for non-emergency services received from non-network providers.
Return to the main Medica Plans page.