Employee Open Enrollment for 2025 Benefits

View Medical Insurance Open Enrollment presentation

Preferred, Broad or High Deductible Plan

Choose the Preferred, Broad or High Deductible Plan. Choose Single, Employee + Spouse, Employee + Child(ren) or Family enrollment tier. Employee dependents and legally married spouse can be insured. Monthly premiums are decreasing for all employees depending on the plan and enrollment tier selected. View a summary of the 2024 plans and approved monthly premium rates. Refer to detailed Summary of Benefits Covered for each plan linked below or request a paper copy from your department PBTA.

Look up whether your current provider is considered in network for the Preferred, Broad and High Deductible plans.  See Provider Network Access Look Up Instructions (PDF). 
Look up your current prescriptions and determine the benefit level they will be for the Preferred, Broad and High Deductible plans.  See Medication Benefit Level Look up Instructions (PDF)

Resources

• BCBS Member Resource Guide (PDF)
• BCBS Transition of Care Guide (PDF)
• Preventative Care Recommendations (PDF)
• Insulin Member Cost Share (PDF)
• Call Blue Cross Blue Shield customer support with questions: 1-844-348-0582, Monday-Friday, 7 a.m. to 8 p.m. 

Broad Plan (Aware Network)

BCBS Summary of Benefits Covered – Broad Plan (Aware Network)

Employees and their dependents with HealthPartners coverage in 2023, will be auto enrolled in the Broad plan if no other plan is selected during open enrollment.

High Deductible Plan (Aware Network)

BCBS Summary of Benefits Covered – High Deductible Plan (Aware Network) 

Employees covered by another non-Ramsey County Health plan cannot enroll in the High Deductible Plan.

Preferred Plan (High Value Network)

• BCBS Summary of Benefits Covered – Preferred Plan (High Value Network) (PDF)
• High Value Network Flyer (PDF)
• MN Care Systems in Aware and High Value Networks (PDF)

Wellness Incentive

2024

Blue Cross Blue Shield will provide up to $240 ($20/month, tax free) in electronic gift cards to each enrolled employee and spouse who participate in qualified wellness activities. Information about how to qualify and redeem earned gift cards will be available in the Blue Care Advisor portal in early January. 

2023 - completing HealthPartners Healthy Benefits

There will not be a copay reduction in 2024. Employees who completed the HealthPartners Healthy Benefits program by Sept. 30, 2023 will receive $125 (taxed) on their paycheck by the end of April 2024. More information will be shared on this incentive after the first of the year. 

View Dental Open Enrollment presentation

Choose the Select or Open Plan. Choose Single, Employee + Spouse, Employee + Child(ren) or Family enrollment tier. Employee dependents and legally married spouse can be insured. Monthly premiums are decreasing for most enrollment tiers. View a summary of the 2024 plans and approved monthly premium rates (PDF).  Refer to detailed Summary of Benefits Covered for each plan linked below or request a paper copy from your department PBTA.

To verify whether your current provider is considered in-network for the Select and Open plans, please go to the MetLife website and search the PDP Plus network here: https://providers.online.metlife.com/findDentist?searchType=findDentistMetLife

Select Plan

• Summary of Benefits Covered – Select Plan (PDP Plus Network) (PDF)

The Select plan increases the annual benefit maximum from $1,200/person to $2,000/person with similar deductibles. The Select Plan provides out of network orthodontia coverage at 50%, up to $1,000 per person.

Employees and any dependents currently enrolled in the HealthPartners Narrow Plan for dental will be auto enrolled in the MetLife Select Plan.

Open Plan (PDP Plus Network)

• Summary of Benefits Covered – Open Plan (PDP Plus Network) (PDF)

The Open plan provides the same deductible and coverage level for out of network dentists as in-network dentists, accommodating employees who want to continue treating with a HealthPartners dentist or other out of network dentist. The Open plan provides out of network orthodontia coverage at 50%, up to $1,000 per person.

Resources

Call MetLife Customer Support at 1-800-GET-MET8
Find a Dental Provider - PDP Plus (PDF)
Dental PPO Booklet (PDF)|
MetLife Mobile App Flyer (PDF)

View Life Insurance open enrollment presentation    View Lifestyle Benefits presentation

2024 rates remain the same. The optional supplemental life insurance maximum for employees will increase to $750,000 (previously $500,000) and to $500,000 (previously $250,000) for spouses. Evidence of insurability may be required. During open enrollment, there will be a one-time opportunity to elect or increase supplemental life coverage without Evidence of Insurability. Employees may elect up to $40,000 (not to exceed $100,000 when combined with current coverage) and Spouses may elect up to $10,000 (not to exceed $50,000 when combined with current coverage). See examples below. Elections must be in $1,000 increments.

Lifestyle benefits are available to all employees and their families at no additional cost including beneficiary counseling, will preparation, and travel assistance. Explore https://securian.com/ramsey-insurance.

Resources

• Why Life Insurance is Important
• Have you elected a beneficiary
• Do I need to answer health questions?
• And more!

Extra features

Minnesota Life continues to offer several attractive features as enhancements to the county’s life insurance plan.  These Lifestyle benefits include, beneficiary financial counseling, will preparation, and travel assistance.  They are available at no additional cost to covered employees and their families. You can read more about these features in the Employee Reference Guide on page 19.

Adjusting coverage amounts

If you are requesting additional amounts of spouse optional life insurance or optional coverage for yourself over the guaranteed issue amounts, you will need to print the Group Life Evidence of Insurability form, complete it, and fax or mail it to Minnesota Life for approval.

Madison National Life, with National Insurance Services as the plan administrator, will continue in 2024 as the long-term disability (LTD) and short-term disability (STD) insurance provider. There will be no plan design changes in 2024 and premiums will decrease.  

Extra features

Identity theft protection is available at no additional cost through Madison National. You can read more about this in your Employee Reference Guide on page 22. 

Reviewing your plan

It's a good idea to review your Optional Long Term Disability and Short Term Disability election each year to see that you have adequate income protection. It's also good to review that the Short Term Disability you have selected has an appropriate elimination period based on the size of your sick leave bank.

Pre-tax plans allow you to pay eligible Health Care and Dependent Care expenses with dollars deducted from your salary before taxes are taken out (pre-tax dollars).The maximum contribution amounts as set by the IRS for 2024 are:

• Health Care $3200 - annually
• Dependent Care $5,000 - annually
• Parking $300 - monthly

Employees who enroll in the High Deductible Health plan with a Health Saving Account are only eligible to enroll in the Limited Purpose Flex Spending Account per IRS regulations. 

Carryover feature

The Ramsey County Cafeteria Plan allows for a carryover of unused Health Care FSA funds from one plan year to the next up to a maximum amount.

• Unused 2023 Health Care contributions will be carried over to 2024 up to $500. The 2023 to 2024 carryover will be administered from HealthPartners to WEX in April of 2024.
• Unused 2024 Health Care contributions will be carried over to 2025 up to $640.  

Enrollment

Remember, if you want to participate or continue participation in the Pre-Tax Health Care or Dependent Care Reimbursement Programs, you must make a new election each year.   Your participation in these programs will terminate if you don't make an election. 

WEX Resources

• FSA Open Enrollment Video
• Virtual FSA Open Enrollment Fair
• Virtual HSA Open Enrollment Fair
• Benefits Technology & Resources Employee Handout
• Benefits Mobile App Employee Handout
• WEX Benefits Card Handout
• FSA Eligible Expenses Lookup Tool
• WEX FSA Store 
• WEX HSA Store