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Medical plan information

2025 networks and contributions

	Employee Contribution - 2025 Standard Rate	Employee Contribution - 2025 Standard Rate	Employee Contribution - 2025 Wellness Rate	Employee Contribution - 2025 Wellness Rate	2025 Employer Contribution	2025 Employer Contribution
Medica Network	Single	Family	Single	Family	Single	Family
Medica Choice Passport	$100	$301	$71	$220	$345	$932
Medica Elect	$63	$206	$34	$126	$345	$932
VantagePlus with Medica	$43	$147	$14	$71	$345	$932
Park Nicollet and HealthPartners First with Medica	$32	$116	$3	$40	$345	$932
Ridgeview Community Network powered by Medica	$32	$116	$3	$40	$345	$932
Clear Value with Medica	$32	$116	$3	$40	$345	$932

 

2024 networks and contributions

 

	Employee Contribution - 2024 Standard Rate	Employee Contribution - 2024 Standard Rate	Employee Contribution - 2024 Wellness Rate	Employee Contribution - 2024 Wellness Rate	2024 Employer Contribution	2024 Employer Contribution
Medica Network	Single	Family	Single	Family	Single	Family
Medica Choice Passport	$97	$297	$69	$217	$342	$923
Medica Elect	$63	$206	$34	$126	$342	$923
VantagePlus with Medica	$41	$145	$14	$71	$342	$923
Park Nicollet and HealthPartners  First with Medica	$30	$115	$3	$40	$342	$923
Ridgeview Community Network powered by Medica	$30	$115	$3	$40	$342	$923
Clear Value with Medica	$30	$115	$3	$40	$342	$923

Semi-monthly rates

The premium amounts shown above will be deducted from each of your first two paychecks per month. 

Helpful links

• Medica price transparency

• Search networks and learn about medical plan

• Required dependent documentation

Enrolling in the City of Minneapolis medical plan

Most regular, full-time employees may enroll for benefit coverage to be effective on the first day of the month following the first day of employment. Waiting periods and participation start dates can be found in the policy or collective bargaining agreement governing your employment.

Other employees may become eligible to enroll in the medical plan and HRA/VEBA due to provisions of the Affordable Care Act. If this applies to you, plan and enrollment information will be provided at the time you become eligible.

If you have questions about your eligibility for the medical plan, please contact the Benefits Office.

Plan design

The City of Minneapolis Medical Plan features one plan design with a choice of provider networks. The plan provides coverage for a wide range of covered services including physician services, hospital services and prescription drugs.

• Eligible preventive services are paid at 100%. Other covered services are subject to an annual deductible.
• The annual deductible is $2,000 for an individual and $4,000 for a family. A deductible is a fixed dollar amount you pay for covered services before your medical plan pays for anything during the plan year. Prescriptions are not counted toward the annual deductible.
• You will pay co-insurance of 20% of the cost for covered services received from network providers after you have met your deductible. Coinsurance is a percentage amount that you pay after a service has been provided and a claim has been processed.
• The out-of-pocket maximum is $3,000 for an individual and $6,000 for a family. An out-of-pocket maximum is the maximum limit of deductible, prescription co-pays, and coinsurance for covered services that you could  pay each year. If you reach the out-of-pocket maximum, the City of Minneapolis Medical Plan will pay 100% of charges for covered services for the remainder of the calendar year.
• When you fill prescriptions at a retail pharmacy that participates in your provider network, you will be responsible to pay the pharmacy a copayment that varies depending on the category your medication is in:
  • Generic: $10 copayment
  • Preferred brand: $25 copayment
  • Non-preferred brand: $50 copayment
• Read more about the plan design

Provider network options

When you enroll, you must select one provider network from the available options to provide care for you and all dependents covered by your plan. 

Medica Choice^® Passport

Consider selecting Medica Choice Passport if it's important to you to be able to see a wide range of providers without a referral. 

• Choice Passport is Medica's largest network. With hundreds of thousands of providers throughout the nation, there's a good chance your current doctors are included in the network. Mayo Clinic is included in this network.
• You do not need a referral to see specialists in the network.
• You do not need to designate a primary care clinic to enroll.

Medica Elect^® 

Consider selecting the Medica Elect network if you'd prefer to designate a primary care provider to coordinate any specialty care you may need. 

• You must designate a primary care clinic from a participating care system when you enroll.
• All family members must enroll in the Medica Elect network, but each may designate a different primary care clinic or care system within the network. You can change your primary care clinic designation as often as once a month by calling Medica Member Services.
• If you can't get the care you need within your care system, you can ask for a referral to see a provider in another Medica Elect care system.
• You can use the list of clinics, below, to see if yours is covered in the Elect network and to get the 11 digit primary care clinic number:

2024 Elect PCC List

2025 Elect PCC List

Accountable care organizations (ACOs)

Consider selecting one of the ACO networks listed below if you already use the providers that participate and would like to receive more personalized care and services at a lower cost. When you enroll in an ACO network, you don't need to designate a primary care clinic or get a referral for specialty care, but you must get all your care from the ACO in order to receive in-network benefits.

VantagePlus with Medica^SM (ACO)  

• Connects you with physicians you know and trust from M Health Fairview, North Memorial Health, and many popular independent clinics. This means you'll have in-network access to academic medicine, expert care and high-level trauma care.
• Special features include:
  • One phone number for questions about your care, coverage and more, 24/7/365: 1 (866) 882-8493
  • Multiple virtual care options with M Health Fairview and North Memorial Health providers
  • Nurse advisors you can reach 24/7/365
  • Pharmacy perks that include a three-month supply of medication for only two copays when you use a Fairview or North Memorial Health pharmacy (for members with a copay pharmacy plan)
  • A specially trained pharmacist who'll make sure your medications are right for your conditions, lifestyle and budget
  • Urgent care for issues that are non-life threatening but need attention right away

Park Nicollet and HealthPartners Medical Group First with Medica^SM (ACO) 

• Connects you with providers you know and trust from Park Nicollet and HealthPartners neighborhood clinics, specialty centers, and hospitals. We're here for you when you need a well exam, health screenings, immunizations, or an immediate medical need.
• Special features include:
  • Same-day primary care appointments, including evening and weekend hours
  • Urgent care for issues that aren't life threatening but need attention right away. Open late seven days a week; check wait times for your specific urgent care online at HealthPartners.com/UrgentCare
  • Nurse advisors you can reach 24/7/365
  • 24/7 online care for diagnosis and treatment for 60 common health conditions at Virtuwell.com
  • SmartCare, for time-saving care when and where you need it - at the clinic, on your phone, or online

Ridgeview Community Network^® powered by Medica (ACO)

• A local, integrated care experience that's designed for one person: You. It lets you connect with providers you know and trust to meet your care needs.
• Special features include:
  • Network navigators to answer questions about your providers, connect you with care, and work closely with Medica as your advocate
  • Free "Meet and Greet" provider visit with an in-network provider
  • Convenient Saturday morning appointments at select clinics
  • Personalized and group nutrition services with a registered dietitian
  • A specially trained pharmacist who'll make sure your medications are right for your conditions, lifestyle and budget

Clear Value with Medica^SM   

• Connects you to care you need when - and where - you need it. Thanks to the combined strength of Medica and Hennepin Healthcare, you'll get easy access to that care. 
• Special features include:
  • Quick, convenient access to acute care, same and next day appointments and emergency care
  • Convenient access to your prescriptions with onsite pharmacies at seven locations, including free medication delivery
  • Integrative health services such as acupuncture, chiropractic care, physical therapy and primary care
  • MyChart, a secure online portal, so you can send a message to your provider, schedule a video visit, request an e-visit or prescription refill, see test results and more. 

Review the health plan resource website

Summary of Benefits and Coverage (SBC)

The Patient Protection and Affordable Care Act (PPACA) requires employers to provide a standard Summary of Benefits and Coverage (SBC) for each benefit plan offering. Please note that the coverage examples presented on page 8 of the SBC use hypothetical costs to show how the plan works. The costs presented should not be interpreted as actual costs under the City of Minneapolis medical plan.

Review the Summaries of Benefits and Coverage for each network option