Medical insurance

Understand the medical insurance options available to eligible City employees.

Explore this section

Medical plan information



2022 networks and contributions

 Employee Contribution - 2022 Standard RateEmployee Contribution - 2022 Standard RateEmployee Contribution - 2022 Wellness RateEmployee Contribution - 2022 Wellness Rate2022 Employer Contribution2022 Employer Contribution
Medica Network Single Family Single  Family Single Family
Medica Choice Passport $81 $248 $56 $178 $302 $817
Medica Elect $54 $177 $29 $107 $302 $817
VantagePlus with Medica $35 $124 $12 $59 $302 $817
Park Nicollet First with Medica $25 $98 $2 $33 $302 $817
Ridgeview Community Network powered by Medica $25 $98 $2 $33 $302 $817
Clear Value with Medica $25 $98 $2 $33 $302 $817


Semi-monthly rates

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

Helpful links

Enrolling in a medical plan

Most regular, full-time employees may enroll for benefit coverage to be effective on the first 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 and includes more than 95% of Minnesota hospitals and physicians. The 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. Here is a list of primary care clinics as of 1/1/22.

2022 elect clinics

  • 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 customer service.
  • All of the Medica Elect care systems require a primary physicians referral in order for you to see specialists or facilities outside the care system.

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 MedicaSM (ACO)  

  • Includes physicians from M Health Fairview (the new name representing all of Fairview, HealthEast and many University of Minnesota Physician sites), North Memorial Health, and many popular independent clinics.
  • Special features include a personal welcome call if you're new to the plan, a single phone number for questions about your coverage or your care, same-day and virtual appointments for primary care, online care and a 24/7 nurse line, plus multiple virtual care options - including 24/7/365 eVisits, video visits and online messaging with your care team through MyChart.

Park Nicollet First with MedicaSM (ACO)

  • Includes more than 20 neighborhood Park Nicollet clinics offering primary care, urgent care, and specialty care, plus access to Park Nicollet Methodist Hospital, St. Francis Regional Medical Center, and other network providers.
  • Special features include same-day primary care appointments plus weekend and evening hours, online diagnosis and treatment for 60 common conditions at, a text message service to guide you to and through appointments, valet parking at selected locations, and discounts at Park Nicollet Health & Care Stores.

Ridgeview Community Network® powered by Medica (ACO)

  • Includes all Ridgeview Clinics; Catalyst Medical Clinic; Lakeview Clinic, Ltd.; OBGYN West, South Lake Pediatrics; Wayzata Children's Clinic; and Western OBGYN, a division of Ridgeview Clinics; plus 150+ specialty care partnerships; and six hospitals (Abbott Northwestern Hospital, Children's Minnesota, HCMC, Ridgeview Arlington Campus, Ridgeview LeSueur Campus and Ridgeview Waconia Campus). 
  • Special features include a navigator to answer questions about network providers, community services and wellness programs; text-messaging reminders about preventive wellness visits; six urgent care locations, same-day primary care appointments, a 24/7 nurse and advisor line, free local home delivery of prescriptions from partner pharmacies, access to online care, and free meet-and-greet provider visit.

Clear Value with MedicaSM   (ACO - NEW in 2021)

  • Includes providers and facilities from Hennepin Healthcare, an integrated system of care that includes a nationally recognized Level 1 adult and pediatric trauma center, as well as a clinic system with eight primary care clinics and 60 specialty clinics located in Minneapolis and across Hennepin County, When you enroll in this ACO, you may see any primary or specialty care provider in the Hennepin Healthcare network without a referral.  
  • Also features convenient and quick access to care; Pops diabetes management system; free parking and easy public transit options; on-site pharmacies and medication therapy management; concierge scheduling support; access to holistic care that combines conventional and complementary approaches such as acupuncture, chiropractic care, integrative physical therapy, and integrative primary care; and a secure online patient portal. 

Review the health plan resource website

Summary of Benefits and Coverage (SBC)

As part of the Patient Protection and Affordable Care Act (PPACA) employers are required to provide a standard Summary of Benefits and Coverage (SBC) for each plan. Please note that the coverage examples presented on page 7 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



Request accessible format

If you need help with this information, please email 311, or call 311 or 612-673-3000.

Please tell us what format you need. It will help us if you say what assistive technology you use.

Contact us

Benefits Administration

Human Resources






City Hall
350 S. Fifth St., Room 1
Minneapolis, MN 55415