Health Insurance

Summary and plan information

Regular full time and regular part time employees are eligible to participate in the health insurance plan, subjected to the waiting period and other eligibility qualifications. In general, this is the first of the month following one (1) month of employment in a benefit eligible position. Medical insurance premiums may be deducted pre-tax.

Employees will be provided detailed information about this benefit as they become eligible. The specific eligibility requirements and provisions of coverage are detailed in the summary plan documents which are available at HRConnection. These and other plan documents will be the final determinant of eligibility and coverage.

Benefit Levels (In-Network)
$2,000 Deductible Plan
(Must be eligible)
$3,000 Deductible Plan
(Must be eligible)
Deductible $2,000 Single / $4,000 Family $3,000 Single / $6,000 Family
Medical Out-of-Pocket Maximum $3,250 Single / $6,000 Family $4,250 Single / $8,500 Family
Outpatient You pay deductible, then 80% up to
Out-of-Pocket Maximum
You pay deductible, then 80% up to
Out-of-Pocket Maximum
Inpatient You pay deductible, then 80% up to
Out-of-Pocket Maximum
You pay deductible, then 80% up to
Out-of-Pocket Maximum
Office Visit You pay deductible, then 80% up to
Out-of-Pocket Maximum
Three visits free. Then you pay
deductible, then 80% up to
Out-of-Pocket Maximum
Preventative Care 100% 100%
Emergency Care You pay deductible, then 80% up to
Out-of-Pocket Maximum
You pay deductible, then 80% up to
Out-of-Pocket Maximum
Prescription Drug $10 Generic copay
$30 Formulary copay
$50 Non-Formulary copay
Specialty drug: 20% up to $200 copay
$10 Generic copay
$30 Formulary copay
$50 Non-Formulary copay
Specialty drug: 20% up to $200 copay

Contact:

HealthPartners
952-883-5000 or 800-883-2177

Important components of your health plan

Insurance year begins January 1

This is different than the academic year of September 1 – August 31 because January 1 is the most common plan year for health insurance. The plan runs January - December to correlate with the payroll as well as the Section 125 cafeteria plan.

Changing options during the year

A qualifying event must have taken place in order for you to change benefit options. Examples of qualifying events are marriage, divorce, birth, or adoption of a child. It is your responsibility to notify the Human Resource department about the benefit change within thirty (30) days of the event.

Coordinating your Northwestern benefits with your spouse’s plan

The primary plan pays its benefits without regard to any other plan. The secondary plan adjusts its benefits so that the total benefits paid by both plans will not exceed 100% of the allowable expenses. Our plan would be considered the primary plan, because it is covering you directly as an active employee. Your spouse's plan would be considered the secondary plan.

HealthPartners’ online service

Follow these steps to log on and gain access to items such as participating providers, the drug formulary, Healthy Benefits, check the status of claims, order additional insurance cards and explore additional features.

  • If this is your first time registering, click on the "Create username and password" link from the front web page. Then click on "I Have HealthPartners Insurance." Make sure to have your Member ID card available and fill in your information as it appears on your card.
  • Log on to https://www.healthpartners.com/. If you forgot your password, click on the "Need help logging on?" link from the main web page.

Pre-existing medical conditions

Pre-existing conditions are covered as a new employee. If you are a special enrollee, you will need to provide proof of creditable insurance, in order to avoid the pre-existing conditions clause.

If your doctor is not listed as a provider with HealthPartners

You may still see your doctor, however, you will be charged the out-of-network provider charges. To avoid being charged out-of-network costs, you must select a doctor within the network. Our group network is HealthPartners Open Access.

Vision Coverage

Routine eye exams are covered under the preventative care benefit. Preventative care is covered at 100%.

Prescriptions

Filling prescriptions at a retail pharmacy

Present your insurance card when you drop-off your prescription at a participating HealthPartners pharmacy. Your co-pay will be $10.00, $30.00 or $50.00. If the drug costs are less than $10.00, you will pay the cost of the drug.

Using mail order service for prescriptions

Go online to the HealthPartners mail order pharmacy or call 952-833-0497. Ask your doctor for two prescriptions: one for the maximum ninety (90) days supply allowed by the plan, plus refills; one to be filled at a retail pharmacy for use until you receive your prescription order through the mail.

Back to Top