Health insurance is a need and providing it can be a challenge for organizations of all sizes. MHC is a partner in bringing Minnesota schools, cities and counties the best plans at the best pricing, along with extensive wellness resources to serve the needs of the population.
Large Groups (51+ employees)
Larger organizations often consider a self-insured insurance pool because it provides better pricing and plan options. The Minnesota Healthcare Consortium is the second largest health insurance pool in the state behind the State of Minnesota. We negotiate statewide pricing and create a large, diverse membership that reduces costs for everyone, including taxpayers.
Many insurance programs seek to control costs by limiting access to only select health care providers and pharmacies. MNHC believes it is important to maintain access and choice, providing flexible options for groups and employees to choose from. With MNHC, enrolled groups receive:
- Choice to select the broadest provider and pharmacy networks
- More comprehensive pharmacy drug formularies
- A seamless national network for out of state claims
- No gatekeeper, which allows for access to Mayo for complex care needs
- Freedom to choose from the MNHC plan portfolio or establish a more tailored plan to meet the groups needs.
Small Groups (50 or fewer employees)
Healthcare costs have been increasing at an unsustainable rate for all organizations, but those with under 50 employees experience more volatility from one year to the next. MNHC is changing that through a specialized pool for public employers with 50 or fewer enrolled employees. This pool seeks to give Minnesota’s smallest public employers big company buying power and more choice when offering health care benefits.
For those employers wanting an alternative option, ICHRA (Individual Coverage Health Reimbursement Arrangement) may be the right fit. With this type of health insurance coverage, employees purchase their preferred plan on the individual market and receive a reimbursement (premium and out-of-pocket expenses) through an employer-sponsored HRA. ICHRA gives the employee the choice of what insurance plan to buy, whether they want a low-deductible or high-deductible plan and which carrier to go with.
- How does an ICHRA work?
- The employer determines how much money they want to contribute to each employee
- Employees use money from their ICHRA to purchase individual health insurance
- The Carrier administers the plan, paying carriers from the employer’s ICHRA contribution and employee’s payroll deduction
Health & Wellness
My Health Rewards
My Health Rewards features unique digital lifestyle and condition management coaching modules, health assessments, activity tracking, and more. Members can establish and maintain healthy goals and habits using market-leading technology and support tools. Participants 18 years and older are eligible for $220 in rewards incentives annually from Medica.
Fit Choices
Each month, members can earn up to a $20 credit when they meet their visit requirement at a participating health club. Members simply show their Medica ID card and work out. The club tracks visits and notifies Medica. The Fit Choices network has more than 3,000 locations. See Fit Choices by Medica for the list.
Sanvello
Finding ways to cope with stress is essential to maintaining—even improving—health and well-being. Sanvello can help. This top-rated self-help app empowers individuals to engage with activities to improve their mental health anytime, anywhere. Members can stay engaged each day for benefits they can feel. Sanvello is available to members 13 years and older.
Omada for Prevention
Recognized by the Centers for Disease Control and Prevention as a national diabetes prevention program, Omada for Prevention is a digital lifestyle change program that helps at-risk employees lose weight and reduce their risk for diabetes and heart disease.
Omada for Diabetes
The Omada for Diabetes program provides personalized support and digital tools to help employees with diabetes meet their goals. The program is accredited by the Association of Diabetes Care and Education Specialists (ADCES).
Omada for MSK
There’s a better way to manage joint and muscle pain. Omada’s Musculoskeletal Program brings virtual physical therapy to members whenever they need it, wherever they are.
Healthy Savings
Healthy Savings is about making eating healthier, easier, and more affordable. Members can locate participating stores, view weekly promotions, track their accumulated savings, and more through the Healthy Savings website and app. Medica Healthy Savings is included in your plan, and participants can save up to $250 a month on healthy food.
PerkSpot
Whether it is saving on a family vacation or going to the gym, PerkSpot provides members with exclusive discounts and rewards to hundreds of merchants nationwide that are impactful and easy.
Ovia
Ovia Health is a trio of smartphone apps that provides personalized guidance, support, and coaching across the reproductive health and parenting spectrum, from fertility health tracking to getting pregnant to navigating pregnancy, postpartum, and parental wellness.
Telemedicine – Amwell
A Doctor is just a phone call or click away to get the medical attention you need for your physical and mental health. Convenient, real-time care is available 24/7, 365 days per year and treats the top conditions seen in urgent care centers.
Medica Call Link
Medica CallLink connects you with advisors and nurses around the clock. When you call, you’ll receive trusted answers, information, and support for a wide range of health concerns. More good news? This service is available at no additional cost to you, as part of your health plan.
Live and Work Well
With Live and Work Well, you’ll find health resources and personalized support services to help you and those you care about find the balance, support and care to live the healthiest life possible. The site is available 24/7 for confidential access to professional care, self-help programs and a variety of helpful information.
Worksite Wellness
Regional Worksite Wellness programs help our members build a customized wellness experience on‐site that increases employee engagement and makes the healthy choice the easy choice for their staff.
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Specialty Benefits
Medical Spending Account
Further is a national leader in health spending account administration, serving more than 30,000 clients nationwide. Our comprehensive suite of market-leading spending account solutions supports your growth and meets the needs of employers and members across all market segments. Further has partnered with the Minnesota Healthcare Consortium (MHC) for over fifteen years making us uniquely qualified to understand the needs of public sector employers and their employees. Through this partnership we can work seamlessly with the health plan and the service cooperatives to ensure all aspects of the spending account needs are met, are administered within IRS guidelines, and targeted education is readily available to both employees and group leaders.
Vision
Taking care of your eyes is easy with Minnesota Healthcare Consortium and VSP® Vision Care. VSP Vision Care offers both voluntary and employer paid plans. Employers can choose from a full-service plan that includes exam services benefits or a materials only plan. Visit https://mhc-acpt.vspforme.com/ for more information
Long Term Care
As people live longer due to medical advancements, so too grows the concern that later years will deplete or exhaust your lifetime of savings. Preparing now will help protect your assets and give you the peace of mind you deserve. A Long Term Care plan can give you and your loved one’s peace of mind that you have secured your future and the assets you worked so hard to save.
