HEALTH INSURANCE CHANGES – Effective January 1, 2024

Fertility services will be a covered benefit under all plan administrators, effective 1/1/2024.

For Cost Levels 1 and 2, there will be no cost / no copayments for mental health office visits, and they will not be subject to a deductible. For Cost Levels 3 and 4, mental health office visit copayments will be decreased by $20 (mental health office visits for Cost Levels 3 and 4 will still be subject to a deductible).

Medically necessary dental procedures due to cancer treatment to be covered by medical plan.

No increases in health insurance co-pays, coinsurance, and deductibles, and no changes in out-of-pocket medical and prescription drug limits for 2024 and 2025.
MN Advantage Health Insurance Plan premium increase 3% in 2024.
The incentive of a $70 credit to an employee’s deductible for completion of wellbeing program activities will be eliminated as of 1/1/2025. Employees may continue to complete activities during January - October 2023 to receive the $70 credit in plan year 2024.
Beginning 1/1/2024, access to out-of-area health insurance coverage and care for all members will be provided at Cost Level 3, and the POS (point of service) provisions will be eliminated. The Minnesota Advantage Health Plan service area will include all Minnesota counties as well as counties in border states, with the specific boundaries initially established by MMB and any changes thereafter mutually agreed to by the JLM.

DENTAL INSURANCE - Effective January 1, 2024

Annual Maximum dental benefit payable will increase from $2,000 to $2,200.
Dental Insurance premium increase 5% in 2024.
Beginning 1/1/2024, employee contribution for single dental premium coverage will be set at 30% (instead of a flat $13.50) and the Employer contribution will be 70% of premium of dental plan. For 2024, the employee’s single dental premium cost will be $13.48.
If an employee elects dental benefits on their own policy, dollars spent when employee was a dependent on another policy shall not be applied toward the orthodontia lifetime maximum.

Paid-up life insurance will increase from 15% to 20%: Employees with optional life insurance for self and spouse will receive paid-up life insurance policy equal to 20% of smallest amount of optional coverage during the 5-year period prior to retirement or age 65, whichever is later.

Employee’s monthly premium rate for single medical coverage will increase 3% (+$1.16) from $38.50 per month in 2023 to $39.66 per month in 2024.
Employee’s monthly premium rate for family medical coverage will increase 3% (+$7.88) from $262.66 per month in 2023 to $270.54 per month in 2024.

Employee’s monthly premium rate for single dental coverage will be $13.48 per month in 2024 (employee’s cost for single dental coverage in 2023 is $13.50 per month).
Employee’s monthly premium rate for family dental coverage will increase 5% (+$2.08) from $55.40 per month in 2023 to $57.48 per month in 2024.

Employee’s monthly premium rate for single vision coverage will decrease 14.99% ($0.86) from $5.76 per month to $4.90 per month in 2024.
Employee’s monthly premium rate for family vision coverage will decrease 14.99%
(-$2.48) from $16.54 per month in 2023 to $14.06 per month in 2024.

Optional Life insurance, Spouse and Child Life Insurance - No change in employee’s monthly cost for premium in 2024.

Short Term Disability Insurance - 6.8% decrease in employee’s monthly premium in 2024.
Long Term Disability Insurance - 7.4% decrease in employee’s monthly premium in 2024.