Your Employee Benefits - Minnesota's State Portal

Your Employee Benefits

2024

This document is current as of January 1, 2024.

Table of Contents

IMPORTANT NOTES: ................................................................................................................................................... 1

Introduction to your benefits ..................................................................................................................................... 1

Access to Benefit Information ..................................................................................................................................... 2

Medical coverage ........................................................................................................................................................ 3

Dental coverage ........................................................................................................................................................ 11

Vision plan................................................................................................................................................................. 13

Life insurance ............................................................................................................................................................ 13

Disability insurance ................................................................................................................................................... 16

Flexible Spending Accounts (FSA) or pre-tax benefits .............................................................................................. 18

Choosing your coverage as a new employee or newly eligible employee ............................................................... 21

Requirement to verify dependent eligibility............................................................................................................. 23

Default coverage ....................................................................................................................................................... 23

Medical Child Support Orders................................................................................................................................... 24

Changing coverage during Open Enrollment ............................................................................................................ 24

Changing coverage at other times ............................................................................................................................ 25

Continuation of your coverage ................................................................................................................................. 28

Dependent eligibility ................................................................................................................................................. 33

Annual notifications .................................................................................................................................................. 38

NOTICE OF INTENT TO COLLECT PRIVATE DATA........................................................................................................ 47

Medicaid and the Children¡¯s Health Insurance Program (CHIP) Offer Free or Low-Cost Health Coverage to Children

and Families .............................................................................................................................................................. 48

IMPORTANT NOTES:

The State of Minnesota expects to continue the State Employee Group Insurance Program (SEGIP) indefinitely.

However, it reserves the right to change or discontinue all or any part of the insurance programs or benefits,

consistent with the state¡¯s rights and obligations under the law and collective bargaining agreements. The State

Employee Group Insurance Program is not liable for insurance plans that may become insolvent.

This document is a summary only. Refer to each plan¡¯s Summary of Benefits/Certificate of Coverage for a complete

description of all benefits and exclusions. You may view summaries and certificates on the SEGIP website

mmb/segip. If there is any difference between this document and any Summary of Benefits/Certificates of

Coverage, the Summary of Benefits/Certificate of Coverage will govern.

The benefits available through SEGIP are provided through a governmental plan which is not subject to ERISA.

Introduction to your benefits

The benefits available through the State Employee Group Insurance Program (SEGIP) are carefully negotiated by

representatives of employee unions and the State. If you are not represented by a union, your employer may provide

you with the same benefits that represented employees receive.

A broad base of programs has been developed to ensure the future health and security of you and/or your eligible

family members. Benefits-eligible employees are eligible for the following insurance benefits and flexible spending

accounts (FSAs):

Basic Benefits

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employee medical insurance

employee basic life insurance

Optional Benefits

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family medical insurance

employee dental insurance

family dental insurance

employee vision care plan

family vision care plan

supplemental employee life insurance

spouse life insurance

child life insurance

employee accidental death and dismemberment insurance

spouse accidental death and dismemberment insurance

employee short-term disability insurance

employee long-term disability insurance

manager¡¯s income protection plan

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Optional Pre-tax and Flexible Spending Accounts (FSAs)

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Health and Dental Premium Account

Dependent Care Expense Account (day care)

Medical/Dental Expense Account

Transit Expense Accounts (work-related parking and mass transit)

An employee¡¯s payroll compensation must be able to support the per pay period premium deduction for the benefits

the employee elected. If their payroll compensation does not support the required contribution toward a benefit, the

employee may not be eligible for that benefit. In some instances, an employee may be billed and pay for coverages on

a post-tax basis until their payroll compensation is sufficient to support their payroll deductions for these coverages.

Access to Benefit Information

Personal Benefit Information

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selfservice

Use your 8-digit employee ID and password

Click Sign-in, Self Service, Benefits, Insurance, Benefits Summary

SEGIP website

Information about all insurance benefits is available on the SEGIP website mmb/segip. If you need assistance

to find a document or specific information, call SEGIP¡¯s Member Service Center at 651-355-0100 or email

segip.mmb@state.mn.us for help.

Medical and Dental plan materials

Each health or dental plan administrator manages or directs claims for the State Employee Group Insurance Program

(SEGIP). Each works closely with Minnesota Management and Budget (MMB) to prepare summaries and descriptions

of the plans. Medical and dental provider networks can be found on the SEGIP website or the websites of each health

or dental plan administrator.

Summaries of Benefits and Certificates of Coverage

Summaries of Benefits and Certificates of Coverage are legal documents that describe the plan benefits. They include

more details about your plan and benefits than this document contains. All Summaries of Benefits and Certificates of

Coverage are available on the SEGIP website.

Labor contracts and plans

Most state employees are covered by a labor contract (also called a collective bargaining agreement) or plan. These

contracts and plans help define many of the key provisions of SEGIP. For more information about your benefits, check

the contract or plan that covers your position. Most contracts and plans are available on the MMB home page

mmb.

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