Open Enrollment 2022 Benefits Enrollment Guide - Hennepin County
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Open Enrollment 2022 Benefits Enrollment Guide Enroll in 2022 benefits November 3-17, 2021
Welcome to 2022 open enrollment
Hennepin County benefits are an important part of your total rewards, which are designed to support
your physical, mental, social and financial well-being, as your needs change over time.
Open enrollment is November 3-17. This is your once-a-year opportunity to enroll in or make changes
to your benefit elections for next year.
You must actively make an election for 2022 benefits in APEX if you want to:
• Enroll in or change your health plans or coverage tiers
• Add an eligible family member
• Make a contribution to a health care expense, dependent care spending account or adoption
assistance account
• Cash out vacation or PTO that you will earn in 2022
• Change your supplemental life insurance or short-term disability coverage
If you don’t actively update your benefit selections by November 17, your 2021 benefits will roll over to
next year with the same plans at the same coverage level, except your health care expense account and
dependent care spending account contributions will default to $0. In addition, you will not be able to cash
out vacation or PTO that you accrue next year.
IMPORTANT! After the enrollment period closes on November 17, you will not be able to make changes
to your 2022 coverage unless you experience a qualifying event (e.g., birth or adoption of a child,
marriage/divorce, spouse’s loss of coverage, etc.).
Get started!
Review your current benefits summary in APEX
Step 1 Understand your current plan coverage and decide if you need to make changes for
next year.
Review this enrollment guide
Step 2
Learn what’s new for 2022 and review your benefit options.
Enroll
Step 3 Access APEX to elect and submit your 2022 benefit elections.
(Use the Edge browser for the best experience)
Update eligible dependents in APEX
If you need to add an eligible family member to your coverage for 2022, you must submit the required
verification documents to APEX in advance. You will not be able to enroll new dependents in your
benefit plans until the documentation has been received and verified. Learn more about who’s eligible
for coverage on hennepin.us/employees.
2022 Benefits Enrollment Guide | Page 2Medical
In 2022, you will continue to have access to the Advantage Plans (including the choice of three health
system networks) and the Standard Plan. All the plans are administered by PreferredOne.
Medical premiums will increase 3%-7% in 2022. Hennepin County continues to pay the majority of the
total premium costs, contributing 89%-93% for single coverage and 75%-85% for family coverage,
depending on the plan. Rates by plan and coverage tier for 2022 are available on the next page.
The terms of coverage for each plan for 2022 are unchanged from 2021.
Advantage Plans Standard Plan
Comprehensive medical Access to a network of physicians, hospitals, out-patient care, virtual visits,
coverage mental health care, prescription drugs and more
Premiums
The amount taken from your pay Lower Higher
for coverage
Provider network When you enroll, you choose your
You are subject to a higher preferred network: Access to a broader network of
deductible, coinsurance and out- • Hennepin Healthcare/NorthPoint preferred providers throughout the
of-pocket maximum if you • M Health Fairview/ seven-county area and greater
receive care out-of-network North Memorial Minnesota
• HealthPartners/Park Nicollet
Preventive care 100% coverage for in-network preventive visits
Annual deductible
HHC/Northpoint: $0
(in-network)
Based on Tiers 1/2/3:
Amount of medical and
All other Advantage networks: $300 Per person: $300/$350/$375
prescription costs that you are
per individual/ Per family: $600/$700/$750
responsible before copays apply
$600 per family
Copay With incentive: With incentive:
(after deductible) HHC/Northpoint: $0 $15-$40
All other Advantage networks: $15-$35
Without incentive: Without incentive:
HHC/Northpoint: $15 $30-$55
All other Advantage networks: $30-$50
Out-of-pocket maximum
(in-network)
The maximum amount you are $3,000 per individual/ $3,000 per individual/
responsible for before the plan $5,000 per family $5,000 per family
covers 100% of remaining
expenses for the year
Visit hennepin.us/employees for a full list of covered services, including copay and coinsurance amounts.
Find a provider: Visit the PreferredOne provider look-up to find a doctor near you.
Page 3 | 2022 Benefits Enrollment GuideEmployee cost per pay period
Advantage Plan Advantage Plan Advantage Plan Standard Plan
Hennepin Healthcare/ HealthPartners/Park M Health Fairview/
Coverage tier: NorthPoint Nicollet North Memorial
Single $9.97 $25.20 $25.20 $44.97
Single + spouse $132.74 $177.65 $177.65 $240.17
Single + children $101.67 $136.07 $136.07 $183.96
Family $137.06 $197.99 $197.99 $269.81
Save on copays!
Complete your health incentive and save $15 on office visit copays. When you (and your spouse, if
applicable) earn 3,000 wellness points, you will automatically qualify for the reduced copays. You must
earn your points each year by October 31 to receive the reduced copay for the following year.
You can earn points by completing a variety of activities, including tracking healthy habits, completing
7,000 steps in a day, joining a personal challenge, completing online Journeys, getting a preventive care
exam or health screening, visiting a gym, receiving a vaccination and more.
Visit member.virginpulse.com to register or log in.
2022 Benefits Enrollment Guide | Page 4Dental
In 2022, you will have the same dental plan option, with no changes to your coverage or premiums.
You receive higher benefits (Benefits Level 1) for your dental coverage when you see a provider in the
HealthPartners/Park Dental network. Benefit Level 2 provides access to a broader network of providers,
but you will pay a higher deductible and higher coinsurance costs on certain procedures.
Benefit Level 1 Benefit Level 2
Deductible $0 $25 per person / $75 family
Preventive care
100% coverage 100% coverage
Cleanings and X-rays
Basic restorative 60%-80% coverage,
60%-80% coverage
Fillings, root canals, oral surgery after deductible
Special care 50% coverage,
50% coverage
Crowns, dentures, implants after deductible
Orthodontics 50% coverage,
50% coverage
$2,000 lifetime maximum after deductible
Annual maximum $1,500 per person $1,200 per person
Employee cost per pay period
Per-pay-period cost*
Single $11.60
Family $25.96
*Union employees in AFSCME Council 34 (FF), AFSCME Local 1719 (RR), AFSCME Local 2822 (NN), and Teamsters General Services (HH)
have access to a separate dental plan with different plan rates.
Find a dentist: Use the HealthPartners look-up tool check if your dentist is in-network.
More information: Visit hennepin.us/employees for a full list of covered dental services and
coinsurance amounts.
Page 5 | 2022 Benefits Enrollment GuideVision
In 2022, you will have the same vision plan option through EyeMed, with no changes to your coverage or
premiums. The vision plan provides coverage for prescription glasses and contact lenses, as well as
discounts for other eye care needs.
Use the EyeMed provider look-up to find a network vision provider near you.
Important! Your eye exam is covered by your medical plan – not the vision plan. Please ensure your
vision provider for your eye exam is in your medical network. You also have the option to have your eye
exam completed by a different provider than who you use to fill your lens prescription.
Vision Plan
Frames $0 copay; $175 allowance 20% discount on costs above $175
Lens $25 copay
Single, bifocal, trifocal, lenticular
Progressive lens Standard: $60 copay; Premium lens: $110–$200 copay
Contacts $0 copay; $175 allowance 15% discount* on costs above $175
*Discount not available on disposable lenses
Employee cost per pay period
Per-pay-period cost
Single $2.34
Employee and spouse $4.44
Employee and children $4.62
Family $6.90
More information: Visit hennepin.us/employees for a full list of covered vision services.
2022 Benefits Enrollment Guide | Page 6Expense and spending accounts
Pre-tax expense and spending accounts, administered by P&A Group, provide unique ways to set aside
money for specific financial needs:
• Out-of-pocket costs for medical, dental and vision care
• Dependent care expenses (including child and/or elder care costs)
• Adoption expenses (including adoption and attorney fees, court costs and travel)
You may contribute to an expense or spending account via payroll deduction by making an irrevocable
election during open enrollment. Because contributions are made with before-tax dollars, the IRS puts a
limit on the annual contribution, as well as how much can be carried over to 2023 in case an expense or
spending account has a balance at the end of 2022.
Visit the P&A Group to view a detailed list of covered expenses and access tools to estimate your
contribution amount, based on your expected needs for next year.
Dependent care Adoption assistance
Health care expense account
spending account spending account
Expenses covered Medical, dental and vision expenses, Costs for dependent care while Adoption-related services
including: you are working, including: and costs, including:
• Deductible and copay costs • Daycare/nanny
• Adoption fees
• Prescriptions and over-the-counter • Before- and after-school
• Court costs
medications programs
• Attorneys’ fees
• Eyeglasses and contacts • Preschool
• Travel costs
• Braces • Eldercare
Amount $2,750
you can
Note: If you were enrolled in a Hennepin
contribute County medical plan with family coverage $5,000 $14,440
on January 1, 2021, you will receive the
remaining county contribution ($200) to
your health care expense account in 2022.
Can make changes Only with a qualifying
Only with a qualifying event* Only with a qualifying event*
mid-year event*
Roll over Up to $550 of unused funds Not applicable Not applicable
Deadline to incur
December 31, 2022 March 15, 2023 March 15, 2023
expenses
Claims deadline March 31, 2023 March 31, 2023 March 31, 2023
*A qualifying event includes a life change such as birth or adoption of a child, marriage/divorce, spouse’s loss of coverage, etc., and
must be relevant to the benefit change requested.
Page 7 | 2022 Benefits Enrollment GuideDisability
Disability coverage, underwritten by The Standard Life Insurance Co., is a benefit that replaces a portion of
your income if you are sick or injured due to a non-work-related incident and are unable to work for 7 or
more days. There are two types of disability coverage:
• Short-term disability: Optional insurance you can elect that replaces 60% of your pay, subject to
a weekly benefit limit, for 90 days, depending on the coverage you elect. You are responsible for
paying the premiums.
• Long-term disability: Hennepin County pays the full cost of long-term disability coverage, which
replaces 60% of your pay, subject to a monthly benefits limit, if your disability lasts beyond 90
days.
Short-term disability Long-term disability
You must elect coverage; enroll or change
Enrollment You are automatically enrolled
coverage at any time
You pay for coverage based on
Premiums the waiting period you select Hennepin County pays for coverage
• You select the waiting period
(7 days, 14 days, 28 days, or 45 days)
before your benefits begin paying
You must be disabled for 90 days before
Waiting period • The waiting period begins on the first
long-term disability begins
day of your disability
• You can use accrued sick/vacation time
or PTO to cover your waiting period
Until you are no longer disabled or
Benefit period Up to 90 days
until you reach age 65
60% of your base salary or wages, not to 60% of your base salary or wages, not to
Income replacement
exceed $2,000 per week exceed $10,000 per month
Note: You may enroll in short-term disability at any time, but if you are not currently enrolled or decline
coverage and later enroll, or if you elect a shorter waiting period, you are subject to a mandatory 60-day
waiting period for that year, regardless of the waiting period you select.
Employee cost per pay period
Look up your rates using the online tool.
More information: Visit hennepin.us/employees for details on how to enroll in or change short-term
disability coverage.
2022 Benefits Enrollment Guide | Page 8Life insurance
Hennepin County offers County-paid basic and employee-paid supplemental life insurance coverage so
you have the resources you need to protect loved ones in the event your death. You also have the option
to purchase additional coverage for yourself and/or your children.
Basic life insurance and AD&D: The amount of basic life insurance coverage is $50,000. This coverage
includes additional benefits in the event of your accidental death or if you experience a serious injury
(such as loss of limb).
Supplemental life insurance: You have the option to purchase additional life insurance coverage on your
life or the lives of your spouse or children. You may apply for supplemental or spousal coverage at any
time, but acceptance by the insurance company may require evidence of insurability.
Basic life insurance and AD&D Supplemental life insurance
Enrollment You are automatically enrolled You must elect coverage
Hennepin County pays for coverage You pay for coverage
Premiums
based on your age and coverage level
• Yourself: Up to $500,000*
• Basic life: $50,000
Coverage amount • Spouse/domestic partner: Up to $250,000**
• AD&D: Up to $50,000
• Children: $5,000-$15,000
*Amounts over $100,000 may require proof of good health, or “evidence of insurability.”
**Coverage cannot exceed 50% of amount you elect for yourself.
Employee cost per pay period
Look up your rates using the online tool.
More information: Visit hennepin.us/employees for details on how to enroll in or change
supplemental life insurance coverage.
Page 9 | 2022 Benefits Enrollment GuideRetirement program
Your retirement income will come from several sources. Understanding these income sources and what
they provide is important for achieving financial security during retirement.
Social Security: You and Hennepin County pay into Social Security each month. The benefit you receive
when you retire will depend on many factors, including how much you earn, how many years you work
and your age when you begin receiving Social Security benefits. Visit ssa.gov to learn more about Social
Security and review your Social Security statement.
Public Employees’ Retirement Association Plan (PERA): PERA is a public pension fund that you and
Hennepin County contribute to each pay period. If you become vested in your PERA benefits, you may
request distributions or payments from PERA according to the rules that apply to the type of plan in
which you participate. Visit the Hennepin County website for more information about contributions and
vesting.
Deferred Compensation Plan: This is a retirement savings plan that permits you to make additional
contributions of up to $19,500 per year, on a pre-tax basis, for retirement. Your contributions are invested
in mutual funds chosen by you and investment earnings are not taxed until you take distributions from
the plan during retirement. You also have the option to make post-tax contributions.
You have a choice of three plan administrators, each with a different line-up of investment options to
choose from. You can enroll or change your contributions at any time (to enroll, you must first create an
account with your preferred plan administrator, then enter your contributions in APEX).
Minnesota
Voya Financial Fidelity Investments
Retirement System
• View account: Voya • View account/enroll online: • View account: Minnesota
Create and/or
• Enroll by phone: Fidelity Retirement System
view your
612-342-3781 or • Enroll by phone: • Enroll by phone: 651-296-
account
612-342-3909 1-800-343-0860 2761, option 3
Contribution
$19,500 (Age 50 or older are eligible for $6,500 catch-up contribution)
limit
Contribution
Pre-tax or after tax Pre-tax or after tax Pre-tax or after tax
type
• 24 investment options • 21 investment options • 13 investment options
Investment
• 9 target date funds • 9 target date funds • 9 target date funds
Options
• 1 target income fund • 1 target income fund • 1 target income fund
• Investment management • Investment management • Investment management fees
fees vary by fund fees vary by fund vary by fund
Fees
• Recordkeeping fees based • Recordkeeping fees based • Recordkeeping fees based on
on account balance on account balance account balance
Each plan administrator has tools to help you discover how much retirement income is needed to support
you in retirement. After setting a savings goal, these tools can help you understand how you can reach
your goal, based on what you can afford, your current savings and your planned age at retirement.
2022 Benefits Enrollment Guide | Page 10Vacation/PTO cashout
If you expect to earn more vacation or PTO time next year than you plan to use, you have the option to
“cash out” up to 40 hours of excess time for a one-time payout. To receive the cash out in 2022, you must
elect the option during open enrollment November 3-17.
You must accrue vacation/PTO time in 2022 equal to or greater than the hours you elect for cashout
(banked hours before January 1, 2022 are not eligible). Payment is expected to occur in August. If you do
not have enough accrued vacation or PTO to cover the cash out, you will not receive payment.
Your cashout amount is based on your hourly wage as of the date of the cashout. To estimate the value of
your cash out hours, multiply your hourly wage by the number of hours you’ve chosen to cash out.
Commuter accounts
If you commute to a work location, you have access to commuting programs to help you save money.
Parking expense account
Save on taxes when you use the parking expense account to pay for your parking expenses while you are
at work:
• You must enroll during open enrollment to participate
• Set aside up to $270 each month to pay for parking in lots or at parking meters
• Reimbursement claims must be submitted withing 180 days of the expense
• You can change or stop contributions if you move or change job sites, work schedule, go on
vacation or if you experience an even that changes your parking costs.
MetroPass
The MetroPass is a pre-paid transit card that provides unlimited access to the bus or lightrail. The county
pays 50% of the cost and the remaining cost ($41.50 per month) is taken from your paycheck.
• Enroll in APEX by the 13th of the month (select Payroll, then Bus Card Deductions); your card will
be effective for the following month
• Eligible to be used for the employee only (not family members)
• You can suspend the card for up to three months at a time or cancel at any time
• You can load additional money on your card for fares over $3.25
Go-To Card
Go-To Cards provide maximum flexibility and ease of use and provides access to unlimited rides on buses
and trains for the duration of the pass. The county pays 50% of the cost. Choose a set amount to be
stored on your card each pay period:
• $10 stored value: pre-tax cost of $5 per paycheck
• $20 stored value: pre-tax cost of $10 per paycheck
• $30 stored value: pre-tax cost of $15 per paycheck
Visit hennepin.us/employee for more information on how to enroll.
Page 11 | 2022 Benefits Enrollment GuideMore information
Topic Resource
Benefit details Hennepin County benefits website
hennepin.us/employees
Enrollment APEX (click on the Open Enrollment tile November 3-17)
HR Service Center
General questions? hr.servicecenter@hennepin.us
612-348-7855
Preferred One
Medical & prescription drugs preferredone.com/hc
Advantage and Standard plans 763-847-4477
7 a.m.-7 p.m. Monday-Friday
HealthPartners
Dental 952-883-5000
7 a.m.-7 p.m. Monday-Friday
EyeMed
866-804-0982
Vision
6:30 a.m.-10 p.m. Monday-Saturday
10 a.m.-7 p.m. Sunday
Spending accounts
P&A Group
Includes health care expense padmin.com/hennepin-county
account, dependent care expense 1-833-752-9413
account, parking expense account, 7:30 a.m. – 9 p.m.
adoption assistance account
Hennepin County Leave
The Standard Life Insurance Co.
Disability and life insurance Administration Management (LAM)
1-833-878-8857
hr.servicecenter@hennepin.us
Virgin Pulse
Health incentive
member.virginpulse.com
PERA Fidelity (Plan No. 93811)
mnpera.org fidelity.com/atwork
651-296-7460 1-800-343-0860
Retirement plans
MNDCP VOYA
msrs.state.mn.us voyaretirementplans.com
651-296-2761, option 3 1- 800-262-3862
This guide is a summary of the Hennepin County benefits program. It highlights the main provisions of your benefit plans, which are
subject to the terms of the official Plan Documents and insurance policies and may be modified from time to time. A more comp lete
summary of all benefit plans is provided in the Summary of Benefits and Coverage. Where this summary and the official Plan
Documents vary, the official Plan Documents are the final authority. This guide (nor its related documents) is not an employm ent
contract or any type of employment guarantee and is not a guarantee of benefits.
2022 Benefits Enrollment Guide | Page 12You can also read
