Office of Student Health Benefits
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(612) 624-0627
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Twin Cities Campus
2010-2011 School of Dentistry
Resident and Fellow Health Benefits

Welcome School of Dentistry residents and fellows! As of spring 2010, the Office of Student Health Benefits at the University of Minnesota will administer health benefits and enrollment for School of Dentistry residents and fellows.

Email and U.S. mail correspondence related to your benefits will come from the Office of Student Health Benefits. Please add umshbo@umn.edu to your email address book to ensure you receive our emails and bookmark this web page.

Please note, the School of Dentistry Resident and Fellow Health Benefits plan year will now coincide with the academic year, July 1 to June 30. This change will affect the timing of plan deductibles and out-of-pocket maximums.

Open Enrollment

Open enrollment for 2011 Flexible Spending Accounts for Medical School residents and fellows is November 1 to November 30, 2010. Please see the section titled Flexible Spending Account at the bottom of this web page for more information on FSA enrollment.

Open enrollment for School of Dentistry Resident and Fellow Health Benefits is May 1 to June 15. All residents and fellows starting or continuing residencies or fellowships in 2010 will receive a 2010-2011 enrollment packet at the mandatory dental residents meetings on April 27th and 29th or in the U.S. mail from the Office of Student Health Benefits in early May. If you have not received your packet by May 15, 2010, please contact our office.

All eligible residents and fellows must complete the enrollment process by June 15, 2010, or within 14 days of their start date, whichever is later.

Enrollment Packet Contents:


For those nearing the end of their residency or fellowship—please submit all COBRA election forms at the same time to avoid delays in processing:


Once an applicant’s eligibility is verified by the Office of Student Health Benefits, enrollment will be processed. Plan members will see a charge for the plan on their student account at the beginning of each term. Member ID cards will be sent to the plan member by U.S. mail approximately three weeks after enrollment. Cards will be mailed to the “current U.S. mail address” on record with the University. To update your address, go to: One Stop > Quick Links > Student Records > Personal Information.

Residents and fellows who choose dental coverage through Delta Dental of MN must complete an enrollment form during open enrollment 2010. If you choose not to participate in the dental plan at this time you will not have the opportunity to enroll for coverage until open enrollment in 2012.

Long Term Disability: Guardian Life

Automatic enrollment for School of Dentistry residents and fellows
Effective July 1, 2010, Guardian Life Insurance Company will provide long term disability insurance for School of Dentistry residents and fellows. (For those continuing their residency or fellowship, this is a change from the previous provider Northwestern Mutual.) Enrollment cost for residents and fellows, will be on your student account at the beginning of each term. Guardian offers School of Dentistry residents and fellows up to $3,000 per month of individual coverage. In addition, Guardian offers a Student Loan Payoff benefit effective if you become disabled while you are a resident.

To ensure your complete and accurate understanding of several important new benefit enhancements, the Office of Student Health Benefits has authorized two Guardian Disability Insurance Specialists to contact University of Minnesota residents and fellows. These specialists are under the direction of Guardian’s Director of Disability Operations, Dale Forsythe. Your contact information is being made available to Dale so that he can make arrangements to provide group and individual informational meetings for residents and fellows soon. Please watch for email and web updates regarding these meetings. http://www.umndisabilitybenefits.com

After Completion—Guaranteed Standard Issue Plan: Optional enrollment

We strongly encourage all School of Dentistry residents and fellows who are completing their residencies and fellowships this spring to contact Dale Forsythe as soon as possible. You have an opportunity to obtain guaranteed disability coverage for life, which is extremely valuable and rare.

Quick Information Request Form:

Name:

Email: Phone:

 

You have invested hundreds of thousands of dollars in tuition, fees, and books—and an incredible amount of time—in your education. Through Guardian you have an opportunity to protect that investment should you become disabled. Included in Guardian’s coverage is the opportunity for School of Dentistry residents and fellows to convert to an individual disability policy that you own and take with you—with no medical underwriting—upon completion of your residency or fellowship. This plan offers benefits of up to $3,000 per month should you become disabled. The University is extremely pleased to offer this one-of-a-kind Guaranteed Standard Issue Plan option. University of Minnesota School of Dentistry residents and fellows have the opportunity to enroll in the Guaranteed Standard Issue Plan six months prior to the completion of your residency or fellowship—regardless of any pre-existing medical conditions. 25-30 percent of residents and fellows would not otherwise qualify for this type of coverage due to pre-existing medical conditions. For more information, please contact Guardian Disability Insurance Specialist Dale Forsythe at (612) 746-2206, or Dale_forsythe@glic.com.

Medical: HealthPartners

Required enrollment for School of Dentistry residents and fellows
2010-2011 HP Enrollment brochure including Quick Reference Chart (PDF)
2010-2011 HP Summary of Benefits: Basic Option (PDF)
2010-2011 HP Summary of Benefits: Basic Plus Option (PDF)
All residents and fellows are required to have health insurance. HealthPartners will provide health plan network and claims administration services for residents and fellows. (For those continuing their residency or fellowship, this is a change from the previous provider BlueCross and BlueShield.) HealthPartners, in alliance with CIGNA, gives members access to 650,000 healthcare providers and 6,500 hospitals across the United States. You will have a choice of two plans, Basic or Basic Plus. All residents and fellows are required to enroll in one of the two plans for at least single coverage, or provide documentation of other comparable health benefit coverage to the Office of Student Health Benefits. If you have other health insurance coverage, you must complete a waiver form.

NEW! Access your HealthPartners Member ID anytime, anywhere with our new mobile application for your smart phone. Just log on to m.healthpartners.com from your smart phone. This great new feature allows you to view both medical and dental insurance cards as soon as it’s issued by HealthPartners, so you don’t have to wait for it to arrive in the mail.

Cost of Medical Coverage: Health Partners

The School of Dentistry contributes $257.00 to each resident/fellow health plan. Below is the cost to the resident/fellow after the School of Dentistry’s contribution.

  Basic Cost
Per Month
Basic Plus Cost Per Month
Primary Member
$37.80
$82.60
Primary Member and Child
$448.90
$571.40
Primary Member and Spouse /Same-sex Domestic Partner
$643.00
$802.90
Primary Member and Children
$768.60
$952.80
Primary Member and Family
$865.60
$1,113.00

 

Emergency Travel Assistance (MEDEX): Automatic enrollment for School of Dentistry residents and fellows enrolled in HealthPartners
School of Dentistry residents and fellows and their dependents who enroll in this HealthPartners plan are automatically enrolled in emergency travel insurance through MEDEX, a leading provider of international travel assistance services. Enrollment is no cost to School of Dentistry residents and fellows, as it is paid for by your department. Members and their dependents traveling 100 or more miles away from home and outside of their home country, have emergency medical, travel, and personal security assistance 24 hours a day, anywhere in the world. From finding an English-speaking doctor to replacing a prescription, MEDEX has the resources and experience to offer rapid coordination and monitoring of medical care while you are abroad.

COBRA Medical: Optional enrollment for School of Dentistry residents and fellows (and dependents) enrolled in HealthPartners
COBRA Continuation coverage will switch from BCBS to HealthPartners as of July 1, 2010. School of Dentistry residents and fellows and their dependents who enroll in this HealthPartners plan are automatically eligible for Continuation of coverage through COBRA at the end of their residency or fellowship. Continuation coverage must be with the same plan option you had as of the date of coverage termination. You do not need to prove that you are insurable to obtain continuation coverage. COBRA coverage is identical to the coverage provided under the plan to similarly situated active residents and fellows, and their eligible dependents. You and your dependent(s) who elect continuation coverage may change coverage options during any open enrollment period that the plan has while you are covered by continuation coverage. Those who were previously enrolled in the BCBS health plan and who are completing their residency or fellowship are also eligible.

Dental: Delta Dental of MN

Optional enrollment for residents and fellows (and dependents)
2010-2011 Delta Dental information including Quick Reference Chart (PDF)
Delta Dental of MN provides a fully insured dental program for School of Dentistry residents and fellows. Delta Dental members have access to both PPO and Premier providers. The level of benefits are determined by which network is utilized. (For those continuing their residency or fellowship, this is not a change in dental insurance provider.)

COBRA Dental: Optional enrollment for School of Dentistry residents and fellows (and dependents) enrolled in Delta Dental of MN
School of Dentistry residents and fellows and their dependents who enroll in the Delta Dental plan are automatically eligible for Continuation of care through COBRA at the end of their residency or fellowship. Continuation coverage must be with the same plan option you had as of the date of coverage termination. You do not need to prove that you are insurable to obtain continuation coverage. COBRA coverage is identical to the coverage provided under the plan to similarly situated active employees, and their eligible dependents. You and your dependent(s) who elect continuation coverage may change coverage options during any open enrollment period that the plan has while you are covered by continuation coverage.

Flexible Spending Account

Optional enrollment for residents and fellows
2011 Flexible Spending Account information page (PDF)
Health Care FSA Changes for 2011 (PDF)
2011 Flexible Spending Account Enrollment Form (PDF)—due 11/30/10

Open enrollment for 2011 Flexible Spending Accounts (FSA) runs from November 1 to November 30, 2010. If you would like to take advantage of the FSA program in 2011, you must submit your enrollment form to the Office of Student Health Benefits before November 30, 2010. Failure to enroll during open enrollment will result in the loss of eligibility to enroll in FSA until the next open enrollment period.

Residents and fellows are eligible to participate in two types of Flexible Spending Accounts (FSAs), the U of M Health Care Reimbursement Account and the Dependent Care Reimbursement Account. Both programs allow you to pay for related expenses using pre-tax dollars.

For additional information, visit the Employee Benefits website at http://www.umn.edu/ohr/benefits/fsa or contact Terry Super, FSA administrator, at (612) 626-1555 or super001@umn.edu.

Please note, current residents and fellows are only eligible to enroll in Flexible Spending Accounts as of January 1, 2011 or with a qualifying event. Incoming residents and fellows are eligible as of their date of hire.

 


Notices

06/06/11 Email: June 15 deadline...health benefits
05/19/11 Email: Spouse/resident/intern... schedule meeting
04/15/11 Email: Reminder to schedule a meeting
02/01/11 Email: Disability Benefits Enrollment
11/15/10 Email: 2011 FSA Reminder
11/04/10 Email: 2011 FSA
05/24/10 Email: COBRA Enrollment
05/24/10 Email: Open Enrollment
05/19/10 Email: New disability benefits
05/07/10 Email: Open Enrollment
04/27/10 Email: Important benefit changes

Coverage Dates

Academic Year 2010-2011
Type of Coverage
Dates
Medical, Dental
7/1/10 – 6/30/11
Disability
7/1/10 – 6/30/11
FSA
1/1/11 – 12/31/11

Contact Us

Eligibility Questions
Office of Student Health Benefits
University of Minnesota
410 Church Street S.E., N323
Minneapolis, MN 55455
Phone: (612) 624-0627 or 1-800-232-9017
Fax: (612) 626-5183 or 1-800-624-9881
Email: umshbo@umn.edu

Guardian Disability Insurance Questions
Dustin Peltier
Phone: (612) 746-2348
Email: dustin_peltier@fosterklima.com
Michael Prazich, DDS
Phone: (612) 746-2365
Email: michael_n_prazich@glic.com
http://www.umndisabilitybenefits.com

Dental Coverage Questions
Delta Dental of MN
Phone: 651-406-5916 or 800-553-9536
http://www.deltadentalmn.org

Medical Coverage Questions
HealthPartners
Phone: 952-883-7500 or 866-270-5434
http://www.healthpartners.com/uofmrf

COBRA Coverage Questions
Eide Bailly
Phone: (952) 944-6633 or (800) 300-1672
Email: cobra@eidebailly.com
http://www.eidebailly.com

Emergency Travel Assistance Questions
MEDEX
Phone: 1-800-527-0218
Email: info@medexassist.com
MEDEX Member Website

Flexible Spending Account
Terry Super, FSA Administrator
Phone: (612) 626-1555
Email: super001@umn.edu
http://www.umn.edu/ohr/benefits/fsa

Cancel Coverage

Cancellation of Coverage Form (PDF)