Health Benefits

To take care of your health and make sure you get the care you need when you get sick, get to know the Carleton College suite of health benefits!

 

HealthPartners Medical Insurance

Carleton’s two group health insurance plans are provided through HealthPartners. Both plans include preventive care covered at 100%. The two plans have a wide network in the Carleton College and twin cities area, but provide out-of-network coverage with higher out-of-pocket costs. Premiums are shared between Carleton and the employee.

2017 Premiums | 2018 Premiums2018 Non-Tax Dependent Premiums

Blue – High deductible health plan offering preventative and catastrophic coverage with an employer-funded health savings account (HSA). Drugs are covered based on a percentage after your deductible has been met; however, there are some preventative medications that have a co-pay.

Maize – Traditional PPO plan with a copay for office visits and a deductible for other types of care. You may participate in a Flexible Spending Account if you enroll in the Maize plan.

Please note we are in the process of updating Plan Documents for 2018. Please check with HR to confirm benefit levels for 2018 coverage. 

HealthPartners Info Guide | Mail Order Pharmacy | Member Support | Plan Documents and Forms

HSA

If you enroll in the Blue health insurance plan, you will receive a contribution from Carleton of in a Health Savings Account managed by Optum. You can also contribute your own use funds to pay for eligible medical, dental, or vision expenses. The total amount you can contribute is:

 
2017 Single
2017 Emp. +1 and Family
Carleton Contribution $1,000 $2,000  
Employee Contribution $2,400 $4,750  
Total $3,400 $6,750  
 
2018 Single
2018 Emp. +1 and Family
Carleton Contribution $1,000 $2,000  
Employee Contribution $2,450 $4,900  
Total $3,450 $6,900  

Employees over age 55 are able to contribute an additional $1000 per year. Your HSA can also be used an investment vehicle with a variety of mutual fund options.

Optum Website | List of Qualified Expenses | Plan Documents and Forms | NEW HSA Webinar Deck | HSA MasterCard Free ID Theft Protection Service

 

HSA & Medicare

Your HSA contributions from Carleton - and any additional amount you are contributing individually - will continue when you turn age 65 unless you notify HR that you are entitled to (enrolled in) Medicare, in which case they will stop. Optum's FAQ includes important resources, including information about your HSA and Medicare enrollment.

  

COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to continue group health benefits for limited periods of time under certain circumstances. At Carleton, eligible benefits include medical insurance, FSA, life insurance, and dental insurance. Once HR is notified of your coverage loss, a COBRA packet will be sent to your address by HR Simplified. You will have 60 days to enroll in continued coverage if you wish to do so.

HR Simplified | COBRA FAQ | Plan Documents and Forms 

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