Employee Open Enrollment for 2025 Benefits

View Medical Insurance Open Enrollment presentation

Preferred, Broad or High Deductible Plan

Choose the Preferred, Broad or High Deductible Plan. Choose Single, Employee + Spouse, Employee + Child(ren) or Family enrollment tier. Employee dependents and legally married spouse can be insured. Monthly premiums are decreasing for all employees depending on the plan and enrollment tier selected. A summary of the plans as well as the estimated 2025 rates are listed in the 2025 Employee Reference Guide. Refer to detailed Summary of Benefits Covered for each plan linked below or request a paper copy from your department PBTA.

• Look up whether your current provider is considered in network for the Preferred, Broad and High Deductible plans.  See Provider Network Access Look Up Instructions (PDF). 
• Look up your current prescriptions and determine the benefit level they will be for the Preferred, Broad and High Deductible plans.  See Medication Benefit Level Look up Instructions (PDF)

Resources

• BCBS Member Resource Guide (PDF)
• Preventative Care Recommendations (PDF)
• Insulin Member Cost Share (PDF)
• Call Blue Cross Blue Shield customer support with questions: 1-844-348-0582, Monday-Friday, 7 a.m. to 8 p.m. 

Broad Plan (Aware Network)

BCBS Benefits Plan Summary – Broad Plan (Aware Network)

The Broad Plan allows for the most access to health providers in the metro and across the nation.

High Deductible Plan (Aware Network)

BCBS Benefits Plan Summary – High Deductible Plan (Aware Network) 

Employees covered by another non-Ramsey County Health plan cannot enroll in the High Deductible Plan.

Preferred Plan (High Value Network)

• BCBS Benefits Plan Summary – Preferred Plan (High Value Network) (PDF)
• High Value Network Flyer (PDF)
• MN Care Systems in Aware and High Value Networks (PDF)
• Aware Network Flyer (PDF)

Wellness incentive

2025

Blue Cross Blue Shield will provide up to $240 ($20/month, tax free) in electronic gift cards to each enrolled employee and spouse who participate in qualified wellness activities. You must claim your rewards before Dec. 31, 2024 or your incentive will be lost. You can start again Jan. 1, 2025 and participate again in 2025. See the Blue Care Advisor document for enrollment and participation details.

View Dental Open Enrollment presentation

Choose the Select or Open Plan. Choose Single, Employee + Spouse, Employee + Child(ren) or Family enrollment tier. Employee dependents and legally married spouse can be insured. Monthly premiums are decreasing for most enrollment tiers. View a summary of the plans here. (PDF).  Refer to detailed Summary of Benefits Covered for each plan linked below or request a paper copy from your department PBTA.

To verify whether your current provider is considered in-network for the Select and Open plans, please go to the MetLife website and search the PDP Plus network.

Select plan

• Summary of Benefits Covered – Select Plan (PDP Plus Network) (PDF)

The Select plan increases the annual benefit maximum from $1,200/person to $2,000/person with similar deductibles. The Select Plan provides out of network orthodontia coverage at 50%, up to $1,000 per person.

Open Plan (PDP Plus Network)

• Summary of Benefits Covered – Open Plan (PDP Plus Network) (PDF)

The Open plan provides the same deductible and coverage level for out of network dentists as in-network dentists, accommodating employees who want to continue treating with a HealthPartners dentist or other out of network dentist. The Open plan provides out of network orthodontia coverage at 50%, up to $1,000 per person.

Resources

• Call MetLife Customer Support at 1-800-GET-MET8
• Find a Dental Provider - PDP Plus (PDF)
• Dental PPO Booklet (PDF)
• MetLife Mobile App Flyer (PDF)

View Lifestyle Benefits presentation

2025 rates remain the same. The optional supplemental life insurance maximum for employees will be $750,000 and to $500,000 for spouses. Evidence of insurability may be required. During open enrollment, there will be a one-time opportunity to elect or increase supplemental life coverage without Evidence of Insurability. Employees may elect up to $10,000 (not to exceed $100,000 when combined with current coverage) and Spouses may elect up to $5,000 (not to exceed $50,000 when combined with current coverage). Elections must be in $1,000 increments.

Lifestyle benefits are available to all employees and their families at no additional cost including beneficiary counseling, will preparation, and travel assistance. Explore options online.

Resources

• Why Life Insurance is Important
• Have you elected a beneficiary
• Do I need to answer health questions?

Extra features

Minnesota Life continues to offer several attractive features as enhancements to the county’s life insurance plan.  These Lifestyle benefits include, beneficiary financial counseling, will preparation, and travel assistance.  They are available at no additional cost to covered employees and their families. You can read more about these features in the Employee Reference Guide on page 19.

Adjusting coverage amounts

If you are requesting additional amounts of spouse optional life insurance or optional coverage for yourself over the guaranteed issue amounts, you will need to print the Group Life Evidence of Insurability form, complete it, and fax or mail it to Minnesota Life for approval.

Madison National Life, with National Insurance Services as the plan administrator, will continue in 2025 as the long-term disability (LTD) and short-term disability (STD) insurance provider. There will be no plan design changes in 2025 and premiums will remain the same.  

Extra features

Identity theft protection is available at no additional cost through Madison National. You can read more about this in your Employee Reference Guide on page 25. 

Reviewing your plan

It's a good idea to review your Optional Long Term Disability and Short Term Disability election each year to see that you have adequate income protection. It's also good to review that the Short Term Disability you have selected has an appropriate elimination period based on the size of your sick leave bank.

Pre-tax plans allow you to pay eligible Health Care and Dependent Care expenses with dollars deducted from your salary before taxes are taken out (pre-tax dollars).The maximum contribution amounts for Ramsey County in 2025 are:

• Health Care $3200 - annually
• Dependent Care $5,000 - annually
• Parking $300 - monthly

Employees who enroll in the High Deductible Health plan with a Health Saving Account are only eligible to enroll in the Limited Purpose Flex Spending Account per IRS regulations. 

Carryover feature

The Ramsey County Cafeteria Plan allows for a carryover of unused Health Care FSA funds from one plan year to the next up to a maximum amount.

• Unused 2024 Health Care contributions will be carried over to 2025 up to $640.  You must be enrolled and making contribution in 2025 to be eligible for carryover.

Enrollment

Remember, if you want to participate or continue participation in the Pre-Tax Health Care or Dependent Care Reimbursement Programs, you must make a new election each year.   Your participation in these programs will terminate if you don't make an election. WEX has a dedicated phone line for employees who are not yet enrolled and have questions. Please contact WEX at 1/844-561-1337 with your pre-enrollment questions for 2025 plans. If you are already enrolled with WEX and have questions, please call 1/866-451-3399.

WEX Resources

• FSA Open Enrollment Video
• Virtual FSA Open Enrollment Fair
• Virtual HSA Open Enrollment Fair
• Benefits Technology & Resources Employee Handout
• Benefits Mobile App Employee Handout
• WEX Benefits Card Handout
• FSA Eligible Expenses Lookup Tool
• WEX FSA Store 
• WEX HSA Store