Health Insurance & Benefits
- Health Insurance Health Reimbursement Arrangement (HRA/VEBA)
- Dental Insurance
- Group Life and AD&D Insurance
- Supplemental Life and Dependent Life Insurance
- Long Term Disability (LTD) Insurance
- Flexible Spending Account (FSA)
- $300 single/$600 family deductible/$30 copay plan
- $1500 single/$3000 family deductible plan
A brief comparison of benefits can be found in the Insurance Benefits Guide.
As of June 1, 2018, PreferredOne is mailing Explanation of Benefits (EOBs) directly to enrolled dependents who are age 13+, at their home address or other address of record. Employees, the subscribers, through whom any dependents are enrolled in health coverage, will no longer receive their dependents’ EOBs via mail and will no longer have access to them through PreferredOne’s website. The subscriber can request permission from the dependent(s) to receive and view the dependent’s EOBs and other health information.
PreferredOne continues to enhance our website functionality, in particular our process for the distribution of explanation of benefits (EOBs) for enrolled dependents age 13 and older. With these improvements, EOBs and other health coverage and claim and pharmacy information, is available directly to dependents age 13+.
Contact your PreferredOne Representative with questions.
A Health Reimbursement Arrangement (HRA) is an employer-funded account that is designed to reimburse employees for qualified medical expenses that are paid for out-of-pocket. HRAs are designed to operate with a high deductible health plan thereby reducing premium costs. For the Brooklyn Center District you are eligible for the HRA if you choose the health insurance option with the $1500 single/$3000 family deductible. The District will fund your HRA account with one half of either the single or family deductible amount depending upon whether you selected single or family coverage. You can then use these funds to not only pay for unreimbursed medical expenses but also unreimbursed dental and vision expenses as well.
Provided by Delta Dental of Minnesota. Spouse and unmarried dependent children under the age of 26 are also eligible. Employees may enroll for coverage the first of the month following the date of hire. Diagnostic and preventive services are covered at 100% while most other services are covered at 80% or 50%. Please refer to the Insurance Benefits Guide for more information.
This benefit is $50,000 of life insurance coverage provided to employees only. You are eligible for coverage the first day of the month coinciding with or next following your date of hire. This is a term life policy and therefore it has no cash value. An AD&D (accidental death and dismemberment) schedule of benefits for loss of life or limb(s) can be found in the Insurance Benefits Guide.
Employees are eligible to fund a medical and/or dependent childcare FSA account if working 30 hours or more per week at the District. This account is funded entirely by the employee with pre-tax dollars. Employees may fund up to $2,650 in a health account and/or $5,000 in a dependent childcare account. The monies in these accounts are used to pay for eligible medical expenses (including some over-the-counter medications) or childcare expenses utilizing pre-tax dollars. For more detailed information on what expenses are eligible for reimbursement please refer to the Insurance Benefits Guide.
Go to PreferredOne.com, click on register, enter username and password in the upper right hand corner. For more information, click here.