2025 City of Shakopee Employee Benefits Guide

HEALTH

HOW MY HEALTH CARE PLAN WORKS

THE PLANS Embedded Deductible: Each family member has an individual deductible in addition to the overall family deductible. Meaning if an individual in the family reaches his or her deductible before the family deductible is reached, his or her services will be paid by the insurance company. Non-Embedded Deductible: There is no individual deductible. So, the overall family deductible must be reached, either by an individual or by the family, for the insurance company to pay for services. The non-embedded deductible is most common in high deductible health plans. The city offers two high-deductible plans under each of our networks and one traditional plan under the Park Nicollet and Choice Passport networks. The city contributes 100 percent of the monthly Park Nicollet/Ridgeview ACO premium for single coverage on the HDHP and a smaller percentage for all other coverages. You then pay the plan difference. This is how they compare:

ONCE YOU’VE MET YOUR DEDUCTIBLE You continue to pay coinsurance and copays until you meet your out-of pocket-maximum. If there is more than one person in your plan, you may have to meet 2 party or family, as well as individual out-of-pocket- maximums. BEGINNING OF THE YEAR Medica pays for preventive care services throughout the year at no cost to you. You pay full cost or copays of certain services like office visits and urgent care. You pay for other medical costs until you reach your deductible.

1650/3300 HIGH DEDUCTIBLE

3300/6600 HIGH DEDUCTIBLE

TRADITIONAL

Annual Deductible

$1,650 per individual $3,300 2-party/ family

$3,300 per individual $6,600 2-party/family

$500 per individual $1,000 2-party/family

Embedded/ Non-Embedded

Non-Embedded

Embedded

Embedded

Coinsurance

In network, you pay 10% In network, you pay no more than: $2,500 per individual or $5,000 per family

In network, you pay 10% In network, you pay no more than: $3,700 per individual or $7,400 per family

In network, you pay 20% In network, you pay no more than: $2,750 per individual or $5,500 per family

Out-of-Pocket Maximum

Preventative Services Office Visits Prescription Medications List available at Medica.com

$0

$0

$0

You pay full cost of visit until you meet the annual deductible, then you pay coinsurance

You pay full cost of visit until you meet the annual deductible, then you pay coinsurance

$25 co-pay, which does not apply toward deductible Generic $10 Preferred $25 Non-preferred $50 Specialty preferred 20% coinsurance no more than $200

ONCE YOU’VE MET YOUR OUT OF-POCKET MAXIMUM(S) Medica pays for all other covered services. You won’t owe a thing.

Specialty Non preferred 40%

Health Care Accounts

Health Savings Account (HSA)

Health Savings Account (HSA)

Flexible Spending Account (FSA) Dependent Care FSA

Limited Purpose FSA Dependent Care FSA

Limited Purpose FSA Dependent Care FSA

END OF THE YEAR Your deductible and out-of-pocket cost reset for the next year.

6 | City of Shakopee 2025 Employee Benefits Guide