Time is running out to earn health insurance premium savings

Are you among the 60 percent of City employees who still haven’t completed the 2012 My Health Rewards program? Continued procrastination could mean that you’ll find yourself paying more for your health insurance premium next year than the employees who completed the program.

Employees who don’t complete the program by the deadline will pay up to $360 more for single coverage and up to $1,200 more for family coverage than the folks who finish the program. Even if you completed the program last year, you still need to do it again to earn the preferred premium contribution rate in 2013.

Although the deadline is Aug. 31, don’t wait until the last minute to begin the process! It’s a good idea to leave yourself enough time to make sure you get it all done in time.

To qualify for the lower premium and earn gift cards, you must:

  1. Complete the Personal Health Profile (health assessment).
  2. Complete eight health topics and set eight personal goals.
  3. Complete two phone calls with a health coach if you are invited by Medica to participate in health coaching.

How to access the My Health Rewards program

Sign onto www.mymedica.com and click on the Health and Wellness tab. The Benefits website has instructions for logging on. If this is the first time you’re signing in this year, be sure to have your Medica ID card on hand in case you need to register. Once you’ve registered, simply follow the prompts to complete your health profile. Once you’ve finished your health profile, you can work on the health topics and goals.

About the My Health Rewards Program

The My Health Rewards by MedicaSM is a health and wellness program that encourages Medica members to increase their understanding of their health risks and strengths and make changes to improve their health. The program is administered by an independent contractor, and your individual answers are not shared with either Medica or the City of Minneapolis. The program has three elements.

  1. Personal health profile: Completing your health assessment takes about 10 minutes and asks basic health questions that are used to generate a personalized health profile report which provides a snapshot of your health and highlights opportunities for improving your health. Once you have completed the assessment, you will earn a $20 gift card.
  2. Health topics: The next step in the program is completing eight topics and setting eight personal goals related to those topics. You are not required to complete your goals — just set them. There are a wide variety of topics to choose from. Topics range from stress management to diabetes warning signs, finding the right doctor to staying on weight management goals while dining out. When you have completed eight health topics and set eight goals, you will earn a $40 gift card.
  3. Health coaching: This segment of the program is only required for people who are invited by Medica to participate. Individuals who are invited to health coaching must complete two phone calls with a health coach to qualify for the lower premium. However, anyone who wants to take advantage of this service is welcome to participate. Folks who finish the health coaching program will earn a $75 gift card once they have completed the entire program. Completing the health coaching program requires more than two phone conversations and typically takes four to six months.

How to track your health topic progress

Folks who set health topic goals last year will notice that Medica’s website has saved the goals you set last year. To verify that you’ve completed eight health topics in 2012 and ensure you qualify for the lower premium rate in 2013, track your progress on Medica’s website. When you are in www.mymedica.com (under Health and Wellness tab), click on Progress to see a list of your Plan Year Progress.

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Published Jul. 18, 2012