1. HEALTH INSURANCE INFORMATION
Directions: To advance to next slide click left mouse button, to view previous slide click the right mouse button.

2. Health Insurance Sanford Health through NDPERS
Effective 1st of month following date of employment
Cards will be mailed to your home
Two options, Dakota Plan and High
Deductible Health Plan (HDHP)
Dakota Plan
$ 1, per month Single/Family Premium
paid by UND
High Deductible Health Plan
$ 1, per month Single/Family paid by UND
─ Actual premium is less than Dakota Plan
─ Remaining portion goes into a Health
Savings Account for the employee to use
to pay out -of-pocket medical expenses
The UND health insurance provider is Blue Cross & Blue Shield of ND. UND Pays $ per month for a single or family policy. Coverage is effective the 1st of the month following the month of employment. Your insurance cards will be mailed to your home from the Fargo Blue Cross Office. 38

3. Health Insurance Eligibility
Benefited employee, spouse & dependents
Must enroll within 31 days of employment or 31 days of involuntary loss of other health insurance or wait for open enrollment period
Dependents are covered until age 26
Married dependents are not eligible to enroll their spouse or children
If you are claimed as a dependent on someone else’s taxes, are covered by Medicare or a Flexible Spending Account, you are not eligible to enroll in a High Deductible Health Plan.
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35

4. Out of Pocket Expenses

5. Health Savings Account (HSA)
Your Health Savings Account allows you to set aside pre-tax dollars to pay for qualified medical expenses for yourself, your spouse and your dependents.
HSA’s are available only to those employees who are enrolled in a High Deductible Health Plan (HDHP)
Enrollment is automatic with selection of HDHP
Contributions are tax-free
Earnings are tax-free
Withdrawals are tax free when made for eligible medical expenses
Balances can be carried over from year to year. The Use It Or Lose It rule does not apply
HSAs are portable if you change jobs
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35

6. Contributions to an HSA
NDPERS will make monthly employer contributions totaling $921.60/year for single coverage and $2,230.56/year for family coverage
You may make additional contributions to fund your account at any time
Contribution limits for 2017 are $3, for single and $6, for family
Sanford Health , the HSA Plan Administrator, will send information to you on how to make additional contributions, access your HSA account and how to submit claims for reimbursement
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35

7. Which Plan is Right for You?
Detailed information regarding the Dakota Plan, HDHP and HSA is available at:
NDPERS website at
Click on the active member link on the left side of the page
Contact Sanford Health at
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35

8. Wellness - Health Club Credit
Employees and their eligible spouse can earn up to a $20 credit monthly for visiting a participating health club a minimum of 12 days a month
Must have insurance contract number to sign up
Must enroll & renew online each January
Ask at your local health club if they participate
Employees and their eligible spouse can earn points toward incentive prizes in this online program. Sanford Health will send information regarding sign up
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35

9. Contact Information
Contact Sanford Health regarding health insurance cards & specific coverage /claim questions at
Contact the Payroll Office:
Phone:
The Human Resource website contains all the position openings (both internal/external and NDUS positions), as well as the NDUS HR policy manual, all the forms that you may need, the Faculty Handbook and a lot more information.
Please make time to review the website and in particular, review the NDUS HR policy manual so that you are familiar with the policies and procedures that are followed here on campus. 35