Retirement: Medical

• When you retired and became eligible to continue your participation in SEGIP’s Retiree Plans, your eligible dependents were also able to maintain coverage.
• Please note that if you and your dependents are all under age 65, you must all enroll in the same plan with the same plan administrator. If you and your spouse or dependents are in different age groups (one is age 65 or older; one is under age 65) or you have other insurance eligible dependents under age 65, you must select plans appropriate by age group. Both age appropriate plans must be offered by the same plan administrator.

A spouse who was covered by the state’s retiree plans at the time of the retiree’s death may continue participation in SEGIP indefinitely.

• If you have maintained coverage for a dependent child who reaches age 26, contact SEGIP prior to their 26th birthday to ensure that a COBRA offer will be provided to your dependent.
  
  
• If you divorce after retirement, contact SEGIP to provide this information and inquire about continuation options no later than 60 days from the date of divorce.

The Minnesota Advantage Health Plan is available in all counties of Minnesota. It is also available in counties that border the state in North Dakota, South Dakota, Iowa and Wisconsin.

Blue Cross and Blue Shield of Minnesota and HealthPartners offer the Advantage Plan in all counties of Minnesota.

Anyone with the Minnesota Advantage Health Plan can get routine care no matter where they live or travel. Just go to a health care provider within your HealthPartners or Blue Cross national network. Call the number on the back of your ID card for the most current national providers. The out-of-area care schedule of benefits outlines how the care is covered. You’ll notice that it’s similar to what you’d pay at a cost level 3 primary care clinic in Minnesota.

The Minnesota Advantage Health Plan is the medical benefits program for all retirees and dependents under age 65. 

• Summary of Benefits - This document provides a description of the medical coverage available to SEGIP members through the Minnesota Advantage Health Plan.
  
• Schedule of Benefits - A chart outlining benefits, coverages, and copay amounts.
  
• FAQ – Related SEGIP Participants - These FAQs have information for family members who are each eligible for their own individual SEGIP benefits, but are interested in being covered under one family policy.

• This pilot program aims to reduce health risks and promote effective management of diabetes.
• Adult participants diagnosed with type I or type II diabetes will receive high-value medical services associated with diabetes for reduced costs or no copays.
• There is no enrollment process and reduced copays occur when visits or diabetic medications or testing supplies are received.
  

For the most complete and up to date information about the state sponsored senior plans, visit the Plan Summaries and Certificates page.
The state sponsors senior plans offered by both plan administrators:

• Blue Cross and Blue Shield of Minnesota offers the Coordinated Plan
  
• HealthPartners offers HealthPartners Medicare Group Solution

You may receive information about other plans offered by some of the same insurance companies or plan administrators that offer the plans we have just listed. Be cautious. Plans not listed are not state sponsored. If you enroll in a plan that is not state sponsored, you forfeit your membership in the State Employee Group Insurance Program (SEGIP) and will never be able to re-enroll in the state group medical insurance.

The Advantage plan administrator that you have in place when you turn age 65 determines the senior plan that you will be eligible to enroll with for the remainder of that year. 

All SEGIP senior plans are coordinated with Medicare Parts A, B, and D for people age 65 or older. Medicare-eligible retirees and spouses age 65 and older are required to enroll in Medicare Part A (hospital insurance) and Part B (medical services from doctors and other providers, including clinic visits, outpatient care and home health care) in order to participate in the state’s group insurance plans. Enrollment in Medicare Part D (prescription drugs) is included with the state group plan administrator you have chosen for all medical benefits. Your enrollment in Part D will be coordinated through the plan administrator with which you participate.

CAUTION: Members enrolling in senior plans should not apply for or purchase Medicare Part D from another Part D insurance company for prescription drug coverage. 

Enrolling in Part D with an insurance company that is different from your SEGIP plan administrator will terminate participation in the state’s senior plans. If you purchase that coverage, you will permanently lose medical insurance coverage in the state’s retiree group!

Both Senior Plans are available in all counties of Minnesota.

For members age 65 and greater who live outside the state of Minnesota and the eligible border counties of Wisconsin, the Blue Cross and Blue Shield of Minnesota Coordinated Plan and the HealthPartners Medicare Group Solution can provide your coverage. The Coordinated Plan and the HealthPartners Medicare Group Solution plan are both available to members whose permanent residence is outside the state of Minnesota and the surrounding Wisconsin counties.