NDPERS Dental Insurance Plan is offered through Delta Dental of Minnesota.
If your employer offers another dental insurance provider, such as Total Dental Administrator (TDA), ask your employer how to enroll in that program. You can only enroll with Delta Dental through NDPERS Member Self Service (MSS).
Life Insurance - Supplemental Dependent Coverage
You may enroll, increase or decrease your Supplemental Dependent Coverage (includes spouse and eligible children) without Evidence of Insurability (EOI) during annual enrollment. However, keep in mind, if you elect to modify your Supplemental Spouse coverage, you need to complete an EOI.
FlexComp: Medical and Dependent Care Flexible Spending Accounts (FSA)
This benefit helps you set aside money from your paycheck on a pre-tax basis to pay for medical and dependent care expenses. That means you do not have to pay federal tax, and in most cases, state income tax, or FICA taxes on those dollars, which means you have more money in your pocket!
When planning for the next year, you should take a look at your prior year's expenses to anticipate your future expenses. ASIFlex is our third party administrator for this benefit. Use their eligible expense list and savings calculator to make the most out of this benefit.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
The HDHP has higher annual deductibles; therefore, you will have higher out-of-pocket costs for medical services. However, the higher initial out-of-pocket costs may be offset by an employer contribution to an HSA created in your name.
The NDPERS HDHP has a cap on how much you will pay out-of-pocket during a year, and it covers preventive services (as designated by the Affordable Care Act (ACA)) with no out-of-pocket costs to you. The HSA helps cover medical expenses until your annual deductible and out-of-pocket maximum are met. Use the HSA FAQ to understand this plan better.
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