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insurance

South Central Service Cooperative (SCSC) partners with several nationally known companies to provide a variety of standard and tailor-made insurance plans and services that are efficient and priced right. As the result of insurance pooling, specially negotiated rates are available to public and non-profit employers who become (are) members of the cooperative network. There are no membership fees for joining any of these insurance programs. 

Proposal & Forms

Please review the products and services listed below and in the Insurance Services Brochure, and call our contacts for details.

Contact

Larry IntVeld, 651-226-4365
Les Martisko, Ph.D., 507-389-1881

403(b) Compliance information posted for your awareness and convenience.

Voluntary Dental Insurance could lower benefit plan costs while adding a desired employee benefit. This is a voluntary program that allows groups to choose from three dental plans (two options each) and is offered through National Insurance Services and underwritten by Delta Dental of Minnesota.

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SCSC partners with BlueCross BlueShield of Minnesota (BCBSMN) to provide diabetes, cardiac and respiratory treatment programs.

BlueCross BlueShield of Minnesota
Whole Person Health SupportSM (PDF)

SelectAccount

A Flexible Spending Account (FSA) from SelectAccount is like getting a discount on many of the health-related items for which you are already paying. If your employer offers a SelectAccount FSA, you can set aside pre-tax dollars to spend throughout the year — stretching your dollar farther.

Eligible Medical Expenses (PDF)
HSA Fee and Interest Rate Schedule (PDF)
VEBA Direct Interest Rates (PDF)

SCSC partners with BlueCross BlueShield of Minnesota (BCBSMN) to provide a large variety of health plans to meet the needs of your employees.

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Retiree Reinsurance

Early retiree reinsurance update
Important information about the early retiree reinsurance program

Dependent Eligibility

Dependent Age 26 Legislation BCBSMN 2010
Dependent age scenarios

Imputed Tax on Premium

Client alert regarding Dependent 25 Imputed Tax
No more imputed income on health insurance premiums

Medicare Changes

Medicare and the new Health Care Law

Health Parity & Addiction

Wellstone and Domenici Health Parity and Addiction Act 2008
Details for the Health Parity and Addiction Act
News release for the Health Parity and Addiction Act

Health Insurance Exchange

Health Insurance Exchange Kaiser Family Foundation

Health Care Law

Health Care Law Developments and the Impact on Public Employers 

The Affordable Care Act

PCORI Taxes Memorandum 
July 2013 Announcement of One Year Delay (Bill Colopoulos)
Delay in Implementation of Employer Penalties (with notes from Mark Kinney)
The Affordable Care Act – Developments and Implications for Cities and Counties

SCSC’s public sector benefits representative, National Insurance Services (NIS), can customize a Group Life Insurance plan to meet your needs. NIS works with a variety of insurance carriers to ensure a seamless match to your bargained contracts.

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SCSC has partnered with ACSIA Partners, LLC to provide discounted quality LTC programs and LTC educational services to SCSC member groups.

Long-Term Disability (LTD) Insurance is a complicated product. SCSC’s LTD Insurance partner, National Insurance Services (NIS), is a public sector specialist that will help you align your benefit contracts with contract language and best practices for LTD insurance.

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Partnering with UCare and Medica, SCSC offers a variety of Medicare products for your retirees, including Medicare Part D, without a doughnut hole in the prescription coverage.

Work with SCSC and BCBS/Select Account to implement a VEBA (Voluntary Employees’ Beneficiary Association) account, HRA (Health Reimbursement Account), or HSA (Health Savings Account) to help manage your costs. You can contribute pre-tax dollars for your employees and retirees to a fund that can be used for current and future medical expenses. Many deductible or coinsurance options are available, and all plans offer preventive care benefits including physical exam provisions.

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Voluntary Vision Insurance from NIS and Ameritas Group

NIS and Ameritas Group offers you the choice of two plans. Each plan comes with options that offer different coverage levels and monthly premiums to meet the varying needs your employees.

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The South Central Service Cooperative Wellness and Health Promotion Program is designed as a tool by which to facilitate the improved overall physical, mental and social well-being of all member participants. 

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