Health Insurance

  • New employees may enroll for medical benefits online at EASECENTRAL.  Your policy begins on your first day of work.  Enrollment after 27 days is only allowed with a Qualifying Event or at open enrollment. All employees will be required to make open enrollment changes on EASECENTRAL.  Current coverage will continue unless a change is made.  At open enrollment, you can add/ remove dependents, move from single to family plans, or cancel coverage effective for October 1st, 2020.


    STMA offers employees single or family health insurance with multiple plan choices.  Here is the summary of plan benefits.  All plans are provided by BlueCross BlueShield of MN using their Aware Network of doctors, clinics and hospitals or their ACCESS-Limited Network of doctors, clinics and hospitals.  Deductibles are calendar year with a 4th quarter carryover for VEBA, HSA, and Hybrid plans(not eligible for MVP plans).


    VEBA PLAN $1850/$3700 is a high deductible health insurance plan combined with a health reimbursement account. The VEBA Health Savings account is employer funded only.  Here is the summary of plan benefits for VEBA.   Benefit Booklet for VEBA.  Here is the summary of plan benefits for ACCESS-LIMITED VEBA.

    HSA PLAN $3375/$6750 and MVP PLAN $6350/$12700 plan are high deductible health insurance plans combined with a H.S.A (Health Savings Account). This allows for employer and employee funding of the HSA account. Here is the summary of plan benefits for HSA.  Benefit Booklet for HSA.  Here is the summary plan of benefits for MVP.  Benefit Booklet for MVP.   

          Calendar year Maximum to contribute to H.S.A (Employee plus Employer funds)  

    •     2020: Single $3550  Family $7100 (Catch up allowed for employees 55 and over of $1000)
    •     Form required to elect or change your HSA 

    HYBRID PLAN $3375/$6750 is a high deductible health insurance plan allows for VEBA and HSA combination.  Here is the summary of plan benefits for HYBRIDBenefit booklet for HYBRID 


    FIND AN AWARE or ACCESS Doctor/Clinic/HospitalContact Kevin Zachman, of Zachman Insurance agency at 763-497-2430 or Emily Nordmann, Benefits Coordinator at or 763-497-6546.


Resources with BCBS


    Doctor on Demand is a service with BCBS of MN -See a doctor 24/7, anytime! Download the App from Google Play or App Store

    Save Money with Vitals SmartShopper 

    Employees and family members currently enrolled in one of STMA BlueCross BlueShield medical insurance plans can save money by shopping for certain health care services and procedures.  

    Learn more at vitalssmartshopper online at 

    Get Fit. Get Rewarded.  2 Ways To Save!

    Enroll in Blue365 through your BlueCross BlueShield online account.  Find the Fitness Your Way section to find a gym near you.  Get that monthly membership for only $29.95!  Sign up for Sharecare through your BlueCross BlueShield online account.  Sharecare is an online app that can track your days of fitness.  No need to have a gym membership.  To qualify for a gift card, you need to track 21 days of activity on the platform.  


    Omada is a digital lifestyle change program to help users learn how to lower your chances of heart disease, type 2 diabetes, lose weight, and stay healthy for life.  Learn more.


    LearnToLive is a free online program available to some Blue Cross and Blue Shield of Minnesota members and their families (age 13 or older) who are covered by employer health plans.  Many people do not get help for mental health because access to treatment is limited and expensive, LearnToLive is there to help.   * You’ll need a code from your employer to get started.

    Nurse Advice Line

    When you need professional medical advice, the 24-Hour Nurse Advice Line gives reassurance anytime, day or night. It’s part of your Blue Cross and Blue Shield of Minnesota health plan through St Michael-Albertville ISD 885 at no additional cost to you.  When you use the 24-Hour Nurse Advice Line, especially trained registered nurses help you get the right care at the right time. If the situation can be safely resolved at home, the nurses will tell you how — step by step. If you need medical attention, the nurses can help you choose when and where to be treated.  They’re ready to help and it can save you money.  Help when you are not sure what to do for you and your family.  Call, 1-800-622-9524, Nurse Advice line, available 24 hours.