Wage Calculator and Premium Impacts

Wage Calculator

Calculate your own wage increases based on the proposed 2019-2021 contract. Results for July 1, 2019 are based on a 2.25% increase and results for July 1, 2020 are based on a 2.5% increase. 

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Enter hourly wage to see results.
July 1, 2019: $0.00
Step 1: $0.00
July 1, 2020: $0.00
Step 2: $0.00

Health Insurance Premium Impacts

Actual premium increases estimated for 2020-2021 MAPE contract:

 

2019 (current)

2020

2021

Single

$32.48

$35.08

$37.88

Family Cost

$221.62

$239.35

$258.49
  • No changes were made to the co-premium rates (5% employee and 15% family)
  • MAPE’s insurance premiums will increase by 8% in January of 2020 and estimated up to 8% in January of 2021.
  • While the cost of the premium in each calendar year will increase by 8%, only 5% of that amount for single coverage and 15% for family coverage is passed onto the employee.
  • Employees with single premium will experience a $2.60 per month increase or $31.18 increase over the course of 2020. Their increase will be $2.80 per month and $33.68 per year for 2021.
  • Employees with family coverage will experience a $17.73 per month increase or nearly $212.76 over the course of 2020. Their increase will be $19.14 per month or approximately $230 per year for 2021.

 

We've created this handy infographic to help clarify what the premium increases actually look like for our members. View infographic >>

 

2020 Minnesota Advantage Health Plan Schedule of Benefits
 

2020 and 2021 Benefit Provision

Benefit Level

1

The member pays:

Benefit Level

2

The member pays:

Benefit Level

3

The member pays:

Benefit Level

4

The member pays:

Deductible for all services except drugs and preventive care (S/F)

$150/300 $250/500

$250/500

$400/800

$550/1,100

$750/1,500

$1,250/2,500

$1,500/3,000

Office visit copay/urgent care (copay waived for preventive services)

1)   Having taken health assessment and opted-in for health coaching

2)   Not having taken health assessment or not having opted-in for health coaching

1)  $25

2)  $30

1) $30

2) $35

1)  $30

2)  $35

1) $35

2) $40

1)  $60

2)  $65

1) $65

2) $70

1)  $80

2)  $85

1) $85

2) $90

In-Network Convenience Clinics and Online Care (deductible waived)

$0

$0

$0

$0

Emergency room copay

$100

$100

$100

N/A – subject to Deductible and 25% Coinsurance to OOP maximum

Facility copays

  • Per inpatient admission (waived for admission to Center of Excellence)
  • Per outpatient surgery

$100

$60

$200

$120

$500

$250

N/A – subject to Deductible and 25% Coinsurance to OOP maximum

N/A – subject to Deductible and 25% Coinsurance to OOP maximum

Coinsurance for MRI/CT scan services

5%

10%

10%

15%

20%

25%

N/A – subject to Deductible and 25% Coinsurance to OOP maximum

30%

Coinsurance for services NOT subject to copays

5% (95% 10% (90% coverage after payment of deductible)

5% (95% 10% (90% coverage after payment of deductible)

20% (80% coverage after payment of deductible)

25% for all services to OOP maximum after deductible

Coinsurance for durable medical equipment

20% (80% coverage after payment of 20% coinsurance)

20% (80% coverage after payment of 20% coinsurance)

20% (80% coverage after payment of 20% coinsurance)

25% for all services to OOP maximum after deductible

Copay for three-tier prescription drug plan

Tier 1:  $14 18

Tier 2:  $25 30

Tier 3:  $50 55

Tier 1:  $14 18

Tier 2:  $25 30

Tier 3:  $50 55

Tier 1:  $14 18

Tier 2:  $25 30

Tier 3:  $50 55

Tier 1:  $14 18

Tier 2:  $25 30

Tier 3:  $50 55

Maximum drug out-of-pocket limit (S/F)

$800/$1,600

$1,050/2,100

$800/$1,600

$1,050/2,100

$800/$1,600

$1,050/2,100

$800/$1,600

$1,050/2,100

Maximum non-drug out-of-pocket limit (S/F)

$1,200/$2,400

$1,700/3,400

$1,200/$2,400

$1,700/3,400

$1,600/$3,200

$2,400/4,800

$2,600/$5,200

$3,600/7,200

 

View Insurance Plan Design Changes >>