Choose your program below to find information and forms for the 2023-2024 Residents, Fellows, and Interns (RFI) Health Plan.
Graduate Medical Education Residents, Fellows, & Interns
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Health Benefits
Blue Cross and Blue Shield of Minnesota (Blue Cross) provides the health plan network and claims administration services for your health plan.
You are required to enroll in one of the two plans for at least single coverage or provide documentation of other comparable health insurance to the Office of Student Health Benefits. If you have other health insurance, you must complete a waiver form (found below) and provide a certificate of coverage from your health insurance provider. Approved waivers are valid for two years.
Health Plan Information
- Plan Comparison Chart (pdf)
- Enrollment Brochure (pdf)
- Summary Plan Description – Basic Option (pdf)
- Summary Plan Description – Basic Plus Option (pdf)
Enrollment, Change & Waive Forms
- New & Current Residents & Fellows: Medical Plan Enrollment & Change Form (pdf)
- New & Current Residents & Fellows: Health Insurance Waiver Request (pdf)
- Completing Residents & Fellows: COBRA Medical Plan Enrollment & Change Form (pdf)
Health Plan Rates
Rates effective July 1, 2023 through June 30, 2024.
| Cost of Health Plan to Resident/Fellow per Pay Period | Basic Option | Basic Plus Option |
|---|---|---|
| Resident/Fellow Only | $23.38 | $58.47 |
| Resident/Fellow + Spouse | $156.76 | $296.44 |
| Resident/Fellow + Child | $119.89 | $225.86 |
| Resident/Fellow + Children (2 or more children) | $180.74 | $341.71 |
| Resident/Fellow + Family (spouse + 1 or more children) | $218.82 | $425.83 |
The rates for health coverage for residents and fellows in job codes 9554, 9555, 9556, and 9559 are automatically deducted on a pre-tax basis.
The rates for health coverage for residents and fellows in job codes 9568, 9569, 9582, and 9583 are automatically deducted on a post-tax basis.
Dental Benefits
The University of Minnesota offers dental benefits through Delta Dental of Minnesota.
Dental Plan Information
- Dental Plan Description (pdf)
- Summary of Benefits (pdf)
- Dependent Eligibility Definition
- Make Changes to Coverage
Enrollment & Change Forms
- New & Current Residents & Fellows: Dental Plan Enrollment & Change Form (pdf)
- Completing Residents & Fellows: COBRA Dental Plan Enrollment & Change Form (pdf)
Dental Plan Rates
Rates effective July 1, 2022 through June 30, 2023
| Type | Cost per pay period |
|---|---|
| Resident/Fellow only | $10.51 |
| Resident/fellow and family* | $30.94 |
*Family = resident/fellow + dependent(s)
The rates for dental coverage for residents and fellows in job codes 9554, 9555, 9556, and 9559 are automatically deducted on a pre-tax basis.
The rates for dental coverage for residents and fellows in job codes 9568, 9569, 9582, and 9583 are automatically deducted on a post-tax basis.
Life Insurance
Basic Life: Automatic enrollment for Medical School residents and fellows
Supplemental Life: Optional for Medical School residents and fellows (and dependents)
Life Insurance Information
- Life Insurance Website
- Life Insurance Handout (pdf)
- Dependent Eligibility Definition
- Certificate of Coverage (pdf)
Enrollment, Change, & COBRA Forms
- New & Current Residents & Fellows: Life Insurance Enrollment & Change Form (pdf)
- Completing Residents & Fellows: COBRA Continuation of Coverage Enrollment Form (pdf)
Flexible Spending Accounts
The University of Minnesota’s Employee Benefits department manages Flexible Spending Accounts for the resident and fellow health plan. Open enrollment for 2023 Flexible Spending Accounts (FSA) runs from November 1 to November 30, 2022 or within 14 days of your start date, whichever is later.
FSAs allow you to pay for eligible expenses using pre-tax dollars. More details about submitting expenses and Spending Account Cards can be found on the Office of Human Resources Flexible Spending Accounts website.
Disability
Group short- and long-term disability: Automatic enrollment for Medical School residents and fellows
Individual disability policy: Optional for Medical School residents and fellows
Disability Benefits Information
- Disability Benefits Brochure (pdf)
- Long-Term Disability Certificate (pdf)
- Disability Options After Completion (pdf)
Making a Claim
To submit a short- or long-term disability claim during your residency or fellowship, please send an email to the Office of Student Health Benefits at [email protected] and request paperwork for a future claim or leave.
Individual Disability Policy
The University of Minnesota is extremely pleased to offer this one-of-a-kind Guaranteed Standard Issue (GSI) plan from Foster Klima. This plan allows you to convert the group disability insurance you had as a resident or fellow to an individual disability policy, regardless of any pre-existing medical conditions.
Guaranteed Standard Issue Enrollment
You may enroll in this guaranteed standard issue option anytime during and up to 90 days after completion of your residency or fellowship.
For more information, or to schedule a meeting, contact the representative assigned to your department.
| Department | Representative |
|---|---|
| Dermatology; Family Medicine & Community Health; Neurology; Obstetrics, Gynecology & Women’s Health; Pediatrics | Heather Bantle
|
| Anesthesiology; Diagnostic Radiology; Medicine: Advanced Cardiovascular Imaging, Advanced Heart Failure & Transplant Cardiology, Advanced Interventional Cardiology & Research, Cardiovascular Disease, Clinical Cardiac Electrophysiology, Gastroenterology, Gastroenterology-Advanced ERCP/EUS, Hematology & Medical Oncology, Interventional Cardiology, Interventional Pulmonology, Lung Transplant, Preventive Cardiovascular Medicine, Structural Heart Diseases & Advanced Interventional Cardiology, Vascular Medicine & Peripheral Vascular Catheter-Based Interventions; Neurosurgery; Orthopaedic Surgery; Rehabilitation Medicine; Radiation Oncology; Transplant Hepatology; Surgery; Urology | Joe Barwick
|
Endocrinology, Diabetes & Metabolism; Forensic Psychiatry; Infectious Disease; Internal Medicine; Laboratory Medicine & Pathology; Nephrology; Ophthalmology & Visual Neurosciences; Otolaryngology, Head & Neck Surgery; Psychiatry; Pulmonary Disease & Critical Care Medicine; Renal Transplant; Rheumatology St. Cloud Family Medicine | Dustin Peltier Allyson Peltier |
| Duluth Family Medicine | Erik Bohn 612-746-2385 [email protected] |
Changes to Coverage
Forms
- Medical Plan Enrollment & Change Form (pdf)
- Health Insurance Waiver Form (pdf)
- Dental Plan Enrollment & Change Form (pdf)
- Minnesota Life Supplemental Life Insurance Enrollment & Change Form (pdf)
- Cancellation Request Form (pdf)
Coverage Changes
To make changes in your benefits coverage after you are first eligible or outside of the annual open enrollment period, you must have a change in family or work status. You must make your request for a change in your coverage, consistent with the family status change, within 30 days of the date of change. After the 30-day window, you will need to wait until the next available open enrollment period to make changes.
Family status changes include:
- Change in legal marital status, including marriage, divorce, or annulment
- Death of your spouse or last eligible dependent child
- Birth or adoption of your eligible dependent child
- Change in last dependent child's eligibility because of age
- Commencement or termination of employment for you, your spouse, or dependent
- Change in your or your spouse's employment status from part-time to full-time, or from full-time to part-time
At any time during the year, you can make the following changes:
- Add spouse to life insurance, subject to underwriting, up to a maximum of $150,000
- Add or increase employee additional life insurance, subject to underwriting, up to $300,000
- Add or increase child life insurance, subject to underwriting, up to $25,000
- Update your beneficiary on your life insurance plan
Help and Contact Information
School of Dentistry Residents, Fellows, & Interns
Go to:
Health Benefits
Blue Cross and Blue Shield of Minnesota (Blue Cross) provides the health plan network and claims administration services for your health plan.
You are required to enroll in one of the two plans for at least single coverage or provide documentation of other comparable health insurance to the Office of Student Health Benefits. If you have other health insurance, you must complete a waiver form (found below) and provide a certificate of coverage from your health insurance provider. Approved waivers are valid for two years.
Health Plan Information
- Plan Comparison Chart (pdf)
- Enrollment Brochure (pdf)
- Summary Plan Description – Basic Option (pdf)
- Summary Plan Description – Basic Plus Option (pdf)
Enrollment, Change & Waive Forms
- New and Current Residents and Fellows: Medical Plan Benefits Enrollment & Change Form (pdf)
- New & Completing Residents & Fellows: Health Insurance Waiver Request (pdf)
- Completing Residents & Fellows: COBRA Medical Plan Enrollment & Change Form (pdf)
Health Plan Rates
Rates effective July 1, 2023 through June 30, 2024.
| Cost of Health Plan to Resident/Fellow per Month | Basic Option | Basic Plus Option |
|---|---|---|
| Resident/Fellow Only | $45.42 | $113.61 |
| Resident/Fellow + Spouse | $310.11 | $585.45 |
| Resident/Fellow + Child | $237.22 | $446.81 |
| Resident/Fellow + Children (2 or more children) | $355.56 | $673.18 |
| Resident/Fellow + Family (spouse + 1 or more children) | $425.16 | $827.39 |
Billing
The cost for your health coverage is billed on your student account, and is divided up as follows:
- Your summer account will be billed for two months of coverage (July and August).
- Your fall account will be billed for five months of coverage (September through January).
- Your spring account will be billed for five months of coverage (February through June).
Dental Benefits
The University of Minnesota offers dental benefits through Delta Dental of Minnesota.
Dental Plan Information
- Dental Plan Description (pdf)
- Summary of Benefits (pdf)
- Dependent Eligibility Definition
- Make Changes to Coverage
Enrollment & Change Forms
- New & Current Residents & Fellows: Dental Plan Enrollment & Change Form (pdf)
- Completing Residents & Fellows: COBRA Delta Dental Enrollment & Change Form (pdf)
Dental Plan Rates
Rates effective July 1, 2023 through June 30, 2024
| Type | Cost per month |
|---|---|
| Resident/Fellow only | $22.78 |
| Resident/fellow and family* | $67.03 |
*Family = resident/fellow + dependent(s)
Flexible Spending Accounts
The University of Minnesota’s Employee Benefits department manages Flexible Spending Accounts for the resident and fellow health plan. Open enrollment for 2023 Flexible Spending Accounts (FSA) runs from November 1 to November 30, 2022 or within 14 days of your start date, whichever is later.
FSAs allow you to pay for eligible expenses using pre-tax dollars. More details about submitting expenses and Spending Account Cards can be found on the Office of Human Resources Flexible Spending Accounts website.
Disability
Foster Klima provides group long-term disability coverage to School of Dentistry residents and fellows.
Group long-term disability: Automatic enrollment for School of Dentistry residents and fellows
Individual disability policy: Optional for School of Dentistry residents and fellows
Disability Benefits Information
- Disability Benefits Brochure (pdf)
- Long-Term Disability Certificate (pdf)
- Disability Options After Completion (pdf)
Making a Claim
To submit a short- or long-term disability claim during your residency or fellowship, please send an email to the Office of Student Health Benefits at [email protected] and request paperwork for a future claim or leave.
Individual Disability Policy
The University of Minnesota is extremely pleased to offer this one-of-a-kind Guaranteed Standard Issue (GSI) plan from Foster Klima. This plan allows you to convert the group disability insurance you had as a resident or fellow to an individual disability policy, regardless of any pre-existing medical conditions.
Guaranteed Standard Issue Enrollment
You may enroll in this guaranteed standard issue option anytime during and up to 90 days after completion of your residency or fellowship.
For more information, or to schedule a meeting, contact the School of Dentistry Foster Klima representatives, Dustin Peltier at 612-746-2348 or [email protected] or Allyson Peltier at 612-746-2227 or [email protected].
Changes to Coverage
Forms
- Medical Plan Enrollment & Change Form (pdf)
- Health Insurance Waiver Form (pdf)
- Dental Plan Enrollment & Change Form (pdf)
- Cancellation Request Form (pdf)
Coverage Changes
To make changes in your benefits coverage after you are first eligible or outside of the annual open enrollment period, you must have a change in family or work status. You must make your request for a change in your coverage, consistent with the family status change, within 30 days of the date of change. After the 30-day window, you will need to wait until the next available open enrollment period to make changes.
Family status changes include:
- Change in legal marital status, including marriage, divorce, or annulment
- Death of your spouse or last eligible dependent child
- Birth or adoption of your eligible dependent child
- Change in last dependent child's eligibility because of age
- Commencement or termination of employment for you, your spouse, or dependent
- Change in your or your spouse's employment status from part-time to full-time, or from full-time to part-time
Help and Contact Information
College of Veterinary Medicine Residents, Fellows, & Interns
Go to:
Health Benefits
Blue Cross and Blue Shield of Minnesota (Blue Cross) provides the health plan network and claims administration services for your health plan.
You are required to enroll in one of the two plans for at least single coverage, or provide documentation of other comparable health insurance to the Office of Student Health Benefits. If you have other health insurance, you must complete a waiver form (found below) and provide a certificate of coverage from your health insurance provider. Approved waivers are valid for two years.
Health Plan Information
- Plan Comparison Chart (pdf)
- Enrollment Brochure (pdf)
- Summary Plan Description – Basic Option (pdf)
- Summary Plan Description – Basic Plus Option (pdf)
Enrollment, Change & Waive Forms
- New & Current Residents & Interns: Health Plan Enrollment & Change Form (pdf)
- New & Current Residents & Interns: Health Insurance Waiver Request (pdf)
- Completing Residents & Interns: COBRA Health Plan Enrollment & Change Form (pdf)
Health Plan Rates
Rates effective July 1, 2023 through June 30, 2024.
| Cost of Health Plan to Resident/Intern per Pay Period | Basic Option | Basic Plus Option |
|---|---|---|
| Resident/Intern Only | $23.38 | $58.47 |
| Resident/Intern + Spouse | $156.76 | $296.44 |
| Resident/Intern + Child | $119.89 | $225.86 |
| Resident/Intern + Children (2 or more children) | $180.74 | $341.71 |
| Resident/Intern + Family (spouse + 1 or more children) | $218.82 | $425.83 |
The rates for medical coverage for residents and interns in job codes 9541, 9548, and 9549 are automatically deducted on a pre-tax basis.
Dental Benefits
The University of Minnesota offers dental benefits through Delta Dental of Minnesota.
Dental Plan Information
- Dental Plan Description (pdf)
- Summary of Benefits (pdf)
- Dependent Eligibility Definition
- Make Changes to Coverage
Enrollment & Change Forms
- New & Current Residents & Fellows: Dental Plan Enrollment & Change Form (pdf)
- Completing Residents & Fellows: COBRA Dental Plan Enrollment & Change Form (pdf)
Dental Plan Rates
Rates effective July 1, 2023 through June 30, 2024
| Type | Cost per pay period |
|---|---|
| Resident/Intern only | $10.51 |
| Resident/intern and family* | $30.94 |
*Family = resident/intern + dependent(s)
The rates for dental coverage for residents and interns in job codes 9541, 9548, and 9549 are automatically deducted on a pre-tax basis.
Flexible Spending Accounts
The University of Minnesota’s Employee Benefits department manages Flexible Spending Accounts for the resident and fellow health plan. Open enrollment for 2023 Flexible Spending Accounts (FSA) runs from November 1 to December 2, 2022, or within 14 days of your start date, whichever is later.
FSAs allow you to pay for eligible expenses using pre-tax dollars. More details about submitting expenses and Spending Account Cards can be found on the Office of Human Resources Flexible Spending Accounts website.
Disability
Foster Klima provides group long-term disability coverage to College of Veterinary Medicine residents and interns.
Group long-term disability: Automatic enrollment for College of Veterinary Medicine residents and interns
Individual disability policy: Optional for College of Veterinary Medicine residents and interns
Disability Benefits Information
- Disability Benefits Brochure (pdf)
- Long-Term Disability Certificate (pdf)
- Disability Options After Completion (pdf)
If you have questions or want more information, contact Guardian’s Director of Disability Operations, Ernest Draper at 612-746-2272, or [email protected] You can also learn more on Foster Klima's website.
Making a Claim
To submit a long-term disability claim during your residency or internship, please send an email to the Office of Student Health Benefits at [email protected] and request paperwork for a future claim or leave.
Individual Disability Policy
The University of Minnesota is extremely pleased to offer this one-of-a-kind Guaranteed Standard Issue (GSI) plan from Foster Klima. This plan allows you to convert the group disability insurance you had as a resident or intern to an individual disability policy, regardless of any pre-existing medical conditions.
Guaranteed Standard Issue Enrollment
You may enroll in this guaranteed standard issue option anytime during and up to 90 days after completion of your residency or internship.
For more information, or to schedule a meeting, contact the College of Veterinary Medicine Foster Klima representatives, Dustin Peltier and Allyson Peltier. Dustin can be reached at [email protected] or 612-816-1901 and Allyson can be reached at [email protected] or 612-746-2227.
Changes to Coverage
Forms
- Medical Plan Enrollment & Change Form (pdf)
- Health Insurance Waiver Form (pdf)
- Dental Plan Enrollment & Change Form (pdf)
- Cancellation Request Form (pdf)
Coverage Changes
To make changes in your benefits coverage after you are first eligible or outside of the annual open enrollment period, you must have a change in family or work status. You must make your request for a change in your coverage, consistent with the family status change, within 30 days of the date of change. After the 30-day window, you will need to wait until the next available open enrollment period to make changes.
Family status changes include:
- Change in legal marital status, including marriage, divorce, or annulment
- Death of your spouse or last eligible dependent child
- Birth or adoption of your eligible dependent child
- Change in last dependent child's eligibility because of age
- Commencement or termination of employment for you, your spouse or dependent
- Change in your or your spouse's employment status from part-time to full-time, or from full-time to part-time