Medical Insurance
UND offers fully-paid medical insurance premiums as well as dental and vision insurance options.
NDPERS Medical Insurance Plans
UND offers fully-paid health insurance premiums for both single and family plan (basic or high-deductible insurance options are available). Enrollment must take place within 31 days of hire date to receive waiver of existing medical condition. UND medical insurance provides group hospital, surgical and medical protection.
New employee coverage becomes effective on the first day of the month following your date of employment.
Health Plans Comparison
High-Deductible PPO and Basic Plans
You pay the costs until you meet your deductible, then co-insurance of 20%.
Dakota Plans
| Co-Pay/Insurance | Dakota PPO | Dakota Basic |
|---|---|---|
| Co-Pay | Co-Pay paid by member for every visit. | |
| Co-Insurance | Co-Insurance paid by member until maximum is met. | |
| Physician Office Visits Co-Pay | $30 | $35 |
| Lab/X-ray Co-Insurance | 20% | 25% |
| Emergency Room Visits Co-Pay | $60 | $60 |
| Generic Prescriptions | $7.50 / 12% | $7.50 / 12% |
| Brand Name Prescriptions | $25 / 25% | $25 / 25% |
| Non-formulary Prescriptions | $30 / 50% | $30 / 50% |
Dakota Plan
Maximum paid by member during calendar year for specified services. Office visits, ER co-pay, and prescription drugs are not included.
High-Deductible
Deductible and co insurance maximums may be met by one or multiple family members. Employees that participate in the High Deductible Health Plan are automatically enrolled in the Health Savings Account
| Deductible | Dakota PPO | Dakota Basic | High-Deductible PPO | High-Deductible Basic |
|---|---|---|---|---|
| Individual Deductible | $500 | $500 | $2,000 | $2,000 |
| Individual Co-Insurance | $1,000 | $1,500 | $1,500 | $2,000 |
| Individual Maximum | $1,500 | $2,000 | $3,500 | $4,000 |
| Family Deductible | $1,500 | $1,500 | $4,000 | $4,000 |
| Family Co-Insurance | $2,000 | $3,000 | $3,000 | $4,000 |
| Family Maximum | $3,500 | $4,500 | $7,000 | $8,000 |
Rates
| Coverage | Monthly Rates | Temporary Leave & COBRA Rates |
|---|---|---|
| Single |
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| Family |
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BASIC HEALTH INSURANCE SUMMARY PLAN
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Heath Savings Account
High-Deductible Plan Rates
| Coverage | Monthly Rates | Temporary Leave & COBRA Rates |
|---|---|---|
| Single |
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| Family |
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High-deductible Health Insurance Summary Plan
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High-Deductible Plan Health Savings Account (HSA)
A Health Savings Account allows you to set aside pre-tax dollars to pay for qualified medical expenses for yourself, your spouse, and your dependents.
- HSA's are available to only those employees who are enrolled in a High Deductible Health Plan (HDHP)
- Enrollment is automatic with selection of HDHP
- Contributions are tax-free
- Earnings are tax-free
- Withdrawals are tax free when made for eligible medical expenses
- Balances can be carried over from year to year. The Use It or Lose It rule does not apply
- HSAs are portable if you change jobs
Employee that participate in the High Deductible Health Plan are automatically enrolled in the Health Savings Plan.
If you are claimed as a dependent on someone else's taxes, are covered by Medicare or a Flexible Spending Account, you are not eligible to enroll in an HSA.
Contact
- HSA - Contace Health Equity at 844.281.0429
- Dakota Plan, HDHP - Contact Sanford Health at 800.499.3416
Detailed information about HDHP and HSA Plans
Contributions to an HSA
- NDPERS will make monthly employer contributions totaling $1,435.44/year for single coverage and $3,472.32/year for family coverage.
- You may make additional contributions to fund your account at any time
- Contribution limits for 2026 are $4,400.00 for single and $8,750.00 for family
- Sanford Health, the HSA Plan Administrator, will send information to you on how to make additional contributions, access your HSA account and how to submit claims for reimbursement.
Medical Insurance Forms
Medical Plan and Contact Information
- Sanford Health or call 1.800.499.3416
- Sanford Health Provider Search
- NDPERS or call 1.800.803.7377
NDPERS Dakota Wellness Program
The NDPERS Dakota Wellness Program $250 Benefit is available for all eligible members and their covered spouses participating in the NDPERS group health insurance plan.
This benefit is taxable according to the Internal Revenue Service (IRS) memorandum #201622031 which advises that cash payments made to members for gym memberships and other cash-equivalent incentives (i.e. gift cards and prizes) for participation in a wellness program are taxable income. Contact your payroll department for details on how this benefit will be reported throughout your organization.