Plan Rates

When you enroll in the MNPS Certificated Employee Health Plan — which bundles medical, dental, vision and hearing coverage into a single package — you pay 25% of the cost, and MNPS pays 75%.

Your share is deducted from your paycheck before taxes, which lowers your taxable income. The number of deductions each year depends on your work schedule, not how often you're paid:

If you work a 10-month schedule, you will have 22 premium deductions during the year.
If you work a 12-month schedule, you will have 26 premium deductions during the year.

2026-27 Coverage Premiums

The charts show your biweekly deductions for benefits coverage for the 2026-2027 school year (July 1 - June 30).

Health Plan Rates

Complete the Cigna health assessment by November 30 each year and you'll qualify for the lower rate shown in the table. If you skip the assessment, you pay the higher standard rate.

Coverage Level	Biweekly rate if you work a 10-month schedule	Biweekly rate if you work a 12-month schedule
Employee only	$181.71 with health assessment $218.07 without assessment	$153.75 with health assessment $184.52 without health assessment
Employee + spouse	$363.41 with health assessment $399.77 without health assessment	$307.50 with health assessment $338.27 without health assessment
Employee + child(ren)	$257.43 with health assessment $293.79 without health assessment	$217.82 with health assessment $248.59 without health assessment
Family	$441.12 with health assessment $477.48 without health assessment	$373.26 with health assessment $404.03 without health assessment

MNPS provides you with $50,000 in basic term life insurance and $50,000 in accidental death and dismemberment (AD&D) coverage at no cost to you. Coverage for your spouse and children depends on whether they're enrolled in your health plan.

If your dependents are enrolled in the Certificated Employee Health Plan, basic spouse and child life coverage is added automatically at the rates below.
If your dependents are not enrolled in the health plan, you can still elect this coverage — you'll pay the rates below on an after-tax basis.

Coverage Level	Biweekly rate if you work a 10-month schedule	Biweekly rate if you work a 12-month schedule
Employee only	$0	$0
Employee + spouse	$3.00	$2.31
Employee + child(ren)	$0.60	$0.46
Family	$3.60	$2.77

Supplemental Life and AD&D Rates

You can purchase additional life and AD&D coverage for yourself, your spouse and your children. You pay the full cost of any supplemental coverage you elect, and premiums are deducted after taxes.

Your rate is based on your age and how much coverage you choose. The table shows the monthly cost per $10,000 of coverage. For example, if you're 40 and elect $80,000 in supplemental life coverage, you'd pay $8 a month ($1.00 × 8). That amount is prorated across your paychecks throughout the year.

Insured's Age	Monthly rate per $10,000 in coverage
Under age 30	$0.70
Age 30-34	$0.80
Age 35-39	$0.90
Age 40-45	$1.00
Age 46-49	$1.30
Age 50-54	$1.90
Age 55-59	$3.50
Age 60-64	$5.20
Age 65-69	$9.80
Age 70 or older	$15.80

Disability Rates

Pre-Tax Premium Payment Program

Your health plan premiums are automatically deducted from your paycheck before taxes, which means you pay less in income taxes and Social Security taxes. You don't need to do anything to enroll in this arrangement.
One important limitation: Because of IRS rules, you generally can't change your coverage mid-year once you've enrolled. Exceptions apply if you experience a qualifying life event, such as marriage, divorce, the birth or adoption of a child, or a job change for you or your spouse.
If you want to waive the pre-tax deduction arrangement, contact Employee Benefit Services for a form, which must be submitted before year-end.

How the Health Plan Manages Costs

Using Network Providers

Doctors, hospitals and other providers in our plans' networks agree to charge pre-negotiated rates and meet quality standards. Staying in-network means lower costs for you and the plan.

Getting Care Approved in Advance

Some services — including planned hospital stays and certain outpatient procedures — require advance approval from Cigna before you receive care. If you use an in-network provider, they handle this process. If you go out of network, it's your responsibility to get approval before receiving care. Skipping this step for an inpatient stay will reduce your benefits, and the unpaid balance won't count toward your out-of-pocket maximum.

Medical Necessity Review

The plan covers services that are medically necessary — meaning care that's appropriate for your diagnosis, consistent with accepted medical standards and not provided solely for convenience. In-network providers are responsible for delivering medically necessary care or telling you when something won't be covered. If you go out of network, be sure to verify coverage with Cigna before receiving care.