Medical, Dental & Pharmacy

Minnesota State University Moorhead offers a Group Insurance Program that includes health, dental, life, and disability coverage.

For complete and up-to-date insurance information, go to or call SEGIP (State Employee Group Insurance Program) at 651.355.0100. Benefits specialists there are ready to assist you.

The Minnesota Advantage Health Plan is the medical benefits program available for state employees. Choose from among three health insurance carriers: BlueCross BlueShield, Health Partners, or Preferred One. Each plan provides comprehensive health benefits, flexibility to make choices that best fit your needs, free preventive care services, a prescription drug program (CVS Caremark), low out of pocket expenses, and clinic locations throughout the state and bordering communities. Health insurance may be provided at a monthly cost to you and family coverage is also available.

Health Assessments are a valuable educational tool enabling employees to learn more about their personal health. They are offered annually and include a follow-up call from a health coach to offer specific action plans. A personalized, confidential report may be provided to employees, and reduced office visit copayments may be available for those who participate in the annual health assessment.

Choose from two Dental Carriers: Health Partners or the State Dental Plan (Delta Dental). Each plan provides comprehensive coverage for most conditions requiring dental diagnosis and treatment, including orthodontic treatment. All plans also cover a broad range of preventive services.

Dental insurance may be purchased as a new employee on an optional basis for yourself and your dependents. Dental is generally open every other year to enroll.

CVS Caremark is the pharmacy benefit manager (PBM) for the Advantage Health Plans regardless of the plan administrator under which you enroll. Your pharmacy benefit offers a high level of access to low cost, clinically effective medications. CVS Caremark has one drug formulary with three copay tiers. When you are prescribed formulary medications by your doctor, it will generally fall into one of these three tiers:

Tier 1: Includes mainly generic medications, but some brands. It is the best cost value for most drugs.

Tier 2: Includes preferred brand drugs and some generics; greater access to additional medication choices.

Tier 3: Includes more costly non-preferred brand drug options