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.

The Minnesota Advantage Health Plan is the medical benefits program available for state employees. Choose from among two health insurance carriers: BlueCross BlueShield or Health Partners. 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. Get started by viewing the MN Advantage Health Plan video and the Primary Care Clinics & Referrals video.

Online Care Benefit (Doctor on Demand, and virtuwell)

Online Care clinics provide access to a health care provider via the internet, regardless of your location or access to a certain care system. The benefit is designed to function like the in-network Convenience Care Benefit without the confines of office walls. The Online Care Benefit is provided without referrals, is not subject to the annual deductible, and is provided at a $0.00 copay, regardless of your cost level.

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 offered every other year to elect during open enrollment. Get started by viewing the Dental Plan Informational video.

CVS Caremark is the pharmacy benefit manager for the Advantage Health Plans regardless of the insurance carrier under which you enroll. Your pharmacy benefit offers a high level of access to low cost, clinically effective medications. CVS Caremark has three copay tiers. When you are prescribed medications by your medical care provider, 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