Instructions for Receiving a Quote
Thank you for your interest in the Minnesota Credit Union Employee Benefits Plan (Plan). Below you will find information regarding the plan options being offered and instructions on how to receive an insurance quote.
Eligibility
Before proceeding make sure that your credit union or Credit Union Service Organization (CUSO) meets the requirements to be eligible to participate in the Plan. To be eligible, a credit union must be:
To be eligible, a CUSO must be:
Plan Offerings
Health Insurance
Visit the Pre-Enrollment Site to learn more about the Plan Options, Provider Networks, Wellness Programs and more. You may also contact our Medica dedicated customer service team at (855) 857-2045 with any questions about the Plan offerings.
Visit our Guardian Web page to learn more about the offering from Guardian including information on discounts and lines of coverage being offered.
The Quote Process
To request a medical quote from Medica:
This entire process should take between 5 to 7 business days, assuming your initial submission is complete.
Contact Information:
Jeff Anderson Amy Kuester
Lockton Companies Lockton Companies
(763) 512-8659 (763) 512-8625
[email protected] [email protected]
Eligibility
Before proceeding make sure that your credit union or Credit Union Service Organization (CUSO) meets the requirements to be eligible to participate in the Plan. To be eligible, a credit union must be:
- Head-Quartered in Minnesota; and
- A Member in good standing of the Minnesota Credit Union Network (MnCUN).
To be eligible, a CUSO must be:
- Owned, at least in part, by a MnCUN Member credit union; and
- Head-Quartered in Minnesota.
Plan Offerings
Health Insurance
Visit the Pre-Enrollment Site to learn more about the Plan Options, Provider Networks, Wellness Programs and more. You may also contact our Medica dedicated customer service team at (855) 857-2045 with any questions about the Plan offerings.
Visit our Guardian Web page to learn more about the offering from Guardian including information on discounts and lines of coverage being offered.
The Quote Process
To request a medical quote from Medica:
- Submit the information outlined below to Capstone Administrators, our third-party administrator.
- Capstone will review your submission to make sure it is complete.
- If the submission is complete, Capstone will forward it to Medica to prepare a quote for the insurance premium.
- If any information is missing, Capstone will contact you directly with instructions.
- After Medica has completed preparing your insurance quote, they will send it back to Capstone to add the applicable administrative fees.
- After Medica has completed preparing your quote, they will release it to Lockton Companies, our plan broker.
- Jeff Anderson or Amy Kuester from Lockton will then contact you to set up a time to review your proposal.
This entire process should take between 5 to 7 business days, assuming your initial submission is complete.
Contact Information:
Jeff Anderson Amy Kuester
Lockton Companies Lockton Companies
(763) 512-8659 (763) 512-8625
[email protected] [email protected]
Preparing Your Request for Medical Quote
Gather Information and Complete the Forms: Which list of information and forms needed to submit depends upon the number of enrolled, and in some cases eligible employees* at your organization. Review the lists below and determine which one applies to your organization. Links to each form are included in the list. Each list included links to the required forms. Please note the quote will not be processed until all required information is received by Capstone.
*Your organization can set the eligibility requirements for employee participation in the plan, however, the minimum may be set no lower than 20 hours per week and no higher than 30 hours per week.
For Organizations with less than 5 potential enrolled employees:
For Organizations with 5 or more potential enrolled employees and less than 50 eligible employees:
For Organizations with more than 50 eligible employees:
WHY DO WE ASK FOR RENEWAL RATES?
Claims data and current rates only provide historical information. They do not provide insight on future claims or risks, which are important in risk rating your organization. Only your current provider has access to future claims data. The renewal rates give us some insight into what your current provider is seeing. This allows us to risk rate your organization more accurately and hopefully provides for a more competitive quote.
*Your organization can set the eligibility requirements for employee participation in the plan, however, the minimum may be set no lower than 20 hours per week and no higher than 30 hours per week.
For Organizations with less than 5 potential enrolled employees:
- Completed AHP Employer Participation Form (.pdf)
- Completed Census Form**
- Provide health history forms for all eligible employees
- Provide current summaries of benefits and coverage (SBCs)
- Provide current rates by plan design
- Current rates for all medical plans, including renewal rates if available.
For Organizations with 5 or more potential enrolled employees and less than 50 eligible employees:
- Completed AHP Employer Participation Form (.pdf)
- Completed Census Form**
- Provide current summaries of benefits and coverage (SBCs)
- Provide current rates by plan design
- Current rates for all medical plans, including renewal rates if available.
For Organizations with more than 50 eligible employees:
- Completed AHP Employer Participation Form (.pdf)
- Completed Census Form**
- Provide current summaries of benefits and coverage (SBCs)
- Most recent 12 months of claims data. Include monthly breakout with total membership and high claimant information if available
- Current fully insured rates or self-funded claim factors by plan, including renewal rates if available.
WHY DO WE ASK FOR RENEWAL RATES?
Claims data and current rates only provide historical information. They do not provide insight on future claims or risks, which are important in risk rating your organization. Only your current provider has access to future claims data. The renewal rates give us some insight into what your current provider is seeing. This allows us to risk rate your organization more accurately and hopefully provides for a more competitive quote.
Submitting Information and Forms to Capstone
Once all information and forms are prepared, please submit them directly to Capstone via one of the two methods below. Please do not send the documents directly to MnCUN.
Questions about the Process?
Please contact Jessie Hunt, Sales and Marketing Coordinator for Capstone Administrators at (317) 793-2915 or [email protected].
Questions may also be sent to [email protected].
- Organizations with secure emails can send everything to [email protected] via your secure email.
- If you cannot send secure emails from your own email, you can utilize Capstone’s secure portal (https://web1.zixmail.net/s/welcome.jsp?b=capstonebenefits) and direct the email to [email protected].
Questions about the Process?
Please contact Jessie Hunt, Sales and Marketing Coordinator for Capstone Administrators at (317) 793-2915 or [email protected].
Questions may also be sent to [email protected].
Dental, Vision, and Ancillary Quotes
To request a quote for these coverages from Guardian, you will submit the information outlined below to Capstone Administrators.
If the submission is complete, Capstone will forward it to Guardian to prepare a quote for the insurance premium. If any information is missing, you will be contacted directly with instructions.
After Guardian has completed preparing your quote, they will release it to Lockton Companies, our plan broker. Jeff Anderson or Amy Kuester from Lockton will then contact you to set up a time to review your proposal. This entire process should take between 5 to 7 business days, assuming your initial submission is complete.
Jeff Anderson Amy Kuester
Lockton Companies Lockton Companies
(763) 512-8659 (763) 512-8625
[email protected] [email protected]
If the submission is complete, Capstone will forward it to Guardian to prepare a quote for the insurance premium. If any information is missing, you will be contacted directly with instructions.
After Guardian has completed preparing your quote, they will release it to Lockton Companies, our plan broker. Jeff Anderson or Amy Kuester from Lockton will then contact you to set up a time to review your proposal. This entire process should take between 5 to 7 business days, assuming your initial submission is complete.
Jeff Anderson Amy Kuester
Lockton Companies Lockton Companies
(763) 512-8659 (763) 512-8625
[email protected] [email protected]
Preparing Your Request for Vision, Dental, and Ancillary Quote
Please review the list of information and forms you need to submit. Remember your quote will not be processed until all required information is received by Capstone.
All Organizations
☐ Confirm which lines of coverage you want quoted:
☐ Vision
☐ Dental
☐ Basic Life & AD&D
☐ Voluntary Life & AD&D
☐ Short Term Disability
☐ Long Term Disability
☐ Worksite Benefits: Accident, Hospital Indemnity, Critical Illness
☐ Census Form
☐ Benefit summaries for all current vision, dental and ancillary coverages
☐ Current rates for all vision, dental and ancillary plans
SUBMITTING YOUR REQUEST FOR VISION, DENTAL AND ANCILLARY QUOTE
Once all information and forms are prepared, please submit them directly to Capstone via one of the two methods below. Please do not send quote request information directly to MnCUN.
QUESTIONS ABOUT THE PROCESS?
Please contact Jessie Hunt, Sales and Marketing Coordinator for Capstone Administrators at (317) 793-2915 or [email protected]. Questions may also be sent to [email protected].
All Organizations
☐ Confirm which lines of coverage you want quoted:
☐ Vision
☐ Dental
☐ Basic Life & AD&D
☐ Voluntary Life & AD&D
☐ Short Term Disability
☐ Long Term Disability
☐ Worksite Benefits: Accident, Hospital Indemnity, Critical Illness
☐ Census Form
☐ Benefit summaries for all current vision, dental and ancillary coverages
☐ Current rates for all vision, dental and ancillary plans
SUBMITTING YOUR REQUEST FOR VISION, DENTAL AND ANCILLARY QUOTE
Once all information and forms are prepared, please submit them directly to Capstone via one of the two methods below. Please do not send quote request information directly to MnCUN.
- Organizations with secure emails can send materials to [email protected].
- Organizations without secure email can utilize Capstone’s secure portal (https://web1.zixmail.net/s/welcome.jsp?b=capstonebenefits) and direct the email to [email protected].
QUESTIONS ABOUT THE PROCESS?
Please contact Jessie Hunt, Sales and Marketing Coordinator for Capstone Administrators at (317) 793-2915 or [email protected]. Questions may also be sent to [email protected].
