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Health care and insurance

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Auto and home insurance

Get special savings on auto, home, condo and renters insurance through your union!

Customized coverage for educators:

Liberty Mutual:
Darlene Von Arx
Cole Jensen 
Travelers: 888-695-4640 travelers.com/educationminnesota 

Health care and Medicare supplement options

Education Minnesota has teamed up with Schatz Benefits Group in offering you access to individual health insurance and Medicare supplement plans through private carriers such as Assurant, Blue Cross Blue Shield, Health Partners, Humana, Medica, Preferred One and UCare. Our partnership allows you to work with a licensed health insurance agent who can help you better understand your options as a consumer. Call 952-222-2100 or visit their website to schedule an appointment.

Schatz Benefits Group can provide affordable healthcare for all stages of life, including:

  • When coverage changes, or is no longer available at work
  • When your employment status changes
  • When transitioning to retirement
  • When it is time to begin Medicare

Medicare supplements

ESI sponsors the following Medicare supplement companies for members and spouses in Medicare who would like supplemental insurance.

Individual health insurance

ESI and Schatz Benefit Group offer individual health insurance plans to those who no longer qualify under their employers’ plan, early retirees and dependents. For more information, call 952-222-2100.

Workshop opportunity

Attend a virtual Medicare Made Easy workshop,* which provides you and your guest information and materials you will need to learn about Medicare and the benefits of group insurance.

Fall 2021 sessions
Friday, Oct. 15 — 2-3:30 p.m.
Saturday, Oct. 30 — 9-10:30 a.m.
Thursday, Nov. 4 — 4-5:30 p.m.
Tuesday, Nov. 16 — 10-11:30 a.m.

*during open enrollment (October-December)

Long-term care insurance

ESI has helped members with long-term care insurance since 1989. In addition to prequalification, ESI helps you with policy placement and claims assistance.

The ESI sponsored long-term care insurance is offered through Educators Lifetime Solutions (ELS) and is a vital part of your financial plan. Long-term care insurance protects your assets, but more importantly it provides you with choices such as:

  • Stay at home with assistance
  • Professional, therapeutic services
  • Custodial maintenance
  • Adult day care services
  • Assisted living facilities
  • Nursing home facilities

For information, call 763-689-9023 or 877-403-2374 or visit this website.

Rates

Each plan is individually created, and many carriers offer special discounts to members. We help you prequalify to find the best carrier for you based on your age, health status and individual needs.

Individual rates

  • Member discounts
  • Group enrollment rates
    • Liberal underwriting
    • Member discounts

Qualification/Underwriting

  • Limited underwriting during open enrollment
  • Guaranteed issue long-term care benefit inside universal life policy for actively working teachers who do  not qualify for a stand-alone long-term care policy

Education 

Long-term care insurance is a key component of ESI financial and retirement planning workshops. Attending a workshop will help you understand:

  • What long term-care insurance is and isn’t
  • What the risks are of not having this insurance
  • What medical insurance, Medicare and Medicaid cover
  • What the federal deductions and tax credits are
  • MN Partnership legislation: dollar-for-dollar asset protection

Workshops

If your local is interested in a long-term care insurance seminar, please contact ELS at 763-689-9023 or 800-403-2374. ELS and ESI can coordinate a schedule of 25-minute informational sessions to take place before or after school at various sites. Contact ELS for more information.

Senior Care Navigation

What happens when you or one of your family members faces a health crisis? How do you learn about the choices available to you? How can you use your funds and resources most effectively? More importantly, how can you protect your loved one’s health before a crisis hits to better protect their wellbeing and help them live a “sparked” life?

Now you have a new free Education Minnesota ESI member benefit service to help – Senior Care Navigation. This service is provided by Lifesprk, the leading provider of life experience services (an innovative blend of geriatric care management and home care) in the Twin Cities. They bring more than 10 years of expertise, backed by a leadership team with more than 230 years of experience in home and senior care.

What is Senior Care Navigation?

Lifesprk’s Senior Care Navigation program is an easy-to-use 24/7 personal concierge service for you and your family for all your senior care needs and issues. You can access a broad range of proactive support and planning as well as navigation, connection to reliable resources and advocacy from a single phone call.

When should you consider using Senior Care Navigation services?

Lifesprk can help with a wide variety of situations, ranging from times your loved ones are doing great and want to proactively plan to avoid health crises to those when they are in the midst of a health care crisis. This service gives you and your family free navigation support and then, depending on your individual situation, additional reliable services as needed and appropriate. The free service is available to you and your family throughout Minnesota and wherever they call home.

How can you access it?

Contact Senior Care Navigation toll free at 855-345-3317 or visit their website.