2021 Employee Benefits

Persona’s employee benefit package includes medical insurance, dental insurance, vision insurance, flex spending account, life and disability insurance and other lifestyle benefits.

Eligibility

Employees are eligible for benefits if they work at least xx hours per week. Benefits are effective on the first day of the month following 60 days of employment. Open enrollment takes place in November and take effect January 1. Employees may cover dependents under Persona’s benefit plans.

Health Insurance – Avera Health Plans

Persona employees receive their medical insurance through Avera Health Plans. Founded in 1999, Avera is dedicated to helping the people and communities they serve by providing cost-effective, innovative health plans. The company serves over 88,000 members in South Dakota and Iowa. Avera Health Plans wants to be more than just a health insurance plan – they want to help Persona employees stay well throughout their lives. Avera feels strongly that an employee’s insurance provider should be a connecting point for them to get the right care and services when they need them. Avera does this by working closely with the providers in their network as well as community resource partners.

For additional information, contact:

  • Member Health Advocate-Network Assistance
    Call 888-605-1331, option 2
  • Pharmacy Assistance
    Help with specialty, pre-authorizations, quantity limits, and/or step therapy
    Call 888-605-1331

Avera Health Plans – Member Portal Login

Dental Insurance – Delta Dental

Delta Dental of South Dakota is the most experienced dental benefits company in South Dakota with the largest network of participating dentists. As a non-profit organization, they are passionate about improving oral health through their Mobile Program and other investments to improve access to care and provide prevention and education. Delta Dental of South Dakota is a member of the Delta Dental Plans Association, the nation’s leading dental benefits carrier.

Vision Insurance – VSP

VSP was founded in 1955 and is the largest vision insurance provider in the nation. The company was founded in 1955 by a group of optometrists who wanted to provide access to affordable, high-quality eye care to the world. VSP is the only national not-for-profit vision care company.

Flexible Spending Accounts

Flexible Spending Accounts (FSAs), permitted under section 125 of the Internal Revenue (IRS) Code permit eligible employees to direct part of their pay on a pre-tax basis into a special account this is used to reimburse them for (1) Health Care expenses not paid under the medical plan, and if elected (2) Dependent Day Care expenses. Because an employee’s money goes into their reimbursement account before federal incomes taxes, or before FICA contributions are withheld, the employee pay less in taxes and ultimately have more disposable income by participating. The amount employees choose to set aside for qualified health care and/or dependent care expenses is deducted from each paycheck. These funds are then reimbursed directly to the employee when they incur a qualified expense.  By utilizing these accounts, employees effectively increase their take home pay.

Dependent Day Care Flexbile Spending Expenses
Dependent day care flexible spending expenses include those necessary for you and your spouse (if married) to be gainfully employed or attend school.

  • Expenses paid for the care of a dependent under the age of 13
  • Expenses paid for the care of a dependent who is physically or mentally incapable of caring for themselves.
  • Expenses paid to a dependent day care provider.
  • If you are divorced, your child must be in your custody for at least six months out of the year.
  • Tuition at special school for handicapped dependents.

401K Savings Plan – Empower Retirement

Building a health financial future is just as important as taking care of your health needs. Once you reach the first of the month after 60 days of full-time employment, you will be automatically enrolled in the 401(k) program with a 3% election.

Contributing on a pre-tax basis means that contributions to the plan are deducted from your pay before income taxes are calculated, thus lowing your taxable income. Not only can 401(k) participation help you save for retirement, but it can help reduce the current tax you pay.

Basic Life Insurance – Mutual of Omaha


Wellness Reimbursement

Persona works with the following locations to offer wellness reimbursement programs:

  • Watertown: Anytime Fitness, Planet Fitness, Prairie Lakes Wellness Center, The Gym
  • Madison: Anytime Fitness, Madison Community Center

Employee Assistance Program

Life is not always easy.  Sometimes a personal or professional issue can affect your work, health and general well-being.  We’re here to help. Mutual of Omaha’s Employee Assistance Program (EAP) assists employees and their eligible dependents with personal and job-related concerns.

  • Access to EAP Professionals 24 hrs. a day, seven days a week.
  • Network of licensed and/or certified mental health professionals.
  • Three free sessions per year.
  • Confidential Service
  • Resources available for legal resources, work/life balance, substance abuse, and/or elder care.

For more information, visit Mutalofomaha.com/eap or call 1-800-316-2796

Voluntary Benefits

  • Life Insurance
  • Short-term Disability
  • Long-Term Disability
  • Lifestyle Benefits

For more information, contact the Human Resources Department at 800-843-9888 ext 178 (Watertown) or 605-256-0656 (Madison).

The employee benefit information on PersonaSigns.com is intended to be a brief summary of benefits available to Persona employees. The information is not intended to be a complete description of Persona’s employee benefit plans and does not contain complete details of benefits or exclusions. Employees should refer to each benefit’s Summary of Benefits Coverage (SBC) and policy certificates for complete details. This is not to be considered “Certificate of Coverage”.

Only those employees ENROLLED in health benefits are eligible. Benefits information may be distributed to you; however, that does not mean individual employees are receiving the benefits unless they have made steps (i.e., completing an online enrollment) to actively enroll once eligible.