The Power of

Today, Medica serves more communities than ever before. But we share so much more than the same geography. As we continue to grow, so does our commitment to help those communities grow. We continue to drive grass-roots change by investing in great ideas and the people who power them.

Making Connections

The world of health care and health care coverage continues to change all around us. To live our mission has meant standing with people in the midst of all the change and uncertainty.

Medica is now in nine states. In 2018, we took to the road, connecting to thousands of community leaders, policy makers, members, employers, brokers and providers. We want to be at the table as a partner with you, working together on solutions that make health care better for everyone.

We are passionate about living our mission. That means recognizing the enormous power of “we.” It is only through connecting, engaging and building understanding that the power to create real change in our communities is unleashed.

Thank you for welcoming us and inviting us to work with you.

John Naylor
President & CEO

Our Community keeps Growing

Learn more about Medica

More than four decades ago, Medica had its beginnings as Minnesota’s first open-access, physician-led HMO serving members in Minneapolis and St. Paul. By 1982, we grew to 100,000 members in Minnesota. Now we serve about a million members across the heart of America.

For Medica, growth is not just about increasing the top line. It’s really about building relationships with the people and communities we serve, so that together we harness the power to make positive changes in peoples’ health. From the beginning, the ingredients that have fueled our growth have been constant.


Medica employees are mission-driven. It’s part of our culture. We know that living our mission starts with listening and understanding – not making assumptions. We are motivated to create strong connections, seek real solutions and push the boundaries of how we can make a difference.


Being the trusted health plan of choice means showing we care about members during some of the most challenging times in their lives. Compassion is the heart and soul of our organization. No matter what the circumstance, our team is ready to help.


We know we can’t do it alone. That’s why in every community we serve, we look for partners who share our passion to make sure every person has the health care they need. Together with our partners, we strive to deeply support our communities, and expand our ability to improve the health of everyone we reach.

We’ve been earning the trust of members for over 40 years.

Midwestern Values

As Medica grows, we are not forgetting the heartland values that have shaped us for more than 40 years. That means that we will always be on your side. We don’t have corporate shareholders calling the shots. What we do have are our members, partners and employers who depend on us. Expect us to continue listening to you and being there for you.

We’re Your Neighbor.

Duluth, Fargo, Omaha, St. Cloud

Medica’s headquarters are in Minnetonka, Minnesota, with regional offices in Duluth, Fargo, Omaha and St. Cloud. We also have care coordinators on the ground in many of the communities we serve. We would love to hear from you. Stop in any time. Also, contact us on Facebook at @medica4me.

The Power of

At Medica, serving is a team sport. We encourage our team to listen to their neighbors, and empower them to create connections, seek solutions and provide resources that will enrich the lives of everyone across the region. It’s who we are and it’s what we do.



Medica Employees are Avid Community Volunteers

Medica has a deep commitment to our employees and to the communities where we live and work. Many employees choose Medica because they want to work for a company that values corporate citizenship and giving back. Our volunteer program makes it easy for employees to share their time and talent with charitable organizations.

Over the past five years, Medica employees have logged more than 25,000 hours of volunteer time off and Medica has contributed more than $60,000 on behalf of employee volunteers through our Dollars for Doers program.

Volunteer Time Off (VTO)

In addition to regular paid time off, each year Medica employees receive 16 hours of paid volunteer time off to participate in community and volunteer service during the workday.

Dollars for Doers

In recognition of employees who volunteer 30 or more hours each year at an eligible nonprofit organization, Medica makes a charitable donation to the nonprofit on their behalf.

Quarterly Supply Drives

Each quarter, Medica employees generously donate food and supplies that benefit charitable organizations throughout our service area, making a significant impact for the people they serve. Some departments have friendly competitions to see who can contribute the most hats and mittens, stuffed animals, school supplies, and more.

Featured Medica Volunteer Organizations

Open Arms

Open Arms of Minnesota cooks and delivers more than 620,000 medically tailored meals annually to people living with life-threatening illnesses and chronic diseases. Last year, Medica’s senior leadership team volunteered in Open Arms’ kitchen, slicing 1,140 sandwich buns, packaging 450 servings of hard-boiled eggs and chopping 100 pounds of carrots. More than 40 Medica employees volunteer with Open Arms each year.

Second Harvest Heartland

No one should go hungry. Our volunteers packed 10,800 pounds of food for children, families and neighbors at Second Harvest Heartland, which distributes healthy food through more than 1,000 food shelves, pantries and meal programs in Minnesota and Wisconsin.


YouthLink connects young people experiencing homelessness with life-changing services to help them build more stable futures. Medica volunteer teams helped celebrate birthdays, assisted with graduation ceremonies, conducted drives to collect basic needs items, and painted a new Medica Calming Room. The room helps young people decompress and ground themselves when they are experiencing high levels of stress.

Game Changers

For the past six years, Medica volunteers have assisted the talented caregivers of Hammer Residences to provide enriching activities and outings for individuals with disabilities. What started with a dedicated core group of Medica employees has come to involve people and departments across the company. The Corporate Volunteerism Council – Twin Cities awarded Medica with the 2019 Game Changer Award for our partnership with Hammer Residences.

Employee Stories

Derek A. Rowell

Helping Families Weather Stress

Fun family events – like a relay race or cooking night – are a breath of fresh air to kids battling cancer. That’s why Derek A. Rowell, a director in Enterprise Program Services, volunteers for the Pinky Swear Foundation. Inspired by his daughter, he also volunteers at PACER Center, which offers resources for parents of children with disabilities.

Lynn Piasecki

Beating Back Breast Cancer

For the past 12 years, Lynn Piasecki (featured right) has raised pledges and walked 60 miles in the Susan G. Komen 3-Day Walk supporting breast cancer research. She also is an active Medica leader and volunteer with the American Cancer Society’s annual Making Strides Against Breast Cancer walk in St. Cloud. Lynn volunteers to honor her sister, who lost her battle with breast cancer in 2010.

Jessica Colo

Backing Young Athletes Through Loss

When Jessica Colo (featured left) from our Omaha office had a close friend pass away in 2018, she put her sales and management skills to work to honor his memory. She co-founded the Skoda-Thurber Foundation, providing support to children involved in community athletics who have lost one or both parents, so they could continue in their sport.

Jenny Lanoue-Glerum

Caring for Summer Campers

Jenny Lanoue-Glerum wanted to make a difference using her nursing skills. At Medica, she works in clinical improvement. She also serves as a volunteer nurse at One Heartland, a summer camp for young people who face isolation, bullying or serious health challenges. Youth ages 7-20 from all over the United States, come to northern Minnesota to experience “firsts” like getting out of the city, fishing or riding a bike. Jenny earned the Medica Volunteers Compassion Award for volunteering more than 100 hours in 2018 to help underserved youth grow stronger through their camping experiences.

Employee Giving

Medica employees are generous when it comes to supporting the causes they are passionate about. Our annual Employee Giving Campaign is a week of fun activities for employees to donate their time and resources. Our employees make financial pledges to nonprofits they support, participate in our silent auction and donate through a variety of department-sponsored fundraising events. During the campaign, our annual Community Showcase event invites 32 local charities to visit Medica to teach our employees about their work. Nearly everyone at Medica participates in community giving in one way or another.

Together We Raised


The Power of

By providing internships and supporting programs to give young people the knowledge and resources they need to be successful, we sow the seeds of a prosperous future for those individuals and the communities where they will live, work and contribute for many years to come.

Nurturing Untapped

“The Genesys Works partnership has given us the ability to expose young people to real world information technology roles while helping our IT team deliver great service and support to the organization. I have seen firsthand the difference we have made in building the confidence and skills with our young professionals that has carried through high school, college and into the corporate world. Medica is proud to be affiliated with an organization that is changing the trajectory of young individuals’ lives.”

Tim Thull
Medica Chief Information Officer
Genesys Works Board Member

When it comes to entry-level hiring, young people from low-income backgrounds are often at a disadvantage. Many haven’t had the opportunity to develop the skills or experience employers seek when hiring young talent. For the last nine years, Medica’s Information Technology department has empowered students and equipped them for future success through a partnership with Genesys Works. They provide pathways to career success for youth in underserved communities. In 2018, Medica hosted seven interns through Genesys Works. Over the past eight years, Medica has hosted 62 interns. See how Genesys Works is joining with Medica and other employers to develop untapped talent through job training and paid internships.

Developing Future Leaders

College students gain real world experience in their professions through Medica’s Internship Program. They come to us from public and private colleges throughout Minnesota and across the country. These students represent a range of professions, from communications and public policy, to public health, business analytics, finance, health services, information technology, pharmacy and e-learning. Over the years, Medica has been so impressed with these young people’s performance that 18 former interns were hired as employees after their graduation.

“Students are transformed and I see growth in my team as they mentor them. At the end of our time together, we celebrate future leaders trained to value consumers, design systems with users in mind and give back to their community.”

Linda Reding
Senior Director of Web Port and Usability

“My experience as a Medica intern during the summer of 2015 taught me about the insurance industry and the business world. It also taught me how to network and grow in my career, personally and professionally. I wouldn’t have the job I do now without the experience and references from my internship.”

Megan Fricke
Event Planner, Individual and Family Business

Expansion of CDS service area.

Children’s Dental Services

“Support and partnership from the Medica Foundation has enabled CDS to expand critically needed dental treatment to some of the most underserved and vulnerable Minnesota children and families. Medica Foundation provided CDS with essential resources and guidance in creating accessible, quality dental infrastructure that will be sustainable for decades to come.”

Sarah Wovcha, JD, MPH
Executive Director of Children’s Dental Services

Our nation is facing a shortage of doctors, dentists, behavioral health professionals and public health workers, particularly in rural locations. These challenges require thoughtful, sustainable solutions, ones that address the root causes that get in the way of people getting the care they need. Lack of access to dental care for children can have serious health consequences. In 2018, we continued our years-long commitment to supporting organizations dedicated to making sure all children get the dental care they need.

Medica Foundation has been proudly funding Children’s Dental Services (CDS) for over 10 years, supporting innovative dental care programs for young children and pregnant women who have no other resources for preventive and emergency services. Their ability to pilot programs that create lasting change in low-income communities across the state aligns with the mission of the foundation. In 2018, we funded a new program that helps reduce health disparities among Native American children in the Duluth area by expanding access to culturally targeted treatment and education. Innovative programs like this provide long term solutions and make the kind of impact that Medica strives for in our communities.

“I simply could not find a dentist who would accept my dental insurance until I learned about CDS from my son’s school nurse. My insurance had a big deductible that I could not afford to pay, and my pregnant wife needed translation services. A dental therapist from CDS gave us great care, and staff helped translate and get us sliding scale coverage. My son no longer has dental pain and is brushing his teeth each day.”

CDS Patient

Becoming part of the community from the onset.

The Medica Foundation provides grants to help improve health and address barriers to receiving care in the communities where we live and work. As Foundation giving expands into new areas, we are connecting with nonprofits on the ground who know what people need most.

In the summer of 2018, Marshalltown, Iowa experienced serious devastation from a powerful tornado that ripped through their community. The Medica Foundation responded quickly with disaster relief grants to Mid-Iowa Community Action and American Red Cross – Greater Iowa Regional Office.

Additionally, the Medica Foundation expanded its reach into Nebraska and awarded two grants to support health needs in the greater Omaha community. With this funding, the Magis Clinic at Creighton University School of Medicine is expanding its prescription drug and immunization programs for people experiencing homelessness. Visiting Nurse Association is expanding its telehealth program to help low-income, older adults stay healthy and safe while living at home. We’re honored to support their good work.

Grant Performance Committee

The Medica Foundation’s Grant Performance Committee (GPC) consists of employee volunteers who are ambassadors of Medica in the community. GPC members oversee grants based on their backgrounds and expertise. They work directly with our grantees to increase the positive impact of the Medica grants.

Employees are grateful for the opportunity to give back. They welcome the professional development opportunities that help them stay in tune with issues and topics that relate to their work at Medica.

GPC members enable the Medica Foundation to deepen relationships and provide greater oversight of funds. Having volunteer advocates builds a stronger presence for Medica in the community and helps us look at our grants with fresh ideas and diverse perspectives.

Members of the Grant Performance Committee.

Mary Alice selected Sole Care For Souls to receive a $100 donation after winning a door prize at Medica’s Employee Giving Campaign.

A Ripple Effect

Grant Performance Committee (GPC) member Mary Alice Noel illustrates the positive ripple effect that comes from volunteering and the power of connections. Since 2005, Mary Alice has provided oversight for 40 grants totaling nearly $1.5 million dollars.

Mary Alice approaches each new grant as an opportunity to build a relationship. She finds ways to connect people and bring organizations together for mutual learning and benefit. She uses her strengths and knowledge for the benefit of others. In return, her GPC service has helped her sharpen project and program evaluation skills, which have benefited her career as a senior wellness consultant at Medica and helped many nonprofits strengthen their grant activities.

Mary Alice’s nursing background has proven to be a tremendous asset. Every year, Medica hosts a Community Showcase connecting employees with local nonprofits to learn about volunteer opportunities. About five years ago, Mary Alice connected with the founder of Sole Care for Souls, an organization providing free medical foot care for people experiencing homelessness or living in under-resourced conditions. As a volunteer, she enjoys using her nursing skills and connecting with Sole Care clients to provide services, such as trimming nails, removing callouses and treating infections for those in need. These treatments can only be offered by those with a clinical license. Mary Alice is so passionate about helping that she recruited a nursing friend to join the volunteer team. Together they organized a sock drive honoring Sole Care for Souls at their high school Christmas gathering.

Mary Alice shares, “I feel so fortunate to be able to do this work. The Medica Foundation has given me an opportunity to use my strengths to serve our community. Every time I make a connection or provide meaningful support to an organization, the ripple effect has the potential to make waves of lasting community change.”

The Power of

When we combine our own strength with the strength of other organizations who share a common vision, we extend our reach deep into communities and expand our power to improve health and health care for people across the heartland.

Best Practices

In 2018, Medica hosted its inaugural Accountable Care Organization (ACO) Engagement Summit. Participants from nine different health systems in five states came together to discuss health care delivery challenges and ways to improve health outcomes. The summit provided a unique opportunity for Medica and our health care partners to learn from one another and to create a framework for continuing collaboration.

Summit participants discussed health care quality and trends, and shared clinical best practices in a number of areas, including pharmacy management, care coordination, physician engagement, predictive modeling and data management. Nearly every health care and clinical leader who attended the summit reported implementing at least one best practice from the meeting.

It is through successful partnerships that we can drive improvements for all stakeholders, including providers, customers and members. The collaboration between Medica and our ACO partners fosters relationships across the country resulting in improved clinical value. Following a successful first event, a second annual ACO Clinical Engagement Summit will be held the fall of 2019. Likely topics will include social determinants of health in analytics and telehealth in rural and urban settings, as well as a collaborative design workshop to help construct the optimal ACO for the future.

Learn more about our ACO Partnerships

I was really impressed with the summit and learned a great deal. I was especially impressed by the quality and depth of information that was shared. Thank you so much for hosting us again in 2019.

Alvaro Sanchez, MD
Chief Medical Officer, Ridgeview Medical Center


The physician panel was great. I liked hearing what works well and what doesn’t work well.

Participant Feedback


Thank you so much for hosting this conference.

Participant Feedback

The Power of
Being Green

A healthy planet is necessary to help people be healthy. At Medica, we do our part to care for our environment. In addition to corporate initiatives to reduce and recycle waste and to save energy, our employees are engaged in individual efforts within the company, and within their communities, to make a difference for the environment.

Employee Movement

Earth Day motivated employees to step up with ideas for going greener. They included replacing StyroFoam cups, better signage on the recycling containers, a reminder that employees who bring their own glass or mug to the cafeteria can get their drink for the “refill” price, putting water bottle filling stations at every water fountain and reusing folders instead of recycling them. When we published these ideas on our employee site, dozens of additional ideas poured in – not only things Medica could do, but things every employee could do. Now we have a Go Greener employee group that’s continuing to collect new ideas and working to keep the movement going.

The Medica facilities team has taken a number of steps to reduce waste, save energy and promote recycling.

Reduced annual energy usage by 834,312 KW by replacing lighting with LED light bulbs
Instituted single sort recycling with containers at each employee’s desk
Partnered with our cafeteria to recycle food waste and grease through a local farmer
Recycled 166,286 tons of paper which saved 1,414 trees and 581,154 gallons of water

The Power of Stability

Medica Board of Directors

Medica was created for people, not for profit. And so we manage risk and resources as efficiently as possible to create a healthy, stable organization with the financial strength needed for continued innovation on behalf of members and their communities.

Medica Financials

2018 was a strong financial year for Medica. That’s good news because as a nonprofit, our earnings don’t go to outside shareholders. Instead, they are invested in the work we do and the communities we serve.

Combined Balance Sheet (in thousands): 2018 2017
Cash and investments 1,716,414 1,140,675
Other assets 573,313 413,027
Total Assets 2,289,454 1,553,702
Liabilities and Net Assets:
Claims payable 540,533 356,031
Other liabilities 594,750 300,886
Total Liabilities 1,135,283 656,917
Net Assets 1,154,171 896,785
Total Liabilities and Net Assets 2,289,454 1,553,702
Combined Statement of Operation and Changes in Net Assets (in thousands):
Premiums, net of reinsurance 4,351,496 3,724,868
Administrative service contract fees 145,080 116,715
Total Revenue 4,496,576 3,841,583
Medical and other benefits, net of reinsurance 3,413,888 3,189,270
Other operating expenses 687,223 485,742
Total Expenses 4,101,111 3,675,012
Operating Income 395,465 166,571
Investment income, income taxes, and other non-operating expenses (97,222) (10,245)
Net unrealized gains (losses) on investment (29,857) 2,650
Contributions to the Medica Foundation (11,000) 0
Change in Net Assets 257,386 158,976