Mailing Address:
Midwest Group Benefits
PO Box 408
Decorah, IA 52101
Physical Address:
Midwest Group Benefits
1111 S. Paine St., Suite K
Decorah, IA 52101
Contact Info
563.382.9611
800.344.3766
563.382.9613
For more information or general questions please contact info@midwestbenefits.com, or contact us by department.
If you are a provider needing claim status, please email claims@midwestbenefits.com.
How May We Help You?
The staff at Midwest Group Benefits is dedicated to personal customer service. Get to know us and we look forward to the opportunity to get to know you.
Michelle Chamlee
Flexible Benefit Plan Department
Michelle has been employed with Midwest Group Benefits since January 2025 as a Benefits Administrator. She processes claims and provides customer service and administrative support for our Flexible Spending Accounts (FSA), Dependent Care Spending Accounts (DCAP), Lifestyle Savings Accounts (LSA), Health Savings Accounts (HSA), and Health Reimbursement Accounts (HRA). She has a B.A. from the University of Nebraska Omaha.
563.382.9611 x 176
800.344.3766 x 176
Email Michelle
Sarah Claiborne
COBRA Administration/FSA Administration
Sarah has worked at Midwest Group Benefits since 2021 and has a degree in business management from UNI. She came to us with 16 years of experience in employee benefit administration and is the administrative contact for our COBRA and Flexible Spending Account clients.
563.382.9611 x 116
800.344.3766 x 116
Email Sarah
Debbie Decker
Medical Claims Department
Deb has worked with Midwest Group Benefits since 2000 and is a claims processor for our HRA/partially self-funded clients.
563.382.9611 x 113
800.344.3766 x 113
Email Deb
Kelly Elsbernd
Controller
Kelly has been employed at Midwest Group Benefits since 2007 and is the Controller. She has a degree in Business Management and earned her APA (Accredited Pension Administrator) designation in 2012.
563.382.9611 x 109
800.344.3766 x 109
Email Kelly
Sara Hotvedt
Agency President | Pension / Retirement
Sara is the Agency President of Midwest Group Benefits. Sara has specialized in the retirement plan administration area since 1999 and is involved all aspects of plan administration. She is a Luther College graduate with a BA Degree in Accounting and also earned her APA designation in 2002 from the National Institute of Pension Administrators.
563.382.9611 x 108
800.344.3766 x 108
Email Sara
Kelsey Ihde
Supplemental Unemployment Benefit (SUB) Plan Administration
Kelsey has been employed with Midwest Group Benefits since the Summer of 2014. She provides customer service to our SUB plan clients and their employees. Kelsey graduated from Northeast Iowa Community College in May 2015 earning her Associate of Applied Science in Administrative Office Management degree.
563.382.9611 x 104
800.344.3766 x 104
Email Kelsey
Julie Luzum
Receptionist | Consolidated Billing Specialist
Julie has been employed with Midwest Group Benefits since January 2023 and is our receptionist and consolidated billing specialist. She attended UNI and has a bachelors degree in marketing.
563.382.9611 x 115
800.344.3766 x 115
Email Julie
Rachel Narum
Group Health Compliance & Consulting
Rachel is a CPA and has been employed with Midwest Group Benefits, Inc. since 1999. She is a Consultant for our group health clients.
Kimberly See
Medical Claims
Kim has been employed by Midwest Group Benefits since February 2026. She has more than 30 years of combined experience in claims processing, account reviews and customer service.
563.382.9611 x 134
800.344.3766 x 134
Email Kim
Kayla Tollefsrud
Administrative Assistant
Kayla has been employed by Midwest Group Benefits since February 2026 as an Administrative Assistant.
563.382.9611 x 183
800.344.3766 x 183
Email Kayla