Annual Benefits Enrollment for 2019 has ended!

However, the enrollment periods for supplemental dental insurance and vision insurance have been extended. See below for additional information.

Updated: 11/12/2018

What is Annual Benefits Enrollment?

The Annual Benefits Enrollment (ABE) period is an opportunity for eligible employees to enroll in or make changes to select benefit plans for the upcoming year.

This is the only time during the year when you are eligible to make benefit plan changes to most plans unless you have a qualifying life event (e.g. family or employment change) that allows you to change your benefits mid-year.

Changes made during this period will be effective January 1, 2019.

Important: This site contains information about benefit opportunities and changes for 2019 only. For information about current UW System benefits (2018), please visit the Employee Benefits Website.

For a list of benefits fairs, click here pdf .

ALEX Reminder

This is a reminder that ALEX is your personalized benefits counselor! ALEX explains your benefit options in plain English and helps you choose the plans that make the most sense for you and your family.

In an effort to help you better understand the benefits available to you through the UW System and make the Annual Benefits Enrollment period less stressful, UW System will continue to make ALEX available.

ALEX will ask you a series of questions to walk you through benefits offerings and suggest appropriate plans based on your answers. To go to the ALEX landing page and begin your ALEX conversation, click here.

(NOTE: Chrome or Firefox are the preferred internet browsers for ALEX)

Changes for 2019

You can view a video about changes for 2019 here.

The summary of changes to benefits plans for 2019 is outlined below. You can use the Page Contents at right to navigate to a specific section of this website. Changes listed on this page may impact your coverage and action may be required. It is important to understand the changes so you can make informed decisions.

Changes Allowed During ABE

Benefit Plan Open Enrollment Change Plans or Coverage Levels Add/Remove Dependents Cancel Coverage
State Group Health Insurance Yes Plans and/or Coverage Levels Yes Yes
State Group Health Insurance
Opt-Out Incentive
Yes – Required N/A N/A N/A
Uniform Dental Yes Coverage Levels Yes Yes
Supplemental Dental Insurance Yes Yes – Required Yes Yes
Vision Insurance Yes Coverage Levels Yes Yes
Flexible Spending Accounts MUST re-enroll each year Yes N/A Yes
Health Savings Account MUST re-enroll each year N/A N/A N/A
Individual & Family Life Insurance Annual Increase Option N/A No – Add

Yes – Remove (anytime)

Yes (anytime)
Accidental Death & Dismemberment Insurance Yes (NEW) Coverage Levels N/A Yes (anytime)

* See the Dependent Eligibility Chart pdf to see who you can cover on your plans.

State Group Health Insurance

See the 2018 Health Plan information for details on current benefits.

For 2019, the following changes will be made:

Read the information below carefully prior to making your health plan election.

  • Premiums
    • There are no changes to premiums for 2019 for most employees. Click here to access the current State Group Health Insurance premiums.
  • Plan Design
    • There are no plan design changes, i.e. deductibles, out-of-pocket limits and maximum out of pocket limits.
  • Covered Services
    • Newly covered:
      • Telehealth benefit category – no cost for employees not enrolled in a high deductible health plan
      • Home sleep studies
      • Initial set of hard contact lenses for participants diagnosed with keratoconus
    • No longer covered:
      • Removal of erupted teeth (this will now be covered by the Uniform Dental benefit)
      • Removal of skin tags (unless medically necessary)
    • Other changes:
      • Removal of exclusion of transgender services and benefits in Uniform Benefits, effective January 1, and defer to medical necessity of treatment as authorized by the health plan carrier.
      • Annual limit for foot orthotics
      • Removal of certain limitations for transplants

Note: The health plan and HDHP plan designs do not provide out-of-network coverage except in some cases of emergency or urgent care.

Health Plan Carrier Name Changes

The following plans will have name changes:

  • WEA Trust – Northwest Chippewa Valley now WEA Trust West – Chippewa Valley
  • WEA Trust – Northwest Mayo Clinic Health System now WEA Trust West – Mayo Clinic Health System

Note: If you take no action during ABE, you will automatically be enrolled in the renamed plan listed above.

New Health Plan Carrier

Robin with HealthPartners will be a new health plan carrier in 2019 for Northeastern Wisconsin. Click here (coming soon) to access a list of counties this health plan carrier covers.

State Maintenance Plan (SMP) Changes
  • SMP will be newly available in Forest Country. SMP is no longer available in Florence County.

ACTION REQUIRED: If you are currently enrolled in the State Maintenance Plan (SMP) you should verify your providers are in-network for 2019 or select another plan.

All employees enrolled in the State Group Health Insurance Program and their covered spouses and dependents must select a Primary Care Provider (PCP).

If you are not changing your health plan carrier for 2019:

  • If you do not currently have a designated PCP, you can contact your health plan carrier to request assistance in selecting a PCP.
  • If you currently have a designated PCP, you do not need to do anything.

If you are changing your health plan carrier for 2019:

  • You should contact your new health plan carrier after open enrollment to provide your PCP information, or
  • If you do not select a PCP, your health plan carrier will contact you directly. In most cases, the health plan carrier will auto-assign PCPs and provide information on how to change them.

Health Insurance Opt-Out Incentive

Enroll in the “Health Ins Opt-Out Incentive” plan if you are declining health insurance to receive the Opt-Out Incentive. The Opt-Out Incentive is taxable and the $2,000 is paid out over 12 pay periods for monthly-paid employees and 24 pay periods for biweekly-paid employees. Enrollment is required each year you want to opt out. Eligibility requirements apply. You can enroll in the Health Ins Opt-Out Incentive using Self Service. See How to Enroll for more information.

Pharmacy Benefits

See the 2018 Pharmacy Benefits plan information for details on current benefits.

For 2019, the following changes will be made:

  • Increase cost sharing for Level 3 “dispense-as-written-code-1” drugs
    • 2018: 40% coinsurance up to $150
    • 2019: 40% coinsurance + the difference between the cost of the alternative drug and the “dispense-as-written” drug. Navitus will be contacting employees affected by this change prior to 1/1/2019. For questions, contact Navitus at 1-866-333-2757.
  • Implement a value-based plan design with lower cost sharing for members who participate in a diabetes program offered by StayWell

Find in-network pharmacies and formulary lists on the Navitus website, or call Navitus at 1-866-333-2757 with questions.

Well Wisconsin Program

The $150 Well Wisconsin incentive will continue to be available to you and your enrolled spouse in 2019. To earn the $150, you will need to complete the current incentive requirements: a health screening, health assessment questionnaire, and one of the Well-Being activities. Visit the StayWell website for more information.

Uniform Dental Insurance Benefits

See the 2018 Uniform Dental Benefits plan information for details on current benefits.

For 2019, the following changes will be made:

  • Removal of erupted teeth will now be covered (no longer covered by health insurance plan)
  • See the comparison charts below for details and rates

NOTE: EPIC Benefits+, which includes dental, AD&D, and hospital coverage, and EPIC Benefits+ w/vision, which includes dental, vision, AD&D and hospital coverage, will not be offered in 2019. For your 2019 dental options, see the Uniform Dental Insurance Benefits and Supplemental Dental Insurance Benefits sections on this page. For your 2019 vision option, see the Vision Insurance section on this page. For your 2019 AD&D option, see the AD&D Insurance section on this page. There will not be a replacement hospital/surgery plan in 2019.

Supplemental Dental Insurance Benefits

IMPORTANT Update:

Although the Annual Benefits Enrollment (ABE) period has closed for the year, the Department of Employee Trust Funds (ETF) has extended the enrollment deadline for Delta Dental supplemental dental insurance. If you have not already enrolled in Delta Dental supplemental dental and would like to take advantage of the extended enrollment opportunity, you will need to complete and submit a paper application to your human resources office. Self Service will not be available for this enrollment. The extended deadline to enroll via paper application is December 28, 2018 at 4:30pm. Please note: the sooner you submit an enrollment application, the sooner you will receive your supplemental dental insurance card.

 

See the 2018 Dental Wisconsin plan information and 2018 EPIC Benefits+ plan information for details on current benefits.

Effective January 1, 2019, two new supplemental dental insurance plans will be offered through Delta Dental. The existing supplemental dental insurance plans – EPIC Benefits+ and Dental Wisconsin – will not be offered effective January 1, 2019. Employees may select one of the supplemental dental insurance plans (in addition to Uniform Dental, if they are enrolled in State Group Health). To enroll in a supplemental dental insurance plan you are not required to enroll in Uniform Dental.

  • Delta Dental PPO – Select
  • Delta Dental PPO Plus Premier – Select Plus

For Delta Dental provider information and to verify your dentist is in the Delta Dental network go the Delta Dental website.

NOTE: EPIC Benefits+, which includes dental, AD&D, and hospital coverage, and EPIC Benefits+ w/vision, which includes dental, vision, AD&D and hospital coverage, will not be offered in 2019. For your 2019 dental options, see the Uniform Dental Insurance Benefits and Supplemental Dental Insurance Benefits sections on this page. For your 2019 vision option, see the Vision Insurance section on this page. For your 2019 AD&D option, see the AD&D Insurance section on this page. There will not be a replacement hospital/surgery plan in 2019.

ACTION REQUIRED: Employees who are currently enrolled with EPIC Benefits+ and/or Dental Wisconsin will not be automatically enrolled in the new supplemental plans. If you want coverage, you must enroll in one of the plans during ABE.

Dental Insurance Comparison

Uniform Dental
State Group Health Enrollees only
Delta Dental PPO
Select Plan
Delta Dental PPO Plus Premier
Select Plus Plan
Provider Network Delta Dental PPO & Delta Dental Premier Delta Dental PPO only Delta Dental PPO & Delta Dental Premier
Benefit Maximum $1,000 / person $1,000 / person $2,500 / person
Deductible None $100 / person $25 / person
Preventive 100% No coverage No coverage
Basic Services 100% for Fillings
80% for Anesthesia, Emergency Pain Relief, Periodontal Maintenance
No coverage,
except Anesthesia at 50%
No coverage,
except Anesthesia at 80%
Major Services No coverage 50% 60% or 80%
Orthodontia 50% up to $1,500 (lifetime maximum)
(to age 19)
No coverage 50% up to $1,500 (lifetime maximum)
(in addition to Uniform Dental)
(includes adult ortho)

 

Dental Insurance Rates

Employee Employee + Spouse Employee + Child(ren) Family
Uniform Dental* $3.00 $8.00 $8.00 $8.00
Select** $8.55 $17.10 $11.54 $20.52
Select Plus** $16.19 $32.38 $29.95 $49.38

Rates outlined above are for active employees.
*No change to the Uniform Dental rates for 2019.
**Select and Select Plus plan rates are significantly lower compared to 2018 supplemental dental plan options.

Vision Insurance

important update:

Although the Annual Benefits Enrollment (ABE) period has closed for the year, the Department of Employee Trust Funds (ETF) has extended the enrollment deadline for VSP vision insurance. If you have not already enrolled in VSP vision insurance and would like to take advantage of the extended enrollment opportunity, you will need to complete and submit a paper application to your human resources office. Self Service will not be available for this enrollment. The extended deadline to enroll via paper application is November 9, 2018 at 4:30pm.

 

See the 2018 VSP Vision Insurance plan information for details on current benefits.

For 2019, the following changes will be made:

  • $150 retail frame allowance or $200 retail frame allowance for featured frame brands.
  • There is no charge for standard progressive lenses.
Monthly Premium Employee Employee + Spouse Employee + Child(ren) Family 
Active $6.38 $12.76 $14.38 $22.98

*Premiums are decreasing slightly.

NOTE: EPIC Benefits+, which includes dental, AD&D, and hospital coverage, and EPIC Benefits+ w/vision, which includes dental, vision, AD&D and hospital coverage, will not be offered in 2019. For your 2019 dental options, see the Uniform Dental Insurance Benefits and Supplemental Dental Insurance Benefits sections on this page. For your 2019 vision option, see the Vision Insurance section on this page. For your 2019 AD&D option, see the AD&D Insurance section on this page. There will not be a replacement hospital/surgery plan in 2019.

Individual & Family Life Insurance

See the 2018 Individual & Family Life Insurance plan information for details on current benefits.

There are no changes to the Individual & Family Life Insurance Program for 2019. However, each year, employees who have coverage in force on October 1st may increase coverage during the Annual Increase Option (AIO) period which is from October 1 – October 26, 2018.

You may increase your coverage during the AIO period either through Self Service or by submitting an Annual Increase Option Form pdf . If you wish to decrease or cancel your coverage, which you may do at any time during the year, submit a paper application to your human resources office.

Accidental Death & Dismemberment (AD&D) Insurance

See the 2018 AD&D Insurance plan information for details on current benefits.

For 2019, the following changes will be made:

  • AD&D will be added as an option in Self Service for ABE. Any changes made during ABE to your AD&D coverage will be effective January 1, 2019. If you would like to make a change to your coverage prior to January 1st, please submit a AD&D Application pdf to make the change.
  • Effective January 1, 2019, an identity theft protection benefit will be added to the AD&D Plan (LifeStages Identity Management Services from CyberScout). Additionally, a critical burn benefit and rehabilitation benefit will be added to the plan.
  • The rates, effective for January 1, 2019 (slight increase), are below.
  • As a reminder, you may enroll, change, or cancel your AD&D coverage at any time.
Coverage Level Single Coverage

Monthly Premium

Family Coverage

Monthly Premium

2018* 2019 2018* 2019
$25,000 $0.65 $0.73 $0.98 $1.10
$50,000 $1.30 $1.45 $1.95 $2.20
$100,000 $2.60 $2.90 $3.90 $4.40
$150,000 $3.90 $4.35 $5.85 $6.60
$200,000 $5.20 $5.80 $7.80 $8.80
$250,000 $6.50 $7.25 $9.78 $11.00
$300,000 $7.80 $8.70 $11.70 $13.20
$350,000 $9.10 $10.15 $13.65 $15.40
$400,000 $10.40 $11.60 $15.60 $17.60
$450,000 $11.70 $13.05 $17.55 $19.80
$500,000 $13.00 $14.50 $19.50 $22.00

*Use the chart above for the 2019 monthly premiums as Self Service reflects 2018 monthly premiums.

NOTE: EPIC Benefits+, which includes dental, AD&D, and hospital coverage, and EPIC Benefits+ w/vision, which includes dental, vision, AD&D and hospital coverage, will not be offered in 2019. For your 2019 dental options, see the Uniform Dental Insurance Benefits and Supplemental Dental Insurance Benefits sections on this page. For your 2019 vision option, see the Vision Insurance section on this page. For your 2019 AD&D option, see the AD&D Insurance section on this page. There will not be a replacement hospital/surgery plan in 2019.

Flexible Spending Account (FSA)

See the 2018 Flexible Spending Account (FSA) plan information for details on current benefits.

For 2019, the following changes will be made:

  • The Health Care FSA annual maximum contribution will increase from $2,600 to $2,650.
  • The Dependent Day Care FSA annual maximum contribution is $5,000 for the 2019 plan year.
  • The IRS has not yet released FSA maximums and limits applicable for 2019. Limits for 2019 are expected to be released after the start of ABE. The maximums and limits for 2019 will be reviewed when the information becomes available. In the event of significant changes, a decision may be made to alter the current annual contribution limits for 2019.

ACTION REQUIRED: You must enroll in the Health Care FSA or Dependent Day Care FSA each year you want to participate. Your enrollment for 2018 will not automatically continue into 2019. TASC is the administrator of these plans.

Health Savings Account (HSA)

See the 2018 Health Savings Account (HSA) plan information for details on current benefits.

For 2019, the following changes will be made:

  • The HSA annual maximum contribution will increase as outlined below.
HSA Annual Maximum Contributions
HDHP Coverage Level 2018 2019
Single $3,450 $3,500
Family $6,900 $7,000
HSA catch-up contributions (age 55 or older) $1,000 $1,000

Most employees are eligible for an employer contribution toward their HSA. There is no change to the HSA employer contribution amount for 2019, which is $750 for Single HDHP coverage and $1,500 for Family HDHP coverage.

ACTION REQUIRED: You must enroll in the Health Savings Account (HSA) each year if you enroll in a High Deductible Health Plan (HDHP). You are responsible for ensuring your eligibility for the HSA. TASC is the administrator of this plan.

Parking & Transit Accounts

The Parking & Transit Accounts are no longer available to UW System employees effective June 1, 2018. This change is due to the tax liability implications of the Tax Cuts and Jobs Act passed by the federal government effective January 1, 2018.

Other Considerations for 2019

When considering your premium deductions for 2019, you should be aware that:

  • The Income Continuation Insurance (ICI) premium will be increasing by 20%, effective February 1, 2019.
  • The amount you and UW System will contribute to the Wisconsin Retirement System (WRS) is changing from 6.7% to 6.55% for most employees, effective January 1, 2019. You will see this change on your first paycheck payable in 2019.
  • Please take this time to consider contributing to the supplemental retirement savings programs—UW Tax-Sheltered Annuity (TSA) 403(b) Program and/or Wisconsin Deferred Compensation (457) Program—to set aside money for retirement on a pre-tax or Roth (after-tax) basis.

There is no open enrollment opportunity for the following plans; you may only enroll through Evidence of Insurability, which requires medical underwriting.

  • Income Continuation Insurance
  • State Group Life Insurance
  • UW Employees, Inc. Life Insurance
  • Individual & Family Group Life Insurance

How To Enroll

When you have fully prepared and made decisions regarding your benefits, you can make your elections using Self Service*. You will be required to provide the following information in Self Service, so make sure to have this information handy.

  • Dependent names, Social Security numbers and dates of birth
  • Copy of health insurance card (if you have other health insurance coverage)

NOTE: You will not be able to make any changes until October 1, 2018.

All benefit elections made via Self Service must be submitted by 4:30pm on Friday, October 26, 2018. Paper applications must be received by your human resources office by 4:30pm on Friday, October 26, 2018. If mailing, applications must be postmarked by Friday, October 26, 2018.

Changes are effective January 1, 2019.

Forms & Publications

Forms and publications that are italicized will be made available as soon as possible.