Annual Benefits Enrollment for 2020 has ended.

Benefit changes made for the 2020 plan year are outlined below. Visit the main Employee Benefits website for more information.

Updated: 11/05/2019

What is Annual Benefits Enrollment?

The Annual Benefits Enrollment (ABE) period is an annual opportunity for eligible employees to enroll in or make changes to most benefit plans for the upcoming year. This is the only time you are eligible to make changes unless you have a qualifying life event, such as a family or employment change.

Changes made during this period will be effective January 1, 2020.

Note: This page contains information about benefits and changes for 2020. Information about 2019 benefits may be found on the Employee Benefits Website.

Attend a  Benefits Fair to talk with the benefit plan vendors in-person!

Click here to access a video that summarizes the changes for 2020.

Remember – ALEX is able to help!

ALEX is an online decision-support tool that acts as an informative, personalized benefits counselor to help you learn more about the benefits that UW System offers.

Use ALEX to help you make informed decisions for 2020! Note: The 2019 version of ALEX will also continue to be available throughout ABE.

Chrome or Firefox are the preferred browsers for ALEX.

Benefits Changes for 2020

Benefits changes for 2020 may impact your coverage; therefore, action may be required. Review this page thoroughly to understand the changes for 2020. This will allow you to make informed decisions for you and your family.

Employee Premiums: The State Group Health Insurance premiums and Dental Insurance premiums will increase slightly effective January 1, 2020. See the appropriate sections below for more information. Employee premiums for all other plans will remain the same effective January 1, 2020. Current 2019 premiums can be found here.

Note: Income Continuation Insurance and State Group Life Insurance premiums will increase shortly thereafter. See the Other Considerations for 2020 section below for additional information.

State Group Health Insurance

Review the State Group Health Insurance page for details on current 2019 benefits.

For 2020, the following changes will be made:

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

  • Health Insurance – Employee Premiums
    • Slight increase effective January 1, 2020. See chart below for details.
  • Health Insurance – Plan Design
    • No plan design changes (i.e. deductibles, out-of-pocket limits and maximum out of pocket limits).
  • Health Insurance – Covered Services
    • Congenital defects services will no longer require continuous coverage.
    • Add coverage for bariatric surgery and other weight loss service for members with body mass index (BMI) of 35 or greater; coverage of BMI of less than 35 will be determined by health insurance plan carriers based on medical necessity.
  • Health Insurance Carriers – No Longer Available
    Employees enrolled in the following plans in 2019 that need health insurance in 2020 must select a different plan during ABE!

    • Security Health Plan – Central
    • Security Health Plan – Valley

In each area where Security Health Plan will no longer be available, there are at least two other options. Ninety-seven percent of Security Health Plan providers are covered by other health plan carriers in the program.

  • Health Insurance Carriers – Network Expansions:
    The following health insurance carriers will expand their health insurance networks in 2020:

    • Dean Health Plan – Prevea360: will expand to include Barron, Buffalo, Chippewa, Dunn, Eau Claire and some providers in Pepin County.
    • WEA Trust – East: will expand to include Langlade, Lincoln, Oneida, Price, Taylor, Vilas and some providers in Forest County.
    • Network Health: will expand to include Marathon County.

State Group Health Insurance – 2020 monthly Premiums (active employees)

Health Plan
(WRS benefit package)
High Deductible Health Plan (HDHP)
(WRS benefit package)
Health Plan
(non-WRS Graduate Assistant / Short-Term Academic Staff benefit package)
Single Family Single Family Single Family
Health Plan & HDHP (excluding Access Plans) $89.00 $222.00 $31.00 $78.00 $44.50 $111.00
Access Health Plan & Access HDHP $269.00 $670.00 $211.00 $526.00 $134.50 $335.00
Access Health Plan & Access HDHP (required if work outside of WI) $143.00 $358.00 $85.00 $214.00 $71.50 $179.00

All employee premiums in the above chart are without Uniform Dental. Review the chart in the dental section below for the employee dental premiums for 2020.

Note: The health plan and HDHP plan designs do not provide out-of-network coverage except for emergencies and urgent care situations.

IMPORTANT

Visit the Health Plan Search to find a health insurance carrier that will provide in-network services in the county you will seek services in.

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

If you are not changing your health plan carrier for 2020:

  • And you do not currently have a designated PCP, you should contact your health plan carrier to designate a PCP or request assistance with selecting a PCP.
  • And you currently have a designated PCP, you do not need to contact your health plan carrier.

If you are changing your health plan carrier for 2020:

  • And would like to designate a PCP, contact your new health plan carrier after ABE.
  • And you do not designate a PCP, your new health plan carrier will contact you directly to designate a PCP or auto-assign a PCP and provide information on how to update your PCP.

Health Insurance Opt-Out Incentive

If you do not need health insurance coverage through the UW System, you may be eligible for the Health Opt-Out Incentive. The Opt-Out Incentive is taxable and the $2,000 is paid evenly over 12 pay periods for monthly-paid employees and 24 pay periods for biweekly-paid employees. Enrollment is required each year to receive the Opt-Out Incentive. Enroll in the “Health Ins Opt-Out Incentive” through Self-Service. See the How to Enroll section below for more information on enrolling.

Review the Health Insurance Opt-Out Incentive page for details on the Opt-Out Incentive.

Pharmacy Benefits

Review the Pharmacy Benefits page for details on current 2019 benefits. Pharmacy benefit employee premiums are included in your State Group Health Insurance premiums.

For 2020, the following changes will be made:

  • Vaccines will be covered at in-network retail pharmacies to improve member access to these services

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

Wellness Resources

The $150 Well Wisconsin incentive is available to you and your spouse in 2020 if you enroll in State Group Health Insurance. To earn the 2020 incentive, complete a health screening, health assessment questionnaire, and one of the Well-Being activities (by October 9, 2020). Visit the StayWell website for more information.

Reminder: The deadline for the 2019 incentive is October 11, 2019.

Review the employee benefits website for information on other wellness resources (e.g. Employee Assistance Program (EAP), flu shot clinics and wellness webinars).

Uniform Dental Insurance

Review the Uniform Dental page for details on current 2019 benefits.

For 2020, the following changes will be made:

  • Increase coverage for periodontal maintenance from 80% to 100%.
  • Add coverage for pulp vitality tests (helps a dentist determine a treatment plan), caries assessment (helps a dentist predict future dental health) and sealant restorations.
  • Slight increase to employee premiums effective January 1, 2020. See chart below for details.

Preventive Dental Insurance (new plan)

This plan, administered by Delta Dental, is available to employees who want preventive dental services and waive State Group Health OR elect the Health Opt-Out Incentive.

  • Provides the same coverage as the Uniform Dental Benefit for diagnostic, preventive, basic and orthodontic services.
  • You are only eligible for either the Uniform Dental Benefit or the Preventive Dental Insurance Plan; therefore, you may only enroll in one (not both).
  • You may enroll in this plan and a supplemental dental plan (Select or Select Plus plan).
  • Has higher premiums than the Uniform Dental Benefit. See chart below for details.

Supplemental Dental Insurance

Review the Supplemental Dental Insurance Plan page for details on current 2019 benefits.

FOR 2020, THE FOLLOWING CHANGES WILL BE MADE:

  • Slight increase to employee premiums effective January 1, 2020. See chart below for details.

Dental Insurance Comparison

Uniform Dental Insurance and

Preventive Dental Insurance

Supplemental Dental –

PPO Select

Supplemental Dental –

PPO Plus Premier Select Plus

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, Periodontal Maintenance, 80% for Anesthesia, Emergency Pain Relief No coverage,
except Anesthesia at 50%
No coverage,
except Anesthesia at 80%
Major Services No coverage 50% 60% or 80% (varies by service)
Orthodontia

(lifetime maximum)

50% up to $1,500
(to age 19)
No coverage 50% up to $1,500
(in addition to Uniform or Preventive Dental)
(includes adult ortho)

 

Dental Insurance – 2020 monthly Premiums (active employees)

Uniform Dental* Preventive Dental Supplemental Dental –

PPO Select*

Supplemental Dental –

PPO Plus Premier Select Plus*

Employee $4.00 $30.20 $9.28 $16.82
Employee + Spouse $9.00 $75.50 $18.56 $33.64
Employee + Child(ren) $9.00 $75.50 $12.52 $31.12
Family $9.00 $75.50 $22.28 $51.30

*Slight increase for 2020.

Vision Insurance Plan

Review the Vision Insurance Plan page for details on current 2019 benefits. There are no changes to coverage or employee premiums for the Vision Insurance Plan for 2020.

Individual & Family Life Insurance

Review the Individual & Family Life Insurance page for details on current 2019 benefits.

There are no changes to the Individual & Family Life Insurance Program for 2020. However, if you have coverage in force, you may increase coverage during the Annual Increase Option (AIO) period; September 30 – October 25, 2019. You may increase your coverage through Self Service or by submitting an Annual Option to Increase Life Insurance Coverage Form pdf . To decrease or cancel your coverage at any time, submit a paper application to your institution’s human resources office.

Accidental Death & Dismemberment (AD&D) Insurance

Review the AD&D Insurance page for details on current 2019 benefits. There are no changes to the AD&D Insurance plan or employee premiums for 2020.

You may enroll, change, or cancel your AD&D coverage at any time. Changes made during ABE to your AD&D coverage will be effective January 1, 2020. If you would like to change your coverage prior to January 1st, submit a AD&D Application pdf .

Accident Insurance (new plan)

This plan, administered by Securian Financial, is available to employees who want coverage for accidents and catastrophic events (e.g. fractures, stitches, hospitalization). The plan helps cover unexpected out-of-pocket expenses by providing a lump sum payment for illness or injury due to accident. Additional features of the plan include:

  • Coverage for employee, spouse and child(ren)
  • Accidental Death and Dismemberment Coverage
  • Identity Theft coverage from Generali Global Assistance
  • Coverage may be continued when employment ends

You may enroll in this plan during the ABE period (September 30 – October 25, 2019) or if you have a qualifying life event.

Monthly Premiums
Employee Only $3.26
Employee + Spouse $4.94
Employee + Child(ren) $7.10
Family $10.46

Note: ID Cards are not issued for this plan. Employees (not your providers) file claims directly with Securian.

Review the Accident Insurance page for more information.

Spending and Savings Accounts (FSA and HSA)

Effective January 1, 2020, ConnectYourCare (CYC) will be the new administrator for the Flexible Spending Accounts (FSA) and Health Savings Account (HSA). TASC will no longer provide services as of December 31, 2019. More information on this transition can be found on the FSA and HSA – 2020 Vendor Change Page.

Flexible Spending Account (FSA)

See the FSA page for details on current 2019 benefits.

For 2020, the following changes will be made:

  • Health Care FSA: Annual maximum contribution will be $2,700.
  • Dependent Day Care Account: Annual maximum contribution remains $5,000 per household.

The IRS will release FSA maximums for 2020 after the start of ABE. In the event of significant changes, the current annual contribution maximums for 2020 may change.

ACTION REQUIRED: You must enroll in the Health Care FSA and/or Dependent Day Care Account each year you want to participate.

Health Savings Account (HSA)

See the HSA page for details on current 2019 benefits and the eligibility requirements.

For 2020, the following changes will be made:

  • The HSA annual maximum contribution will increase as outlined below.
HSA Annual Maximum Contributions*

(amount inclusive of employer and employee contributions)

HDHP Coverage Level 2019 2020
Single $3,500 $3,550
Family $7,000 $7,100

*Employees that are or will attain age 55+ in 2020 may contribute an additional $1,000 to their HSA.

Most employees are eligible for an employer contribution toward their HSA. There is no change to the HSA employer contribution amount for 2020:

  • Single HDHP: $750 (if eligible for the entire calendar year)
  • Family HDHP: $1,500 (if eligible for the entire calendar year)

ACTION REQUIRED: You must enroll in the Health Savings Account (HSA) each year if you enroll in a High Deductible Health Plan (HDHP).

Other Considerations for 2020

  • Wisconsin Retirement System (WRS): The contribution you and UW System make to the WRS will increase from 6.55% to 6.75% for most employees, effective January 1, 2020. You will see this change on your first paycheck in 2020.
  • Income Continuation Insurance (ICI): The premium will increase 20%, effective February 1, 2020.
  • Long-Term Care Insurance: Will no longer be available as of December 31, 2019. Policies purchased by December 31, 2019 will continue with no disruption.
  • State Group Life Insurance: Effective April 1, 2020, the employee coverage premium will increase 5% and the Spouse & Dependent coverage premium will decrease from $2.50 per unit of coverage to $2.26 per unit of coverage.
No open enrollment opportunity for the below plans; you may enroll through Evidence of Insurability (requires medical underwriting).
  • Income Continuation Insurance
  • State Group Life Insurance
  • UW Employees, Inc. Life Insurance
  • Individual & Family Group Life Insurance
Enroll in the following plans at any time during the year:
  • UW Tax-Sheltered Annuity (TSA) 403(b) Program
  • Wisconsin Deferred Compensation (457) Program

Changes Allowed During ABE

Benefit Plan What Changes are Allowed during ABE? Add or Remove Dependents* Cancel
State Group Health Insurance Enroll, Change Plan Design and/or Carrier Yes Yes
State Group Health Insurance
Opt-Out Incentive
MUST re-enroll each year N/A N/A (automatically ends December 31st)
Uniform Dental Insurance Enroll

(if enrolled in State Group Health)

Yes Yes
Preventive Dental Insurance (new plan) Enroll

(if not enrolled in State Group Health

Yes 2020: N/A

2021: Yes

Supplemental Dental Insurance Enroll, Change Plans (Select OR Select Plus) Yes Yes
Vision Insurance Enroll Yes Yes
Individual & Family Life Insurance Annual Increase Option

(current enrollees only)

No – Add

Yes – Remove (anytime)

Yes (anytime)
Accidental Death & Dismemberment Insurance Enroll, Change Volume of Coverage Yes Yes (anytime)
Accident Insurance                    (new plan) Enroll Yes 2020: N/A

2021: Yes

Flexible Spending Accounts MUST re-enroll each year N/A N/A (automatically ends December 31st)
Health Savings Account
(must have High Deductible Health Plan)
MUST re-enroll each year N/A N/A (automatically ends December 31st)

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

How To Enroll

Once you have made your benefits plan decisions, enroll through Self Service. You will be required to provide the below information, so 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)

You may make changes beginning September 30, 2019. All benefit elections must be submitted by Friday, October 25, 2019 (4:30 p.m). Paper applications must be received by your human resources office by Friday, October 25, 2019 (4:30 p.m). Changes are effective January 1, 2020.

Forms & Resources

Individual & Family
Life Insurance

Every effort has been made to ensure this information is current and correct. Information on this page does not guarantee enrollment, benefits and/or the ability to make changes to your benefits.