As of September 15, 2022, ALEX is no longer available. Below are resources to help you with your benefits decisions for the 2022 plan year.
- For help with your health insurance plan decisions, review the how to choose your health insurance plan web page.
- To compare your dental insurance plan options, use the dental insurance plan comparison.
- To determine if you need vision insurance, review the vision insurance summary.
- To decide if you want life insurance, and if so what plans, use the life insurance comparison.
- For an estimate of your benefits insurance premium deductions, use the benefits walkthrough.
To review other benefits available to you as a UW System employee, visit the UW System Employee Benefits website.
What was ALEX?
ALEX was an interactive decision-support tool and an informative, virtual benefits counselor that helped employees learn about the UW System’s comprehensive benefits in a personalized way.
What was ALEX like?
- ALEX spoke in plain English – no insurance jargon
- ALEX was interactive and engaging
- ALEX personalized and customized each session
- ALEX could be accessed anytime, anywhere there was an internet connection
- ALEX was anonymous
Frequently Asked Questions
If you have questions about your benefits after reviewing the resources mentioned above, contact your institution benefits contact.
It is important to understand what these terms mean so you can understand your potential out-of-pocket costs. Use the Glossary of Health Coverage and Medical Terms, provided by the U.S. Department of Labor.
For information about the major health systems for each insurance carrier and links to each insurance carrier’s provider directory, review the 2022 Health Plan Search.
Each health insurance carrier offers two plan designs: the Health Plan and High Deductible Health Plan (HDHP). Both plan designs provide the same benefits. You need to decide if you want the Health Plan or HDHP and then select the health insurance carrier that best meets your needs (based on which hospitals, doctors, and clinics you want to use). To help you determine which plan design may be best for you, view the Plan Design Options eLearning video, provided by the Department of Employee Trust Funds.
When enrolled in an HDHP, you are financially responsible for all non-preventive medical expenses incurred, including most pharmacy benefits costs, until you meet the annual deductible. A deductible is the amount you pay for medical costs before your health insurance starts to pay a portion of the costs. For instance, for a family HDHP with a $3,000 deductible, you’ll have to cover $3,000 in medical costs out of your own pocket before your insurance starts to pay benefits.
If you enroll in an HDHP, you are required to enroll in a Health Savings Account (HSA). An HSA is an individually-owned, triple tax-advantaged savings account you may use to pay for eligible medical, dental, vision, and prescription expenses for you, your spouse and qualifying dependents. To enroll in an HDHP and an HSA, you must be eligible for both.
To learn more about whether an HDHP is right for you, view the following Plan Design Options eLearning video, provided by the Department of Employee Trust Funds.
The HDHPs and Health Plans both have deductibles before benefits are payable. The difference is the amount of the deductible and what it applies to. Both plan designs cover an annual preventive exam at no cost to you (unless there are services provided during the exam that are not considered preventive).
If you have family coverage with an HDHP:
You will pay for non-preventive medical services until you meet your annual $3,000 family deductible ($1,500 for single coverage). This includes visits to medical providers, including chiropractor, physical therapy, tests, procedures, facility charges, and pharmacy benefits. Benefits are payable once the deductible is met.
Prescription drugs are subject to the deductible.
If you have family coverage with a Health Plan:
You will pay for non-preventive medical services until you meet your annual $500 family deductible ($250 for single coverage). If an individual within a family plan meets the annual individual $250 deductible, benefits are then payable by the plan for this individual. This includes tests, procedures, and facility charges.
Visits to medical providers, including chiropractor, and physical therapy, are subject to the office visit copay (even if the deductible has not been met).
Prescription drugs are not subject to the deductible; however, copayments and coinsurance will apply.