Plan Design Overview
The High Deductible Health Plan (HDHP) allows you to choose from a variety of local health insurance plan carriers that offer the same Uniform Benefits that include medical and prescription drug coverage (at no additional cost). This plan has a higher deductible and higher out-of-pocket limits but the lowest monthly premium.
In exchange for the increased cost sharing, this plan design is paired with a required Health Savings Account (HSA) to help you prepare for your out-of-pocket expenses. The UW System contributes to the HSA and employee contributions are optional (if eligible). Review the HSA eligibility requirements to determine if you are eligible for the HDHP.
- Compare the HDHP to the other plan designs to determine if it will meet your needs.
- This plan design only covers out-of-network benefits for emergency and urgent care services.
For detailed information, review the Certificate of Coverage.
Note: Employees eligible for the Graduate Assistant/Short-Term benefit package are not eligible for the HDHP.
This plan design only covers out-of-network benefits for emergency and urgent care services. For this reason, it is important to use the Health Plan Map to help select the health insurance plan carrier that includes the providers and hospitals in the preferred county that services will be received in.
In Network Coverage
Uniform Benefits refers to the schedule of benefits provided by each health insurance plan carrier. The purpose of Uniform Benefits is to help manage the rising cost of health insurance and simplify your selection of a health plan. Because all health insurance plan carriers administer the same schedule of benefits, you can decide which plan to select based on:
- Quality and member satisfaction
- Provider network
- Referral policies
Uniform Benefits does not mean that all plans will treat all services in an identical manner. Treatment will vary depending on the needs of the patient, the providers involved and the managed care policies and procedures of each health insurance plan carrier.
Routine preventive care will be covered at 100%, even if you have not met the deductible. Here is a list of preventive care services, as identified by the Patient Protection and Affordable Care Act.
For non-preventive care, you must meet the annual deductible first. This means that you will pay for all medically necessary services out-of-pocket until you meet the deductible, including prescriptions. Once you meet the deductible, Uniform Benefits will take effect and you will pay either an office visit copay (flat dollar amount) or coinsurance (percentage) on other medically necessary care until you reach the annual out-of-pocket limit.
Deductible: $1,500 Single/ $3,000 Family
The HDHP has a non-embedded deductible. This means that if you have Family coverage, the full family deductible must be met before services are covered for any individual. This deductible includes both medical services and prescription drug benefits and applies to the annual out-of-pocket limit. Once your deductible has been met, you will pay:
- $15 copay for office visits
- $25 copay for specialty office visits (includes specialty providers, urgent care, vision exam)
- $75 copay for emergency room visits (waived, if admitted). Deductible and coinsurance applies to services beyond the copay.
- 10% coinsurance on most services except for office visits
See the Guide to Office Visit Copays for more information on office visit charges.
Out-of-Pocket Limit: $2,500 Single/ $5,000 Family
The annual out-of-pocket limit for the HDHP includes both medical and prescription drug expenses. Once you reach your annual out-of-pocket limit, the plan pays 100% of most covered benefits for the remainder of the calendar year.
This plan design only covers out-of-network services for emergency and urgent care. Contact your health plan immediately if you seek out-of-network emergency and/or urgent care services.
Prescription drug coverage is included in all health plan designs at no additional cost and is provided by Navitus Health Solutions. Under the HDHP design, you will be responsible for paying the total costs of prescriptions until you meet the deductible.
After you meet the deductible, you will be required to pay either a copay or coinsurance depending on the level of the drug. All covered prescription drugs fall into one of four cost-sharing levels, including Level 1 for most generic drugs and Levels 2, 3 and 4 for most brand-name drugs.
Uniform Dental Benefits may be added to your health insurance coverage for a minimal cost. In the left hand menu, click “Dental & Vision Insurance” then “Uniform Dental Benefits” to learn more.
For State Group Health Insurance premiums, see the Premiums page.
Forms & Resources
For all State Group Health Insurance forms and resources, click here.
last updated: 04/18/2019
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.