This page walks you through the necessary steps to help you choose your health insurance plan.

Step 1 – Choose a Plan Design

Below are brief descriptions of the plan designs that the State Group Health Insurance program offers. The plan designs differ in monthly premiums, cost-sharing and whether there is out-of-network coverage. Click on each plan design in the left hand menu or review the Comparison of Health and Pharmacy Benefits pdf to determine which plan design may be best for you. Or watch ETF’s Choosing a Plan Design video.

Health Plan

The Health Plan has a lower deductible and lower out-of-pocket limits but a higher monthly premiumThis plan design only covers out-of-network benefits for emergency and urgent care services.

High Deductible Health Plan (HDHP)

The HDHP has a higher deductible and higher out-of-pocket limits but the lowest monthly premium. This plan design only covers out-of-network benefits for emergency and urgent care services.

The HDHP is paired with a Health Savings Account (HSA) to help you save for out-of-pocket health, dental and/or vision expenses. The UW System contributes to your HSA (if eligible). You may also contribute to your HSA on a pre-tax basis from your paycheck. Changes to your contributions are allowed at any time.

Not everyone is eligible for the HDHP/HSA. Click on the HDHP to learn more.

Access HEALTH Plan

The Access Health Plan provides freedom of choice for doctors and hospitals across the country; however, there are lower costs when you use in-network providers (available nationwide). In exchange for the increased flexibility in doctors, hospitals, and providers, the monthly premium is more than it is for the Health Plan and the HDHP.

Access High Deductible health plan (hDHP)

The Access HDHP provides freedom of choice for doctors and hospitals across the country; however, there are lower costs when you use in-network providers (available nationwide). This plan design has a higher deductible and higher out-of-pocket limits than the Access Health Plan. In exchange for the increased cost sharing, this plan design offers a lower monthly premium than the Access Health Plan.

The Access HDHP is paired with a Health Savings Account (HSA) to help you save for out-of-pocket health, dental and/or vision expenses. The UW System contributes to your HSA (if eligible). You may also contribute to your HSA on a pre-tax basis from your paycheck. Changes to your contributions are allowed at any time.

Not everyone is eligible to enroll in the Access HDHP/HSA. Click on the Access HDHP to learn more.

Note: The Access Health Plan and Access HDHP are administered by WEA Trust. If you choose either of these plan designs, go to Step 4. If you choose the Health Plan or the HDHP, go to Step 2.

Step 2 – Choose a Geographic Coverage Area

Review the Health Plan Search to help you select a carrier that includes the providers and hospitals in the county that you would like to receive services in. This is an important step since the Health Plan and HDHP only cover out-of-network benefits for emergency and urgent care services.

Step 3 – Choose a Health Insurance Carrier

Review the health insurance carrier quality ratings:

  • Access to specific physicians or other health care providers,
  • Referral and prior authorization requirements,
  • Plan features, (i.e. member portal, 24-hour nurse line, telehealth app),
  • Quality and member satisfaction

Step 4 – Decide if you need Uniform Dental Benefits

All health insurance plans provide medical and pharmacy benefits (no additional premium). Uniform Dental Benefits provide preventive dental services and may be added to your health insurance plan (for a minimal cost). Review the Uniform Dental Benefits to determine if you would like to add this to your Health Insurance plan.

Step 5 – Enroll or Make Changes

Enroll or make changes to your current enrollment online using Self Service. You will receive a confirmation statement via email after making your elections in Self Service. Review your confirmation statement carefully and contact your human resources office as soon as possible if you need to update your elections.

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.

Updated: 06/19/2020