Local WRS Employers
Vol. 19, Local G
October 3, 2002
2003 Health Insurance Premium Rates Provided To Local Governments
Now is a good time to review your employee health insurance needs
and compare them to the Wisconsin Public Employers (WPE) information
in this Bulletin. The WPE Group Health Insurance Program
has been available to local governments since 1987 through the Department
of Employee Trust Funds (ETF). Currently, 291 local employers participate.
More than 10,000 active and retired local employees and their dependents
are enrolled in the program.
When an employer joins the program, all Wisconsin Retirement System
(WRS) eligible employees must be offered coverage. Eligibility includes
WRS retirees covered under your current group health insurance program.
The WPE health program has no underwriting and there are no waiting
periods for pre-existing medical conditions for eligible employees
and retirees who were covered under the employer's prior group
This Bulletin contains the monthly premium rates for 2003 and a map showing plans available by county. Qualified
plans are underlined and have primary providers, a hospital, pharmacy,
chiropractor, and dentist (if applicable) physically located in
specific counties. Plans on the map that are not underlined have
limited provider availability in the county. Each employee has his
or her choice of plans offered. Each October, employees may elect
to change to a different participating plan without restriction,
or to change from single to family coverage, effective the following
The WPE Group Health Insurance Program offers two types of plans:
Standard Plan (fee-for-service indemnity) and
Health Maintenance Organization (HMO) Plans. The Standard
Plan is a self-insured health plan that pools the combined claims
experience of all participating local governments. This pool can
provide local governments with significant protection from adverse
claims experience, reduce costs, and increase negotiating power.
Blue Cross & Blue Shield United of Wisconsin provides administrative
services for the Standard Plan and State Maintenance Plan (SMP).
The HMO plans include 16 participating health organizations with
locations statewide. HMOs provide comprehensive benefits at a lower
cost than the Standard Plan in exchange for some health care provider
limitations. All employees enrolled in HMOs have the same levels
of coverage (excluding Group Health Cooperative - South Central)
with the exception of dental coverage, which may be offered at the
discretion of the plan. Uniform Benefits were designed to ease employee
plan selection and assist ETF's efforts to negotiate quality
care at the lowest possible cost. With Uniform Benefits, an HMO
can be chosen based on cost, quality of services, and access to
specific physicians or other health care providers.
For more information on the WPE Group Health Insurance Program,
contact Rick Parpart, ETF, Division of Employer Services, P.O. Box
7931, Madison, WI 53707-7931. Call (608) 267-2198, FAX (608) 266-5801,
or e-mail firstname.lastname@example.org.
Information about Health Insurance and other benefit programs is
also available on our Internet site at etf.wi.gov.
20.1 Other Benefit Programs
In addition to the WPE Group Health Insurance Program, ETF administers
the Group Life Insurance Program, the WPE Income Continuation Insurance
Program, and the Wisconsin Deferred Compensation Program. Local
government employers who participate in the WRS may join any of
- The Group Life Insurance Program includes basic, supplemental,
additional, and spouse and dependent plans. Employers may join
the basic plan, or the basic plan plus any one or any combination
of the other plans.
- The Income Continuation Insurance Program provides protection
against the loss of income in situations of short or long-term
- The Wisconsin Deferred Compensation Program is an Internal Revenue
Code Section 457 supplemental retirement savings plan. It allows
participants to invest a portion of their pre-tax earnings in
a variety of investment options. Federal and state tax are deferred
on the amounts deposited and the investment earnings until they
are distributed to the participant, normally at retirement.
If you would like more information on any of these benefit programs,
complete this form and send to:
Department of Employee Trust Funds
Attn: Rick Parpart
P.O. Box 7931
Madison, WI 53707-7931
or FAX your request to ETF at (608) 267-4549.
Employer Identification Number (EIN):
Area Code ( )
|Send me information on the following:
- Wisconsin Public Employees Group Health Insurance
- Group Life Insurance
- Wisconsin Public Employers Income Continuation Insurance
- Wisconsin Deferred Compensation