May 29, 2014
Wisconsin Public Employer (WPE) Group Health Insurance - HDHP/HSA changes in myETF Benefits
The Group Insurance Board approved ETF’s recommendations related to the administration, design and eligibility criteria for the High Deductible Health Plan (HDHP). By statute, the HDHP goes into effect on January 1, 2015. All health plans will offer an HDHP option. Any WPE employer that decides to enroll all or certain classes of employees (e.g. collective bargaining units) in this HDHP will need to file a resolution with ETF by October 1, 2014, in order to have the new program option available (PO7). Individual employees cannot choose between program options.
This summer, ETF will make the necessary changes to myETF Benefits to accommodate this enrollment for this year's It's Your Choice Open Enrollment period (details will be shared later). This includes adding the following coverage types and related eligibility edits:
Single HDHP: 11
Family HDHP: 12
Medicare-Family 1: 16
Insured annuitants and their dependents over age 65 (employee types 05 or 07) are not eligible for the HDHP plan. They will be offered the benefits under PO2, the Traditional Uniform Benefits or Medicare Plus plans. Subscribers who are enrolled in Medicare or any other disqualifying health plan (i.e. another health insurance plan including a medical flexible spending account or Tricare) are not eligible to enroll in the HDHP.
Employers that choose PO7 for all employees will not need to change their Employer Group Number. Employers that have more than one program option will be assigned a new Employer Group number for any additional program options. These are assigned in the following order:
(If there are no program offering changes for 2015, ETF will not assign new Employer Group Numbers.)
Employees enrolled in an HDHP are eligible to contribute into either a Health Reimbursement Arrangement (HRA) or a Health Savings Account (HSA). Local employers have the option to offer one of these account-based plans to their employees, and will be responsible for sponsoring their own plan (either via contracting with a vendor or establishing its own system).
Questions related to the HDHP can be directed to ETF’s Insurance Administration Bureau at 1-877-533-5020 (608-266-3285 local Madison) or at ETFHealthandIns@etf.wi.gov.