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Wisconsin Department of Employee Trust Funds header image It's Your Choice 2016 State of Wisconsin Group Health Insurance Program
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Wisconsin Department Of Employee Trust Funds

It's Your Choice 2016


State of Wisconsin
Group Health Insurance Program
(State Employees, Retirees, Continuants and Graduate Assistants)

HDHP Health Insurance Option With HSA

Important Health Savings Account News & Notes

There are two different high deductible health plan (HDHP) options available to you:

It's Your Choice High Deductible Health Plan

The It's Your Choice High Deductible Health Plan (IYC HDHP)—formerly the High Deductible Health Plan—provides the same uniform benefits package and health plan providers as the It's Your Choice Health Plan. The difference is that this plan option has a higher deductible and out-of-pocket limits. In exchange for the increased cost sharing, this design is paired with a required Health Savings Account into which your employer deposits money, if you are eligible. This plan offers a lower monthly premium cost.

It's Your Choice Access High Deductible Health Plan

The It's Your Choice Access High Deductible Health Plan (IYC Access HDHP)—formerly the High Deductible Standard Plan—provides freedom of choice for doctors and hospitals across the country, along with a higher deductible and out-of-pocket limits. In exchange for the increased cost sharing, this design is paired with a required Health Savings Account into which your employer deposits money, if you are eligible. Your monthly premium contribution amount is less than the It's Your Choice Access Health Plan.

 

IYC HDHP Program Facts

The IYC HDHPs will be offered through each of the health plans that are a part of the State of Wisconsin Group Health Insurance Program. Each health plan’s HDHP option will provide a uniform set of benefits.

An HDHP is a health plan that, under federal law, has a minimum annual deductible and a maximum annual out-of-pocket limit.

An HDHP generally begins paying for health care costs once the annual deductible has been met (except for preventive services mandated by federal law). Preventive services mandated by federal law are covered at 100%, regardless of the deductible. The plan is designed to offer a lower monthly premium in exchange for more shared health care costs by the member.

Program Annual Deductibles


Coverage Level

Deductible Amount

Individual Plan

$1,500

Family Plan

$3,000

When Deductible is Met

When the deductible is met, office visit copayments or coinsurance apply. The deductible does apply to pharmacy benefits. After the deductible is met, pharmacy copayments and coinsurance apply up to the out-of-pocket limit. In a family plan, the entire $3,000 deductible must be met before coverage begins.

IYC HDHP Benefits

Check out the comparison of benefits for details on HDHP benefits for both plan designs.

The full Certificates of Coverage can be found above, under the Benefits tab.

 

HSA Information

A health savings account (HSA) is a savings or investment account set up to pay for health care expenses or to save for future health care expenses. HSAs are owned by the individual employee and balances roll over annually. In addition, the funds in an HSA are portable, meaning that the employee keeps them if they leave the health plan or state service.

HSA Quick Facts

  • Your employer will contribute to your account in 2016 if you are eligible.
  • You can also contribute pre-tax dollars up to the federal contribution limit. Note: Limited term employees are not eligible to contribute pre-tax, but can realize the tax savings on their tax return.
  • You can use the funds in your HSA to pay for eligible health care expenses such as costs incurred towards the deductible, dental, vision and prescription drugs.

Employer HSA Contribution Amounts

This is the amount your employer will deposit to your HSA  in 2016, if you are eligible.


Coverage level

2016 contribution amount

Individual Plan

$750.00

Family Plan

$1,500.00

 

HSA Contribution Limits

This is the total amount that the IRS allows to be contributed to an individual HSA during 2015. If a married individual’s spouse also has an HSA, the two can only contribute up to the total contribution limit between the two HSAs.

Coverage level

Annual contribution limit*

Additional annual catch-up contributions for those between 55-65 years old

Individual Plan

$3,350

$1,000

Family Plan

$6,750

$1,000

* Contributions from all sources, such as employee and employer, count towards meeting the annual contribution limits.

Employer HSA Contribution Eligibility

Only active employees who are participating in the HDHP and HSA will be eligible for an employer HSA contribution. When an employee leaves state service (including retirees), they will become responsible for paying all fees associated with the HSA. The monthly maintenance fee is $3 per month and is automatically deducted from the account. HSAs with a zero balance for 90 days will be automatically closed.

Employer HSA Contribution Timing

State employer HSA contributions in 2016 for employees who are paid biweekly will be provided in 24 payments. For employees who work for agencies covered by STAR, these payments will occur on the first two checks payable within the month. Employees paid monthly will receive one payment per month. Employees changing coverage due to a qualifying event, or those obtaining state coverage after January 1, will receive the full annual employer contribution amount spread out in equal amounts over the remaining eligible paychecks in the calendar year. Employees who leave state service will not receive any payments that would have occurred on future paychecks.

Use of HSA Funds

You can use the funds* in your HSA to pay for qualified medical, dental and prescription drug expenses for yourself and your eligible tax dependents. You can find a list of qualified expenses and the definition of eligible tax dependents at etf.wi.gov.

*HSA funds will only be available as they are contributed.

Important Information for RETIREES

Retirees are required to have an active State HSA if they are enrolled in an HDHP. Retirees are responsible for the $3 per month account maintenance fee. Retirees must keep adequate funds in the account to cover the $3 monthly fee. HSAs with a zero balance for 90 days will be closed automatically. If the account is not active, you will no longer be eligible for the HDHP.

HSA Administrator

The State of Wisconsin sponsored HSA will be administered by Total Administrative Services Corporation (TASC). You can visit the TASC website at tasconline.com to learn more about HSAs, and to enroll. To enroll online, you will need a registration code. Please contact your employer for that registration code. A TASC representative will be available at many of the fall benefit fairs.


How to Enroll

The HSA Program requires re-enrollment for 2016.

The Open Enrollment period for the 2016 Plan year is October 5th to October 30th, 2015. You are encouraged to enroll online, but can enroll via telephone or paper application.

By October 30th, you will need to complete the following actions:

  • Review your health, vision and dental benefits for the 2016 plan year to determine the available benefits, coinsurance, copayments and deductible. Also, review the Navitus formulary to determine your out-of-pocket drug expenses.
  • Log in to enroll and process your elections. It's your choice whether or not you elect to contribute to your HSA via payroll deduction (if eligible).

New Website
For 2016, TASC has moved to a new platform and mobile application.

The 2015 TASC website and your login credentials will not be valid for 2016.*

To log in and enroll, go to https://partners.tasconline.com/ETFEmployee.

Use the following for first time log in:
Username: First initial of first name + full last name + DOB (mmddyy) + last 4 digits of SSN
Example: jsmith0315815643
Password: First initial of first name + full last name + DOB (mmddyy) + last 4 digits of SSN
Example: jsmith0315815643 (same as username)
Click “Enroll Now” to begin enrollment.

For detailed plan information and an online enrollment guide, please click the Tools and Support tab after logging in.

Enrollment Help & Questions: If youb have difficulties logging on, enrolling online or have questions, you can contact a TASC Customer Representative at 608-241-1900 or toll-free at 844-786-3947

* 2015 benefit information will not be in the new TASC platform. You will continue to access the current MyTASC website to access your 2015 benefit information.

New Mobile Application
The new mobile application will provide you with access to all of the following accounts: FSA, HSA, and Transit & Parking beginning January 1, 2016. You can download the new mobile application prior to January 1st, 2016 but will not be able to submit claims, view account information until the plan goes live January 1, 2016. More information here.

In order for you to be able to access your 2015 benefits, you will use the current 2015 mobile application.

TASC Debit Card for 2016
All enrollees will receive a new TASC debit card for 2016. The new debit card will be branded with TASC and ETF logos.

 

HDHP and HSA Eligibility

Who is eligible?

State employees, except those who are eligible for the graduate assistant/short term academic staff benefits package and are not in the Wisconsin Retirement System.

Limited Term Employees (LTEs) who are eligible for the State of Wisconsin Group Health Insurance Program.

Retirees younger than age 65.

Who is Ineligible?

  • Medicare-eligible retirees 65 and older.
  • Anyone on Medicare or covered by another disqualifying health plan (i.e. spouse’s health plan, TRICARE). Important note: You must notify ETF of any other medical coverage when enrolling in, and at any point while enrolled in, the HDHP and HSA.
  • Those eligible for the graduate assistant/short term academic staff benefits package and are not in the WRS.
  • Those who are a dependent of another person for tax purposes (not including your spouse).

Premium Rates

See the employee contribution rates and the premium rate charts, under Health Plan Options above, to compare HDHP and HSA rates with traditional rates.

Limited Purpose Flexible Spending Account

Individuals who enroll in the HDHP and HSA are not allowed to have a regular health care flexible spending account (FSA), otherwise known as an employee reimbursement account (ERA), according to IRS rules. This is because FSAs are considered to be disqualifying “other” insurance coverage by the IRS. Therefore, ETF will offer a Limited Purpose Flexible Spending Account (LPFSA). An LPFSA can be used for vision, dental and post-deductible expenses only. The annual contribution limit for an LPFSA is $2,500, the same as a regular health care FSA. The LPFSA is new for 2015 and will also be administered by TASC.
You are only eligible to enroll in the LPFSA if you are also enrolled in both the HDHP and HSA. In general, both the HSA and LPFSA qualify for the same health care expenses and each type of account has annual contribution limits. As a result, some participants who save money in their HSA or have high dental or vision expenses may be interested in having this additional account (LPFSA) to contribute pre-tax dollars.

Learning Resources

E-Learning modules can be found at etf.wi.gov. Find out more by contacting TASC at tasconline.com, or 1-800-422-4661.

Disclaimer:
Every effort has been made to ensure that this information is accurate, but may be subject to change. Please note revision dates located at the bottom of each page. In the event of conflicting information, federal law, state statute, state health contracts and/or policies and provisions established by the State of Wisconsin Group Insurance Board shall be followed.

This page was last modified on: 12/18/2015 10:30:23 AM