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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)

Plan Design Options

Below are the health plan designs you have to choose from. Take a moment to read about these options and see which one is best for you. Not everyone is eligible for HDHP; see eligibility information below. For benefit information, see the Comparison of Medical Benefits chart.

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IT’S YOUR CHOICE HEALTH PLAN

With the It’s Your Choice Health Plan–formerly Coinsurance Uniform Benefits–you can choose from a variety of health plan providers that offer the same uniform benefits package. For benefit information, see the Comparison of Medical Benefits chart.

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IT’S YOUR CHOICE HIGH DEDUCTIBLE HEALTH PLAN

The It’s Your Choice High Deductible Health Plan–formerly 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 Health Savings Account into which your employer deposits money, if you are eligible. (See employer contribution amounts.) This plan offers a lower monthly premium cost.

High Deductible Health Plan: Who Is Eligible

  • State employees who are not covered by any other medical health insurance program, except those eligible for the graduate assistant/short-term academic staff benefits package and not in the Wisconsin Retirement System.
  • Limited-term employees eligible for the State of Wisconsin
    Group Health Insurance Program.
  • Annuitants younger than age 65.

For benefit information, see the Comparison of Medical Benefits chart.

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IT’S YOUR CHOICE ACCESS HEALTH PLAN

The It’s Your Choice Access Health Plan–formerly the Standard Plan–provides freedom of choice for doctors and hospitals across the country. In exchange for the increased flexibility in medical providers, your monthly premium cost is more than the It’s Your Choice Health Plan and the It’s Your Choice High Deductible Health Plan options. For benefit information, see the Comparison of Medical Benefits chart.

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IT’S YOUR CHOICE ACCESS HIGH DEDUCTIBLE HEALTH PLAN

The It’s Your Choice Access High Deductible Health Plan–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 Health Savings Account into which your employer deposits money, if you are eligible. (See employer contribution amounts.) The member’s monthly premium cost is less than the It’s Your Choice Access Health Plan.

High Deductible Health Plan: Who Is Eligible

  • State employees who are not covered by any other medical health insurance program, except those eligible for the graduate assistant/short-term academic staff benefits package and not in the Wisconsin Retirement System.
  • Limited-term employees eligible for the State of Wisconsin
    Group Health Insurance Program.
  • Annuitants younger than age 65.

For benefit information, see the Comparison of Medical Benefits chart.

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IT’S YOUR CHOICE HEALTH PLAN MEDICARE

It’s Your Choice Health Plan Medicare–formerly Traditional Uniform Benefits–is coordinated with your It’s Your Choice Health Plan coverage. You will remain covered by the plan you select after you are enrolled in Medicare Parts A and B. For benefit information, see the Comparison of Medical Benefits for retirees with Medicare chart.

 

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IT’S YOUR CHOICE MEDICARE ADVANTAGE

It’s Your Choice Medicare Advantage–formerly Traditional Uniform Benefits Medicare Advantage Preferred Provider Organization offered by Humana–allows members to use any health care provider in the United States. However, you will have greater out-of-pocket expenses when you use out-of-network providers. For benefit information, see the Comparison of Medical Benefits for retirees with Medicare chart.

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IT’S YOUR CHOICE MEDICARE PLUS

It’s Your Choice Medicare Plus–formerly Medicare Plus–is a fee-for-service Medicare supplement plan administered by WPS. This plan is available to eligible retirees enrolled in Medicare Parts A and B and generally only pays Medicare deductibles and coinsurance. It’s Your Choice Medicare Plus permits you and your eligible dependents to receive care from any qualified health care provider anywhere in the world for treatment covered by the plan. For benefit information, see the Comparison of Medical Benefits for retirees with Medicare chart.

 

 


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: 9/28/2015 11:06:53 AM