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Wisconsin Department of Employee Trust Funds header image It's Your Choice 2018 State of Wisconsin Group Health Insurance Program
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2018 It's Your Choice - State of Wisconsin Group Health Insurance for Employees and Retirees

Wisconsin Department Of Employee Trust FundsIt's Your Choice 2018


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

Supplemental Benefits

More choices mean more opportunities for better health and wellness. Check out the supplemental benefits available and if you are eligible, when you can enroll.
 

The information on these pages will help you compare dental benefit options. The Uniform Dental Benefit offers coverage on routine and basic dental services. If you need additional coverage for major/restorative services, check out the supplemental dental options. The Dental Comparison Chart lists a more comprehensive list of benefits across all dental options.

 

Health Insurance Required

The Uniform Dental Benefitis only available if you enroll in health insurance under the State of Wisconsin Group Health Insurance Program.

Your dental coverage will mirror your health coverage; if you elect family health insurance with dental, you will be enrolled in family dental coverage. If you elect individual Health insurance with dental, you will be enrolled in individual dental coverage.

Delta Dental Logo

Monthly Payment (Premium)

$3 Individual / $8 Family
(added to your health insurance premium)

In-Network Providers

Delta Dental PPO or
Premier providers
No out-of-network coverage

Deductible

None
Annual Benefit Max $1,000 / person
Diagnostic & Preventive Services


Routine evaluations, dental cleanings, sealants, bitewing and panoramic X-rays, fluoride treatments, fillings
100%

Basic Services
Local anesthesia, emergency pain relief

80%

Major / Restorative Services
Crowns, bridges, dentures, root canal therapy (endodontics)

Not covered

Waiting Period

None

Orthodontics (Under Age 19)
Coverage
Lifetime Maximum
Waiting Period


50%
$1,500
None

Contact

1-844-337-8383
deltadentalwi.com/state-of-wi

Go to Delta Dental and create an account to:

  • Find in-network providers
  • Print ID cards
  • View your benefits and claims
  • Find valuable dental health resources
  • Ask questions

Need additional dental coverage?

You can get more dental coverage by signing up for a supplemental dental plan.

Covered services and coinsurance:
All covered services, copayments and/or coinsurance are outlined in the Uniform Dental Benefit Certificate of Coverage and at Delta Dental.

Enrollment
Uniform Dental through Delta Dental is offered to active employees and retirees during It’s Your Choice open enrollment as part of your health insurance coverage. Your coverage level will mirror your health insurance coverage. For instance, if you elect individual medical coverage, you will be enrolled in individual dental coverage. If you elect family medical coverage, you will be enrolled in family dental.
New employees may enroll within 30 days of their eligibility throughout the year.

You can supplement your Uniform Dental Benefit coverage with these additional options. If you are currently enrolled in supplemental dental benefits, your enrollment will continue unless you cancel during It’s You Choice open enrollment.

toothbrush icon

Anthem DentalBlue

Anthem DentalBlue offers three dental coverage plans:

a) Dentacare HMO (which requires that you use Dentacare providers),
b) Anthem Preferred PPO (which allows you to see out-of-network providers at a higher cost), and
c) Anthem Supplemental, the lower cost option that does not cover diagnostic or preventive procedures and requires that you have other basic dental coverage.

New subscribers have a three-month waiting period for basic and major procedures. Check the web page for Anthem's provider network. See anthem.com/dental-stateofwi/ or call  during open enrollment: 1-866-511-4476; balance of year 1-888-589-0582.

 

Bandaid Icon

EPIC Benefits+

EPIC Benefits+ is a multi-part plan, designed to wrap around State of Wisconsin Group Health Insurance. It includes major dental and orthodontic, hospital and surgical Indemnity, Accidental Death and Dismemberment, and optional vision materials insurance. EPIC Benefits+ uses Delta Dental as its dental plan administrator. See www.epiclife.com/products/state_intro.shtml or call 1-800-520-5750.

 

smiling face icon

EPIC Dental Wisconsin

EPIC Dental Wisconsin offers two plan choices:

  • Dental Wisconsin PPO is a comprehensive two-tier dental plan using Delta Dental of Wisconsin providers. The plan includes preventive, diagnostic, basic, major and orthodontic coverage.
  • Dental Wisconsin Select is a supplemental plan that provides coverage for basic, major and orthodontic services.

EPIC Dental Wisconsin uses Delta Dental as its plan administrator. New enrollees may have different levels of coverage for certain services. For more information visit epiclife.com/wi-state-employees/ or call 1-800-520-5750.

 

For a more comprehensive comparison check out the Dental Comparison Chart.

It is important to note:

  • If you expect to retire within the next year and will want to carry optional dental insurance, you must enroll during It’s Your Choice open enrollment (if you are not already enrolled).
  • Employers do not contribute to the premiums for these plans.
  • You may choose a different enrollment level for supplemental benefit plans than for State Group Health Insurance. For instance, if you have a single plan for health insurance, you can choose "employee + spouse" for your dental care, and "family" for your vision care.
  • Throughout the year, eligible employees may enroll or make changes to their enrollment based on qualifying events such as marriage, divorce, birth, adoption or loss of other comparable coverage.
  • With few exceptions, once enrolled, you must remain in the plan for the full year. Mid-year cancellation procedures follow those for health insurance—see the Frequently Asked Question “How do I cancel coverage.”
  • You may cancel your new or existing enrollment during the It’s Your Choice Open Enrollment period.
  • Be aware of waiting periods, exclusions for preexisting conditions and limits on maximum benefits when deciding whether to enroll in a supplemental dental plan.

Enrollment

Anthem and EPIC will offer open enrollment during It’s Your Choice to active employees and retirees in 2018. If you are currently enrolled in one of these plans, your enrollment will continue unless you cancel during It’s Your Choice open enrollment.

New employees may enroll within 30 days of their eligibility throughout the year. Note that your level of coverage may vary if you enroll in EPIC Benefits+ or Dental Wisconsin for the 1st time during It's Your Choice open enrollment.

 

EPIC Specialty Benefits + logo

EPIC Benefits+
EPIC Benefits+ is a multi-part plan, designed to wrap around State of Wisconsin Group Health Insurance and includes an optional vision benefit. See www.epiclife.com/products/state_intro.shtml or call 1-800-520-5750.

VSP logo

VSP Vision Care
VSP Vision Care is a national not-for-profit insurance plan, offering personalized eyecare and eyewear services from a diverse network of providers. Members and their covered dependents can receive annual eye exams and coverage allowances towards glasses or contact lenses following a copayment. For more information, please visit VSP's website or call 1-800-400-4569.
UW System employees:  uwsystem.vspforme.com/review
STAR agency employees: staractives.vspforme.com.
All other employees (non-UW System, non-STAR): stateofwiemployees.vspforme.com.
Retirees: stateofwiretirees.vspforme.com.

 

 

Enrollment
EPIC Benefits+ and VSP will offer open enrollment during It’s Your Choice to active employees and retirees in 2018. If you are currently enrolled in one of these plans, your enrollment will continue unless you cancel during It’s Your Choice open enrollment.

New employees may enroll within 30 days of their eligibility throughout the year.

It is important to note:

  • Employers do not contribute to the premiums for this plan.
  • Throughout the year, eligible employees may enroll or make changes to their enrollment based on qualifying events such as marriage, divorce, birth, adoption or loss of other comparable coverage.
  • With few exceptions, once enrolled, you must remain in the plan for the full year. Mid-year cancellation procedures follow those for health insurance—see the Frequently Asked Question “How do I cancel coverage.”
  • You may cancel your new or existing enrollment during the It’s Your Choice Open Enrollment period.

Note: UW System and STAR employees are not eligible to use VSP's Internet or telephone enrollment process. UW System employees should go to UW System Annual Benefit Enrollment (ABE) website at www.wisconsin.edu/abe for enrollment information. Contact your UW institution's payroll and benefits office if you have questions about the enrollment process. STAR employees will make all benefits elections through STAR at ess.wi.gov.

Note: UW System and UW Hospital and Clinics employees may have different optional plans available. Check with your human resources/benefits office for details and instructions for 2018. UW System employees may refer to www.wisconsin.edu/ohrwd/benefits.

 

Zurich logo

Zurich Accidental Death and Dismemberment
Zurich Accidental Death and Dismemberment provides payments for specific amputation injuries, such as loss of a limb, or for accidental death. You choose a coverage level based on multiples of your salary. It also includes travel insurance and insures against identity theft. This benefit is only available to active employees. For enrollment questions, see your payroll/benefits representative; for other questions, please contact Zurich at cms@zurichna.com. For detailed plan information, please visit https://ZurichPlanInfo.qwikcoverage.com.

Enrollment
Zurich will offer open enrollment during It’s Your Choice to active employees. If you are currently enrolled in one of this plan, your enrollment will continue unless you cancel during It’s Your Choice open enrollment.
New employees may enroll within 30 days of their eligibility throughout the year.

This plan is not available to retirees.

It is important to note:

  • Employers do not contribute to the premiums for this plan.
  • Throughout the year, eligible employees may enroll or make changes to their enrollment based on qualifying events such as marriage, divorce, birth, adoption or loss of other comparable coverage.
  • With few exceptions, once enrolled, you must remain in the plan for the full year. Mid-year cancellation procedures follow those for health insurance—see the Frequently Asked Question “How do I cancel coverage.”
  • You may cancel your new or existing enrollment during the It’s Your Choice Open Enrollment period.

Note: UW System and UW Hospital and Clinics employees may have different optional plans available. Check with your human resources/benefits office for details and instructions for 2018. UW System employees may refer to www.wisconsin.edu/ohrwd/benefits

Zurich has anytime enrollment for UW System employees.

Health Choice logo

Mutual of Omaha Long-Term Care Insurance
Administered by HealthChoice

Mutual of Omaha offers a long-term care insurance plan through HealthChoice. It is available to employees, their spouses or domestic partners, and the parents of employees, spouses and partners who reside in Wisconsin, and can be purchased any time of year for those who qualify. Each member’s policy will be individually underwritten—premiums are based on that person’s age, gender and health at the time of enrollment. A subscriber can choose from a range of inflation protection options. For more information visit etf.wi.gov/members/benefits_ltci.htm or call 1-800-833-5823.

Enrollment
HealthChoice offers enrollment into the Mutual of Omaha Long-Term Care plan year-round.

It is important to note:

  • Employers do not contribute to the premiums for this plan.

Note: UW System and UW Hospital and Clinics employees may have different supplemental plans available. Check with your human resources/benefits office for details and instructions for 2018. UW System employees may refer to www.wisconsin.edu/ohrwd/benefits

Additional benefits are available to eligible employees, outside of the It's Your Choice open enrollment period. For more information click on the link. If you have questions, contact your human resources/benefits office.

UW System and UW Hospital and Clinics employees may have different supplemental plans available. Check with your human resources/benefits office for details and instructions for 2018. UW System employees may refer to Wisconsin.edu/ohrwd/benefits.

Does your employer offer any supplemental insurance plans?
For a table showing agency names and the insurers available, go to the 2018 Agency/Plan Table.

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: 5/21/2018 8:32:50 AM