It's Your Choice 2018
State of Wisconsin
Group Health Insurance Program
(State Employees, Retirees, Continuants and Graduate Assistants)
How To Choose Your Benefits
You may enroll or change your benefits during the annual It’s your Choice open enrollment period, when you start a new job, or when you experience a life event. The Take Action checklist, e-Learning module and printable worksheet will walk you through choosing your benefits during one of these events.
Compare the plan design available to you:
Key Factors to Consider:
Premiums can change every year. Review your premium for next year.
Generally, the less you pay per visit, the more you pay per month for your premium. If you choose a high deductible plan, which has a lower premium, consider putting the premium savings in a Health Savings Account (HSA) pre-tax to pay for health care services.
With a High Deductible Health Plan, the medical deductible must be met before copays and coinsurance begin.
Example: Before meeting his $1,500 deductible, Joe must pay the full cost of the office visit, including any services or labs. After his deductible, he will only be responsible for 10% of his medical costs.
With a non-high deductible plan, office copays begin before the deductible is met.
Example: Maria chose a health plan with a $250 deductible. Before meeting her deductible, she will pay a $15 copay for an office visit plus the costs of any labs or services. After her deductible, she will continue paying the office visit copay but only be responsible for 10% of labs and services costs.
Do you or your dependent(s) need access to a doctor outside of the health plan’s service area or out of state? Review the Access Plan options.
Our interactive map shows available health plans by county. Results include major health care systems and provider directories. Keep travel time in mind if you select a plan that’s not offered nearby.
A few questions to keep in mind:
Supplemental benefits such as dental, vision, long-term care and employee reimbursement accounts are a great way to add coverage and put more money in your pocket through pre-tax savings.
Things to consider:
Sign up for What's New and IYC E-Alerts: Health & Wellness along with any other topics of interest.
This page was last modified on: 10/5/2017 8:07:16 AM