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Wisconsin Department of Employee Trust Funds header image It's Your Choice 2018 Local Deductible Health Plan Insurance Program
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2018 It's Your Choice - Local Deductible Health Plan Insurance for Employees and Retirees
Wisconsin Department Of Employee Trust Funds It's Your Choice 2018


Local Deductible Plan
Insurance for Employees
and Retirees
(PO4, PO14)


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.

View 2018 Important Changes
eLearning
View Choose Your Benefits
eLearning
Print Checklist Includes room for notes!

Compare the plan design available to you:

View Comparison Chart (Active Employees and Retirees Without Medicare) View Comparison Chart (Retirees With Medicare)

Key Factors to Consider:

  • Monthly Payment (Premium)
  • Premiums can change every year. Review your premium for next year.

  • Cost-Per-Visit (Deductibles & Copays)
  • How often do you visit your doctor? Do you need surgery next year? Review the breakdown of your costs by plan design (Active Employees and Retirees Without Medicare) (Retirees with Medicare).

    With a High Deductible Health Plan, the medical deductible must be met before copays and coinsurance begin.

  • Out-Of-Network Availability
  • 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.

  • No matter which plan design or health plan you choose, the benefits are the same (Uniform Benefits).

Retirees eligible for Medicare must:

  1. Enroll in Medicare Parts A and B.
    • Medicare Part D enrollment is automatic through the Wisconsin Public Employers (WPE) Group Health Insurance Program.
  2. Notify ETF immediately or your Medicare coordinated coverage may be delayed.

Medicare will be the primary payer of your covered medical services and prescription drugs.

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:

  • Is your health plan available next year? Health plans may merge or change their service areas. Review important changes.
  • Have your premiums changed?
  • Is your doctor, clinic and hospital still covered? Verify with the provider directory find provider iconfound on the interactive map.
  • All health plans offer the same benefits package, but are there additional services, requirements or programs that are important to me? Check out Available Health Plans.
  • How satisfied are current health plan participants? Compare health plan report cards.    

Contact your benefits office to see which supplemental benefits are offered by your employer. If the Uniform Dental Benefit is available to you, review the coverage. You can enroll in this benefit when selecting your health plan.

Dental coverage mirrors your health coverage.

If you elect individual health coverage, then you will be enrolled in individual dental coverage. If you elect family health coverage, you will be enrolled in family dental coverage.

Made your decisions? Visit the Enrollment page for instructions on how to enroll.

Questions? Active employees: Contact your employer benefits specialist. Retirees: Contact ETF.

red envelope image Sign up for What's New and IYC E-Alerts: Health & Wellness along with any other topics of interest.

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: 9/25/2017 9:05:39 AM