It's Your Choice 2019
Important Changes for 2019
You can re-enroll in health insurance through ETF if you meet these 3 requirements:
Previously, if you canceled your coverage, you could never re-enroll in the program.
Robin with HealthPartners
HealthPartners has added a new health plan option with coverage in northeast Wisconsin. The new network features, but is not limited to, the following providers:
Find more information here.
It’s Your Choice Medicare Advantage with UnitedHealthcare®
New option for Medicare-enrolled retirees and their Medicare-enrolled dependents. The plan offers Uniform Benefits and a nationwide network. Find more information here.
State Maintenance Plan (SMP)
SMP is no longer available in Iron and Price counties.
SMP will be newly available in Buffalo, Marinette, Pepin, Pierce, Polk, Shawano, St. Croix, Waupaca, Waushara, and Wood counties.
Make sure your providers are in-network for 2019 or select another plan.
Telehealth services will be covered 100%.
Gender Identity Services
The exclusion related to benefits or services based on gender identity is removed for 2019.
Home Sleep Studies
Coverage for medically necessary sleep studies at home.
Contact Lenses for Keratoconus Treatment
Coverage for one set of medically necessary hard contact lenses if being treated for keratoconus. Consider supplemental vision coverage for additional sets.
Coverage for extraction (removal) of erupted teeth (above the gum line) will be covered by the Uniform Dental Benefit instead of the medical benefit.Your employer may, or may not, offer the Uniform Dental Benefit through ETF. This service may be covered by other dental insurance you may have.
Transplant coverage language has been simplified to defer to clinical teams to make decisions on appropriateness.
Skin tag removal is excluded.
Prescription Foot Orthotics
Coverage for only one orthotic per foot, per year.
Increased Cost Sharing for Brand Name Level 3 Drugs
This change does not apply to retirees with Medicare.
Some doctors write prescriptions as “DAW-1,” or “dispense as written.” This means the pharmacist will fill the brand name drug as written and will not substitute an available generic equivalent.
Starting in 2019, you will pay more for “DAW-1” brand name level 3 drugs unless you cannot take the generic equivalent due to a medical need. If you have a medical need, your doctor must submit a one-time FDA MedWatch form to Navitus for the prescription. Have your doctor contact Navitus for the form.
The FDA MedWatch form must be submitted the first time you are prescribed the medication. Under normal circumstances, the form will be processed within 72 hours. For urgent/emergent situations, the form will be processed within 24 hours. After the form is submitted, it will stay on file with Navitus. Your doctor will not need to resubmit the form.
Without the form, you will pay the 40% coinsurance plus the cost difference between the brand name drug and its generic equivalent. See the examples below for more explanation.
Your doctor prescribes you BrandNameStatin and marks it as “DAW-1”. You do not have a medical need so your doctor does not submit the FDA MedWatch form
When having a brand name drug is not medically necessary, you can save money by getting the generic. In this example you’d save $1,245 each time you fill your prescription.
Your doctor prescribes you BrandNameStatin and marks it as “DAW-1”. The brand name drug is medically necessary because you are allergic to an ingredient in the generic equivalent. Your doctor submits the FDA MedWatch form to Navitus.
This page was last modified on: 9/11/2018 1:29:19 PM