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Wisconsin Department of Employee Trust Funds header image It's Your Choice 2019 Local Deductible Health Plan Insurance Program
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2019 It's Your Choice - Local Deductible Health Plan Insurance for Employees and Retirees
Wisconsin Department Of Employee Trust Funds It's Your Choice 2019

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

Know Your Benefit Enrollment Opportunities

There are certain times throughout the year when you may enroll in health and supplemental insurance benefits, or change your coverage.

Open Enrollment Photo

Open Enrollment

The It’s Your Choice 2019 open enrollment period is October 1-26, 2018. This is your opportunity to change health plans, change from family to single coverage, enroll if you had previously deferred coverage, cancel coverage for yourself or an adult dependent child and more. You should review important changes for the 2019 plan year and confirm your health plan network and service area, as well as plan design options. You should also consider dental coverage (if offered by your employer).

Open enrollment is available to all who are eligible under the Wisconsin Public Employers Group Health Insurance Program. This includes employees, currently insured retirees, COBRA continuants, surviving spouses and dependents. Changes in coverage become effective January 1, 2019.

New Employee Photo



New Employee

If you are electing health insurance coverage, you must enroll within 30 days of your date of hire (in an eligible position), or first eligible appointment. Applications can be made through myETF Benefits or by paper. Coverage will be effective on the first of the month on or following your hire date, or on the date you are eligible for an employer contribution, whichever you choose. Check with your payroll or benefits office to find out when your employer contribution begins. If you choose to start your coverage before you receive employer contributions, you will pay the full premium.

Life Change Photo

Life Change Event

Did you recently have a change in marital status, add a dependent, have an eligible move to a new county or have another life change event? You may be able to enroll or change your coverage outside of the open enrollment period. There are various rules related to life change events. Start here to see what your options are and how long you have to submit an application to enroll or make a change.

New Retiree Photo


When you retire, your health insurance plan (if you are enrolled) will automatically continue in most circumstances. If you terminate employment after 20 years of creditable service but are not eligible for an immediate annuity, you may continue your coverage by filing a Continuation-Conversion Notice (ET-2311) form within 90 days of your termination of employment. This form is available from ETF.

Medicare Photo


If you are eligible for Medicare, you and your Medicare-eligible dependents must be enrolled in the hospital (Part A) and medical (Part B) portions of Medicare at the time of your retirement, as soon as you turn age 65 or have another Medicare enrollment opportunity. You will then automatically be enrolled in the prescription drug (Part D) plan, Navitus MedicareRx, which is offered by Navitus. Because all It’s Your Choice plans have coverage options that are coordinated with Medicare, you will remain covered by your health plan even after you enroll in Medicare. Please contact ETF if you do not receive the required Medicare Eligibility Statement (ET-4307) at least one month before your 65th birthday, or if you have been on Social Security disability for 24 months.

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: 9/11/2018 1:18:52 PM