This news for local employers provides information on 2025 health insurance rates, as well as updates for the 2025 plan year. The 2025 health benefits open enrollment period is September 30 - October 25, 2024.
Rates
Historically, the Group Insurance Board (Board) has set premium rates at its August meeting. Beginning with the 2025 plan year, the rate setting will occur earlier to accommodate local employers’ budgeting cycles and the programming needs of ETF’s new Insurance Administration System.
Wisconsin Public Employer’s Group Health Insurance premium rates were approved at the Board meeting on May 23. They will be posted on the ETF website and shared via ETF E-mail Updates in the near future.
Full premium rates, and program option rates with the 88% contribution table and tier information, will be published to the ETF website.
The 105% contribution table will be available upon request when the 88% tables are published.
For information on calculating the local employer contribution of the health insurance premium, please see the video: Employer Contribution Towards Health Insurance Premiums.
Health Plan Changes
Benefit Changes
The Board approved the following medical benefit changes effective January 1, 2025:
- Expanded the lifetime limit on orthoptic eye training from two to no more than twelve.
- Clarified certificate of coverage language for nutritional counseling coverage to allow for nutritional counseling services related to weight management.
State Maintenance Plan (SMP)
There will be additional SMP counties for 2025. More information will be available soon.
Learn more about SMP with the State Maintenance Plan (SMP) 101 training video for local employers.
Local Open Enrollment Kickoff Meeting Events
Mark your calendars! ETF will host two virtual local employer kickoff events this year. The kickoff meetings will follow a similar agenda as in previous years, providing updates on important health news and a preview of 2025 health benefit materials.
Details for this year’s live, virtual 2025 health benefits open enrollment employer kickoff meetings are below. You can attend either via GoTo Training using the link provided.
Date: Thursday, September 19, 2024
Time: 1:00 p.m. - 4:00 p.m.
Register: September 19 kickoff registration link
Date: Tuesday, September 24, 2024
Time: 9:00 a.m. - 12:00 p.m.
Register: September 24 kickoff registration link
See the May 30 employer news for more local employer information.
Can’t attend the kickoff event at their scheduled times? Recordings of the virtual meetings will be posted to the ETF website for viewing anytime.
Local Insurance Q&A Session
ETF will host its annual local government employer insurance question and answer session. All local employers may register to ask ETF staff any insurance (health, life, income continuation insurance) benefit-related questions.
Date: Friday, September 27, 2024
Time: 9:00 a.m. - 11:00 a.m.
Register: Local insurance Q&A registration link
Open Enrollment 2025 Benefit Vendor Virtual Forums
ETF will again host a series of virtual vendor forum events for employers and members, to provide information for the 2025 plan year. Participating vendors include health plans and supplemental vendors, such as Delta Dental, Optum, Securian, and WebMD. ETF staff will also be present. Event details and registration information will be posted to the ETF website in the near future.
The Benefit Virtual Vendor Forums will be scheduled during the first three weeks of the open enrollment period.
Additional member education opportunities and resources will also be available during the open enrollment period. Visit the Member Education section of the ETF website to learn more.
Vision Plan
DeltaVision (offered through Delta Dental of Wisconsin) in partnership with EyeMed Vision Care will continue to offer the supplemental vision plan for 2025 at the same rates offered in 2024.
No resolution needs to be submitted to participate in this program. If you would like to offer this benefit to your employees for 2025 or would like more information, please contact ETFsales@deltadentalwi.com or Megan Wohlfeil with Delta Dental at Megan.Wohlfeil@deltadentalwi.com or 715-343-7623.
Active Employee and COBRA Continuant Monthly DeltaVision 2025 Rates
| Individual only | Individual plus spouse | Individual plus child(ren) | Individual and family |
| $5.72 | $11.42 | $12.88 | $20.58 |
Retiree Monthly DeltaVision 2025 Rates
| Retiree only | Retiree plus spouse | Retiree plus child(ren) | Retiree and family |
| $5.72 | $11.42 | $11.42 | $13.41 |
Dental Plans
Delta Dental of Wisconsin will continue to provide dental plans in 2025. In addition to the Uniform Dental Benefit, which is available to those enrolled in health insurance under the Wisconsin Public Employers Group Health Insurance Program, Delta Dental will again be offering three supplemental dental plans in 2025. Returning for 2025 are the Preventive Plan, Select Plan, and Select Plus Plan. There are no changes to the monthly premiums for the supplemental dental plans.
No resolution needs to be submitted to participate in this program. If you would like to offer this benefit to your employees for 2025, or would like more information, please contact ETFsales@deltadentalwi.com or Megan Wohlfeil at Megan.wohlfeil@deltadentalwi.com or 715-343-7623.
Active Employee and COBRA Continuant Monthly Delta Dental 2025 Rates
| Individual only | Individual plus spouse | Individual plus child(ren) | Individual and family | |
| Delta Dental PPO® - Select Plan | $9.08 | $18.16 | $12.24 | $21.76 |
| Delta Dental PPO® Plus Premier - Select Plus Plan | $21.60 | $43.22 | $40.12 | $66.20 |
| Delta Dental PPO Plus Premier – Preventive Plan | $36.10 | not offered | not offered | $90.28 |
Retiree Monthly Delta Dental 2025 Rates
| Retiree only | Retiree plus spouse | Retiree plus child(ren) | Retiree and family | |
| Delta Dental PPO® - Select Plan | $15.08 | $30.66 | $20.70 | $36.80 |
| Delta Dental PPO® Plus Premier - Select Plus Plan | $32.06 | $64.10 | $59.30 | $97.78 |
| Delta Dental PPO Plus Premier – Preventive Plan | $36.10 | not offered | not offered | $90.28 |
Securian Accident Plan
The Accident Plan gives active employees cash to help cover out-of-pocket expenses, regardless of health insurance coverage. The plan is portable until age 70 as long as the member had coverage as an active employee. Coverage includes:
- Concussions
- X-rays
- Dislocations
- Hospitalization
- Lacerations
- Surgeries
- Fractures
- Accidental death & dismemberment (up to $100,000)
- And many other medical and support benefits, including identity theft protection and travel assistance
No resolution needs to be submitted to participate in this program. If you would like to offer this benefit to your employees for 2025, or would like more information, please contact Kjirsten Elsner or Jody White with Securian Financial.
Securian Accident Plan Monthly 2025 Rates
| Individual only | Individual plus spouse | Individual plus child(ren) | Individual and family |
| $3.72 | $5.32 | $7.16 | $10.46 |
More to Come
See the Insurance Open Enrollment 2025 Employer Information Timeline to stay apprised of when and what information will be available before open enrollment.
Stay tuned for future employer news for important updates from ETF and major Board updates.