Your 2019 Insurance Benefits - Reminder of Changes
Review your 2019 Benefit Enrollments
As the new year begins, it is a great time to review your 2019 benefits.
To review your benefits, log in to the MyUW portal for UW-Madison or for all other UW System institutions and launch the Benefit Information tile. Choose the Summary tab and click View Benefits Summary Detail. On the Benefits Summary page, in the As Of Date field, enter 01/01/2019 and click Refresh to see your 2019 benefit elections.
After you have refreshed your memory on the benefits you elected for 2019, the remainder of this article will remind you of 2019 benefit plan changes.
For 2019 there are minimal changes to the State Group Health Insurance Program.
- Annual deductibles and out-of-pocket maximums will not change for 2019; however, they were reset at the beginning of the new plan year, January 1, 2019.
- Employees enrolled in the State Group Health Insurance Program and their covered spouses and dependents must select a primary care provider (PCP).
- For assistance designating a PCP, contact your health plan directly.
- Employees that do not select a PCP will be auto-assigned a PCP by their health plan. Employees may contact their health plan directly at any time to change the PCP that was auto-assigned to them.
- Newly Covered Services – Telehealth services, home sleep studies and the initial set of hard contacts for participants with keratoconus are a few of the new services that are covered in 2019.
- No Longer Covered – Removal of skin tags (unless medically necessary) and the removal of erupted teeth (covered by Uniform Dental) are no longer covered services by the State Group Health Insurance Program in 2019.
Pharmacy Benefits with Navitus
In 2019, there are increased cost sharing for level 3 drugs that have alternatives available on the formulary list; known as “dispense-as-written” drugs. Navitus has contacted affected members to provide additional information.
Find in-network pharmacies and formulary lists on the Navitus website, or contact Navitus directly with questions at 1-866-333-2757.
Well Wisconsin Program Incentive
Employees (and spouses) enrolled in the State Group Health Insurance Program are eligible for the Well Wisconsin Program Incentive. To receive the Wellness Incentive for 2019, a health screening, health assessment and a Well-Being activity will need to be completed. Direct mailings will come from StayWell in early 2019.
Uniform Dental Benefits
Delta Dental will continue to administer the Uniform Dental Benefits in 2019. If you elected State Group Health Insurance with Uniform Dental Benefits, you have access to preventive dental services in 2019.
- Newly Covered Service – Removal of erupted teeth (no longer covered by State Group Health insurance).
- Orthodontia Reminder – Covered for children up to the age of 19.
Reminder: Evidence Based Integrated Care allows employees access to additional dental services (cleanings or topical fluoride treatments) for certain medical conditions such as cancer therapy, periodontal disease, diabetes, pregnancy, high-risk cardiac conditions, suppressed immune systems, kidney failure or dialysis. Contact Delta Dental directly for additional information.
Supplemental Dental Benefits
Delta Dental is administering the supplemental dental plans in 2019. Two plans are available:
- PPO – Select plan
- PPO plus Premier – Select Plus plan
One of the main differences between the plans is the provider network. If you enrolled in the Select plan for 2019, you should confirm that your dentist is in the PPO network. If you enrolled in the Select Plus plan, you should confirm that your dentist is in the PPO or Premier network. Find a Delta Dental network dentist here.
- Newly Covered Service – Orthodontia is covered for children and adults under the PPO plus Premier – Select Plus plan.
Review the dental comparison chart for details surrounding the annual maximums and the level of coverage for different services provided by each of the dental plans.
Changes to the vision coverage include no charge for standard progressive lenses and an increase to the frame allowance for featured frame brands from $150 to $200.
Flexible Spending Accounts (FSA)
The annual maximum for the Health Care and Limited Purpose FSA’s for 2019 is $2,650.
Health Savings Accounts (HSA)
- For 2019, the HSA annual maximum contribution increased from $3,450 to $3,500 for single coverage and from $6,900 to $7,000 for family coverage.
- There is an additional $1,000 catch-up contribution amount maximum for employees that are or will attain age 55+ during the calendar year.
- All employer HSA contribution amounts will remain the same for 2019: $750 for employees enrolled in single coverage and $1,500 for employees enrolled in family coverage. Employees with less than half time rates will receive $375 if enrolled in single coverage and $750 if enrolled in family coverage. Crafts workers are not eligible for the employer HSA contribution.
- Employee contribution changes may be made at any time.
Accidental Death & Dismemberment (AD&D)
Effective January 1, 2019, an identity theft protection benefit was added to the plan (LifeStages Identity Management Services from CyberScout).
Source: UW System Human Resources