Health Insurance

2016 Premiums

2016 Monthly Contribution for University and Academic Staff
Regular HMO and PPO Plans High Deductible Health Plans
(HDHP)
Single Family Single Family
Tier 1 with Dental $86.00 $217.00 $32.00 $81.00
without Dental $83.00 $209.00 $29.00 $73.00
Tier 2 with Dental $136.00 $341.00 $82.00 $205.00
without Dental $133.00 $333.00 $79.00 $197.00
Tier 3 with Dental $253.00 $632.00 $199.00 $496.00
without Dental $250.00 $624.00 $196.00 $488.00
2016 Monthly Contribution for UW Graduate Assistants
Single Family
Tier 1 with Dental $44.50 $112.50
without Dental $41.50 $104.50
Tier 2 with Dental $69.50 $174.50
without Dental $66.50 $166.50
Tier 3 with Dental $128.00 $320.00
without Dental $125.00 $312.00

Monthly contributions are subject to each employee group's compensation plan.

All Health Maintenance Organization (HMO) plans are offered at Tier 1 Rates. The Standard Plan is offered at Tier 3 rates. Out-of-state residents whose jobs require them to live out of state are offered the Standard Plan at Tier 2 rates.

2015 Premiums Information

Historical Premiums

EPIC Benefits+

Premiums are deducted one month in advance of the month of coverage.

2016 EPIC Benefits+ Insurance (Group #3180) - Active Employees
Deduction Code Coverage Type Employee Employee + Spouse/Domestic Partner Employee + Child(ren) Family
404 Active Employee Monthly Premium Without Vision Coverage $19.77 $39.54 $39.54 $59.31
Active Employee Monthly Premium With Vision Coverage $24.02 $47.04 $47.04 $70.34

New State of Wisconsin retirees (annuitants), may continue EPIC Benefits+ coverage at annuitant group rates. Before you retire, contact your payroll office to complete the employee and employer sections of the Continuation Form and submit this form to EPIC to continue your coverage.

2016 Monthly Rates for Annuitants
Deduction Code Coverage Type Employee Employee +
Spouse/Domestic Partner
Employee + Child(ren) Family
N/A Annuitant Monthly Premium Without Vision Coverage $26.69 $53.27 $61.90 $73.53
Annuitant Monthly Premium With Vision Coverage $31.26 $61.51 $69.68 $85.43

Historical Premiums

Dental Insurance

2016 Dental Wisconsin Insurance (Group #31800D) — Active Employees
UW Deduction Codes Plan Employee Employee +
Spouse/Domestic Partner
Employee + Child(ren) Family
487 Preferred Provider Plan (PPO) $25.49 $53.96 $60.34 $91.21
488 Select Plan $20.52 $42.19 $48.68 $71.59

Historical Premiums

Union Dental Plans

Note: For biweekly payrolls ending July 16, 2011 (check dated July 28, 2011) and monthly payrolls ending July 31, 2011 (check dated August 1, 2011), deductions for union-sponsored insurance plans will be discontinued due to recent legislation. You will need to pay these premiums separately. Please contact your union to coordinate payment for these insurance plans. You can find the last known union dental plan premiums below.

Historical Premiums

Vision Insurance

Premiums are deducted one month in advance of the month of coverage.

2016 VSP Vision Plan Monthly Premiums
UW Deduction Code Employee Employee + Spouse/Domestic Partner Employee + Child(ren) Employee + Family
411 $6.54 $13.08 $14.73 $23.54

Historical Premiums

Life Insurance

Accidental Death & Dismemberment | Individual and Family Group Life | State Group Life | University Insurance Association (UIA) | UW Employees, Inc. Life

Life Insurance Premium Comparison Chart

Accidental Death & Dismemberment

Premiums are paid one month in advance of the month of coverage.

AD&D Monthly Premium per Principal Sum Elected (Group #GTU 83-64-005)
Principal Sum Elected Employee Only Premium Family Plan Premium
$25,000 $0.73 $1.10
$50,000 $1.45 $2.20
$100,000 $2.90 $4.40
$150,000 $4.35 $6.60
$200,000 $5.80 $8.80
$250,000 $7.25 $11.00
$300,000 $8.70 $13.20
$350,000 $10.15 $15.40
$400,000 $11.60 $17.60
$450,000 $13.05 $19.80
$500,000 $22.00 $14.50
Historical Premiums

Individual and Family Group Life Insurance

  • Initial Premium Determination: The premium for employee and spouse/domestic partner coverage is determined by the employee's age as of January 1 of the current year (year in which coverage is effective).
  • Annual Premium Review: Premiums are reviewed each year and may change based on the employee's age and coverage amount. The premium for employee and spouse/domestic partner coverage is determined by the employee's age as of January 1 of the plan year. Premium changes, if any, are effective for January coverage. Premiums are deducted one month in advance of coverage.

Premiums are based on the cost per $1000 of coverage. A premium calculator is available to help you determine your exact premium. Child coverage insures all children with the same coverage amount for one monthly premium.

Cost per $1000 of Coverage for Employee and Spouse/Domestic Partner
Employee Attained Age Employee Spouse/Domestic Partner
27 or less $0.023 $0.036
28-30 0.025 0.04
31-33 0.032 0.05
34-36 0.037 0.059
37-39 0.045 0.072
40-42 0.068 0.108
43-45 0.108 0.171
46-48 0.13 0.207
49-51 0.181 0.288
52-54 0.232 0.369
55-57 0.323 0.513
58-60 0.403 0.621
61-63 0.556 0.774
64-66 0.799 1.08
67-69 1.117 1.503
70-72 1.724 2.331
73+ 2.466 3.33
Monthly Premium Table for Employee and Spouse/Domestic Partner Coverage (Deduction Code 428)
Employee Attained Age Employee Spouse/Domestic Partner
$5000 $10,000 $15,000 $20,000 $5000 $10,000
27 or less $0.12 $0.23 $0.35 $0.46 $0.18 $0.36
28-30 0.13 0.25 0.38 0.50 0.20 0.40
31-33 0.16 0.32 0.48 0.64 0.25 0.50
34-36 0.19 0.37 0.56 0.74 0.30 0.59
37-39 0.23 0.45 0.68 0.90 0.36 0.72
40-42 0.34 0.68 1.02 1.36 0.54 1.08
43-45 0.54 1.08 1.62 2.16 0.86 1.71
46-48 0.65 1.30 1.95 2.60 1.04 2.07
49-51 0.91 1.81 2.72 3.62 1.44 2.88
52-54 1.16 2.32 3.48 4.64 1.85 3.69
55-57 1.62 3.23 4.85 6.46 2.57 5.13
58-60 2.02 4.03 6.05 8.06 3.11 6.21
61-63 2.78 5.56 8.34 11.12 3.87 7.74
64-66 4.00 7.99 11.99 15.98 5.40 10.80
67-69 5.59 11.17 16.76 22.34 7.52 15.03
70-72 8.62 17.24 25.86 34.48 11.66 23.31
73+ 12.33 24.66 36.99 49.32 16.65 33.30
Monthly Premium Table for Child Coverage
Amount of Insurance Monthly Premium
$2500 (Code Y) $0.18
$5000 (Code A) 0.35
$7500 (Code B) 0.53
$10,000 (Code C) 0.70
Historical Premiums

State Group Life Insurance

Premiums are deducted one month in advance of the month of coverage. Employee premium rates are based on the employee's age as of April 1 for initial enrollment. The employee's age on April 1 is also used for the annual update. When an active employee reaches age 70, Basic coverage continues at a reduced level without premium, Supplemental coverage ceases and the Additional coverage continues.

Basic/Supplemental/Additional Coverage Monthly Premium Rates
(Deduction Codes: Basic=412, Basic Supplemental=414, Additional 1 Unit=419, Additional 2 Units=416, Additional 3 Units=417, Spouse & Dependent=420)
Age As of April 1 Basic and Supplemental Additional Spouse & Dependent
Rate per $1000 Rate per $1000
Under age 30 $0.04 $0.06

One Unit of Coverage: $2.50 per $10,000 Spouse and $5000 for each dependent

Two Units of Coverage: $5.00 per $20,000 Spouse and $10,000 for each dependent

30-34 0.04 0.06
35-39 0.04 0.06
40-44 0.06 0.09
45-49 0.10 0.15
50-54 0.16 0.24
55-59 0.22 0.33
60-64 0.30 0.45
65-69 0.39 0.59
70+ 0 See Table Below
Over Age 70 Additional Coverage (Deduction Code: 418)
Age as of April 1 Rate per $1000
70 $1.00
71 1.15
72 1.25
73 1.45
74 1.60
75 1.80
76 1.95
77–89 2.06
Historical Premiums

University Insurance Association (UIA) Life Insurance

The annual premium is deducted from your October earnings.

University Insurance Association Schedule of Benefits/Coverage Amounts (Group #32872-G)
Age as of Oct 1 Premium Benefit Amount
Under 28 $2.00 $101000
28-30 98100
31-33 90900
34-36 78900
37-39 65000
40-42 50900
43-45 39100
46-48 30000
49-51 22600
52-54 17200
55-57 13100
58-60 10300
61-63 8200
64-66 6100
67-69 4500
70+ 3400
Historical Premiums

UW Employees, Inc. Life Insurance

Rates for employees are based on the employee's age as of January 1 of the current calendar year. Premium changes based on the employee's calendar year age will take effect on December payrolls for January coverage.

UW Employees, Inc. Monthly Premium Table — Premium and Coverage Amounts Effective 2014
Employee Age Coverage Amount Premium
under 35 $33,000 $1.00
35 - 39 28,000 1.25
40 - 44 25,000 1.60
45 - 49 18,000 2.00
50 - 54 15,000 2.40
55 - 59 13,000 3.80
60 - 64 12,000 4.35
65 and over 7,000 3.00
Historical Premiums