Welcome New Graduate Assistants & Short Term Academic Staff
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1 University of Wisconsin Madison Office of Human Resources Benefits Seminar for New Graduate Assistants Welcome New Graduate Assistants & Short Term Academic Staff Session time: 2 hours for presentation and Q&A Links to essential forms, benefits information and application forms found at: UW-Madison Benefits Services 1
2 New Employee Benefits Session July/August/September 2016 Presented by: UW-Madison Benefits Services Office of Human Resources (OHR) University of Wisconsin Madison 2016 UW-Madison Benefits Services 2
3 UW-Madison Benefits Services 21 N. Park Street, Suite 5101 Walk-ins welcome 7:45am-4:00pm, Monday - Friday (608) phone (608) fax Benefits@ohr.wisc.edu We provide Individual benefit and retirement consultations Benefits-related classes throughout the year Support for your departments HR staff 2016 UW-Madison Benefits Services 3
4 UW Payroll & Benefit Resources Find payroll forms & benefit applications online: Direct Deposit New Employees > Direct Deposit Authorization Federal & WI State Tax Forms New Employees > New Employee Forms Packet Benefits Information & Forms Click on: Appointees Not Covered by the Wisconsin Retirement System 2016 UW-Madison Benefits Services 4
5 MyUW > MyUW tab [use NetID to log in] My UW Paycheck stubs Payroll Information > Earnings Statement Benefits Summary Benefit Information > Summary 2016 UW-Madison Benefits Services 5
6 Earnings Statements Review your Earnings Statements for accuracy: Rate of pay & hours worked Insurance premium deductions Since we pay one month in advance for benefits your first paycheck may have multiple benefit deductions depending on effective date of coverage Important: Contact your Payroll & Benefit Coordinator and UW-Madison Benefits Services if something is missing or incorrect 2016 UW-Madison Benefits Services 6
7 State Group Health Insurance 2016 UW-Madison Benefits Services 7
8 State Group Health Insurance What is my deadline to enroll? When will my coverage begin? Applications must be received within 30 days of the first day of your appointment. Coverage would then begin the first of the month following hire (or first day of hire if hired on the first of the month) assuming timely receipt of application UW-Madison Benefits Services 8
9 State Group Health Insurance What is my monthly premium cost if I enroll? Which doctors or providers can I visit? What services are covered? It depends upon which of the plan designs you elect: Tier 1 / Regional Wisconsin State networks IYC Health Plan* Tier 3 / Nationwide network IYC Access Health Plan* *Grad Assistants and Short-Term Academic Staff are not eligible for the High Deductible Health Plan or Opt-Out incentive 2016 UW-Madison Benefits Services 9
10 State Group Health Health Plan What is the monthly premium?* Single coverage : $44.50** / month Employee-only Family coverage : $112.50** / month Employee + spouse or domestic partner* +/or child(ren) +/or stepchild(ren) *Adding coverage for a domestic partner involves additional forms & may affect your taxes. ** Save $3/month for single or $8/month for family if you waive dental coverage 2016 UW-Madison Benefits Services 10
11 State Group Health Health Plan Which doctors & providers may I visit? Review the available networks in your county: UW-Madison Benefits Services 11
12 State Group Health Health Plan Which doctors & providers may I visit? Enroll in a network and visit your chosen network s approved providers (see their website or call them for a provider listing). If enrolled in an HMO (Dean, GHC-SCW, P+, Unity-UW): No coverage outside your HMO network unless services provided are determined to be emergency services. If enrolled in a PPO (WEA Trust PPO-SC): Reduced coverage levels (higher out of pocket costs) if receiving non-emergency outside your PPO network UW-Madison Benefits Services 12
13 Preventive Health Services Preventive services covered 100% Federal law requires that specific preventive services provided by in-network providers be offered at no cost to you, including Routine annual check-ups Certain screenings for illness Certain Prescriptions Learn more: > search: preventive > search: preventive UW-Madison Benefits Services 13
14 What if it s not Preventive? OOPL Medical OOPL Rx Federal MOOP Copayments Deductible Coinsurance 2016 UW-Madison Benefits Services 14
15 What is a Copay? A copay is a fixed dollar amount you pay for certain covered health care services or prescription drugs. You usually pay the copay when you receive the service or drug UW-Madison Benefits Services 15
16 What is a Copay? In the Health Plan and the Access Plan we will pay copays for non-preventive primary care visits & specialty office visits and they will not count toward our deductible, but will count toward the out of pocket limit (OOPL). Visit Type Includes Copayment Counts Toward Deductible? Counts Toward OOPL? Primary Care Office Visit General Physicians Pediatrician Chiropractor Nurse Practitioner OB/GYN $15 No Yes Specialty Care Office Visit Emergency Room Specialty Providers Urgent Care Vision Exam in office visit setting Emergency Room $75 $25 No Yes (waived if admitted) No Yes 2016 UW-Madison Benefits Services 16
17 What is a Deductible? A deductible is the amount you the member must pay toward the full negotiated cost of certain non-preventive health services before your health plan begins to pay toward non-preventive health services. All health plans have deductibles: Health Plan Access Health Plan (in-network) Single Family Single Family Deductible $250 $500 $250 $ UW-Madison Benefits Services 17
18 What is Coinsurance? Coinsurance is the percentage (%) of the cost of a covered service or prescription that a member splits with the insurance company Coinsurance applies to services that are not subject to copayments Coinsurance amounts change based on total cost of the drug or service Medical Care 90/10 Durable Medical Equipment (crutches, etc.) 80/20 Rx coinsurance for drug Levels 2 and 3 (and sometimes 4) 2016 UW-Madison Benefits Services 18
19 Medical Out of Pocket Limit An out of pocket limit ( OOPL ) is the maximum amount that a member will pay for in-network, covered services during a plan year (with a few exceptions). Once the OOPL is met, coinsurance and copayments no longer apply for health care visits that year State plan OOPLs Health Plan Access Health Plan (in-network) Single Family Single Family $1,250 $2,500 $1,000 $2, UW-Madison Benefits Services 19
20 Overview of Plan Costs We pay our drug copays / coinsurance when filling Rx We pay our medical costs until we reach our deductible Then, we pay medical coinsurance amounts while insurance pays the Office visit copays are separate from the deductible and apply toward the OOPL remainder of covered medical care costs Insurance will cover most additional Rx costs in a Tier after the Tier s maximum OOPL is met Insurance will cover most additional health costs after we reach our plan medical OOPL 2016 UW-Madison Benefits Services 20
21 Health Plan vs. Access Plan Health Plan with dental $44.50 or $ per month Annual Deductible ($250 / $500) Regional WI networks only Examples: Access Plan with dental $ or $ per month Annual Deductible ($250 / $500) National network WPS Dean GHC-SCW Physicians Plus Unity-UW WEA Trust SC Receive services in-network (unless emergency) Well-eye vision exams for $25 office visit copay Receive services in-network or out-of-network No adult vision included 2016 UW-Madison Benefits Services 21
22 State Group Health Access Plan What is the monthly premium?* Single coverage: $ ***/ month Employee-only Family coverage: $ ***/ month Employee + spouse or domestic partner** +/or child(ren) +/or stepchild(ren) *If the UW requires that you live outside the state of WI for your job, the Access plan would cost you $69.50/month for Single or $174.50/month for Family. ** Adding coverage for your domestic partner involves additional forms & may affect your taxes. *** Save $3/month for single or $8/month for family if you waive dental coverage 2016 UW-Madison Benefits Services 22
23 State Group Health Access Plan Which doctors & providers may I visit? WPS Nationwide Network WPS has a national network of doctors/providers, and you should visit those providers when seeking services. Out-of-Network Providers If you choose to visit a doctor/provider who is not part of the WPS network, you will pay higher out of pocket costs UW-Madison Benefits Services 23
24 State Group Health Access Plan What services are covered? If visiting one of WPS s network providers Most preventive services are covered 100% For other covered services, you must pay 100% of the bill up to a $250 Deductible per calendar year per individual ($500 maximum per year for a family) Once the Deductible has been paid, most other eligible medical services that calendar year are covered at 90% You are billed for the remaining 10% up to a calendar year maximum of $1,000 for an individual or $2,000 for a family Additional $75 co-pay if visiting the Emergency Room **Not included: Well-vision eye exams ** 2016 UW-Madison Benefits Services 24
25 State Group Health Access Plan What services are covered? If visiting a provider NOT part of WPS s network Still have some coverage, but Higher Deductible ($500 per person to maximum of $1,000 for a family) before any services are covered Once you pay the Deductible, most other services in that same calendar year are covered at only 70% You are billed for the remaining 30% Additional $75 co-pay if visiting the Emergency Room 2016 UW-Madison Benefits Services 25
26 Pharmacy Benefits with Navitus Level 1 Level 2 Level 3 $5 per fill Member pays 20% (up to $50 per fill) Member pays 40% (up to $150 per fill) Level 4 Preferred Rx Preferred Specialty Pharmacy: $50 per fill Any Other Pharmacy: 40% (up to $200 per fill) Level 4 Non-Preferred 40% (up to $200 per fill) A fill is usually a 30-day supply. A 90-day supply would require 3 copayment/coinsurance amounts. Consider the mail-order program for cost savings on Level 1 & 2 drugs (3 fills for the cost of 2) 2016 UW-Madison Benefits Services 26
27 Prescription Out of Pocket Limit Once the OOPL for a level is met, coinsurance & copayments no longer apply for that level of prescription drugs that year. Health Plan Access Health Plan (in-network) Levels 1 & 2 $600/$1,200 $1,000 / $2,000 Level 3* $6,850 / $13,700 $6,850 / $13,700 Level 4 Preferred Rx & Pharmacy Level 4* Nonpreferred $1,200/$2,400 $1,200/$2,400 $6,850 / $13,700 $6,850 / $13,700 *Level 3 coinsurance does not apply toward a non-hdhp health plan OOPL (federal MOOP applies) *Neither Level 3 nor Level 4 Non-preferred coinsurance 2016 UW-Madison applies toward Benefits non-hdhp Services health plan OOPL (federal MOOP applies) 27
28 Uniform Dental Benefits Health Plan & Access Plan 2016 UW-Madison Benefits Services 28
29 Uniform Dental 2015 UW-Madison Benefits Services 29
30 State Group Health Insurance Where do I find details about each plan? Which networks are available where I live? Where are the companies phone numbers? I have more questions about coverage! > Forms and Publications > State Group Health Insurance > It s Your Choice: 2016 Decision Guide UW-Madison Benefits Services 30
31 State Group Health Insurance When I call the insurance companies, what should I ask? When you visit the insurance websites or call them with questions, it may be helpful to ask: Is my current doctor in your network? I live and work ; do you have clinics near those locations? If I needed surgery, which hospital(s) would be available? Tell me about your Wellness Program 2016 UW-Madison Benefits Services 31
32 State Group Health - Wellness Ask about their Wellness Programs! Many have $100 - $200 in annual reimbursements* for certain healthy lifestyle expenses o Community Supported Agriculture ( CSA ) shares o Fitness classes / Gym membership o Weight loss programs o Some even reimburse for doula services/running shoes Monetary incentive for Health Risk Assessment & Biometric Screening *Subject to applicable taxes 2016 UW-Madison Benefits Services 32
33 State Group Health Insurance I ve decided on a plan! How do I enroll? Complete and print a copy of the State Group Health Insurance application form: > Forms and Publications > State Group Health Insurance > Health Insurance Application/Change Form Within 30 days of the start of your appointment, hand-in your completed form to your department contact or at 21 N. Park St., Suite Ask for a signed-in copy for your records UW-Madison Benefits Services 33
34 State Group Health Insurance When will I receive my insurance cards? Medical and prescription cards should arrive 4-6 weeks after enrollment Mailed to the home address on your application form Consider rescheduling non-emergency doctor visits until you receive your cards If medical services are required prior to the receipt of your cards, ask your provider s office to contact the insurance company directly to verify coverage 2016 UW-Madison Benefits Services 34
35 Domestic Partner Coverage Review the steps to establishing a domestic partnership for Chapter 40 benefit purposes: > Employee Information > Domestic Partner Benefits Forms required include: Affidavit for Domestic Partnership (ET-2371) Two copies of timely enrollment applications 2016 UW-Madison Benefits Services 35
36 Imputed Earnings/Income When you add your domestic partner (and, if applicable, his/her children) to your health insurance, unless qualifying as your tax dependent(s): The Fair Market Value of the UW s employer contribution toward that coverage is considered a taxable fringe benefit, subject to tax withholding. This fringe benefit will increase your taxable income. Therefore, your Federal, State, Social Security and Medicare taxes may increase. As a result, your net pay will decrease. > Forms and Publications > State Group Health Insurance > Add a Domestic Partner 2016 UW-Madison Benefits Services 36
37 State Group Health Insurance What if I Need to Add Family Coverage Later? Single to Family Coverage If a spouse or eligible dependent arrive in the USA at a later date you will only be able to change to Family coverage if you can produce documentation showing loss health insurance coverage from the home country. If the home country does not have universal health coverage you must enroll them now or wait to enroll them in the annual It s Your Choice enrollment and change period for coverage to be effective the following January UW-Madison Benefits Services 37
38 State Group Health Insurance Enrollment Options when covered by another State Group Health Insurance Plan: State Group Health Insurance through a Spouse Two Single Plans One Family Plan (required if there is a eligible dependent) State Group Health Insurance through a Parent Defer enrollment until no longer eligible under parent s plan Must apply within 30 days due to a loss of other coverage If you want your own coverage, your parent must drop you from their State Group Health plan 2016 UW-Madison Benefits Services 38
39 State Group Health Insurance Student Health Insurance Plan (SHIP) International Students and J-1 Scholars are required to purchase the Student Health Insurance Plan or file a qualifying waiver. More information: UW-Madison Benefits Services 39
40 Making Changes to Insurance Life Events (marriage, birth, divorce, ) Review all benefits at time of life event Submit applications within 30 days of event Change of Home Address Change your Personal Information at my.wisc.edu Contact OHR and complete new insurance forms Benefits Fair and Annual Enrollment Benefits Fair: October 4 th, 2016, Union South Open Enrollment 10/17/2106 to 11/11/2016 Vision Insurance Open Enrollment Flexible Spending Accounts (FSA) Annual Enrollment for eligible appointees 2016 UW-Madison Benefits Services 40
41 UW-Madison Benefits Services 41
42 Supplemental Dental Plans Dental Wisconsin 2016 UW-Madison Benefits Services 42
43 Dental Wisconsin What is my deadline to enroll? Your application must be received within 30 days from the first day of your appointment. When will my coverage begin? Coverage may begin the first of the month following hire assuming timely receipt of the application. UW-Madison Benefits Services 43
44 Dental Wisconsin UW-Madison Benefits Services 44
45 PPO Plan Dental Wisconsin Which dentists may I visit? In-Network coverage is available from Delta s PPO providers. Find PPO dentists at If you visit a dentist who is not part of the Delta PPO network you will pay higher out of pocket costs, but you will still have some coverage. Select Plan You may visit any dentist of your choice. Dental WI will pay a percentage of covered procedures using Usual & Customary charge limitations. UW-Madison Benefits Services 45
46 Dental Wisconsin Waiting periods Enrollments in either the PPO or Select plan subject to a waiting period of 3 months for basic or major services and 12 months for orthodontics. Insurance will not payout for procedures incurred during the waiting period. If you had other comparable dental insurance prior to your Dental Wisconsin coverage, you may show proof of coverage to the insurance company and request a waiver of the waiting periods. UW-Madison Benefits Services 46
47 Dental Wisconsin What is the monthly premium? Coverage Level PPO Plan Select Plan Employee $ Employee + Spouse $53.96 $42.19 or Domestic Partner Employee + $60.34 $48.68 Child(ren) Family $91.21 $71.59 UW-Madison Benefits Services 47
48 Dental Wisconsin Where can I find more plan details? How does this plan compare to EPIC Benefits +? Visit UW-Madison s Dental Wisconsin website: Dental Insurance Comparison Chart UW-Madison Benefits Services 48
49 Supplemental Dental Plans EPIC Benefits UW-Madison Benefits Services 49
50 EPIC Benefits + What is my deadline to enroll? Your application must be received within 30 days from the first day of your appointment. When will my coverage begin? Coverage may begin the first of the month following hire assuming timely receipt of the application UW-Madison Benefits Services 50
51 EPIC Benefits+ What kind of insurance is this? Major & Restorative Dental & Child Orthodontics AD&D coverage Hospital/Surgery Benefit Vision Davis Affinity Discount Program (comes free with plan) EPIC Vision/Davis Vision Network (additional premium) UW-Madison Benefits Services 51
52 EPIC Benefits+ download/med/epic/broch.pdf UW-Madison Benefits Services 52
53 EPIC Benefits+ UW-Madison Benefits Services 53
54 EPIC Benefits+ UW-Madison Benefits Services 54
55 EPIC Benefits+ What is the vision benefit? Davis Vision Affinity Program Discounts and reduced out-of-pocket costs within the Davis Vision Network. Automatically provided to all Epic Benefits+ participants ( > Members> client code 7748) EPIC Vision Plan Insurance with In-network copays for materials. Flat $- amount contributions if outside the Network. If elected will increase the monthly premium. UW-Madison Benefits Services 55
56 EPIC Benefits+ What is the monthly cost if I enroll? UW-Madison Benefits Services 56
57 EPIC Benefits+ Compare to the Dental Wisconsin plan: 2016 Dental Plan Comparison Chart ~~~~~ Compare to the VSP vision plan: 2016 Vision Plan Comparison Chart UW-Madison Benefits Services 57
58 Vision 2016 UW-Madison Benefits Services 58
59 VSP Vision What is my deadline to enroll? Your application must be received within 30 days from the first day of your appointment. When will my coverage begin? Coverage may begin the first of the month following hire assuming timely receipt of the application UW-Madison Benefits Services 59
60 VSP Vision What services are covered? UW-Madison Benefits Services 60
61 VSP Vision Which vision providers may I visit? Search for a VSP doctor online: UW-Madison Benefits Services 61
62 VSP Vision Where can I find more plan details? How does this compare to other vision options? Visit UW-Madison s website: Vision Comparison Chart UW-Madison Benefits Services 62
63 VSP Vision What is the monthly premium cost? Employee Employer+ Spouse/ Domestic Partner Employee+ Child(ren) Employee + Family $6.54 $13.08 $14.73 $23.54 UW-Madison Benefits Services 63
64 VSP Vision Where can I find more plan details? How does this compare to other vision options? Visit UW-Madison s website: Vision Comparison Chart UW-Madison Benefits Services 64
65 VSP Vision What is the monthly premium cost? Employee Employer+ Spouse/ Domestic Partner Employee+ Child(ren) Employee + Family $6.54 $13.08 $14.73 $23.54 UW-Madison Benefits Services 65
66 Life Insurance 2016 UW-Madison Benefits Services 66
67 Life Insurance Three optional plans: How much coverage for employee? How much coverage for family? When is it effective? Individual & Family Up to $20,000 initially Up to $10,000 on spouse/dp and/or $5,000 on child(ren) UW Employees Inc. Depends upon age None AD&D Up to $500,000 Certain % of employee coverage 1 st of the month following 30 days from the date of hire UW-Madison Benefits Services 67
68 Life Insurance What are my deadlines to enroll? 30 days from the first day of your appointment to enroll in: Individual and Family Group Life UW Employees Inc. No deadline for enrollment into: Accidental Death and Dismemberment UW-Madison Benefits Services 68
69 Life Insurance When will my coverage begin? In many cases, the insurance will be effective the first of the month following 30 days from the date of hire. UW-Madison Benefits Services 69
70 Life Insurance Where do I find plan details? > Forms and Publications > Individual and Family Group Insurance > UW Employees Inc. Life Insurance > Accidental Death and Dismemberment UW-Madison Benefits Services 70
71 Life Insurance Where can I compare different life insurance costs? Life Insurance Cost Comparison Which life insurance policy is for me? Life Insurance Features Comparison UW-Madison Benefits Services 71
72 Supplemental Retirement Plans 403(b) & 457(b) UW TSA 403(b) Program 2016 UW-Madison Benefits Services 72
73 TSA & WDC Consider contributing to supplemental retirement plan(s): Tax Shelter Annuity 403(b) &/or Wisconsin Deferred Compensation 457(b) > Catalog > Search > Event: TSA or WI Deferred 2016 UW-Madison Benefits Services 73
74 Tax Sheltered Annuities (403b) TSA & WDC Wisconsin Deferred Comp (457b) Pre- or Post-Tax option 2016 Max contribution of $18,000 Age 50+ Catch-Up contribution of additional $6,000 allowed Additional special catch-up may also be allowed if 15+ years service (depends upon past contribution $) Minimum contributions apply ($8 or $20 per paycheck) No administrative fee in 2016 Loan services available Early-withdrawal penalty Pre- or Post-Tax option 2016 Max contribution of $18,000 Age 50+ Catch-Up contribution of additional $6,000 allowed Additional special catch-up may also be allowed if 3 years from normal retirement age No minimum contributions Administrative fees charged based on account balance No loans offered No early-withdrawal penalty 2016 UW-Madison Benefits Services 74
75 Flexible Spending Accounts with TASC 2016 UW-Madison Benefits Services 75
76 Flex Spending Account (FSA) with TASC What is an FSA? An FSA allows you to set money aside from your paychecks pre-tax that you then may spend on certain eligible health or childcare expenses throughout your plan year. Medical/Health FSA Dependent Daycare FSA 2016 UW-Madison Benefits Services 76
77 FSA - Eligible Expenses 2016* Medical Account - $2,550 max Rx Co-pays Deductibles & Co-Insurance Dental costs & Orthodontics Glasses / Contacts / Lasik Acupuncture Mileage to/from appointments OTC Medical Items Band-Aids, Contact lens solution, Pregnancy tests, Thermometers OTC Medication if Rx provided Cough syrup, Diaper rash ointment, Fever reducers, Pain relievers, etc. Dependent Account $5,000 max per household Daycare Nanny / Au pair / Sitter Before & After- school programs Certain summer day camps Must be for care provided to child under age 13 (or qualified dependent mentally/physically incapable of self care) during employee s work hours. Summer day camps must be primarily providers of childcare (vs. educational or athletic training). *Not an exhaustive list 2016 UW-Madison Benefits Services 77
78 Flex Spending Account (FSA) with TASC What is the advantage? Overall tax liability is reduced for the year. See the savings calculators online at Medical/Health account allows participants to access their full annual election upon plan effective date Provides debit card for qualified health expenses. Dependent daycare account reimburses childcare expenses throughout the year (versus waiting to file taxes) Remember: Use it or Lose it Incur expenses through 12/31/2016 No grace period. Medical FSA allows up to a maximum of $500 rollover into UW-Madison Benefits Services 78
79 Free or Affordable Resources 2015 UW-Madison Benefits Services 79
80 Resources for UW-Madison Ees UW-Madison Libraries Employee Assistance Office Recreational Facilities (free introductory week) Subsidized annual Madison Metro bus passes and emergency taxi vouchers Pre-tax parking deductions with campus ramp permit 2016 UW-Madison Benefits Services 80
81 Resources for UW-Madison Ees 5% discount on food purchases made with Wiscard ID at all Wisconsin Union and University Housing locations Reduced cost software via WI Integrated Software Catalog Professional Technical Education with DoIT Software training / Classroom & online options Lynda.com More than 1,000 self-paced online courses UW-Madison Benefits Services 81
82 Questions? UW-Madison Benefits Services University of Wisconsin Madison Office of Human Resources 21 N Park St, Suite UW-Madison Benefits Services 82
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