It’s Your Choice Open Enrollment

1. It’s Your Choice Open Enrollment September 30, 2019 – October 25, 2019

2. Open Enrollment Emails • Open Enrollment emails will be sent directly from STAR again this year through employee messaging. Emails will be sent from OpenEnrollmentDoNotReply@wisconsin.gov and reference some aspect of Open Enrollment. • Watch for these emails – they will contain important information and provide instructions. You should also expect to receive some Open Enrollment emails directly from your agency.

3. Actions that Can be Taken during Open Enrollment * Can also enroll in or cancel Uniform Dental Benefit

4. Benefits NOT Part of Open Enrollment • You can not enroll in State Group Life Insurance or Income Continuation Insurance during the Open Enrollment Period • You can apply for coverage through Evidence of Insurability at any time • You can cancel coverage at any time • You can enroll in or make changes to Wisconsin Deferred Compensation at any time • You can enroll in or make change to Edvest at any time

5. Get to know ALEX – Your Virtual Benefits Counselor • ALEX is an interactive decision-support tool that acts as an informative, virtual benefits counselor to help you learn more about your benefits in a personalized way. • ALEX can walk you through your benefit options, so you can find the plans that are best for you. • Click here to get started. You will select the ALEX tool for State, UWHC and Retirees. When asked for your Employment Category, most employees will select “Regular (Non-LTE) employee who works at least 50%.”

6. Open Enrollment Resources • 2020 It’s Your Choice Website • 2020 It’s Your Choice Decision Guide • Important Changes for 2020 • Health Plan Search

7. State Group Health Insurance Changes for 2020 Enrollment Choices Opt-Out Stipend Requires Action

8. Security Health Plan No Longer Available (Central & Valley) in 2020 • Security Health Plan (Central and Valley) will not be available in 2020 • Coverage will automatically terminate effective 12/31/2019 • Must enroll in a new plan during OE to have health coverage for 2020 • There are at least 2 other health plan options in each county where Security is currently offered

9. Dean Health Plan – Prevea360 Expansion

10. WEA Trust – East Expansion

11. Network Health Expansion

12. State Maintenance Plan (SMP) • SMP only offered in Forest County (no change from 2019) • Fewer providers available so employees will want to verify providers are still in- network (SMP providers)

13. Health Uniform Benefit ChangesVaccines at In-Network Pharmacies • No cost for covered vaccines: • Influenza • Pneumonia • Tetanus • Hepatitis • Shingles • Measles • Mumps • Human Papillomavirus (HPV) • Pertussis • Varicella • Meningitis • Things to Know Before You Go • Must be received at in-network pharmacy • Recommended to contact pharmacy in advance • Must present Navitus card • Travel vaccines still require a copay and will likely need to be done in the doctor’s office

14. New Medical Benefit – Bariatric Surgery & Weight Loss Services • Bariatric Surgery and Weight Loss will be provided for: • Participants with a body mass index (BMI) of 35 or greater • Participants whose health plan determines it’s medically necessary • Contact health plan for prior authorization

15. Expanded Uniform Dental Benefits • Expanded Uniform Dental Benefits • No cost periodontal maintenance • Special cleaning procedure for those with periodontal disease • Helps maintain gum & bone health • Coverage for Pulp Vitality Test • Helps dentists determine treatment plan • Caries assessments • Helps predict future dental health • Cost of Uniform Dental will increase by $1/month to $4 (single) and $9 (family)

16. State Group Health • Changes allowed: • Enroll or cancel coverage for 2020 • Add or remove eligible dependents • Only dependents 19 or older can be removed • Change health plan design or network • Enroll in or cancel Uniform Dental • Health plan providers may change annually • You should confirm that your doctors, clinics and hospitals are available in 2020. See ETF’s Health Plan Search.

17. Health Insurance Plan Designs • Before selecting a specific health plan, you need to pick a health plan design • With or Without Uniform Dental coverage • It’s Your Choice Plan (low deductible) or High Deductible Health Plan (HDHP) • Specific provider network (IYC Health Plan) or a nationwide network (Access) Resources • Health Plan Design Cost Comparison • Health Plan Design video • Key Differences Between Plan Designs

18. Low vs High Deductible Health PlanFor a full comparison chart of all health plan design options, go to:Breakdown of Your Costs

19. HDHP/HSA Eligibility • HDHP/HSA Eligibility • Employee (subscriber) must NOT be covered by any other health insurance, including Medicare Part A • Employee (subscriber) can’t be claimed as a dependent on another person’s tax return (unless it’s your spouse) • Employee (subscriber) can’t be over 65 years of age. • If the subscriber (employee) meets the HDHP eligibility requirements, the employee can enroll in single or family coverage • Even if a covered family member is eligible for Medicare or covered by other insurance, they can still be covered as a dependent on an HDHP.

20. Prescription Coverage • All health plans include prescription coverage • Prescription benefits are administered by Navitus • If enrolled in a High Deductible Health Plan or Access (not required to work out of state), must meet annual deductible before benefits are paid • For full details, including cost breakdowns, see the Pharmacy page • The Navi-Gate website has tools to help you determine the cost of your prescriptions. • Watch the Saving on Your Prescriptions video for cost saving tips

21. Prescription Coverage Summary

22. 2020 Employee Health PremiumsNon-HDHP Plans

23. 2020 Employee Health PremiumsHDHP Plans

24. Health Savings Account (HSA) ContributionIf enrolled in a High Deductible Health Plan for 2020, must enroll in an HSAMust re-enroll in HSA every year!! HSA Annual Employer Contribution* (no change from 2019) HSA Total Annual Contribution Limit (employee + employer) Single = $3,550 ($50 increase from 2019) Family = $7,100 ($100 increase from 2019) Age 55 or older = $1,000 catch-up contribution limit • Single = $750 ($31.25 bi-weekly/$62.50 monthly) • Family = $1,500 ($62.50 bi-weekly/$125.00 monthly) • If required to pay half of total health insurance premium, receive half of total HSA employer contribution NOTE: Contributions taken over 24 paychecks per year (12 if paid monthly) * If not eligible for employer contribution towards health insurance, no employer HSA contribution

25. Health Insurance Opt Out StipendIf you’re not enrolling in health insurance for 2020, you may be eligible for $2,000 opt-out stipend • Eligibility requirements • Must not be covered by state or UW health insurance in 2020 as an employee, spouse or child; and • Must NOT be a craftsworker; and • If employed by the state in 2015 and were eligible for the employer contribution towards health insurance, did NOT opt out of coverage in 2015. • Employees can enroll in the Opt-Out stipend through eBenefits • $2,000 stipend is paid over 24 pay periods per year (paid on first 2 checks payable each month) • Stipend is considered taxable earnings, but the earnings do not count towards the Wisconsin Retirement System.

26. Staywell- Well Wisconsin What’s New for 2020

27. 2020 Well Wisconsin Incentive Overview • Subscriber and spouse can both earn the incentive

28. 2020 Well Wisconsin Changes • New Portal for 2020 will be launched January 6, 2020 • Requires each user to set up a new account • Gift Cards will automatically be mailed after the incentive is reached • New portal features include: • Virtual Coaching • Doctor Chat • Team Competitions • Fitness Videos • Community Chat Feature • Ongoing diabetes management program – subscriber and spouse can get: • Lower prescription drug copays on anti-diabetic drugs • Support with managing their condition • Participants can call StayWell to join the program

29. Outgoing Supplemental Plans Long-Term Care Insurance Zurich AD&D

30. Supplemental Plans - Outgoing • Mutual of Omaha Long-Term Care Insurance will not accept new enrollments after 12/31/19 • Current participants can continue their coverage and do not have to take any action • Zurich AD&D will no longer be available • No option to continue coverage • Coverage under Zurich will end as of December 31, 2019

31. Securian Accident Plan New Plan for 2020

32. Securian Accident Plan • Plan provides a lump sum cash payment directly to you for covered injuries, emergency and hospital care, surgery and follow-up care • Multiple benefits available for any one accident • Includes AD&D coverage, Identity Theft Services and Travel Assistance • Eligible for coverage until age 70 • Premiums taken post-tax so no taxes due on paid benefits • Can only cancel coverage due to a qualifying event • Continuation available at termination or retirement until age 70 • Premiums NOT taken from annuity – continuation directly with Securian

33. Accident Plan Coverage

34. Coverage Benefit Payout Example

35. Accident Plan Resources • Plan website • Informational video • Text WIaccident to 70774 to get an electronic copy of brochure • AD&D benefits will be payable based on WRS beneficiary designation • Accident benefit summary • Accident Plan Brochure • Identity Theft Services – Generali Global Assistance • Travel Assistance - RedpointWTP

36. 2020 Accident Plan Premiums

37. Dental Plans Uniform Dental Benefit NEW for 2020: Delta Dental PPO – Preventive Plan Delta Dental PPO – Supplemental Plans (Select and Select Plus Plans)

38. Dental Plan Summary • All dental plans are administered by Delta Dental • The following plans are available: • Uniform Dental Benefits (available if enrolled in State Group Health Insurance) • Delta Dental PPO – Preventive Plan (same benefits as Uniform Dental but only available if not covered by State Group Health Insurance) • Delta Dental PPO – Supplemental Plans (offers coverage beyond Uniform Dental/Preventive Plan) • Select Plan and Select Plus Plan

39. Delta Dental Plan Comparison

40. Understanding the New Preventive Plan • Delta Dental PPO – Preventive Plan • Provides same coverage as Uniform Dental Benefits • Cleanings • Fluoride Treatment • Fillings • Children’s orthodontia • Can only enroll if not covered by State Group Health Insurance as an employee or dependent • If enrolled in State Group Health as an employee or dependent, must enroll in Uniform Dental when enrolling in health insurance (“Health with Dental” in eBenefits) • A certification must be completed in eBenefits in order to enroll in the Preventive Plan

41. Enrolling in Preventive Dental Plan in eBenefits • Waive health insurance on the OE event (if not already waived) • Click on the Edit button next to Dental – Preventive (no health)

42. Enrolling in Preventive Dental Plan in eBenefits • Answer the eligibility question correctly and click Agree

43. Enrolling in Preventive Dental Plan in eBenefits • Once the previous question is answered correctly, will be brought to the enrollment page • Enroll in plan and add any dependents

44. Delta Dental Network Differences Provider Search Page(not supported by Internet Explorer) Printable PDF Directory also available • Delta Dental PPO • Offers significant fee reduction (lower out-of-pocket costs) • Only network available in the Select Plan • One of the networks available in Uniform Dental, Preventive, & Delta Dental PPO Select Plus Plan • Delta Dental Premier • 90% of dentists in this network but the cost savings is not as significant • One of the networks available in Uniform Dental, Preventive,& Delta Dental PPO Select Plus Plan

45. Delta Dental Resources • Delta Dental website • How Basic and Major Coverage Work Together • Additional Benefits – Evidenced Based Integrated Care Plan • Provider search(not supported by Internet Explorer)

46. 2020 Delta Dental Premiums

47. VSP Vision No changes for 2020

48. VSP Summary of Benefits • VSP Resources • VSP Summary of Benefits • VSP Website • Member Login

49. 2020 VSP Premiums

50. Pre-Tax Savings AccountsNew Administrator for 2020 Healthcare FSA Limited Purpose Healthcare FSA (for those enrolled in HDHP) Dependent Day Care FSA Pre-Tax Parking and Transit ERA Health Savings Account (HSA)