WISCONSIN HEALTH INSURANCE
Health insurance is a major part of the fringe benefit package available to you as a university/state employee. The University pays a substantial portion of the premium cost.
The State Group Health Insurance Program offers comprehensive hospital, surgical, and major medical benefits and services through several health maintenance organizations (HMOs) and preferred provider plans (PPOs) as well as a self-insured preferred provider plan (the Standard Plan). The State Group Health Insurance Program is authorized under Wisconsin statute (§ 40.51 and 40.52) and administered by the Department of Employee Trust Funds under the direction of the State Group Insurance Board.
Participating health plans are approved annually for inclusion in the Program based on Group Insurance Board criteria. They are required to offer a set of uniform benefits that is substantially equivalent to the preferred provider “Standard” plan. The Standard plan does not offer the uniform benefits.
Providing new coverage options for young adults:
Health plans are now required to allow parents to keep their children under age 26 without job-based coverage on their family coverage, and, thanks to this provision, 3.1 million young people have gained coverage nationwide.
Removing lifetime limits on health benefits:
The law bans insurance companies from imposing lifetime dollar limits on health benefits – freeing cancer patients and individuals suffering from other chronic diseases from having to worry about going without treatment because of their lifetime limits.
WISCONSIN HEALTH PLANS
Wisconsin health plans for individuals, families and small businesses from most of the leading Wisconsin health insurance companies.
FOR FAMILIES AND INDIVIDUALS
Wisconsin’s most popular individual and family plans offer exceptional coverage, plus health and wellness resources to help you get and stay healthy.
Medicare doesn’t pay for everything. Help fill the “gaps” in coverage with a WPS Medicare supplement or prescription drug plan.
DEPENDENCY RULES IN WISCONSIN
Federal Health reform law states that after September 23, 2010, children are allowed to stay on their parents’ insurance plan until age 26, whether or not they are enrolled in school. Certain states may have additional rules determining dependency eligibility. Check with the Wisconsin State Department of Insurance or your parents’ insurance carrier.
Wisconsin College / University Coverage Requirements
Some Wisconsin colleges and universities may require that students to have some form of health insurance coverage. You should check with the admissions office to determine if health insurance coverage is required.
Benefits of Student Plan
Some benefits of a student plan include:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.