Benefit Enrollment and Change Period Begins October 3

There are important changes to your benefits for 2012 that may require you to take action during the Benefit Enrollment and Change Period that begins on October 3, 2011 and ends on October 28, 2011 for all participating plans.

All benefits, except the Employee Reimbursement Account (ERA) program, automatically continue from year to year. You must re-enroll in the ERA program every year.

This is typically the only time during the year when you are eligible to make benefit plan changes unless you have a life event (marriage, birth, divorce, etc.) that allows you to add or change benefits. Even If you do not want to make any changes to your benefits for 2012, please take a few moments to review the fall enrollment materials to ensure that your current benefits and health plan will be available to you next year. If you do not want to make any changes, you do not have to submit any applications.

You may take the following actions during the upcoming benefit and enrollment change period:

• NEW: Enroll for health insurance if you are not currently enrolled
• NEW: Increase your Individual and Family Life Insurance coverage level (if enrolled as of October 1st)
• Change health insurance plans
• Change from single to family health insurance or add additional eligible family members to family health insurance
• Add or remove eligible dependent children age 19-25 or a domestic partner to or from health insurance, VSP, Dental Wisconsin, Anthem DentalBlue, and EPIC Benefits+
• Enroll in plans that have an open or special enrollment (VSP, Dental Wisconsin, EPIC Benefits+, UW Employees, Inc. Life Insurance)
• Add or remove the optional vision insurance offered under EPIC Benefits+ (this option will be limited in the future)
• If already enrolled in Anthem DentalBlue or Dental Wisconsin, change coverage level or plan
• If already enrolled in VSP or EPIC Benefits+, change coverage level
• Enroll in UW Employees, Inc. Life Insurance (if not currently enrolled)
• Enroll in Employee Reimbursement Account (ERA) program (medical expense and dependent care). You must re-enroll each year.
• Cancel coverage under any plan for the 2012 plan year – must submit application on or before December 1, 2011.

All benefit enrollments and changes made during this period will be effective January 1, 2012.

All insurance premiums are available on the UW Service Center website. Both 2011 and 2012 premiums are listed on the website.

Changes that Apply to Multiple Benefit Plans

• Married or unmarried adult children, whether dependent upon you or not, will be eligible for coverage under State Group Health Insurance, VSP, and Anthem DentalBlue until the end of the month in which they turn age 26. They were previously eligible until the end of the month in which they turned 27.
• Unmarried adult children, whether dependent upon you or not, will be eligible for coverage under Dental Wisconsin and EPIC Benefits+ until the end of the month in which they turn age 26. They were previously eligible until the end of the month in which they turned 27.
• Coverage under all benefit plans, except State Group Life Insurance, will end at the end of the month in which you terminate employment or retire.

State Group Health Insurance | It's Your Choice Period: October 3–28

Eligibility: All active, benefit-eligible UW System employees may enroll in coverage during the open enrollment period.

New for 2012

• The It's Your Choice period is now a true open enrollment period – if you do not carry coverage and are otherwise benefits eligible, you may enroll in State Group Health Insurance and are not subject to any pre-existing condition clauses.
• If covered by an HMO or are covered by and receive in-network benefits from one of the Preferred Provider Plans (WEA Trust or WPS Metro Choice), you will pay 10% coinsurance for non-preventive medical services, up to an annual maximum of $500 per person or $1,000 per family.
• If covered by the Standard Plan, you will pay 10% coinsurance for non-preventive in-network medical services, up to an annual out-of-pocket maximum of $800 per person or $1,600 and per family after a $200 deductible per person or $400 per family. Your coinsurance for out-of-network benefits will increase to 30% coinsurance for non-preventive medical services, with no change to the deductible or annual out-of-pocket maximum. A number of benefits have been modernized and modified.

See the State Group Health Insurance It's Your Choice page for plan booklets, premium information, and more details about changes for 2012. You should also read this information to confirm that your current health plan will be available in 2012 and to review any changes to your coverage. Your current health plan will send you a letter in early October to alert you about changes for 2012, including a list of providers that will no longer be available.

Dental Wisconsin Dental Insurance | Open Enrollment and Change Period: October 3–28

Eligibility: All active, benefit-eligible UW System employees may enroll in coverage during the open enrollment period. Current subscribers may also change from the Preferred Provider Organization (PPO) to the Select Plan or from the Select Plan to the PPO.

See the Dental Wisconsin page for enrollment, plan, and premium information.

EPIC Benefits+ | Special Enrollment Period: October 3–28

Eligibility: All active, benefit-eligible UW System employees may enroll in coverage during this special enrollment period. Current subscribers may also add or remove the optional vision insurance benefit.

New for 2012:  The excess medical portion of the plan was removed and a Hospital and Surgery Benefit was added. Under the new benefit, you will receive $100 for each day of hospitalization in excess of three days or following an outpatient surgery performed at a hospital or ambulatory surgical center.

See the EPIC Benefits+ page for enrollment, plan, and premium information.

Anthem DentalBlue Dental Insurance | Change Period: October 3–28

Eligibility: Employees who have Anthem DentalBlue coverage in force as of October 1, 2011. Plan will not be open to new enrollees for 2012. Plan will no longer be available in 2013.

See the Anthem DentalBlue page for enrollment, plan, and premium information.

VSP Vision Insurance | Open Enrollment and Change Period: October 3–28

Eligibility: All active, benefit-eligible UW System employees may enroll in coverage during the enrollment period.

See the VSP page for enrollment, plan, and premium information.

Employee Reimbursement Account (ERA) Program | Open Enrollment Period: October 3–28

Eligibility: All active, benefit-eligible UW employees, except those in the following positions: LTE, Research Assistant, Fellow, Scholar, Graduate Intern/Trainee, or Post-Doctoral Fellow/Trainee.

New for 2012: If you have coverage under State Group Health Insurance, you will have increased out-of-pocket costs due to new coinsurance provisions. The coinsurance that you pay for eligible services qualifies for reimbursement under the ERA program.

This is the first year that the ERA enrollment period does not extend beyond the It's Your Choice health insurance enrollment period. The enrollment period for all participating plans ends on October 28th.

See the ERA page for details and enrollment information.

UW Employees, Inc. Life Insurance | Open Enrollment Period: October 3–28

Eligibility: All active, benefit-eligible UW System employees may enroll in coverage during the enrollment period.

New for 2012: Coverage levels will slightly increase but there will be no premium increase. Effective October 1, 2011, Minnesota Life will become the new carrier of the plan (Country Life Insurance Company was the previous carrier). Due to the change in carrier, beneficiary designations currently on file will no longer be valid as of January 1, 2012.

See the UW Employees, Inc. Life Insurance page for enrollment, plan, beneficiary, and premium information.

Individual and Family Life Insurance | Annual Increase Option (AIO) Period: October 3–28

Eligibility: Employees who have Individual and Family Life Insurance coverage in force as of October 1, 2011.

New for 2012: This is the first year in which the Individual and Family Life Insurance Annual Increase Option (AIO) period is included in the Benefit Enrollment and Change Period. Individualized notices will NOT be mailed to an employee's home address. You will receive an email from UWHRAdministration@ohr.wisc.edu that includes a link to the application and your current coverage level and premium.

See the Individual and Family Life Insurance page for coverage increase, plan and premium information.

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The following plans are not part of the Benefit and Enrollment Change Period. You can enroll in or make changes to these plans at any time.

Tax-Sheltered Annuity 403(b) Program and Wisconsin Deferred Compensation (457 plan)

Eligibility: All UW employees, including graduate assistants and student hourly employees — with the exception of research assistants, some employees-in-training, fellows, and interns — are eligible to participate in both programs.

New for the fall of 2011: Both plans now offer a Roth option. The Roth option allows you to contribute to your TSA or WDC account with after-tax dollars.

See the Tax-Sheltered Annuity 403(b) Program and Wisconsin Deferred Compensation (457) Program page for additional information.

Accidental Death and Dismemberment Insurance

Eligibility: Any active, benefit-eligible UW employee can enroll or change benefit level at any time

See the AD&D page for enrollment, plan and premium information.

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Annual Benefits and Beneficiary Designation Review

You should review your benefits on an annual basis or if you experience a life event (marriage, divorce, birth, death, etc.). You can review your current benefit enrollments online by visiting the My UW System portal:

1. Log in to My UW System.
2. Scroll down to view the Benefit Information module; this module includes multiple options for viewing your enrollment information.
   • The Summary tab displays an overview of your current coverage selections. The View Benefits Summary Detail link provides you with specific enrollment information found in your HRS record.
   • The Statements tab contains links to your benefits statements. Click the 2011 UW Staff Benefit Statement link to view detailed information about your benefit coverage.

This is also a good time to review your beneficiary designations for the following benefits that provide payment at death:

• Retirement Accounts – Wisconsin Retirement System, Tax-Sheltered Annuity 403(b) Plan, Wisconsin Deferred Compensation
• Life Insurance – State Group Life Insurance, Individual and Family Life Insurance, UW Employees, Inc. Life Insurance, University Insurance Association (UIA) Life Insurance and Accidental Death & Dismemberment Insurance.
• Other: EPIC Benefits+ (small AD&D benefit)

Beneficiary designations for most plans are available on the Beneficiary Designation page.