If you are a classified employee, you generally have two opportunities for enrollment in the State Group Health Insurance Program. The university does not pay the employer contribution towards the premium during the first two months of WRS covered employment (six months for LTEs). After two months (six months for LTEs), the university pays most of your health insurance premium.
- If you want health coverage as soon as possible, you must submit an application to your staff benefits specialist no later than 30 calendar days from the begin date of your appointment. You will pay the total premium for the first two months of coverage (six months for LTEs).
- If you want health coverage when the University first contributes towards the premium, you must submit your application on or before the first of the month following the month in which you complete your first two months as a state employee in the Wisconsin Retirement System (six months for an LTE).
If you are transferring from another UW System institution or state agency or if you are a new employee with at least two months of prior Wisconsin Retirement System service with a state agency, you must submit an application to your staff benefits specialist no later than 30 calendar days from the contractual begin date of your initial appointment with the university or your coverage may lapse.
Regardless of when you want your health coverage to be effective, you are strongly encouraged to submit a completed application as soon as possible to avoid missing your initial enrollment period.
What happens if I did not sign up during my enrollment opportunity? http://www.uwsa.edu/hr/benefits/newemp/deadline.htm
Employees not currently participating in the State Group Health Insurance program are eligible to apply for coverage during the annual benefits enrollment period held each October. Enrolling during this time will establish coverage effective January first of the following year.
If you are covered under the State Group Health Insurance program in effect by October 1 of any year, you will be allowed to change to a different health plan effective January 1 of the following year by submitting an application during the Annual Benefits Enrollment period in the fall.
What happens if I had other health insurance, but lost it?
If you and/or your dependent(s) are not insured under the State Group Health Insurance program because of being insured under a comparable group health insurance plan elsewhere, and you lose eligibility for that coverage or the employer terminates its premium contributions, you may take advantage of a special 30-day enrollment period to become insured in the State Group Health Insurance Program without waiting periods for pre-existing conditions, if you are otherwise eligible.
This enrollment opportunity is also available to employees and/or dependents who lose medical coverage under medical assistance (Medicaid), as a dependent of a member of the U.S. Armed Forces, or as a citizen of a country with national health care coverage comparable to the Standard Plan.
The enrollment period begins on the date the other group health insurance coverage terminates because of loss of eligibility (e.g., termination of employment, divorce, loss of employer contribution, etc., but not voluntary cancellation of coverage). If you are currently enrolled and need to change from single to family coverage, all eligible family members must have lost the other coverage in order to qualify.
To enroll, submit a health insurance application form and other information documenting the loss of coverage to your staff benefits office within 30 days of the date the other coverage ended. The effective date of coverage will be the day after the termination date of the other coverage.
Are there any other special enrollment opportunities?
HIPAA (Health Insurance Portability and Accountability Act) allows a special enrollment when an employee or dependent is eligible but not enrolled and there is a marriage, birth, adoption, or placement for adoption, if coverage is elected within 30 days of the event. Coverage is effective on the date of birth, adoption or placement for adoption, or marriage. This special enrollment also allows you to change health plans within 30 days of the event.
If you are covered when a qualifying event occurs, you can also elect to change health plans within 30 days of the event. Should you or a covered dependent ever reach the health plan's lifetime maximum benefit, you may also elect to change plan within the required time frame.
If you do not enroll during these special enrollment opportunities, your next opportunity to enroll will be during the Annual Benefits Enrollment period.