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The primary health insurance for UW employees is provided by the State Group Health Insurance Program. This program is managed by the Wisconsin Group Insurance Board and the Department of Employee Trust Funds. It covers most state employees as well as eligible UW short-term academic staff, graduate assistants, and employees-in-training. It consists of an array of managed care ("HMO") plans and the Standard Plan, which is a self-insured preferred provider plan.
Employees who are eligible for the State Group Health Insurance Program are also eligible to enroll,within certain deadlines, in the Epic Dental and Excess Medical Insurance Program. This plan pays certain medical expenses that remain after your primary health insurance has paid. It also pays dental procedures.
Unless they are exempt due to student status, all employees are covered under Social Security and Medicare. As long as you are actively working, you and your dependents need not enroll for Medicare health care benefits. However, unless you have health insurance coverage through a working spouse, you must enroll for Medicare Part A and Part B as soon as you reach age 65 or retire, whichever is later.
Health Insurance Marketplace
Beginning in 2014, the federal Affordable Care Act (ACA) requires most everyone to obtain health insurance for themselves and their dependents or pay a penalty when filing their tax returns. The Marketplace (or Exchange) is a new option for people to obtain health insurance.
If you will have State Group Health Insurance through your employment at the UW, you do not need to enroll through the Marketplace or take any action, unless you choose to do so.
Worker's compensation provides medical treatment for injuries sustained on the job.
You can set aside money on a pretax basis to pay for anticipated medical expenses, such as your co-pays for prescription drugs, through your Employee Reimbursement Account.