1. Short Term Academic Staff & Graduate Assistant Benefits Orientation UW-L Human Resources

2. Tax-Sheltered Annuity Program (TSA) Wisconsin Deferred Compensation Flexible Spending Account (FSA) Edvest College Tuition Program UW-L Human Resources

3. Supplemental retirement account ◦ Voluntary employee contributions ◦ No employer matching 5 TSA Companies to choose from: ◦ Fidelity ◦ T. Rowe Price ◦ TIAA-CREF ◦ Ameriprise/RiverSource Life Insurance ◦ Lincoln National Life Insurance 2016 Contribution amounts ◦ Maximum: $18,000 per year ◦ Minimum: $20 per month ◦ Age 50 and older: $24,000 Enroll by completing vendor application and salary reduction agreement form $12.00 annual administrative fee to participate (fee waived for 2016) UW-L Human Resources

4. Supplemental retirement account ◦ Voluntary employee contributions ◦ No employer matching To enroll or for additional information, please contact: ◦ Telephone Number: (877) 457-9327 ◦ Website: http://www.wdc457.orghttp://www.wdc457.org Funds are chosen and monitored by the State Deferred Compensation Board. 2016 Contribution amounts ◦ Maximum: $18,000 per year ◦ Minimum: None ◦ Age 50 and older: $24,000 Administrative fees based on total account balance and will be between $0 and $15 per month UW-L Human Resources

5. Required Annual Open Enrollment ◦ Application due within 30 days of employment. Medical Expenses Account Eligible expenses include prescription co-pays, office visit co-pays, deductibles, coinsurance, dental care, etc.  $100 minimum  $2,550 maximum Dependent Care Account ◦ $5,000 maximum  Single, Head of Household and Married, Filing Jointly ◦ $2,500 maximum  Married, Filing Separately UW-L Human Resources

6. Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accounts Call toll free: (888) 338-3789 for an information and enrollment kit Enrollment Web site: www.Edvest.com/savenow or call toll free at 1-800-368-2424www.Edvest.com/savenow UW-L Human Resources

7. State Group Health Insurance Life Insurances ◦ State Group Life ◦ Individual & Family Life Ins. ◦ UW Employees Inc. Accidental Death & Dismemberment (AD & D) EPIC Benefits Plus Dental Wisconsin VSP Vision Insurance Long-term Care Insurance UW-L Human Resources

8. Administered by Department of Employee Trust Funds (ETF) An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment. Applications received on the first of the month will be effective on that day. Applications received after the first become effective the next month. See “It’s Your Choice” Decision Guide for additional information. All health insurance information can be found on It's Your Choice webpage.It's Your Choice webpage To find out which health plans have providers in your area, refer to It's Your Choice 2016. It's Your Choice 2016 UW-L Human Resources

9. IYC Plans (La Crosse area) ◦ Health Tradition ◦ Health Partners ◦ Gundersen ◦ WEA Trust NW Access Plan (PPO) ◦ Wisconsin Physicians Service Comparison of Medical Benefits chart: http://etf.wi.gov/members/IYC2016/et-2107cb.asp http://etf.wi.gov/members/IYC2016/et-2107cb.asp UW-L Human Resources

10. HMO medical care must be received in selected, in-network Medical Center except for emergency care or when referred. Deductible/coinsurance/copay ◦ Deductibles are $250/single & $500/family. ◦ 10% Coinsurance up to out-of-pocket maximum. ◦ Primary care visit $15 copay. Specialty care visit $25 copay. ◦ Preventative care covered at 100%. ◦ Out-of-pocket max is $1250/person, $2,500/family Pre-tax Employee Premiums ◦ Single: $44.50/month with dental & $41.50/month without dental. ◦ Family: $112.50/month with dental & $104.50/month without dental. UW-L Human Resources

11. ◦ All plans are required to provide the same level of coverage (uniform benefits) ◦ Health Tradition Health Plan  Provider: Mayo Health System – Franciscan Health Care  Health club membership and CSA reimbursement available ◦ Health Partners Health Plan  La Crosse Area Provider: Gundersen Health System  Health club membership reimbursement available ◦ Gundersen Health Plan  Provider: Gundersen Health System ◦ WEA Trust Northwest  Provider: Mayo Health System – Franciscan Health Care UW-L Human Resources

12. WPS is administrator Freedom to choose physician and location of service ◦ In-network provider  Plan pays 90% for benefits. 10% co-insurance.  In-network preventative care covered at 100%.  Primary care visit $15 copay, specialty care visit $25 copay.  Deductible $250 per person per calendar year or $500 per family per calendar year.  Out-of-pocket limit of $1,000 per person or $2,000 per family per calendar year. ◦ Out-of-network provider  Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met.  Deductible $500 per person per calendar year or $1,000 per family per calendar year.  Out-of-pocket limit of $2,000 per person or $4,000 per family per calendar year. Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission. Pre-tax Employee Premiums: ◦ Single: $128.00/month with dental and $125.00/month without dental. ◦ Family: $320.00/month with dental and $312.00/month without dental. UW-L Human Resources

13.  Dental benefit is optional with State Group Health Enrollment. ◦ Each state group health plan option has premium with dental and premium without dental.  Plans have limited uniform dental coverage with Delta Dental (no deductible).  Preventive & Diagnostic (in-network) ◦ 100% Coverage  Primary/Basic Service (in-network) ◦ 80% Coverage  Maximum Dental Benefit: up to $1,000 per person per year.  See dental comparison chart for more information about uniform dental coverage. UW-L Human Resources

14. Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription. 3 Tiers for Co-Payments/Coinsurance ◦ Level 1: $5.00 ◦ Level 2: 20% with a $50.00 maximum. ◦ Level 3: 40% with a $150.00 maximum. ◦ Level 4: $50.00 Preferred or 40% with a $200.00 maximum ▪ Level 3 prescription drugs do not count toward the annual out-of-pocket maximum below. Annual prescription drug out-of pocket maximums apply for levels 1, 2 & 4: ◦ Individual: $600 Level 4 is $1200.00 ◦ Family: $1200 Level 4 is $2,400.00 Access Plan: ◦ Individual: $1,000Level 4 is $1200.00 ◦ Family: $2,000Level 4 is $2,400.00 Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments. For additional information, please contact (866) 333-2757 or visit the website: http://www.navitus.comhttp://www.navitus.com UW-L Human Resources

15. University Insurance Association Life Insurance University of Wisconsin Employees, Inc. Life Individual & Family Group Life UW-L Human Resources

16. Graduate Assistants are not eligible for this coverage. Coverage is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2,567.00 per month Coverage begins October 1 following employment start date Decreasing term life insurance Benefit level begins at $101,000 for individuals 28 years of age and younger Benefit level decreases to $3,400 at age 70 and above $24.00 annual premium: ◦ Deduction taken on November 1st check No application is necessary Beneficiary designation: www.uwsa.edu/hr/benefits/ins/luia_bene.pdfwww.uwsa.edu/hr/benefits/ins/luia_bene.pdf UW-L Human Resources

18. Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program. Coverage begins on the first of the month after Human Resources receives application. Late enrollment requires medical evidence of insurability. Benefits include: ◦ Decreasing term insurance. ◦ Coverage amount based on age. ◦ Ranges from $33,000 (under age 35) to $7,000 (age 65 and over). Beneficiary Designation: www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdfwww.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf UW-L Human Resources

19. Must apply within 30 days of employment Coverage begins the first of the month after Human Resources receives application You may elect initial coverage at the following amounts: ◦ Employee: $5,000 / $10,000 / $15,000 / $20,000 ◦ Spouse/Domestic Partner: $5,000 / $10,000 ◦ Children: $2,500 / $5,000 Can increase coverage level on an annual basis during Annual Increase Option Period every October Maximum coverage amount: ◦ Employee: $300,000 ◦ Spouse/domestic partner: $150,000 ◦ Children: $25,000 Late enrollment requires medical evidence of insurability Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdfhttp://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf UW-L Human Resources

20. Open enrollment anytime Insurance is effective on the first of the month following receipt of the application Benefit payable for accidental death or dismemberment only Includes an education and training benefit for any covered surviving dependents Coverage options range from $25,000 to $500,000 for single and family coverage Premiums are based upon plan and coverage option selected Coverage also includes Zurich Travel Assist package Application/Beneficiary Designation: ◦ www.uwsa.edu/hr/benefits/ins/uws1245.pdf www.uwsa.edu/hr/benefits/ins/uws1245.pdf UW-L Human Resources

21. Must apply within 30 days of employment Supplemental Dental Coverage: ◦ Crowns, implants, bridges, and other major services are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible Orthodontia Coverage: ◦ Pays 50% up to $1,200 orthodontia lifetime maximum for dependent children under age 19, after a 12-month waiting period Vision Benefit: ◦ Davis Vision Discount Program is optional for an added premium Hospital/Surgery Benefit: ◦ Pays $200 for each outpatient surgery (at approved facility) or $200/day of hospital confinement beginning with third day Accidental death & dismemberment coverage This does not replace Health Insurance Coverage Options Without Vision With Vision Employee$19.77$24.02 Employee and Child$39.54$47.04 Employee & Spouse/ Domestic Partner $39.54$47.04 Family$59.31$70.34 2016 Monthly Premiums UW-L Human Resources

22. Must apply within 30 days of employment. A dental provider must be selected from those associated with the plan A plan orthodontist must be used Two plans to choose from:  Preferred Provider Plan (PPO)  Select Plan UW-L Human Resources

23. If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choice Obtain a greater benefit for services by using in- network provider Annual deductible: ◦ $25 in-network dentist ◦ $50 out-of-network dentist Waiting period: ◦ Diagnostic and Preventative services ◦ Basic and Major Services: 3 months for new enrollees only ◦ Orthodontia: 12 months PPO Provider Directory: www.uwsa.edu/hr/benefits/ins/dppoprov.pdf www.uwsa.edu/hr/benefits/ins/dppoprov.pdf 2016 Monthly Premiums PPO Plan Employee$25.49 Employee & Spouse/ Domestic Partner $53.96 Employee & Child(ren) $60.34 Family$91.21 UW-L Human Resources

24. If your health plan has a dental benefit AND you want additional comprehensive benefits This plan supplements dental benefits provided by health plan Freedom to choose any dentist No coverage for preventive or diagnostic services. Many restorative services are partially covered after a $50 deductible. Waiting Period: ◦ Basic and Major Services: 3 months for new enrollees only ◦ Orthodontia: 12 months 2016 Monthly Premiums Select Plan Employee$20.52 Employee & Spouse/Domestic Partner $42.19 Employee & Child(ren)$48.68 Family$71.59 UW-L Human Resources

26. Must enroll within 30 days of employment begin date ◦ No subscriber card: Use Person ID# Covers: ◦ One eye exam per year with a $15 co-pay ◦ One pair of lenses/contacts per year after co-pay ◦ Frames covered once every 24 months after $25 co-pay Must enroll for entire year for eligibility Premiums are paid pre-tax Plan Information: www.uwsa.edu/hr/benefits/ins/vision.htm www.uwsa.edu/hr/benefits/ins/vision.htm 2016 Monthly Premiums Coverage Options Employee Only$6.54 Employee & Spouse/Domestic Partner $13.08 Employee & Child(ren)$14.73 Employee & Family$23.54 UW-L Human Resources

27. All employees, spouses and parents of both may apply at any time, subject to medical underwriting. Visit the ETF website for additional information: http://etf.wi.gov/members/benefits_ltci.htm http://etf.wi.gov/members/benefits_ltci.htm UW-L Human Resources