Health Plan Updates - What You Need to Know

The 2018 Health Plan was reviewed by a Health Strategy committee using the key requirements:

  • Attract and retain employees
  • Mitigate impact to employees
  • Drive care to Wellness Center and highest value providers (Premium Designated)
  • Continue to encourage consumerism

Based on discussion and employee feedback, here are the plan design changes for the 2018 Health Plan:

  • Move to one health plan: High Deductible Health Plan with Health Savings Account
    • Allow access to HRA carry forward monies for employees needing to move plans
  • Reduce monthly premiums for all
  • Maintain annual In-Network deductibles: $2,000-Single and $4,000-Family
  • Maintain District's annual contributions to HSA: $1,000-Single and $2,000-Family
    • February 9, 2018: $600-Single, $1,200-Family
    • September 21, 2018: $400-Single, $800-Family
  • Increase In-Network Out-of-Pocket Maximum to $3,000-Single and $6,000-Family
  • Increase Deductible and Out-of-Pocket Maximums for Out-of-Network providers
  • Addition of Tiered Coinsurance (up to out-of-pocket maximum) with coverages:
    • Elmbrook Schools Family Wellness Center: 100%
    • UHC Premium Designated Providers (two blue hearts): 100%
    • In-Network Providers: 90%
    • Out-of-Network Providers: 70%

Refer to this 2017 to 2018 plan summary comparison for a summary.