{"id":368,"date":"2019-04-22T15:00:10","date_gmt":"2019-04-22T20:00:10","guid":{"rendered":"https:\/\/www.fdl.wi.gov\/hr\/?page_id=368"},"modified":"2025-11-24T23:10:11","modified_gmt":"2025-11-25T05:10:11","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/www.fdl.wi.gov\/hr\/health-insurance\/","title":{"rendered":"Health Insurance"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><h2><strong>Medical Insurance <\/strong><\/h2>\n<h2><strong>&amp; Surviving Spouse Coverage<\/strong><\/h2>\n<p>The City of Fond du Lac currently has a self-insured PPO health plan where levels of benefits provided and employee participation are determined by the City and applicable to state and federal regulations.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2019\/01\/HIPAA_Notice_of_Privacy_Practices_6_13_02.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">HIPAA Privacy Notice<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h6><strong><span style=\"font-size: 12pt;\"><u>Eligibility<\/u><\/span><\/strong><\/h6>\n<p>All full-time and part-time City employees who are regularly scheduled a minimum of 20 hours per week are eligible for Single or Family benefits. Married couples, where both individuals are employed by the City of Fond du Lac and are both eligible for health insurance, may each elect single coverage, or one employee may elect family coverage and enroll the spouse and any dependents under that person.<\/p>\n<p>Enrollment is offered according to the following:<\/p>\n<ul>\n<li>New employees benefits are effective the 1st of the month following date of hire.\u00a0 If they are hired are ont he 1st, benefits are effective date of hire.<\/li>\n<li>Special Enrollment rights occur if there is a loss of health coverage or a change in family status such as marriage, divorce, birth, or adoption. These changes need to be brought up to Human Resources within 30 days of the qualifying event.<\/li>\n<li>Open enrollment is offered in the fall prior to the start of each benefit year.<\/li>\n<\/ul>\n<h6><span style=\"font-size: 12pt;\"><strong><u>Employee Contributions<\/u><\/strong><\/span><\/h6>\n<p>It is the City\u2019s policy that employees pay 20% towards the monthly premium cost of their health insurance. The City pays the balance of 80%. The City may provide additional incentives for completing a Health Risk Assessment.<\/p>\n<p><em>Part-time Employees: The City will contribute towards single coverage plan premiums at the full-time active employee rate for part-time employees who regularly work a minimum of 20 hours per week. Regular part-time employees electing family coverage are responsible for paying the difference between the total monthly family premium and the City\u2019s contribution to the single coverage plan premium for full-time active employees.<\/em><\/p>\n<\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><h6><strong><span style=\"font-size: 12pt;\"><u>Auxiant &amp; Health Payment Systems <\/u><\/span><\/strong><\/h6>\n<p>Auxiant is the City\u2019s Third Party Administrator that processes claims for the health plan while Health Payment System (HPS) is the company that manages the provider network. Auxiant and HPS work very closely together to provide access to a comprehensive network of medical providers and process claims quickly and efficiently.<\/p>\n<ul>\n<li>Auxiant provides users access to their personal claims, flex accounts, provider directories, deductible and out-of-pocket amounts, prescription benefit information, and just about anything necessary to navigate and organize their health coverage plan by registering on their website <a href=\"https:\/\/www.auxiant.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">(www.auxiant.com)<\/a>.<\/li>\n<li>HPS provides access to medical providers and pays the doctors on the employee\u2019s behalf for in-network visits. Employees are billed by HPS once a month so they spend less time figuring out their health care bills and paying each separately. Their website <a href=\"https:\/\/www.hps.md\/\" target=\"_blank\" rel=\"noopener noreferrer\">(www.hps.md)<\/a> also contains a provider search as well as billing and transaction history.<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/provdir.hps.md\/Default.aspx?Network=THN&amp;providerType=p&amp;gender=e&amp;city=&amp;state=&amp;zip=&amp;firstName=Steven&amp;lastName=Sewall&amp;specialtyId=-1&amp;specialtyDesc=ANY\" target=\"_blank\" rel=\"noopener noreferrer\">HPS Provider Directory<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/HPS_Flier_Aging_.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Managing your Healthcare Finances with HPS<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/HPS_Flier_Collections_.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">HPS and the Collections Process<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/HPS_FAQ_May2019_v3.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">HPS Interactive FAQs<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Auxiant, an independent third party administrator of self-funded health plans, creates and publishes the Machine-Readable Files on behalf of the City of Fond du Lac.\u00a0 To link to the Machine-Readable Files, please click on the URL provided: <a href=\"https:\/\/secure-web.cisco.com\/146lM0ezC3BLnRj6Q6Abq_sJDQE1uPAAh9_I5tWVuq-xkAKaJH8BPm1du8TdX9GgRHQfWwJH82CFjQU-SzMgCdfTEAPocSIUZARqXtzWONon75uf3zoZgFPbcd295GEQCejkp9fGFzDcEqGehBMl7f8oEdvSk8GzFRtJDnbFSw8L7l9jrWBTcaBUJbfFrWpzO_z6U-jRpHFIz4fsfLAr7Xce5YE5r_CzY8yozrwpPJoYweq6-nWG9lhi8Ovserx1KfLeseA0Hqnm-Lp5wwe0j-IZ1mM-V1rtAvzok4hwtYfVoiNFIgI6GGxFZad1ZrgLm\/https%3A%2F%2Ftransparency.auxiant.com%2F\">https:\/\/transparency.auxiant.com\/<\/a><\/li>\n<\/ul>\n<h6><strong><span style=\"font-size: 12pt;\"><u>Summary of Benefits &amp; Coverage<\/u><\/span><\/strong><\/h6>\n<p>The full Summary of Benefits and Coverage explains how the plan distributes costs for covered health care services. This summary can be found through Auxiant or Human Resources. It is also provided in the open enrollment packet each year.<\/p>\n<p>This summary can be found below.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2025\/10\/2026-City-of-Fond-du-Lac-SBC-eff-1-26.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener\">2026 Summary of Benefits &amp; Coverage (SBC)<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2024\/10\/2025-City-of-Fond-du-Lac-SBC.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener\">2025 Summary of Benefits &amp; Coverage (SBC)<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2025\/06\/2025.01-SPD-SIGNED-City-of-Fond-du-Lac-Rewite-8.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener\">Summary Plan Description (SPD)<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"fusion-text fusion-text-3\"><h6><strong><span style=\"font-size: 12pt;\"><u>Surviving Spouse &amp; Dependent Children Health Insurance Continuation<\/u><\/span><\/strong><\/h6>\n<p>The City believes that the benefits discussed under Wisconsin Statutes \u00a766.0137 (municipalities are required to contribute towards the health insurance premiums for fire fighters and continue to pay those premiums for the spouse and\/or dependent children of a fire fighter who dies in the line of duty) should be extended to the surviving spouse and dependent children of all City employees who die in the line of duty. Therefore, the City provides the following benefits should this occur:<\/p>\n<ul>\n<li>The City will continue to pay the premiums for a surviving spouse until the spouse remarries or reaches age 65.<\/li>\n<li>The City will continue to pay the premiums for a dependent child until the child reaches the age of 18 unless the child is a full-time student in secondary school OR a full-time or part-time student in an accredited college or university and has not reached the end of the calendar year in which he\/she turns 27.<\/li>\n<\/ul>\n<hr \/>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><h2><strong>Prescription Drug Coverage<\/strong><\/h2>\n<p>National CooperativeRx is the City of Fond du Lac&#8217;s PBM. National CooperativeRx is a not-for-profit, member-owned cooperative made up of employers and coalitions who provide pharmacy benefits to employees and their dependents. They provide high-quality, cost-effective pharmacy benefit management (CVS Caremark) with honest, transparent pricing. Since National CooperativeRx is a large group with high purchasing power, they see more savings, better discounts, rebates, and more fair terms and customization opportunities.<\/p>\n<p>CVS Caremark has convenient and affordable medication options as well as a multitude of digital tools. Save time, keep costs down and stay on top of your prescriptions. See information below or on their website <a href=\"https:\/\/www.caremark.com\/\">(www.caremark.com\/).<\/a><\/p>\n<p>Specific costs can be found in the Summary of Benefits and Coverage.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/Mobile-App_106-50181A_Caremark_OE_SellSheet_MobileApp_NoCobrand-070820-1.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CVS Mobile App<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/MAIL-Order_106-50571A_Caremark_OE_SellSheet_MailService_NoCobrand-071720-1.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CVS Mail Service<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/Generics_106-42431C_Caremark_OE_SellSheet_Generics_NoCobrand-071720-1.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Generics with CVS<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2020\/11\/DigitalBenefits_106-52295A_Caremark_OE_SellSheet_DigitalBenefits_NoCobrand-071420-1.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Digital Benefits<\/a><\/li>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2022\/10\/2023-PrudentRx-Specialty-Copay-Flyer.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">PrudentRx Specialty Copay Flyer<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><h2><strong>Comprehensive Health Services<\/strong><\/h2>\n<p>As part of our commitment to employee wellness, if you are enrolled in the company\u2019s health insurance plan, you\u2019ll have access to a variety of convenient and cost-effective healthcare services. These include Corporate Care Clinic, Teladoc, Garner Health, and ATI Physical Therapy.<\/p>\n<p><strong>Corporate Care Clinic (CCC): <\/strong>The City of Fond du Lac works with FABOH and the Corporate Care Clinic (920-926-5578) to provide members under the health plan ways to save money. The City\u2019s contract with the Corporate Care Clinic has a set list of several common services that are provided to City health plan members at no cost. (The list includes:<\/p>\n<ul>\n<li>New patient visits<\/li>\n<li>Established patient visits<\/li>\n<li>Preventative visits<\/li>\n<li>Acute Care<\/li>\n<li>Disease management, with different levels based on care needed and the age of the patient.) and more!<\/li>\n<\/ul>\n<p>There are other services provided that will be covered by insurance but may be subject to deductible and coinsurance. You can verify what coverage level your visit will likely be set at ahead of time by contacting Human Resources and\/or Auxiant.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2021\/06\/Corporate-Care-Clinic-Power-Point-with-voiceover.pptx\">Corporate Care Clinic Power Point with voiceover<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Teladoc: <\/strong>Another great option for fast, cost-effective, non-urgent care is Teladoc. This popular program provides employees on the City\u2019s health plan access to licensed physicians by phone, video, and mobile app 24 hours a day, 7 days a week. All services available through Teladoc are provided to members covered under the City\u2019s health plan at no cost.<\/p>\n<p>You can be seen for both medical care and mental health care.\u00a0 For medical care you can be seen typically within 15 minutes.\u00a0 For mental health care you can pick the provider that is best for you and schedule an appointment.\u00a0 You can be seen for the following:<\/p>\n<ul>\n<li>Cold &amp; Flu<\/li>\n<li>Allergies<\/li>\n<li>Skin Problems<\/li>\n<li>Anxiety<\/li>\n<li>Depression<\/li>\n<li>PTST<\/li>\n<li>Stress<\/li>\n<li>ADHD and more!\n<ul>\n<li><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2019\/01\/OE-Flyers-Teladoc.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Teladoc<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Garner Health:<\/strong>\u00a0Garner is a free healthcare benefit for those on the Health plan that connects you to the best medical providers with a quick search on their app. By utilizing Garner, Garner will reimburse you for qualifying out-of-pocket medical costs.<\/p>\n<p><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2024\/10\/Garner-to-EE.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener\">Garner Health<\/a><\/p>\n<p><strong>ATI Physical Therapy:<\/strong>\u00a0<span style=\"font-size: 12pt;\">ATI Physical Therapy benefit is for employees and dependents enrolled in the health plan at City of Fond du Lac are covered at 100% for all therapy sessions with a zero-dollar copay and no deductible requirement to utilize the services. You do not need a physician referral to start physical therapy treatment for most conditions. If you have another primary insurance, then those guidelines must be followed.\u00a0\u00a0<\/span>ATI offers personalized rehabilitation treatment with hands-on physical therapy for a variety of concerns and conditions including:<\/p>\n<ul>\n<li>Acute and chronic pain<\/li>\n<li>Strain and sprains<\/li>\n<li>Joint trauma<\/li>\n<li>Sciatica<\/li>\n<li>Headaches<\/li>\n<li>TMJ dysfunction\/jaw pain<\/li>\n<li>Vestibular dysfunction\/vertigo\/dizziness<\/li>\n<li>Balance disorders and fall prevention<\/li>\n<li>Difficulty walking\/gait dysfunction<\/li>\n<li>Overuse injuries<\/li>\n<li>Pre-and post-surgical conditions<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fdl.wi.gov\/hr\/wp-content\/uploads\/sites\/12\/2024\/10\/240930_Flyer_Direct_Fond-du-Lac_CONNECT.pdf\" class=\"mtli_attachment mtli_pdf\" target=\"_blank\" rel=\"noopener\">ATI Physical Therapy<\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#e0dede;border-top-width:1px;border-bottom-width:1px;\"><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-6\"><h5 style=\"text-align: right;\"><span style=\"font-size: 12pt;\">Changes to benefits due to a qualifying life event (such as marriage, divorce, birth of child, etc.) must be made\u00a0<strong>within 30 days<\/strong>\u00a0of the event. Please contact Human Resources at (920)322-3623.<\/span><\/h5>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":25,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_relevanssi_hide_post":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","footnotes":""},"categories":[],"tags":[58,167,132,133,134,131,116,166,135,42,136,65,40,43,165,66,129,128,127,130,137,67],"class_list":["post-368","page","type-page","status-publish","hentry","tag-auxiant","tag-caremark","tag-ccc","tag-clinic","tag-co-pays","tag-corporate-care-clinic","tag-coverage","tag-cvs","tag-deductible","tag-health","tag-health-payment-systems","tag-hps","tag-insurance","tag-medical","tag-national-cooperativerx","tag-novo","tag-optrumrx","tag-optum","tag-prescription","tag-rx","tag-surviving-spouse","tag-teladoc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance - Human Resources - City of Fond du Lac<\/title>\n<meta name=\"description\" content=\"Get the most from you City of Fond du Lac health insurance. 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