Health Insurance
Health Insurance
Embedded Files
Middleton-Cross Plains Area School District offers health insurance through Dean Health Plan. We are able to offer eligible employees a single or family level of coverage with a choice of a HMO (Health Maintenance Organization) plan, a POS (Point of Service) plan, or a HDHP (High Deductible Health Plan ) with HSA.
Employees that carry MCPASD insurance and their covered dependents are welcome to use the MCPASD Employee Health Clinic
Eligibility and Enrollment
Eligibility and Enrollment
An employee is eligible for health insurance if they
Currently qualify as ACA Full Time under the measurement method selected by MCPASD (ALE)
Are currently expected to work 30 hours per week or more
Dependent Eligiblity
Legal Spouse
Legal Dependents up to age 26
To enroll, please complete a Benefit Enrollment Form and return it to a Benefits Specialist
Health insurance is offered
Within 30 days of hire, if hired into a benefit eligible position
Within 30 days of a change in assignment to a benefit eligible position or increase in hours to meet eligibility
Within 30 days of a HIPAA qualifying life event (See Life Changing Events page for more information)
Annually during open enrollment in fall for coverage beginning on January 1
Coverage is effective first of the month following the start/change/life event date.
Plan Options
Plan Options
MCPASD offers active employees a choice of HMO, POS or HDHP.
Tools to help you make the right decision for you:
How to find a First Health Network provider? First Health Network providers are under contract with Dean and will not balance bill
HMO
HMO
HMO Summary of Benefits and Coverage (SBC) 2025
HMO Schedule of Benefits (Member Certificate) 2025
POS
POS
POS Summary of Benefits and Coverage (SBC) 2025
POS Schedule of Benefits (Member Certificate) 2025
HDHP
HDHP Summary of Benefits and Coverage (SBC) 2025
HDHP Schedule of Benefits (Member Certificate) 2025
Rates
Rates
*Employer paid portion assumes completion of annual Health Risk Assessment (HRA)
An employee that does not complete annual HRA will pay additional 3% rate differential of HMO premium
Information concerning payroll deductions
Per payroll deductions are calculated by totaling costs divided by number of paychecks an employee receives annually
Premiums are billed the month before coverage (i.e. September deductions pay for October coverage)
New enrollees may have higher deductions for a time to catch up to billing cycle
Recalculations may happen for a variety of reasons, including change in FTE, missed paychecks or audit findings
New to Dean Health Plan
New to Dean Health Plan
To help familiarize you with Dean Health Plan services, we provided an introductory six week email campaign with highlights to help you navigate the system. The emails are cataloged here for future reference and for new members. As always, we invite you to reach out to the Welcome Center at 1.608.250.1134 Monday through Friday 7:00am - 4:00pm with any questions.
Week 2: Wellness Rewards and Discounts
Week 3: Prescription Drug Information
Week 4: Out of Area Dependents
Dean Health Plan Resources
Dean Health Plan Resources
Member Benefit Information Group Codes: HMO 33770 POS: 17ICVS6 HDHP: 17LWWO1
Finding the Lowest Price for Prescriptions
Member Drug Formularies - Large Employer - Select Tier 3 Formulary
Prescription Reimbursement Form
Annual Health Risk Assessment (HRA)
Annual Health Risk Assessment (HRA)
Instructions on how to complete the 2025 Health Risk Assessment:
What is this?
Research shows that connecting with a health care provider annually and being up to date on age/gender appropriate screenings contributes to a happier, healthier life. To help support the well-being of MCPASD employees and their spouses, we offer a 3% rate differential on health insurance premiums if the HRA process is completed.
Last year, we began offering the rate differential when MCPASD employees, only, completed the process. To receive a rate differential for the 2026 health insurance plan year, spouses must complete the process. Our intention is to move forward with biannual HRAs for employees and spouses (alternating years).
The 3% rate differential is a difference of:
$20.44 per month for a single plan or $51.11 for a family plan on the HMO and Point of Service Health Plans
$245.28/$613.32 annual savings
$14.42 per month for a single plan or $36.04 for a family plan on the High Deductive Health Plan
$173.04/$432.48 annual savings
Notes: Figures are based on full time employment and based on 2025 health insurance rates. Base rates will change slightly for 2026.
What does this year’s process entail?
FOR THOSE WITHOUT A SPOUSE WHO COMPLETED THE HRA FOR 2025:
IMPORTANT: No action is needed for your 2025 Health Risk Assessment (HRA) I IMPORTANTE: No es necesario realizar ninguna acción para su Evaluación de Riesgos de Salud (HRA) You will be exempt from completing the process this year. Your 3% rate differential will be applied for the 2025 and 2026 health insurance plan years.
FOR THOSE WITHOUT A SPOUSE WHO DID NOT COMPLETE THE HRA FOR 2025:
Please choose one of the following options:
Option 1: Complete a Wellness Visit at our MCPASD Employee Wellness Clinic and complete any recommended screenings. *This is the recommended option because we know the level of care you receive at the district clinic is so great, it will positively impact your health and well-being.
Wellness visits must be completed between 11/15/24 and 11/15/25
No forms need to be submitted by the employee for this option
- OR -
Option 2: Complete an annual physical with their Primary Care Provider (PCP), complete any recommended screenings and submit a Preventative Wellness Physician Verification Form completed by their Primary Care Provider (PCP)
Physicals and screenings must be completed between 11/15/24 and 11/15/25
Member is responsible for submitting the form to wellness@mcpasd.k12.wi.us
Form needs to be submitted by November 15, 2025
As a reminder, preventive physical exams from your primary care team are covered once per year. When scheduling your physical, ensure that it’s scheduled more than one year since your last physical to avoid additional charges.
FOR THOSE WITH A SPOUSE:
Your spouse may choose one of the following options:
Option 1: Complete a Wellness Visit at our MCPASD Employee Wellness Clinic and complete any recommended screenings. *This is the recommended option because we know the level of care patients receive at the district clinic is so great, it will positively impact their health and well-being.
Wellness visits must be completed between 11/15/24 and 11/15/25
No forms need to be submitted by the employee for this option
- OR -
Option 2: Complete an annual physical with their Primary Care Provider (PCP), complete any recommended screenings and submit a Preventative Wellness Physician Verification Form (spouse) completed by their Primary Care Provider (PCP)
Physicals and screenings must be completed between 11/15/24 and 11/15/25
Member is responsible for submitting the form to wellness@mcpasd.k12.wi.us
Form needs to be submitted by November 15, 2025
As a reminder, preventive physical exams from your primary care team are covered once per year. When scheduling your physical, ensure that it’s scheduled more than one year since your last physical to avoid additional charges.
Key Information:
Deadline for completion is Friday, November 15, 2025.
You will receive a confirmation email when your 2025 HRA process is complete (note that MCPASD receives reports once a month, so your confirmation could take up to a month to receive).
If you choose to have a wellness exam at the MCPASD Employee Wellness Clinic, it DOES NOT count as your one covered, annual physical from your primary care team. Wellness Visits at the MCPASD Employee Wellness Clinic are coded differently than a PCP annual physical.
No medical information is shared with the district.
We strongly encourage scheduling appointments as soon as able to in order to ensure enough time to complete recommended screenings.
Annual Mandatory Notices
Annual Mandatory Notices
The following notices are mandated by the Employee Retirement Income Security Act of 1974 (ERISA), and are provided electronically for your access and convenience.
USI Benefit Resource Center
USI Benefit Resource Center
BRCMT@usi.com | Toll Free: 855-874-0742
Monday through Friday 8:00am to 5:00pm
USI: Benefit Resource Center can help with:
Deciding which plan is the best for you
Benefit plan & policy questions
Eligibility & claim problems with carriers
Information about claim appeals & process
Allowable family status election changes
Transition of care when changing carriers
Claim escalation, appeal & resolution
Dean Customer Care Center (For claims incurred 2025 or before)
Monday - Thursday: 7:30 am - 5:00 pm Friday: 8:00 am - 4:30 pm
Phone: 1-800-279-1301 OR Email
For 2026 claims going forward: 1-877-379-7605
The representatives at 800-279-1301 will not have access to the systems for the 1/1/2026 plan year and the representatives at 1-877-379-7605 will not have access to the systems for plan years prior to 1/1/2026
Page updated
Report abuse