What is Open Enrollment?

Open enrollment is when individuals and families can enroll in or change their health insurance plans for the upcoming year. It’s critical to review your options and select a plan that fits your health and financial needs. Outside of open enrollment, you can only enroll if you experience a qualifying life event, such as getting married, having a baby or losing your group coverage.

When is Open Enrollment?

Open enrollment for the 2025 health insurance year begins on November 1, 2024, and ends on January 15, 2025. If you want your coverage to start on January 1, 2025, you’ll need to enroll by December 15, 2024. Waiting until the last minute can lead to stress, so we encourage you to review your options early.

Why Open Enrollment Matters

Open enrollment gives you a once-a-year opportunity to enroll in or switch health plans to ensure you have coverage for the year ahead. It’s the perfect time to reassess your health insurance needs, especially if your circumstances have changed, such as a new job, marriage or the addition of a child. Choosing the right coverage ensures you’re ready for medical needs or unexpected health events.

How to Enroll in a Health Insurance Plan

Getting started with your enrollment is easy:

• Visit GHC-SCW’s website
• Compare plans based on your health needs, budget and provider preferences.
• Make sure to submit your application before the open enrollment deadline.

If you have any questions along the way, contact GHC-SCW’s Individual Sales Representative who is available to help guide you through the process at (608) 828-4831.

When You Can Enroll Outside of Open Enrollment

If you miss the open enrollment window, you may still qualify for a Special Enrollment Period (SEP) if you experience certain life events. Qualifying events include:

• Marriage
• Birth or adoption of a child
• Loss of group health coverage
• Significant changes in income

If you experience one of these events, contact your insurance provider to explore your options and ensure continuous coverage.

Choosing the Right Plan: Factors to Consider

Selecting the right health plan is essential. Keep the following factors in mind as you compare your options:

• Cost: Look at premiums, deductibles and co-pays to ensure they fit your budget. A good calculation is take the monthly premium, multiply it by 12; then add in the maximum out-of-pocket (MOOP). Keep in mind if there is more than one person on the plan, use the family MOOP.
• Coverage: Ensure your plan covers the necessary primary and specialty care services.
• Provider Network: Verify that your preferred doctors and specialists are included in the plan’s network.
  • If you live in Dane County, your primary care provider must be at a GHC-SCW-owned clinic.
• Additional Benefits: Check for coverage of behavioral health services and medications

How GHC-SCW Supports Members During Open Enrollment

GHC-SCW offers a range of health plans designed to meet the unique needs of individuals and families. Our dedicated individual sales representative is available to assist you in choosing the plan that best fits your lifestyle. Just call (608) 828-4831. Whether you need a plan with low out-of-pocket costs or access to world-class specialty care, GHC-SCW has you covered.

Take Action Today

Don’t wait—now is the time to explore your health plan options for 2025. Open Enrollment runs from November 1, 2024, through January 15, 2025. Review your options early to ensure you have health coverage for the coming year. Contact our GHC-SCW Individual Sales Representative to get the assistance you need. Your health and peace of mind are worth it!

Key Resources for Enrollment Help

Need help with your enrollment? Use these resources:

• GHC-SCW Member Services Team: Call (608) 828-4856
• GHC-SCW Individual Sales Representative: Call (608) 828-4831

Group Health Cooperative of South Central Wisconsin (GHC-SCW) is excited to announce that Chief Executive Officer Mark Huth has been selected as a recipient of Cooperative Network’s “Cooperative Builder Award.” In October, he was also chosen for the Power 100 Award from InBusiness.

Recipients of the Cooperative Builder Award are chosen because they have committed substantial time and energy to building and maintaining the history of cooperative heritage. A committee selects up to three successful individuals to receive this award based on nomination applications sent to the Cooperative Network. These applications include accomplishments and contributions from each nominee, along with letters of recommendation, other honors awarded and any published materials regarding their work.

The InBusiness Power 100 honors 100 influential leaders from various businesses, nonprofits and government departments who have made a significant impact on their industries in Madison and beyond. The honorees include a diverse group of powerful individuals from Greater Madison, such as mayors, financiers, educators, governors, builders and more. IB Magazine featured the Power 100 in a dedicated section of its October print issue that was revealed at an exclusive networking event for the honored individuals and other invited guests.

About Mark Huth, MD
Dr. Mark Huth has been the GHC-SCW President & Chief Executive Officer for Group Health Cooperative of South Central Wisconsin (GHC-SCW) since 2015. He was previously the Chief Medical Officer for GHC-SCW, where he was responsible for providing overall vision and direction for all aspects of quality, patient
safety and clinical performance improvement throughout the GHC-SCW healthcare delivery system. From 2009-2013, Dr. Huth served on the GHC-SCW Board of Directors, where he worked to provide clinician input on issues and participated in key discussions related to the corporate mission, strategy and goals. He is board-certified in Family Medicine. Before joining GHC-SCW, Dr. Huth worked within the University of Wisconsin-Madison Department of Family Medicine clinics. He also completed his residency training and served as Chief Resident at UW-Madison. Medicine is actually a second career for Dr. Huth. His first career was in music, where he was a professional pianist, organist and choral director. Dr. Huth also worked for many years as a product designer for a classical organ manufacturer. He continues to be involved in music as his schedule allows. Dr. Huth lives in Madison with his wife and family. He is an avid cyclist, water skier, tennis player and reader.

As a medical provider and leader at Group Health Cooperative of South Central Wisconsin, Dr. Huth has experienced first-hand how the power of the cooperative model can translate into a culture of excellence and service to its members. The cooperative model ensures that the needs of the patient are the main driver of innovation, quality and service. His dedication to our Cooperative model is a big reason why GHC-SCW has received ongoing recognition as one of the highest-quality health care organizations in the United States.

Dr. Mark Huth has made numerous outstanding contributions to the cooperative field during his tenure at GHC-SCW:

• Steady Leadership During COVID-19: Dr. Huth’s calm demeanor, transparent communication and strong leadership were instrumental in navigating the complexities of the COVID-19 pandemic. His ability to maintain resilience and clarity ensured continuous care and support for members and staff during unprecedented times.
• Expansion of Behavioral Health Services: Under his leadership, GHC-SCW has significantly expanded its behavioral health services, including the launch and growth of the GHC Foundations Intensive Outpatient Program and the Autism Spectrum Disorder Program. These initiatives have addressed critical needs in the community, providing essential support and resources.
• Introduction of Wisconsin’s First Money-Back Guarantee Health Plan: Dr. Huth spearheaded the introduction of the state’s first and only money-back guarantee health plan. This innovative approach reflects his commitment to member satisfaction and quality care, setting a new standard in the health care industry.
• Top Ratings for Quality and Patient Experience: During Dr. Huth’s tenure, GHC-SCW has received NCQA’s top rating for quality and patient experience. These accolades underscore his dedication to excellence and continuous improvement in health care delivery.
• Commitment to Cooperative Values: Dr. Huth exemplifies a deep commitment to cooperative values in his daily decision-making. He consistently prioritizes the well-being and interests of GHC-SCW members, ensuring their needs are central to strategic planning and transparent communications.
• Sustained Growth and Financial Health: His leadership has led to consistent growth and financial stability for GHC-SCW, ensuring the organization’s long-term viability and ability to serve its members effectively.

These contributions reflect Dr. Huth’s dedication to enhancing the cooperative model, improving health care delivery, and prioritizing the needs of members. His innovative and member-focused approach has significantly advanced the cooperative field, setting a high standard for others to follow.

Group Health Cooperative of South Central Wisconsin (GHC-SCW) is excited to announce that Edgerton Hospital’s clinics, urgent care and hospital will be available as in-network health care options through the Partners HMO, Partners Plus POS and Neighbors HMO Product lines. GHC-SCW partners with local health systems, like Edgerton Hospital and Clinics, to expand access to high-quality preventive health care Providers and Specialists in regions outside of Dane County. The partnership between the two organizations took effect on November 1, 2024.

GHC-SCW plan members can now access care in Rock County from Edgerton Hospital’s five locations: Edgerton Hospital and Health Services, Edgerton Hospital Quick Care, Fulton Square Clinic, Milton Clinic and Whitewater Clinic. Members can choose a Primary Care Provider (PCP) from any of the three Edgerton Hospital Clinics.

“It’s essential to continue assessing partnerships that help members get the health care services they need,” said Marty Anderson, GHC-SCW Chief Strategy and Business Development Officer. “Edgerton Hospital’s dedication to exceptional quality, innovative health services and wellness made it a natural fit for us.”

Insurance plans and benefits vary; GHC-SCW members are encouraged to call GHC-SCW Member Services at (608) 828-4853 to ensure their choice of Primary Care Provider is in network.

In today’s fast-paced world, reflecting on what we’re grateful for can be a powerful act. More than just a positive habit, gratitude is increasingly recognized as a key component of mental and physical wellness. Practicing gratitude can improve our outlook and enhance our overall health.

The Science Behind Gratitude and Mental Health

Gratitude goes beyond “feeling good.” Studies have shown that it impacts brain chemistry by increasing levels of dopamine and serotonin—two “feel-good” neurotransmitters that can boost our mood. Research has shown that people who regularly express gratitude experience lower levels of stress and anxiety and report a greater sense of self-esteem and resilience. Simply put, gratitude rewires our brains to see more of the positive.

Positive Effects of Daily Gratitude on Wellness

The benefits of a daily gratitude practice are profound. Here’s how it impacts different aspects of well-being:

• Improved Mood: Consistently recognizing what we’re thankful for can help foster a sense of happiness, lifting our spirits and making us more optimistic. A 2022 study found that gratitude helped improve the mental health of women at risk for depression.
• Better Sleep Quality: Gratitude has been linked to improved sleep by helping calm the mind before bed. This can lead to more restful, high-quality sleep.
• Strengthened Relationships: Expressing appreciation toward others enhances empathy and builds stronger, more meaningful connections.
• Reduced Stress Levels: By focusing on positive emotions, gratitude can help ease stress and reduce the impact of negative emotions on our minds and bodies.

Practical Ways to Practice Gratitude Daily

Cultivating gratitude doesn’t have to be complex; here are some simple techniques to try:

• Gratitude Journals: Take a few moments each day to jot down three things you’re grateful for. This small act helps you reflect on the positive aspects of your day.
• Mindful Gratitude Moments: Take a few seconds each day to pause and appreciate a small, joyful moment—a warm coffee, a smile from a friend, or a beautiful sunset.
• Gratitude Letters or Messages: Write a short thank-you note to someone who has positively impacted your life. It can strengthen your relationships and spread positivity.
• Mindful Breathing with Gratitude: Try a simple breathing exercise where each breath in focuses on something positive in your life.

Simple Gratitude Challenge for You

Are you ready to experience the benefits of gratitude yourself? Here’s a 7-day challenge to get started:

Day 1: Write down three things you’re grateful for.

Day 2: Thank someone you appreciate with a kind message.

Day 3: Reflect on a challenge you’re thankful for and how it helped you grow.

Day 4: Take a moment to enjoy nature and appreciate its beauty.

Day 5: Write down a favorite memory and savor the details.

Day 6: Find a quiet moment to do a mindful gratitude meditation.

Day 7: Share your gratitude experience with a friend or loved one.

Embracing Gratitude as a Path to Wellness

Gratitude is a simple yet powerful practice that can bring about profound changes in our lives. By incorporating gratitude into your daily routine, you can improve your mental and physical well-being and develop a healthier, more positive outlook on life. Take the time to reflect on the good, and watch as it transforms your life.