The Southern Illinois Health & Wellness Insurance Trust in coordination with USI Insurance, is committed to providing protection, security and peace of mind by developing and managing high quality, cost effective insurance plans and risk management services. The Trust's financial stability provides each participating school district and cooperative with a strong foundation for the future.
Upon entry into SIHWIT, each school district is rated separately based upon their own experience and demographic date. Each district's rate structure and claim experience is transparent to the other school districts. Monthly claims and financial reports are provided to each Trustee. At renewal, all districts are provided with a uniform increase (subject to the Trust's deviation formula) that is applied to each of the district's separate rate structures.
The purpose of the SIHWIT Wellness Program is to improve the health conditions of the covered employees and dependants. This health improvement will drive lower costs for the members districts.
Upon entry into SIHWIT, each school district is rated separately based upon their own experience and demographic date. Each district's rate structure and claim experience is transparent to the other school districts. Monthly claims and financial reports are provided to each Trustee. At renewal, all districts are provided with a uniform increase (subject to the Trust's deviation formula) that is applied to each of the district's separate rate structures.
The purpose of the SIHWIT Wellness Program is to improve the health conditions of the covered employees and dependants. This health improvement will drive lower costs for the members districts.
Services
The Southern Illinois Health & Wellness Insurance Trust ("SIHWIT") was established in 2005 and currently provides health benefits to three Illinois school districts and two cooperatives.
Each school district and cooperative appoints administrative and teacher representatives to serve as Trustees.
The Trustees have a strong history of working collaboratively to protect the best interests of the beneficiaries of the Trust.
The Trustees retain professionals, including an actuary, auditor, insurance consultant and legal counsel, to safeguard the integrity of the Trust.
Each school district and cooperative appoints administrative and teacher representatives to serve as Trustees.
The Trustees have a strong history of working collaboratively to protect the best interests of the beneficiaries of the Trust.
The Trustees retain professionals, including an actuary, auditor, insurance consultant and legal counsel, to safeguard the integrity of the Trust.
Note: The Family Deductible Maximum includes covered expenses which are used to satisfy Deductibles for all family members combined.
Network Providers, and Non-Network Providers expenses will be applied equally toward the satisfaction of the Network Providers, and Non-Network Providers Deductible amounts.
Note: The Family Out-of-Pocket Maximum includes Out-of-Pocket expenses for all family members combined.
Network Providers and Non-Network Providers expenses will be applied equally toward the satisfaction of the Network Providers, and Non-Network Providers Out-of-Pocket Maximums.
Network Providers, and Non-Network Providers expenses will be applied equally toward the satisfaction of the Network Providers, and Non-Network Providers Deductible amounts.
Note: The Family Out-of-Pocket Maximum includes Out-of-Pocket expenses for all family members combined.
Network Providers and Non-Network Providers expenses will be applied equally toward the satisfaction of the Network Providers, and Non-Network Providers Out-of-Pocket Maximums.
Delta Dental of Illinois is a not-for-profit dental service plan corporation.
Our goal is to improve oral health by making dental care more affordable.
Good oral health is essential to maintaining good general health and your dental benefits plan is designed to promote regular dental visits.
Delta Dental is a member of Delta Dental Plans Association, the largest and most experienced dental benefits carrier system in the country.
Your group's dental plan includes enhanced benefits that take advantage of the emerging science of evidence-based dentistry.
Our goal is to improve oral health by making dental care more affordable.
Good oral health is essential to maintaining good general health and your dental benefits plan is designed to promote regular dental visits.
Delta Dental is a member of Delta Dental Plans Association, the largest and most experienced dental benefits carrier system in the country.
Your group's dental plan includes enhanced benefits that take advantage of the emerging science of evidence-based dentistry.
Life insurance pays your beneficiary a benefit if your die while you are covered.
This highlight sheet is an overview of your basic life and AD&D insurance.
Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
As an eligible employee you may be automatically covered by basic life and AD&D insurance.
If you have not already done so, you must designate a beneficiary as described below.
Check with your district office for details on the coverage.
This highlight sheet is an overview of your basic life and AD&D insurance.
Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
As an eligible employee you may be automatically covered by basic life and AD&D insurance.
If you have not already done so, you must designate a beneficiary as described below.
Check with your district office for details on the coverage.
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