Two Rivers district to switch to partially self-funded medical plan, expand network and change pharmacy program

Two Rivers Public School District staff and benefits vendors outlined a plan to move the district’s employee medical coverage to a partially self-funded model that takes effect July 1, with open enrollment running May 8 through May 20.

The change, presented May 8 at an employee meeting, replaces the district’s prior reimbursement approach with a new plan design that lowers single and family deductibles, qualifies employees for Health Savings Accounts (HSAs) and expands provider access, officials said. USI Consulting’s Rayan Bodri, vice president and practice leader for employee benefits in Wisconsin, said the partially self-funded structure gives the district more flexibility to manage costs and “repurpose some of those funds and do better things in our health plan in the future.”

Why it matters: The redesign alters employees’ potential out-of-pocket exposure and where they can receive care. Vendors emphasized three near-term, concrete effects: (1) the district will move to an HSA‑qualified plan, (2) the single deductible will be $3,600 and the embedded family deductible $7,200, and (3) the payroll-based provider network will widen so employees can access most major Northeast Wisconsin systems.

Plan design and money:…