Health Insurance

The DeForest Area School District offers employees Group Health Cooperative (GHC) Health Insurance.  Employees can choose between GHC Primary Care Preferred $0 Deductible/$1,000 MOOP HMO Plan or the Point-of-Service (POS) Plan. Employees who reside outside of Dane County can also choose the Preferred Provider Option (PPO). 

The HMO provides coverage for all in-network providers, out-of-network coverage only with prior authorization, and emergency or urgent care services anywhere. POS provides coverage for in-network providers, plus provides coverage when the member chooses to seek health services from out-of-network providers.  With the POS, out of network services are paid at different benefit coverage levels. The information below is a brief overview of the coverage provided.  For a complete description of your benefits, and the restrictions, exclusions, and limitations that apply read the Member Certificate of Coverage. Employees regularly scheduled to work at least 30 hours per week are eligible to participate in one of the District health insurance plans.

Questions? Visit ghcscw.com / Call GHC Member Services at 608.828.4853 or 800.605.4327.

*Note: When you elect to utilize services from a non-network provider in the POS Plan, you may pay more than the coinsurance and deductible if the provider charges an amount over what is usual and customary.  Non-network providers may bill enrollees for any amount up to the billed charge after the health insurer has paid its portion of the bill.