Open enrollment (SEBB)
Review information to help you make benefits decisions for 2025. Open enrollment is October 28 through November 27, 2024.
Enrollments, changes, and premiums are effective January 1, 2025.
Important changes to benefits and plans
There are many important changes for 2025. See everything that is changing.
Resources
- UMP Plus–Puget Sound High Value Network service area changes
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UMP Plus–PSHVN will leave Chelan and Douglas counties.
Members in these counties must choose a new plan. If they do not, they will be enrolled in UMP Achieve 1.
Confluence Health will no longer be part of UMP Plus–PSHVN.
- Premera High PPO and Standard PPO service area changes
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- Premera High PPO is leaving Clallam and Mason counties.
- Premera Standard PPO is leaving Clallam, Jefferson, and Mason counties.
Members who live in these counties and do not work in the plan's service area must choose a new plan. If they do not, they will be enrolled in UMP Achieve 1.
- Flexible spending arrangements contribution increase
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The annual maximum contribution for FSAs increased to $3,200.
The carryover amount is up to $640.
Learn more about FSAs.
Note: The FSA was previously known as the Medical FSA.
- Deductible for high deductible health plans
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The IRS raised the minimum deductible for consumer-directed health plans to $1,650 for single subscribers and $3,300 for families.
This affects UMP High Deductible.
- Health savings account annual maximum contribution increase
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The IRS raised the health savings account annual maximum contribution to $4,300 for single subscribers and $8,550 for families.
How much will it cost?
Find monthly premiums for:
- Employees
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You will pay a premium for medical coverage, and if you choose to keep your employee-paid LTD insurance, you will pay that premium. There are no employee premiums for dental and vision coverage, basic life, basic AD&D, and employer-paid LTD insurance. These benefits are paid for by your employer. You may also buy supplemental life and supplemental AD&D insurance for yourself and your dependents.
- Continuation coverage subscribers
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What do I need to do?
- If your plan will no longer be available in 2025, you need to choose a new plan.
- You may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond.
- If you have a DCAP or FSA, you need to enroll in these benefits for 2025. Learn more about FSAs and DCAP.
- What changes can I make?
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Open enrollment is your chance to:
- Change your medical, dental, or vision plans.
- Add or remove a dependent from your coverage. If you enroll a dependent, you must provide proof of your dependent's eligibility with your enrollment form before we can enroll them. Check the list of acceptable documents.
- Reattest to the spouse or state-registered domestic partner coverage premium surcharge.
- Enroll in an FSA, Limited Purpose FSA, and the DCAP through Navia Benefit Solutions. You must enroll again in these benefits every year you want to participate.
- Waive your enrollment (employees only) in medical coverage, if you have other employer-based group medical coverage, a TRICARE plan, or Original Medicare (Parts A and B only).
- You cannot waive employee coverage for PEBB retiree insurance coverage, which includes Premera Medicare Supplement Plan F or G, UnitedHealthcare PEBB Balance and PEBB Complete, Kaiser Permanente NW Senior Advantage with Part D, Kaiser Permanente WA Medicare Advantage with Part D, or UMP Classic Medicare with Part D (PDP).
- Enroll in medical coverage, if you previously waived SEBB medical for other employer-based group medical, a TRICARE plan, or Original Medicare (Parts A and B only). (employees only)
- How do I make changes?
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Use Benefits 24/7 or a form. Find your form: Employees or SEBB Continuation Coverage. Make your changes using Benefits 24/7 by midnight on November 25, 2024.
If you use a form:
- Employees: Your payroll or benefits office must receive your forms by November 27.
- Continuation coverage subscribers: The SEBB Program must receive your forms by November 27.
- How to return your form
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If you use a form, return it as instructed below.
Employees
Return your form to your payroll or benefits office. They must receive it by November 27.
SEBB Continuation Coverage subscribers
Return your form to the SEBB Program one of the following ways:
- Secure message using HCA Support. After signing in, select the Retiree/Continuation coverage option.
- Mail it to the SEBB Program
Washington State Health Care Authority
PO Box 42720
Olympia, WA 98504-2720
- Fax it to 360-725-0771
- Bring it to the HCA Olympia office.
626 8th Avenue SE
Olympia, WA 98501
- Do I need to attest to the premium surcharges?
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If you cover your spouse or state-registered domestic partner, you may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond. Learn more about the premium surcharges.
Medical, dental, and vision plan information
You are not required to stay in the same plan every year. You can change plans during open enrollment.
- How do I compare medical plan benefits?
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Compare up to three medical plans side-by-side with the Online Medical Benefits Comparison Tool or Medical Benefits At-a-Glance Comparison (printable).
- What medical plans are available to me?
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Employees
In most cases, you must live or work in the medical plan's service area to join the plan. All subscribers will be offered a selection of plans based on their county of residence or the county where their employment location is based. If you work in a district that crosses county lines, identify all counties your school district is in to see all the plan options available to you. Exception: To enroll in a UMP Plus plan, you must live in the service area.
Be sure to contact the medical plans you're interested in to ask about provider availability in your county.
View school employee medical plans by county.
SEBB Continuation Coverage subscribers
In most cases, you must live in a medical plan's service area to join the plan. See SEBB Continuation Coverage medical plans available by county. If you move out of your plan's service area and your plan is no longer available, you must change your plan. If you do not, the SEBB Program will enroll you in one. Be sure to contact the medical plans you're interested in to ask about provider availability in your county.
- Summary of Benefits and Coverage (SBC)
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Summaries of Benefits and Coverage are required under the federal Affordable Care Act to help members understand plan benefits and medical terms. View the SBCs for:
- How do I compare dental plan benefits?
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The SEBB Program offers three dental plans:
- DeltaCare
- Willamette Dental
- Uniform Dental Plan
Use the Dental Benefits At-a-Glance Comparison (printable) to view them side-by-side or visit Compare dental plans.
There are some differences between them that are important to keep in mind.
- There are two managed-care plans: DeltaCare (administered by Delta Dental of Washington) and Willamette Dental. These plans require you choose a primary care dentist from within their network. You need referrals from the primary care dentist to see a specialist.
- There is one preferred-provider plan (PPO), Uniform Dental Plan (administered by Delta Dental of Washington). You can see any provider without a referral. You can see providers outside of the network but will pay more out of pocket.
- How do I compare vision plan benefits?
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The SEBB Program offers three vision plans:
- Davis Vision by MetLife
- EyeMed Vision
- MetLife Vision
Use the Vision Benefits At-a-Glance Comparison (printable) to view them side-by-side or visit Vision plans and benefits.
- Find providers
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Use the plans' provider directories to check if your current providers are in the plans' networks. You can also call the plan's customer service to ask about a provider's network status.
More to explore
Learn more about your benefits using the resources below.
- Intercom newsletter
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The October Intercom newsletter is your source for information about open enrollment. Read the edition for your member type.
- Webinars
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Our medical plan carriers are hosting webinars. Check out the schedules.
- Virtual benefits fairs
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Visit and explore to learn more about all the benefits available.
