SEBB Employee Insurance Benefits
School District health insurance and other benefits for school district employees are managed by the Washington State Health Care Authority through the School Employees Benefits Board (SEBB) Program.
SEBB HEALTHCARE AUTHORITY WEBSITE
Open Enrollment runs from Oct. 30 to Nov. 20, 2023. Complete your enrollment at https://myaccount.hca.wa.gov/auth
Medical Enrollment Information
Medical coverage is optional; however, if employees do not wish to enroll in a medical plan, they must log into their account to waive the coverage. Failure to select a plan or waive the coverage will result in them being defaulted into the UMP Achieve 1 medical plan and charged a monthly premium as well as a $25.00 monthly smoking surcharge.
Dental Enrollment Information
Dental coverage is mandatory. There are three plans to choose from, and there is not a monthly premium for the coverage or for covering dependents.
Vision Enrollment Information
Medical, Dental and Vision
Flexible Spending Account (FSA) and Dependent Care Assistance (DCAP)
High Deductible Health Plans with Health Savings Accounts
UMP High Deductible is the SEBB Program’s high-deductible health plan (HDHP) with a health savings account (HSA). HDHPs typically offer lower monthly premiums, a higher annual deductible, and a higher annual out-of-pocket limit than most medical plans.
An HSA is a tax-exempt account that anyone can deposit funds on your behalf. You can use your HSA to pay for IRS-qualified out-of-pocket expenses (like deductibles, copays, and coinsurance), including some expenses and services that your health plan may not cover.
Generally, HDHPs work well for people who:
- Can meet the eligibility requirements
- Prefer a lower monthly premium
- Want to save on taxes by contributing to an HSA through pre-tax payroll deductions
- Are willing to check which services and supplies are qualified expenses
- Can keep track of HSA expenses in case of an IRS audit
HDHPs can encourage you to make informed decisions about your health care and spend HSA funds wisely. Those who choose to enroll in UMP High Deductible should prepare to invest time and energy in seeking qualified HSA expenses from network providers.
You must meet certain eligibility requirements to enroll in UMP High Deductible. If you are not eligible for the HSA and enroll, you may be liable for tax penalties.
To be eligible to enroll in UMP High Deductible, you cannot be enrolled in:
- Medicare Part A or Part B
- Medicaid (called Apple Health in Washington State)
- Another comprehensive medical plan
- VEBA, unless you convert it to limited-purpose HRA coverage
Medical flexible spending arrangement (FSA) or Health Reimbursement Arrangement (HRA) Note: You may enroll in a Limited Purpose FSA
When you enroll in UMP High Deductible, your district will contribute $375 per year ($31.25 per month) to your HSA for enrollment as a single subscriber or $750 per year ($62.50 per month) for enrollment for you and at least one other family member.
You can choose to contribute to your HSA as well. The maximum HSA contribution from all sources for a single subscriber for 2024 is $4,150 and $8,300 for a family. Employees age 55 and up can contribute up to $1,000 more per year.
Learn more on the SEBB Program’s Health Savings Accounts (HSAs) webpage.
Preferred Prescription Drug List Formularies