• 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. 

    HCA

    Log in to Benefits 24/7

    How to use Benefits 24/7 / SEBB (wa/gov)

    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.

    Eligibility

     

    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

    Vision coverage is mandatory. There are three plans to choose from, and there is not a monthly premium for the coverage or for covering dependents.

     

    Medical, Dental and Vision

    If no changes are made, plan coverages will automatically roll over to the next year. The exception is Flexible Spending and Dependent Care Assistance. Re-enrollment is required every year during Open Enrollment.

    Dependent Verification

    This is extremely important. Part of the enrollment process is to verify dependents added to your plans. Employees have until the close of Open Enrollment to upload the appropriate dependent verifications in their SEBB my account. This applies to all dependents being added to insurance plans. If the enrollment/verification deadline is missed, dependents will be removed from coverage.

    To verify your current health care providers are covered on your medical, dental and/or vision plans, check the provider links on the SEBB website. Do not contact your provider's office. There are incidents where employees were told the plan they were looking at covered their provider when it did not. Check also for pharmacies and hospitals in the networks as not all are covered by every plan.

    Flexible Spending Account (FSA) and Dependent Care Assistance (DCAP)

    To continue participation in FSA and DCAP, employees must re-enroll during open enrollment through Navia. These enrollments do not automatically roll over.

    SEBB NAVIA FLEXIBLE SPENDING

    ENROLL IN FSA and/or 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.

    Eligibility

    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
    • TRICARE

    Medical flexible spending arrangement (FSA) or Health Reimbursement Arrangement (HRA) Note: You may enroll in a Limited Purpose FSA

    Contributions

    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.

    HSA Guidebook

    Complete your HSA Form 

    Additional Benefits

    Preferred Prescription Drug List Formularies

    For assistance with your account or enrollment, contact one of your district Benefits Administrators at (509) 782-3355 Do not call SEBB/Healthcare Authority – they will direct you back to the school district.