You can learn more about your health plans, 2025 premiums, and other insurance options during the SEBB Program’s annual open enrollment (October 28 through November 25) in person and online.

In-person benefits fairs

During annual open enrollment, there will be in-person benefits fairs at different locations throughout the state. This is a chance to speak directly with plan representatives and ask questions about the benefits.

Find the benefits fair nearest you on the Benefits fairs webpage. Before going to an in-person benefits fair, check the webpage for any last-minute changes to the event times, locations and safety requirements. If you have COVID-19 symptoms or a positive COVID test within the past 5 days, please keep others safe by staying home and visiting the virtual benefits fair instead.

Virtual benefits fair

This online option is a great way to learn about your benefits anytime, anywhere. All you need is a computer, tablet, or smartphone to access the virtual benefits fair. You’ll find links to videos, plan comparisons, and webinars to help choose the right benefits for you and your family.

Webinars

Register and attend live and recorded webinars hosted by our medical plan carriers on the SEBB open enrollment webinars webpage.

Open enrollment webpage

The SEBB open enrollment webpage allows you to compare plan benefits and costs, find out what’s changing for 2025, and access Benefits 24/7 (University of Washington and Washington State University employees must use Workday) to make plan changes, add or remove dependents, and attest to the spouse or state-registered domestic partner coverage premium surcharge, if required.

Intercom newsletter

The October newsletter includes information about benefit changes for 2025, changes you can make during annual open enrollment, how to make changes, and more.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.

All changes are effective January 1, 2025, unless otherwise noted. You can also view these changes on the SEBB Program open enrollment webpage and in the October Intercom newsletter.

• Medical plan service area changes: Members in these counties must choose a new plan or they will be automatically enrolled in UMP Achieve 1.
  • Premera High PPO:Will no longer be available in Clallam and Mason counties.
  • Premera Standard PPO:Will no longer be available in Clallam, Jefferson, and Mason counties.
  • UMP Plus–Puget Sound Health Value Network (PSHVN): will no longer be available in Chelan or Douglas County. Confluence Health will no longer be part of UMP Plus–PSHVN.
• Vision hardware benefit: Will increase up to $200 per year (from $150) for prescription eyeglasses or contact lenses and will reset on odd years (2025, 2027, etc.).
• Deductible for UMP High Deductible:The IRS raised the minimum deductible for high-deductible health plans to $1,650 for single subscribers and $3,300 for families.
• Diagnostic and supplemental breast exam coverage:Diagnostic and supplemental breast exams will be covered without cost to members. UMP High Deductible members need to meet their deductible before the plan will pay.
• Health savings account (HSA) maximum: The annual maximum contribution to the Health Savings Account (HSA) will increase to $4,300 for a single subscriber and $8,550 for a subscriber with at least one enrolled dependent.
• Deductible for High-Deductible Health Plan: The IRS raised the minimum deductible for high-deductible health plans to $1,650 for a single subscriber and $3,300 for a subscriber with at least one enrolled dependent.
• Flexible spending arrangement (FSA): The annual maximum contribution for the FSA and Limited Purpose FSA will increase to $3,200.
• Behavioral Health Resources: The 2025 Medical Benefits At-a-Glance includes a section to compare behavioral health benefits by plan. You can also visit the Behavioral health services by plan webpage.
• Reduction in cost for inhalers and epinephrine injectors: Out-of-pocket costs will be capped at $35 for a 30-day supply of inhaled corticosteroids combination products and epinephrine autoinjectors.
• Increasing access to Human Immunodeficiency Virus (HIV) Post-Exposure Prophylaxis (PEP): Plans will be prohibited from cost-sharing or prior authorization requirements for at least one full PEP regimen.

Dental plan reminder

The SEBB program offers two dental plans administered by Delta Dental that are often confused. Sometimes people intend to enroll in the Uniform Dental Plan (UDP) but accidentally enroll in DeltaCare, or vice versa. During annual open enrollment, be careful to choose the dental plan you want.

• DeltaCare (Group 9601) is a managed-care plan with a narrow network. You must choose a primary care dentist within the network, or you will be assigned a primary care dentist. Your primary care dentist must give you a referral to see a specialist. The plan will not pay claims if you see a provider outside of the network.
• Uniform Dental Plan (Group 9600) is a preferred provider plan. You may choose and change to any dental provider at any time, but you will typically have a lower out-of-pocket cost if you see in-network providers.

Compare your dental plan options on the SEBB Program’s Dental plans and benefits webpage. Before you enroll in a dental plan, check with the plan (DeltaCare or UDP, not the provider) to see if your provider is in the plan’s network and confirm the group number. You can call the dental plan’s customer service or use the plan’s online directory.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.

Log in to Benefits 24/7 from October 28 to November 25, 2024 to make changes to your coverage. Your changes must be made in Benefits 24/7 by midnight on November 25. Paper forms are available on the HCA website or from your payroll or benefits office. Your payroll or benefits office must receive your forms by November 25.

Making changes during annual open enrollment

• Click on the ‘Open Enrollment’ chevron and follow the prompts.
• If adding dependents, choose ‘Yes’. If removing dependents, choose ‘No’. If changing enrollment for an existing dependent, click the Edit link next to the dependents name.
• If making changes to medical, dental, and vision plans, choose the plans.
• Go to the end of the wizard. Print a copy of your elections. Verify your plan elections and that all dependents are enrolled as expected.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.

FSAs allow you to set aside pretax money from your paycheck to pay for out-of- pocket health care costs. DCAP allows you to also set aside pretax money from your paycheck to pay for qualifying childcare or elder care expenses. If you are participating in the FSA (formerly known as Medical FSA), Limited Purpose FSA, or DCAP for 2025, you must enroll during annual open enrollment even if you are not changing your contribution amount.

Don’t wait until the last minute! The SEBB OE deadline is closer than you think. Navia Benefit Solutions must receive your enrollment no later than November 25, 2024.

The minimum contribution amount for the FSA and Limited Purpose FSA in 2025 is $120 and the maximum is $3,200. The maximum annual amount for DCAP in 2024 is $5,000 per household ($2,500 each if you and your spouse file separate tax returns).

How to enroll

You may enroll one of two ways:

• Log in and enroll on the Navia Benefit Solutions website
• Complete Navia’s 2025 Annual Open Enrollment form, available on Navia’s Forms & Documents webpage, and submit it as instructed on the form.

Navia Benefits Solutions must receive your enrollment no later than November 25, 2024.

FSAs and high-deductible health plans don’t mix

If you enroll in both an FSA and UMP High Deductible, you will be automatically disenrolled from the FSA. You or your spouse or state-registered domestic partner cannot have both an FSA and a high-deductible plan with a health savings account (HSA) in the same year.

If you have UMP High Deductible with an HSA, you can enroll in a Limited Purpose FSA for eligible dental and vision expenses

FSA funds may carry over

If you are enrolled in an FSA for 2024, unused funds up to $640 may carry over and be used for 2025. IRS rules require that any amount over $640 will be forfeited to the plan administrator, the Health Care Authority. The minimum carryover is $120. Any amount under $120 will be forfeited unless you enroll in an FSA for 2025.

Deadlines for claims

All 2024 FSA expenses must be incurred by December 31, 2024. You must submit all 2024 claims to Navia Benefit Solutions for reimbursement by March 31, 2025.

DCAP enrollees have until December 31, 2024 to incur expenses. You must submit all 2024 claims to Navia Benefit Solutions for reimbursement by March 31, 2025.

For more information

Find out more on the SEBB Program’s Flexible Spending Arrangement and Dependent Care Assistance Program webpages or contact Navia at 1-800-669-3539 from 5:00am to 5:00pm PST, Monday through Friday.

Note: If you are not covering a spouse or state-registered domestic partner (SDRP) under your SEBB medical coverage for 2025, the information below does not apply.

In October, the SEBB Program mailed letters to employees who are required to attest to the spouse or SDRP coverage premium surcharge for 2025 during annual open enrollment (October 28 through November 24, 2024).

You can confirm if you need to attest by logging in to Benefits 24/7.

If you cover a spouse or SRDP on your medical plan in 2025, you may be required to attest if:

• You currently pay the $50 monthly spouse or SRDP coverage premium surcharge, or
• Your spouse or SRDP is enrolled under your SEBB coverage instead of their employer-based group medical, but you did not have to pay the surcharge in 2024 because either:
  • Your spouse or SDRP’s coverage was not comparable to the PEBB UMP Classic medical plan, or
  • The medical premium for your spouse’s or SDRP’s employer-based group medical coverage was $126.36 or more in 2024.

How to attest

If you are required to attest:

1. Log in to Benefits 24/7.
2. Click on the blue ‘Open Enrollment’ chevron on your dashboard.
3. If you are not adding additional dependents, choose ‘No’. The dependent list will display.
4. Choose the ‘Edit’ link on the right side of the section listing your spouse.
5. Move through the steps for the dependent until you reach the ‘Spouse or State Registered Domestic Partner surcharge attestation’.
6. Respond to the questions. If you answer ‘Yes’ to question number ‘6’ there is a link to the Spousal Plan Calculator to compare your spouse or SRDP’s plan to PEBB’s UMP Classic. Note: You may need to gather information about their available medical plans.
7. Once the attestation is complete, continue through the wizard making any changes. Be sure to go all the way through the wizard and click ‘Submit’.
8. Print a copy of your elections for your records.

Or use the 2025 SEBB Premium Surcharge Attestation Change form.

You must attest by November 25, 2024. If you do not attest or you attest that the premium surcharge applies, you will be charged the $50 monthly premium surcharge beginning January 1, 2025. The surcharge will remain in effect for the rest of 2025 unless you have a qualifying event that allows you to change the attestation.

Learn more about the surcharge on the SEBB Program’s Spousal coverage surcharge webpage.

If you are considering changing your medical, dental, and vision plan for 2025, it is important to review your current plan and benefit changes to make sure it still meets your needs. Here are some things to think about as you evaluate which plans are right for you.

Plan availability

Medical plans

1. Check the Plans availability by county to make sure the plan serves the area where you live.
2. Compare the benefits and costs. Use the:

• Online Medical benefits comparison tool
• The 2025 Medical benefits at-a-glance to see what’s covered and out-of-pocket costs of services, including deductibles, coinsurance, and copays.
• The plans’ benefit booklets and the summaries of benefits and coverage.

3. If you prefer to see a specific health care provider, make sure they are in the plan’s network. Some plans have smaller networks and services may cost more if your provider is not in-network.

Dental plans

The SEBB Program offers three dental plans. Two managed care plans, Delta Care and Willamette, and one preferred-provider plan, Uniform Dental Plan.

DeltaCare and Uniform Dental plan are both administered by Delta Dental and are often confused; be careful when you select a dental plan.

1. Compare your dental plan options online using the Compare dental plans page on the PEBB Program website.
2. Check the dental plan’s provider search or call the plan to verify your provider is in the plan’s network.

Vision plans

Use the following resources to compare vision plans:

1. Compare the vision plans using the Compare vision plans page or the SEBB Vision Benefits At-a-Glance.
2. Visit the vendor booths at the virtual benefits fair or at one of the in-person benefits fairs.

How to make elections

1. Log into Benefits 24/7. The system requires a SAW account. If you already have one associated with your personal email address, you may use that SAW account or you will be prompted to create a SAW account.
2. Click on the blue ‘Open Enrollment’ chevron and walk through the wizard.
3. Go to the end of the wizard and print a copy of your elections for your record.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.

The SEBB Program’s open enrollment (October 28 through November 25) is a good time to check your beneficiary information for your SEBB life insurance and health savings account (HSA) if you have one. Not only is it important to make sure you have the right person (or people) listed, but that all contact information is up to date.

It is also a good idea to check your beneficiaries for any other insurance or financial accounts (such as retirement savings) if you have them.

To check current beneficiaries and make changes:

Life insurance – Log into MetLife’s My Benefits portal. On your profile page, click Group Life Insurance, then click the Beneficiaries tab. You can also call MetLife at 1-833-854-9624 to request a Group Term Life Insurance Beneficiary Designation form.

Health savings account (HSA) – If you have an HSA, you can complete the Beneficiary Designation form or log into your HealthEquity account and select ‘Beneficiaries’ under the ‘My Account’ tab.

The 2025 SEBB annual open enrollment ends Monday, November 25, 2024.

How to make changes

To change your health plan, waive medical coverage or return from waive, remove a dependent, or attest to the spouse or state-registered domestic partner (SRDP) coverage premium surcharge, log in to Benefits 24/7 and update your account before 11:59 p.m. on Monday, November 25, 2024.

Or complete the 2025 School Employee Change form available on PEBB’s Forms and publications webpage. Submit the form to your payroll or benefits office no later than Monday, November 25, 2024.

You may complete the 2025 Premium Surcharge Attestation form if you are required to attest to the spouse and SRDP coverage premium surcharge and prefer not to attest in Benefits 24/7.

Forms and any required dependent verification documents must be received by your payroll or benefits office no later than Monday, November 25, 2024.

Dual enrollment reminder

You cannot enroll in health plans under both the SEBB Program and the Public Employees Benefit Board (PEBB) Program as an employee or a dependent. You may waive your SEBB medical, dental and vision only if you enroll in PEBB medical, dental, and vision.

FSA and DCAP reminder

To enroll in the Flexible Spending Arrangement (FSA), Limited Purpose FSA, or the Dependent Care Assistance Program (DCAP):

You may enroll one of two ways:

• Log in and enroll on the Navia Benefit Solutions website.
• Complete Navia’s 2025 Annual Open Enrollment form, available on Navia’s Forms & Documents webpage, and submit it as instructed on the form.

Navia Benefit Solutions must receive your enrollment no later than November 25, 2024.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.

Time is running out…have you made your changes?

Changes must be received by November 25, 2024

• Make medical plan changes – UMP Plus–Puget Sound High Value Network (PSHVN) will no longer be available in Chelan and Douglas counties. Members in Chelan and Douglas counties must choose a new plan. Confluence Health will no longer be a part of UMP Plus–PSHVN.
• Make changes online – Log in to Benefits 24/7 to make changes to your plans and attest to the spouse or state-registered domestic partner coverage premium surcharge, if required.
• Enroll or reenroll in an FSA, Limited purpose FSA, or DCAP – Log in and enroll on the Navia Benefit Solutions website or complete Navia’s 2025 Annual Open Enrollment form, available on Navia’s Forms & Documents webpage, and submit it as instructed on the form.
• Elections and changes must be submitted no later than November 25, 2024.
• If you chose not to make any changes and are not required to attest to surcharges or change plans due UMP Plus–PSHVN leaving Chelan and Douglas counties, no action is necessary.

Questions

For questions about

• Your enrollment or SEBB account: Contact your payroll or benefits office.
• Benefits: Contact the plans.
• Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for employee login issues only. Contact your payroll or benefits office for non-login related issues.