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Step 1: Get More Information
 
Step 2: Estimate Your Expenses
Step 3: Make Your Election

Election Form is due to HR by 12/1/14!

Step 4: Enroll in a Health Savings Account (OPTIONAL if eligible)
  • In early-December U.S. Bank will email you HSA enrollment instructions directly if you elect the QHDHP.
 
 
2015 Whatcom County
Self-Insured Medical Plan Information


THE 2015 MEDICAL PLAN ELECTION FORM IS DUE IN
HUMAN RESOURCES BY 4:30 P.M. MONDAY, DECEMBER 1, 2014

Attend an informational session on Friday, November 14, 2014
in the Council Chambers at the County Courthouse
11:00 a.m. - 11:30 a.m.
or
1:00 p.m. - 1:30 p.m.
No registration needed. Release time is allowed.

Regardless of what medical plan you are in now, you MUST make a
plan choice election for 2015!

 

What are the plan options for 2015?
There will be the same three plan options as last year with an election form due from each employee by December 1, 2014.

 

Options for full family coverage with NO deduction from paycheck:

  • Cap 2000 Plan
    The Cap 2000 Plan has a $2,000 individual deductible and $6,000 maximum family deductible. You can access many services and have benefits kick in as soon as you pay the $20 office visit co-pay or 20% of prescription costs without paying a deductible.  After you meet your deductible the plan would cover the percent listed in the Schedule of Benefits.

  • Qualified High Deductible Health Plan/Health Savings Account (HSA) 
    The Cap QHDHP has a $1,500 deductible for employee only coverage and a $3,000 deductible for employee plus dependent coverage.  With a QHDHP, you pay the full cost for medical care including, but not limited to, doctor visits, prescriptions, and/or inpatient and outpatient hospitalizations until you reach the deductible limits. Preventive care and preventive therapy drugs are covered in full (deductible waived).  Once the deductible is met, the Schedule of Benefits and provider network is the same as the other two plans.

For first time enrollees, the County offers seed money to the employee’s HSA. Continuing QHDHP participants are eligible to contribute funds via payroll deduction to their existing accounts.  NOTE:  HSA accounts will be with U.S. Bank starting January 1, 2015.

 

Option for full family coverage WITH deduction from paycheck:

  • Contributory Cap Plan ($84.90 Employee monthly payroll deduction)
    With this option, employees can elect a lower deductible level ($500 for individual coverage, $1,500 for family coverage). Employees’ contributions are paid through pre-tax payroll deductions starting in December 2014.

Under the Contributory Cap Plan, you can access many services and have benefits kick in as soon as you pay the $20 office visit co-pay or 20% of prescription costs without paying a deductible.  After you meet your deductible the plan would cover the percent listed in the Schedule of Benefits.

 

How are the plans changing in 2015?
The only change for 2015 is prescription costs will count towards the out of pocket maximum on all three plans.  This is new to the Cap 2000 and Contributory Cap for 2015.

 
How can I learn more about these three options?
To help you select the best plan option for your individual situation, please attend a 30-minute informational presentation on November 14th using release time authorized by the County Executive.  No sign up is necessary.
 

When do I have to make my decision?
The month of November is the “open enrollment” period.  During this time you can make changes to your plan election. This is the ONLY time during the year (without a qualifying event) you can change your plan election or change dependent enrollments.

 
Click here to review Frequently Asked Questions