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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 12/2/13!

Step 4: Enroll in a Health Savings Account (OPTIONAL if eligible)
  • In mid-December Flex Plan Services will email you HSA enrollment instructions directly if you elect the QHDHP.
  • If you contributed to an HSA in 2013 and want contributions to continue in 2014 you must RE-ENROLL.
 
 
2014 Whatcom County
Self-Insured Medical Plan Information

 

The 2014 MEDICAL PLAN ELECTION FORM IS DUE IN
HUMAN RESOURCES BY 4:30 P.M. MONDAY, DECEMBER 2, 2013.

Regardless of what medical plan you are in now, you MUST make a plan choice election for 2014.

 

What are plan options for 2014?
Whatcom County will offer the same three medical plan options as in 2013 with NO increased premium cost to employees. 

1. Qualified High Deductible Health Plan and, if eligible, a Health Savings Account (HSA). 

This plan promotes using preventive care features and a higher deductible.  Preventive care and preventive therapy drugs are covered in full (deductible waived).  The deductible for this plan is $1,500 for employee only coverage or $3,000 for employee plus dependent(s) 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. Once the deductible is met, the Schedule of Benefits and provider network is the same as the other two plans.

*One-time County HSA seed money will be available only for new participants in 2014*

2. Contributory Cap Plan ($100.44 Employee monthly payroll deduction)

The County offers a Contributory Cap Plan where employees can elect a lower deductible level ($500 for individual coverage, $1,500 for family coverage). Employees pay $100.44 per month through pre-tax payroll deductions for this option.

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.

3. Cap 2000 Plan

Some employees may not qualify for a QHDHP or HSA, or may not wish to make monthly payroll deductions toward medical coverage.  For these situations, the County offers a Cap 2000 Plan with a $2,000 deductible for individual coverage and $6,000 family deductible.

Under the Cap 2000 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 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 using release time authorized by the County Executive on November 4, 12, or 13.  Sign up using the Training link on InsideWhatcom.

 

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