Plans, Prices and Contributions for
Licensed Employees 2020-2021 Plan Year
as per NWEA MOA 2020-21 (awaiting finalization)
Opt Out Contribution
- An NWEA member who is eligible for benefits and chooses to "opt out" of medical, dental, and vision will receive $500 per month contributed to a qualified HRA/VEBA. (Members who choose to "opt out" must be covered on another group medical plan). This amount is prorated by FTE.
- An NWEA member who is eligible for benefits and chooses to "opt out" of medical insurance only will receive $300 per month contributed to a qualified HRA/VEBA. This amount is prorated by FTE.
If you plan to take advantage of one of the incentives above, you must complete an HR/VEBA Enrollment Form and submit it to Human Resources.
For HRA VEBA plan information, please visit www.hraveba.org.
Moda Plan 3 HRA Contributions
An NWEA member who is eligible for benefits and chooses to enroll in Moda Plan 3 will receive a contribution into an American Fidelity HRA in the following amounts (amount will be pro-rated based on FTE):
For assistance in accessing HRA funds, please visit American Fidelity HRA Customer Support
- Employee Only - $825
- Employee and Spouse - $1500
- Employee and Child(ren) - $1500
- Employee and Family - $2250
For assistance in accessing HRA funds, please visit American Fidelity HRA Customer Support
Kaiser Plan 2 HRA Contributions
An NWEA member who is eligible for benefits and chooses to enroll in Kaiser 2 will receive a one-time contribution into an American Fidelity Health Reimbursement Account (HRA) in the following amounts (amount will be pro-rated based on FTE):
For assistance in accessing HRA funds, please visit American Fidelity HRA Customer Support
- Employee Only - $1300
- Employee and Spouse - $2500
- Employee and Child(ren) - $2500
- Employee and Family - $3000
For assistance in accessing HRA funds, please visit American Fidelity HRA Customer Support
High Deductible - Health Savings Account Plan Contributions
Members who are eligible for benefits and select Moda Plan 6 will receive the following contribution to a qualified Health Savings Account (amount will be pro-rated based on FTE):
Members who are eligible for benefits and select Kaiser Plan 3 will receive the following contribution to a qualified Health Savings Account (amount will be pro-rated based on FTE):
One fourth of the eligible contribution will be deposited in the member's HSA by approximately October 15, 2020. The remaining three fourths will be deposited by approximately January 15, 2021.
**To be eligible for an HSA, you must establish that you are not:
Members interested in selecting a High Deductible plan should seek additional information about his/her eligibility for a Health Savings Account by contacting American Fidelity Health Services Administration at 1-866-326-3600 or by email hsa-support@af-group.com.
Employees who select a QHDHP and determined his/her eligibility for a Health Savings Account should complete an American Fidelity Application and Custodial Agreement and return it to Human Resources.
- Employee only - $2000
- Employee and Spouse - $4,000
- Employee and Child(ren) - $4,000
- Employee and Family - $5,000
Members who are eligible for benefits and select Kaiser Plan 3 will receive the following contribution to a qualified Health Savings Account (amount will be pro-rated based on FTE):
- Employee only - $3,450
- Employee and Spouse - $6,000
- Employee and Child(ren) - $6,000
- Employee and Family - $6,900
One fourth of the eligible contribution will be deposited in the member's HSA by approximately October 15, 2020. The remaining three fourths will be deposited by approximately January 15, 2021.
**To be eligible for an HSA, you must establish that you are not:
- Being claimed as a dependent on another's tax return
- Covered under any other health plan that is not a Qualified High Deductible Health Plan (QHDHP)
- Covered under any other type of health benefit that covers some of the medical expenses that are covered by a QHDHP
- Enrolled in Medicare or Medicaid
Members interested in selecting a High Deductible plan should seek additional information about his/her eligibility for a Health Savings Account by contacting American Fidelity Health Services Administration at 1-866-326-3600 or by email hsa-support@af-group.com.
Employees who select a QHDHP and determined his/her eligibility for a Health Savings Account should complete an American Fidelity Application and Custodial Agreement and return it to Human Resources.
2020-21 Rates |
2020-21 Plan Designs |
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Medical, Dental and Vision
Optional Plan Rates *monthly premium deducted from paycheck Short Term Disability Life Insurance AD&D Long Term Care - LTC Calculator |
Medical (Side-by-side comparison)
Short Term Disability Optional Life Insurance Optional AD&D Long Term Care |
How Much Will This Cost?
NWRESD contributes $1348 to licensed employees with an FTE of 1.0 to purchase medical, dental, and/or vision benefits. Part time employees with an FTE of .5 and above receive a prorated amount based on their FTE. NWEA members have established a "pool" to assist members in reducing the "out of pocket" for premiums. For information on the pool distribution, please review the Memorandum of Agreement regarding the 2020-21 insurance pool.
Enrollment
For medical, dental, vision, life, accidental death and dismemberment, and long term care insurance, you must enroll online in the OEBB system within the specified enrollment time-frame.
- New Employees: Review the benefit information and enroll within 31 days of benefit eligibility in MyOEBB
- Open Enrollment: Your annual opportunity to make changes to your current plans. The Open Enrollment period begin August 15, 2020 and ends September 15, 2020. You must enroll or "opt out" by the end of the open enrollment period.
- Mid-Year Changes: Certain Qualified Status Changes allow such as the birth or adoption of a child, marriage, newly formed domestic partnership, or loss of other coverage may permit insurance enrollment. Complete the Mid-Year Change Form and send it to Human Resources within 31 days of the event.
