Medical Plans
All SEBB benefit-eligible school employees are offered a selection of plans based on their county of residence.
There are several SEBB Program medical plans to choose from:
- Kaiser Permanente Washington - Core 1, Core 2, or Core 3
- Uniform Medical Plan - Achieve 1, Achieve 2, or High Deductible
- Premera Blue Cross - High PPO or Standard PPO (not available to employees residing in Island County)
You may waive your enrollment in SEBB medical coverage if you are enrolled in other employer-based group medical insurance, a TRICARE plan, or Medicare.
Resources:
Dental Plans
If you are eligible for SEBB benefits, dental coverage is included for you and your eligible dependents. The coverage is mandatory and the premium paid by Oak Harbor Public Schools.
There are three SEBB program dental plans to choose from:
- DeltaCare (administered by Delta Dental)
- Willamette Dental Group
- Uniform Dental Plan (administered by Delta Dental)
Keep in mind:
- DeltaCare and Willamette Dental Group are managed-care plans. You must choose a primary dental provider within their networks. These plans will not pay claims if you see a provider outside of their network. Important: DeltaCare and Willamette Dental Group do not currently have any in-network providers located on Whidbey Island.
- Check with the plan to see if your dental provider is in the plan's network.
Compare dental plans
Vision Plans
If you are eligible for SEBB Program benefits, vision coverage is included for you and your eligible dependents. The coverage is mandatory and the premium paid by Oak Harbor Public Schools.
There are three SEBB Program vision plans to choose from:
- Davis Vision
- EyeMed Vision Care
- MetLife Vision
Be sure to check with the plan to see if your vision provider is in the plan's network.
Compare vision plans
Long-Term Disability (LTD) Insurance
The SEBB Program provides basic long-term disability (LTD) insurance at no cost to SEBB benefit-eligible school employees. Starting January 2022, benefit-eligible employees are also auto-enrolled in the 60% employee-paid supplemental long-term disability insurance unless they specifically decline the coverage or choose the 50% coverage, instead.
The basic long-term disability insurance provides for:
-
- Benefit: 60 percent of the first $667 of your pre-disability earnings, reduced by any deductible income
- Minimum: $100/month
- Maximum: $400/month
The 60% employee-paid supplemental long-term disability insurance provides for:
-
- Benefit: 60 percent of the first $16,667 of your pre-disability earnings, reduced by any deductible income
- Minimum: $100/month or 10 percent of the LTD benefit before deductible income, whichever is greater
- Maximum: $10,000/month
The 50% employee-paid supplemental long-term disability insurance provides for:
-
- Benefit: 50% of the first $16,667 of your pre-disability earnings, reduced by any deductible income
- Minimum: $100/month or 10% of the LTD benefit before deductible income, whichever is greater
- Maximum: $8,333/month
SEBB LTD webpage
The Standard for School Employees webpage
Life and Accidental Death & Dismemberment (AD&D) Insurance
The SEBB Program provides basic life and accidental death and dismemberment (AD&D) insurance at no cost to SEBB benefits-eligible school employees. If eligible, you will automatically be enrolled in basic life and AD&D insurance, even if you waive medical coverage. Supplemental life and AD&D insurance is also available for purchase. The benefits are provided though MetLife.
The basic life and AD&D insurance provides for:
- $35,000 for death from any cause
- $5,000 in case of accidental death or dismemberment (AD&D)
As an employee, your basic life insurance covers you and pays your designated beneficiaries in the event of your death. AD&D insurance provides extra benefits for certain injuries or death resulting from a covered accident.
You may apply for up to the guaranteed issue amounts of supplemental life insurance without submitting evidence of insurability to MetLife no later than 31 days after the date you become eligible for SEBB benefits. If you apply for or increase your life insurance coverage amounts outside the deadline, you must provide evidence of insurability to MetLife for approval.
To enroll in supplemental life and/or AD&D insurance, or to name a beneficiary, visit MetLife's MyBenefits website and register an account.
SEBB Life and AD&D Insurance webpage
Medical Flexible Spending Arrangement (FSA)
The Medical Flexible Spending Arrangement (FSA) lets you set aside pretax money from your paycheck to pay for out-of-pocket health care costs (deductibles, co-pays, coinsurance, dental, vision, and more). Navia Benefit Solutions processes claims and provides customer service for School Employees Benefits Board (SEBB) subscribers.
The Medical FSA plan year runs from January 1 through December 31 every year, and the grace period runs through March 15 of the following year. Claims for reimbursement must be submitted to Navia Benefit Solutions no later than March 31 of the following year. There are upper and lower limitations to how much money can be carried over from one plan year to the next.
In order to participate, enrollment must take place either within 31 days from the start of your SEBB-eligible position or during the yearly open enrollment period. You cannot have a Medical FSA and a Health Savings Account (HSA) at the same time.
SEBB Medical FSA webpage
Navia Benefit Solutions webpage
Dependent Care Assistance Program (DCAP)
The Dependent Care Assistance Program (DCAP) lets you set aside pretax money from your paycheck to help pay for qualifying child care or elder care expenses. Navia Benefits Solutions processes claims and provides customer service for School Employee Benefits Board (SEBB) subscribers.
The plan year runs from January 1 through December 31 every year. All DCAP expenses must be incurred by December 31 each year. Claims for reimbursement must be submitted to Navia Benefit Solutions no later than March 31 of the following year. After that date, accounts are closed and any remaining balances forfeited to the Health Care Authority.
In order to participate, enrollment must take place either within 31 days from the start of your SEBB-eligible position or during the yearly open enrollment period.
Navia Benefit Solutions webpage
SEBB DCAP webpage
Health Savings Account (HSA)
Health Savings Accounts (HSAs) are available to subscribers enrolled in a SEBB high-deductible health plan (HDHP) and are administered by HealthEquity. You can use your HSA to pay for IRS-qualified, out-of-pocket medical expenses (deductibles, copays, coinsurance, and more). You can spend HSA funds on qualified expenses for your spouse or other tax dependents, even if they aren't covered on your medical, dental, and vision plans. The funds in your HSA roll over from year to year, which means your HSA balance can grow over the years, earn interest, and build savings you can use to pay for health care as needed.
You are not eligible to enroll in a HDHP with an HSA if:
- You are enrolled in Apple Health (Medicaid)
- You are enrolled in Medicare Part A or Part B
- You are enrolled in another health plan that is not an IRS-qualified HDHP.
- You or your spouse or state-registered domestic partner is enrolled in a VEBA Medical Expense Plan, unless you convert it to a limited health reimbursement account (HRA) coverage.
- You are enrolled in a TRICARE plan.
- You are enrolled in a Medical FSA.
- You are claimed as a dependent on someone else's tax return.
If you are eligible and enrolled in a HDHP with an HSA, the Health Care Authority (on behalf of Oak Harbor Public Schools) may contribute the following amounts to your HSA:
- $31.25 each month for an individual subscriber
- $62.50 each month for the subscriber with one or more enrolled dependents
If you have are enrolled in a HDHP with an HSA, you may contribute pretax money from your paycheck and have it deposited into your HSA. Contact the Benefits Office for more information.
SEBB HSA webpage
Health Equity webpage
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