Open enrollment (PEBB)
Review information to help you make benefits decisions for 2025. Open enrollment is October 28 through November 25, 2024.
Enrollments, changes, and premiums are effective January 1, 2025.
If you are a Medicare COBRA subscriber, visit the Retiree open enrollment webpage.
Important changes to benefits and plans
There are many important changes to 2025 benefits and plans. See everything that's changing.
Routine vision coverage is changing
Employees must choose a vision plan by November 25, if their employer offers this benefit. If you do not, you will be enrolled in MetLife Vision. If your employer offers medical coverage only, you will no longer have routine vision coverage as part of your PEBB benefits starting January 1, 2025.
The PEBB Program is offering three vision plans that start in 2025. Learn more.
Resources
- Vision coverage and plans
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Routine vision coverage will be removed from medical plans. There will be three separate vision plans available: Davis Vision by MetLife, EyeMed, and MetLife Vision. Employees who do not make a timely plan choice will be enrolled in MetLife Vision. Learn more about your vision coverage options.
Vision hardware benefit under your new vision plan will increase up to $200 (from $150) for prescription eyeglasses or contact lenses, and will reset in odd years (2025, 2027, etc.) This benefit is for members enrolling in standalone vision coverage in 2025.
- UMP Plus–Puget Sound High Value Network service area changes
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UMP Plus–PSHVN will no longer be available in Chelan or Douglas County. Members in Chelan and Douglas counties must change plans. If they do not, they will be enrolled in UMP Classic.
Confluence Health will no longer be part of UMP Plus–PSHVN.
- Deductible for consumer-directed health plans (CDHP)
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The IRS raised the minimum deductible for consumer-directed health plans to $1,650 for single subscribers and $3,300 for families.
This affects Kaiser Permanente NW CDHP, Kaiser Permanente WA CDHP, and UMP CDHP.
- Health savings account annual maximum contribution increase
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The IRS raised the health savings account annual maximum contribution to $4,350 for single subscribers and $8,550 for families.
- Flexible spending arrangements contribution increase
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Available to state agency and higher-education employees. Learn more about FSAs.
- The annual maximum contribution for FSAs increased to $3,200.
- The carryover amount is up to $640.
FSA contribution for represented employees: Represented employees who make $60,000 or less per year may be eligible to receive an FSA contribution of $250 in January.
Note: The FSA was previously known as the Medical FSA.
How much will it cost?
Find monthly premiums for:
- Employees
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You will pay a premium for medical coverage. There are no employee premiums for dental, vision, basic life, basic AD&D, and employer-paid LTD insurance. These benefits are paid for by your employer. If you choose to keep your employee-paid LTD insurance, you will pay that premium. You may also buy supplemental life and supplemental AD&D insurance for yourself and your dependents.
Employees who work for a city, county, port, tribal government, water district, hospital, etc., need to contact their payroll or benefits office to find their monthly premiums.
- Continuation coverage subscribers
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What do I need to do?
- Employees must choose a vision plan, if offered.
- If your medical plan will no longer be available in 2025, you need to choose a new plan.
- You may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond.
- If you have a DCAP or FSA, you need to enroll in these benefits for 2025. Learn more about FSAs and DCAP.
- What changes can I make?
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Open enrollment is your chance to:
- Change medical, dental, and vision plans.
- Add or remove a dependent from your health plan coverage. If you enroll a dependent, you must provide proof of your dependent's eligibility with your enrollment form before your dependent can be enrolled on your account. Check the list of acceptable documents.
- Reattest to the spouse or state-registered domestic partner coverage premium surcharge. Note: This does not apply to subscribers enrolled in Medicare Part A and Part B.
- Enroll in an FSA, or DCAP through Navia Benefit Solutions, and choose your election amounts (available only to state agency and higher-education employees). You must enroll again in these benefits every year you want to participate.
- Waive enrollment (employees only) in medical coverage if you have or are enrolling in other employer-based group medical coverage, a TRICARE plan, or Original Medicare (Parts A and B only).
- You cannot waive PEBB employee medical for PEBB retiree insurance coverage, which includes Premera Medicare Supplement Plan F or Plan G, UnitedHealthcare PEBB Balance and PEBB Complete, Kaiser Permanente NW Senior Advantage with Part D, Kaiser Permanente WA Medicare Advantage with Part D, or UMP Classic Medicare with Part D (PDP).
- Enroll in employee medical coverage if you previously waived medical for other employer-based group medical, a TRICARE plan, or Original Medicare (Parts A and B only).
Note: Pierce County, Washington State University, and University of Washington employees must use Workday.
- How do I make changes?
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If you want to enroll in MetLife Vision, you do not need to do anything.
To enroll in one of the other vision plans or make other changes, use Benefits 24/7 or a form. Find your form: Employees or PEBB Continuation Coverage. Make your changes using Benefits 24/7 or Workday by midnight on November 25, 2024.
Note: Pierce County, WSU, and UW employees must use Workday, even if you wish to enroll in MetLife Vision.
If you use a form:
- Employees: Your payroll or benefits office must receive your forms by November 25.
- PEBB Continuation Coverage subscribers: The PEBB Program must receive your forms by November 25.
- How to return your form
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If you use a form, return it as instructed below.
Employees
Return your form to your payroll or benefits office. They must receive it no later than November 25.
PEBB Continuation Coverage subscribers
Return your form to the PEBB Program one of the following ways:
- Secure message using HCA Support. After signing in, select the Retiree/Continuation coverage option.
- Mail it to the PEBB Program.
Washington State Health Care Authority
PEBB Program
PO Box 42684
Olympia, WA 98504-2684
- Fax it to 360-725-0771.
- Bring it to the HCA Olympia office.
626 8th Avenue SE
Olympia, WA 98501
The PEBB Program must receive your form by November 25.
- Do I need to attest to the premium surcharges?
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If you cover your spouse or state-registered domestic partner, you may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond. Learn more about the premium surcharges.
Medical, dental, and vision plan information
You are not required to stay in the same plan every year. You can change plans during open enrollment.
Changes to vision coverage
Employees must enroll in a vision plan by November 25, if your employer offers this benefit.
If you do not, you will be enrolled in MetLife Vision.
If your employer offers medical coverage only, you will no longer have routine vision coverage as part of your PEBB benefits starting January 1, 2025.
- How do I compare vision plan benefits
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The PEBB Program offers three vision plans:
- Davis Vision by MetLife
- EyeMed
- MetLife Vision
Use the Vision Benefits At-a-Glance Comparison to compare them.
- How do I compare medical plan benefits?
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Compare up to three medical plans side-by-side with the Online Medical Benefits Comparison.
You can also use the Medical Benefits At-a-Glance Comparison (printable).
- What medical plans are available to me?
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In most cases, you must live in a medical plan's service area to join the plan. Exception: To enroll in a UMP Plus plan, you must live in one of the counties where it is offered.
Be sure to call the plans you are interested in to ask about provider availability in your county. If you move out of your plan's service area, you may need to change plans. You must report your new address no later than 60 days after your move.
View plans available to:
- Summary of Benefits and Coverage (SBC)
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Summaries of Benefits and Coverage (SBCs) are required under the federal Affordable Care Act to help members understand plan benefits and medical terms. SBCs are not available for Medicare plans. View the SBCs for:
- How do I compare dental plan benefits?
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The PEBB Program offers three dental plans:
- DeltaCare
- Willamette Dental
- Uniform Dental Plan
Use the Dental Benefits At-a-Glance Comparison (printable) to compare them.
There are some differences between them that are important to keep in mind.
- There are two managed-care plans: DeltaCare (administered by Delta Dental of Washington) and Willamette Dental. These plans require you choose a primary care dentist from within their network. You need referrals from the primary care dentist to see a specialist.
- There is one preferred-provider plan (PPO), Uniform Dental Plan (administered by Delta Dental of Washington). You can see any provider without a referral. You can see providers outside of the network but will pay more out-of-pocket.
- Find providers
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Check the plans' provider portals to check if your current providers are in the plans' networks. You can also call the plan's customer service to ask about a provider's network status.
More to explore
Learn more about your benefits using the resources below.
- For Your Benefit newsletter
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The October newsletter is your source for information about open enrollment. Read the edition for your member type.
- Webinars
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Our medical plan carriers are hosting webinars. Check out the schedules.
- In-person benefits fairs
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See the schedule. Get your questions answered about plans, providers, and benefits at an in-person benefits fair. There will also be presentations.
- Virtual benefits fairs
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Visit and explore to learn more about all the benefits available.