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FAQs for school administrators
The following frequently asked questions (FAQs) help you understand the SEBB Program and how it affects your school district, educational service district, or charter school.
Questions about corona virus and eligibility during school closures? See Information about novel corona virus (COVID-19).
Yes. All employees working at least 630 hours during the school year who enroll in the SEBB Program pay a monthly medical premium. The premium amount will depend on the medical plan employees choose and whether they cover dependents. There is no employee premium for dental, vision, basic life, basic accidental death and dismemberment, or basic long-term disability.
Yes. Paid holiday hours and paid approved leave hours, such as sick leave, personal leave, and bereavement leave, count toward the 630 hours for eligibility. See How to determine eligibility.
Employees who waive medical coverage will not be automatically enrolled in a medical plan. If they do not officially waive medical coverage and do not enroll, they will be automatically enrolled in UMP Achieve 1 (medical), Uniform Dental plan, MetLife Vision, MetLife basic life, MetLife basic accidental death and dismemberment, and The Standard long-term disability.
Employees who want to waive medical coverage can do so either on SEBB My Account or with paper forms. If they do not officially waive medical coverage and do not enroll, they will be automatically enrolled in UMP Achieve 1 with a $33 premium, and will be charged the $25 tobacco use premium surcharge. They will also be enrolled in Uniform Dental plan, MetLife Vision, MetLife basic life, MetLife basic accidental death and dismemberment and The Standard long-term disability.
No. SEBB organizations will pay the same funding rate ($994 for 2020) regardless of which plan and which tier level employees select. The exception is employees who work between 180 and 630 hours and are offered SEBB benefits through locally negotiated agreements. For this group of employees only, the funding rate is different for each tier. See “What if I work fewer than 630 hours in a school year?”
HCA is aware of RCW 28A.400.370 (mandatory insurance protection for employees) and that some districts provide other work-related liability insurance coverage, such as commercial driver’s insurance for bus drivers. Historically, liability insurance administered by HCA has included at least personal auto and home insurance.
School districts can continue to offer liability insurance (including personal auto and home insurance) until at least September 1, 2020. Over the course of the next year, there could be changes to this guidance as a result of legislative action, SEB Board action, or agency rule-making processes. We will make all efforts to inform you as soon as possible of any changes ahead of the 2020–2021 school year.
No. HCA maintains the authority to offer cafeteria plans (as identified in IRS Section 125). This means SEBB organizations cannot offer health savings accounts (HSAs), a flexible spending arrangement (FSA), or a dependent care assistance program (DCAP).
A SEBB organization also cannot make additional employer contributions to an HSA for employees who enroll in an IRS qualified high-deductible health plan. The employer contribution is limited to the annual amount authorized by the SEBB Program and deposited into the HSA account by HCA on behalf of the SEBB organization.
Employees can waive SEBB medical coverage during the SEBB Program’s annual open enrollment if they are enrolled in other employer-based group medical insurance, a TRICARE plan, or Medicare.
However, they must enroll in SEBB dental, vision, basic life and AD&D insurance, and basic long-term disability insurance for themselves, regardless of whether they waive SEBB medical coverage.
If they waive SEBB medical coverage:
- They cannot enroll their eligible dependents in SEBB medical coverage.
- The premium surcharges will not apply to them.
- They will be able to access SmartHealth, the online health and wellness portal but they will not be able to earn the incentives. Their spouse or state-registered domestic partner will not have SmartHealth access.
- They can reenroll later during the annual open enrollment or if they have a qualifying special open enrollment event.
No. All SEBB benefits-eligible employees will be enrolled in dental, vision, basic life and AD&D insurance, and basic long-term disability insurance.