City of Everett 2022 Benefit Highlights - Everett, WA
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City of Everett 2022 Benefit Highlights
Welcome!
The benefits in this summary are effective January 1, 2022 to December 31, 2022.
This overview is a summary of your benefits. For more detailed information, please refer to your plan documents.
The plan documents determine how all benefits are paid.
TABLE OF CONTENTS
1 Eligibility 14 Know Where to Go for Care
1 Enrollment 15 Employee Assistance Program
3 Cost of Coverage 16 Flexible Spending Account
4 Medical Coverage 17 Life Insurance
5 Medical Benefit Plans 18 Accident Insurance
Cancer Insurance
7 Prescription Drug Benefit
19 Long Term Care
8 Vision Benefit Plan
Deferred Compensation Retirement Plan
9 Dental Benefit Plans
20 Holiday Schedule
10 HRA/VEBA Look-Back Measurement
11 Rightway 21 For Assistance
12 No Cost Access to Healthcare 22 Annual Legal Notices
Medicare Part D Notice: If you (and/or your dependents) have Medicare or will become
eligible for Medicare in the next 12 months, a federal law gives you more choices about
your prescription drug coverage. Legal Notices are located in the back of the booklet for
reference.
Eligibility
All active City of Everett AFSCME employees who work a minimum of 22 hours per week are eligible for the benefits
outlined in this guide on the 1st of the third month following date of hire.
In order to comply with the Affordable Care Act (ACA), the City of Everett determines full-time eligibility for benefits
based on the Look Back Measurement Method. Refer to the Look Back Measurement Method section of this guide for
additional information on how full-time eligibility is determined.
MAKING CHANGES
Your benefit elections remain in effect until the end of the Plan Year (January 1 through December 31). Only the occurrence
of a qualifying life event (birth, marriage, adoption, etc.) will allow you to make changes to your benefit elections. Please
contact the Benefits Coordinator within 30 days to report a family status change or life event or if you have questions on
what qualifies as a family status change. If you are not enrolled at the time you experience a change in family status or life
event and you gain a new dependent, you may be able to enroll within 60 calendar days under HIPAA rules.
DEPENDENTS
Some plan benefits offer coverage for your dependents. Eligible dependents include:
• Your dependent children up to age 26
• Your disabled children of any age
• Your spouse
• Your qualified domestic partner (of same or opposite gender)
If you have a domestic partner (of same or opposite gender), he or she is eligible to enroll as a dependent on your
benefits plan. You must live together and meet all criteria outlined in the domestic partner definition in the affidavit.
Employee premium contributions for domestic partners must be deducted on a post-tax basis. Premium contributions
paid by the City of Everett on behalf of the domestic partner will be treated as imputed income for the employee. Please
contact the Benefits Coordinator for more information on the application process.
Enrollment
HOW DO I ENROLL?
Your account has been created by your HR Administrator using your first name, last name, and your preferred email
address (work or personal). But the account isn’t fully set up until you create a password to log into Maxwell. You’ll
receive an introductory email from Maxwell Health (noreply@maxwellhealth.com). Check your inbox for your email and
click on the button to “Set up Your Account Now!”. This will take you to create your password. Once you've created your
password you can log right in.
WHAT IF I'M BROUGHT RIGHT TO THE LOGIN SCREEN FIRST?
Please note that the activation link sent to you by email will expire after 6 days. When you click to Set Up Your Account!
button from your email, if you are brought directly to the main login page, it means the link in your email has expired.
This is easy to fix! Just select the Trouble Logging in? and Request activation link. Once you fill in your Maxwell email
address, you’ll receive a new email with a button to create your password. Instructions on how to set up your password
and activate your account will be emailed to you. Once you receive the email, click Activate Your Account.
1
Enrollment
WHAT TO EXPECT WHEN SELECTING YOUR BENEFITS
The reason you’re selecting benefits may be because it’s our annual open enrollment period, you’re a new hire, or you’ve
experienced a change such as having a baby. Selecting benefits in Maxwell is similar no matter which of these situations
you’re in. However, if you are electing benefits during your annual open enrollment, and your existing benefits appear in
Maxwell, you'll see a comparison view for easier shopping.
THERE ARE FOUR STEPS YOU’LL TYPICALLY TAKE IN MAXWELL WHEN SELECTING BENEFITS:
1. Enter your profile information
This is where you’ll enter all of your profile information, including information about your family members. It's
important that this information is correct as it's what will be used to enroll you in your benefits with the carriers. In
the next step, as you add benefits to your cart, you’ll only have the ability to cover family members as dependents if
you have them listed here.
What if I need to go back and edit profile information?
If you need to edit your profile information, you can do this by clicking My Profile in the top navigation and clicking
Edit to the section where you need to make changes. If you're in the middle of a shopping event, you can edit right
away. If you're not in the middle of a shopping event, you'll need to fill out some more information to notify your
benefits administrator why you're making a change at this time.
2. Review your available benefits
After completing your profile and dependent information, you will be able to start shopping for benefits. Maxwell
aims to make your benefits enrollment simple and familiar, much like any site you would purchase products on today.
Browse all your available benefits in your benefits cart. Then, review the plan options for each benefit. You'll be
required to enroll in or waive some benefits, as denoted by an asterisk (*).
When you find a plan that works for you, add it to your cart. If you don't want a benefit, you can choose to waive
it. Each plan may have some additional options to select, such as the family members you want to cover before you
can add it to your cart. If you have multiple plan options to choose from, you can compare plans side-by-side. When
you're done adding one benefit to your cart, you'll see a prompt to move on to the next benefit. Click Next and keep
shopping!
3. Review your selections and proceed to checkout
After you've taken action on each benefit type, it's time to return to your benefits cart and carefully review what
you've selected. When you're done reviewing, click Proceed to Checkout.
4. Final review and submit your enrollment
This is your chance to complete a final review before submitting your enrollment to your benefits administrator.
Before you click Submit Enrollment, make sure to add any beneficiaries if you've selected products that require them.
If you have products that require beneficiaries, you'll see a button that says “Update my Beneficiaries” above the
"Submit Enrollment" button at the bottom. Once you complete everything and feel confident in your selections, scroll
down and click Submit Enrollment as the final step!
Important: Some benefits may require that you fill out a form after you checkout. This will be shown on the page after
you've submitted your enrollment. Make sure to complete these if available. You'll then be brought to a confirmation
page where you can review your now pending benefit selections.
2
Cost of Coverage (COSTS PER MONTH)
Who is covered? Single Employee
Plan cost City of Everett pays Employee pays
Medical Plan
HMA CDHP $561.87 $533.78 $28.10
HMA PPO $748.04 $673.24 $74.80
Kaiser HMO $738.30 $664.46 $73.84
Dental $55.00 $55.00 $0.00
Vision (VSP) $21.00 $21.00 $0.00
Who is covered? Employee + 1 dependent
Plan cost City of Everett pays Employee pays
Medical Plan
HMA CDHP $1,123.76 $1,067.58 $56.18
HMA PPO $1,496.11 $1,346.50 $149.62
Kaiser HMO $1,469.21 $1,322.30 $146.92
Dental $137.00 $137.00 $0.00
Vision (VSP) $21.00 $21.00 $0.00
Who is covered? Employee + 2 or more dependents
Plan cost City of Everett pays Employee pays
Medical Plan
HMA CDHP $1,573.27 $1,494.62 $78.66
HMA PPO $2,094.55 $1,885.10 $209.46
Kaiser HMO $2,177.98 $ 1,960.18 $217.80
Dental $137.00 $137.00 $0.00
Vision (VSP) $21.00 $21.00 $0.00
3
Medical Coverage
Nothing is more important than the health of you and your family. Our benefit plans promote coverages to help you live
a healthier life. As an eligible employee, you may choose to enroll in one of the three medical plans offered. Compare the
options carefully and choose the one that is the best for you and your family.
HMA CDHP substantially reduce the amount both you and the City of
Everett pay for medical services. One of the advantages of
The City of Everett offers a CDHP plan. This plan is
an in-network provider is that you usually do not need to
administered by Healthcare Management Administrators
file claim forms. Show your ID card to a preferred provider,
(HMA), and pays 80% in-network and 60% out-of-network
and the provider will use the information on the card to
up to the allowable amounts for most covered services after
submit the claim on your behalf.
the deductible has been met. The plan also includes 100%
coverage for preventive care to which no deductible applies. Out-of-Network Care: You may choose to receive care
from a provider that is not a part of the network, that
The CDHP plan features a $1,500 individual ($3,000
is, an out-of-network provider, but you receive a lower
family) in-network deductible and an in-network out-
level of coverage. Your benefit coverage is based on
of-pocket maximum of $2,500 for individual coverage
an allowable amount determined by the plan to be
($5,000 family).
reasonable for services provided. You are responsible
Certain out-of-network charges in excess of the plan for any amounts above the allowed amount and they
allowable amounts do not count toward these limits will not be credited toward the deductible and out of
and you may be responsible for additional out of pocket pocket limits. You may also be required to file your own
expenses. claims. You should confirm coverage with out-of-network
providers prior to receiving services as you may find you
If you participate in the City of Everett CDHP plan, you have no coverage at all.
will receive an HRA/VEBA account. The money in your
HRA/VEBA may be used to pay (or reimburse yourself) KAISER CORE HMO
for qualified healthcare expenses. Any remaining funds
in your HRA/VEBA roll over from year to year. More The City of Everett CORE HMO Plan, administered by
information on the HRA/VEBA can be found on page 11. Kaiser Permanente pays 100% after a copay for most
in-network covered services. This plan has no deductible
and your out-of-pocket maximum is $1,000 individual
HMA PPO ($2,000 per family). Your care must be managed from the
The City of Everett PPO Plan, administered by Healthcare list of Kaiser Permanente Network Providers. There is no
Management Administrators (HMA), pays 90% in-network coverage for providers outside of the Kaiser Permanente
and 60% out-of-network for most covered services after the Network.
$300 individual ($600 per family) deductible has been met.
It also includes 100% coverage for preventive care to which CHOOSE THE COVERAGE THAT IS BEST
no deductible applies. Your out-of-pocket maximum is $750 FOR YOU AND YOUR FAMILY.
individual ($1,500 per family) for in-network coverage. All of these plans have an annual out-of-pocket maximum
for qualified expenses. If you should reach this maximum,
Certain out-of-network charges in excess of the plan your costs will be capped. Certain expenses, such as an
allowable amounts do not count toward these limits out-of-network charge that exceeds the plan’s allowable
and you may be responsible for additional out of pocket amount do not count toward the deductible or out-of-
expenses. pocket maximum and you will continue to be responsible
for those expenses.
ABOUT NETWORK PROVIDERS
In-network care: When you seek medical services from
a network provider, you receive a higher level of benefit.
This means when you use network providers, you
4Medical Benefit Plans
HMA HMA Kaiser
CDHP PPO CORE HMO
Vera Near-site Clinic
Physician and Covered in full Covered in full Not Applicable
Preventive Care
$200 per employee
Clinic Incentive $100 per employee
$400/family Not Applicable
Contribution (family members are not eligible)
(spouse/domestic partner only)
Annual HRA/VEBA $1,200/individual
Not Applicable Not Applicable
Contribution $2,400/family
In-Network PAR1/Out-of-Network In-Network PAR1/Out-of-Network In-Network Only
Lifetime Plan Max Unlimited Unlimited Unlimited
Annual Plan Max Unlimited Unlimited Unlimited
Calendar Year
Deductible $1,500/individual $300/individual $300/individual
(unless otherwise $0
noted, the deductible $3,000/family $600/family $600/family
applies to all services)
Out-of-Pocket
Maximum $2,500/individual $750/individual $1,500/individual $1,000/individual
(includes deductible
and in-network $5,000/family $1,500/family $3,000/family $2,000/family
medical copays)
Physician
Office Visit 80% after 60% after $20 copay then $20 copay then $10 copay then
deductible deductible paid at 100% paid at 60% paid at 100%
Other Services 80% after 60% after 90% after 90% after
(X-Ray and Lab) Paid at 100%
deductible deductible deductible deductible
Telehealth
HMA Telemedicine Paid at 100% Paid at 100% Not covered
(HMA participants only)
98point6 Paid at 100% Paid at 100% Not covered
(HMA participants only)
Preventive Care Paid at 100% Not covered Paid at 100% Not covered Paid at 100%
(adult and child)
Emergency Room $100 copay then $75 copay then
(copay waived if 80% after deductible
admitted) paid at 90% after deductible paid at 100%
Hospital
Inpatient 80% after 60% after $100 copay per $200 copay per $100 copay per
deductible deductible admission admission admittance then
then paid at 90% then paid at 80% paid at 100%
after deductible after deductible
Outpatient 80% after 60% after $100 copay then $100 copay then $10 copay then
deductible deductible paid at 90% after paid at 60% after paid at 100%
deductible deductible
5Medical Benefit Plans
HMA HMA Kaiser
CDHP PPO CORE HMO
In-Network PAR1/Out-of-Network In-Network PAR1/Out-of-Network In-Network Only
Rehabilitation
Inpatient 80% after 60% after $100 copay per $200 copay per $100 copay per
deductible deductible admission admission admittance then
then paid at 90% then paid at 60% paid at 100%
after deductible after deductible
Outpatient 80% after 60% after 90% after 60% after $10 copay then
deductible deductible deductible deductible paid at 100%
(up to 36 visits per calendar year ) (up to 36 visits per calendar year ) (up to 60 visits per
calendar year)
Mental Health
and Chemical
Dependency
Inpatient 80% after 60% after $100 copay per $200 copay per $100 copay per
deductible deductible admission admission admittance then
then paid at 90% then paid at 80% paid at 100%
after deductible after deductible
Outpatient 80% after 60% after $20 copay then $20 copay then $10 copay then
deductible deductible paid at 100% paid at 60% paid at 100%
80% after $20 copay then $10 copay then
Chiropractic deductible paid at 80% paid at 100%
Not covered Not covered
Services (up to 24 visits (up to 24 visits per (up to 10 visits
per calendar year) calendar year) per calendar year)
Participating (PAR) Network Out-of-Pocket max is $750/$1,500 and Preventive Care is covered at 100%
1
This benefit summary is for illustrative purposes only. In case of discrepancy, please refer to the plan booklet for coverage
information as the plan booklet will prevail.
HOW TO FIND HMA PROVIDERS HOW TO FIND KAISER
1. Go to accesshma.com PERMANENTE PROVIDERS*
2. Click ‘Menu’ at the top of the page, 1. Go to kp.org/wa
then click 'Member' 2. Click 'Find Doctors' at the top of the page
3. Click 'Find a Provider' at bottom of the page 3. Select our network 'Core'
4. Click on your region 4. Select search criteria
5. Enter search criteria 5. A list of providers will appear along with
6. Click 'Search' contact information
7. A list of providers will appear along with
contact information.
6Prescription Drug Benefit Plans
We know that prescription drug coverage is important to you and your family. If you are enrolled in a medical plan, you
will automatically receive prescription coverage. Using an in-network pharmacy will save you money. When you use an
out-of-network pharmacy, you may be charged amounts over the allowed charges. The mail order option allows you to
buy qualified prescriptions in larger 90-day quantities.
HMA HMA Kaiser
CDHP CVS/Caremark PPO CVS/Caremark CORE HMO
PAR/ PAR/
In-Network In-Network In-Network Only
Out-of-Network Out-of-Network
Annual Out-of-Pocket $1,000/individual Combined with
Combined with Medical
Maximum $2,000/family Medical
Retail Pharmacy
Generic $10 copay $10 copay $10 copay $10 copay $10 copay
Brand Name $25 copay $25 copay $25 copay $25 copay $20 copay
Non-Formulary Brand 20% up to $50 20% up to $50 20% up to $50 20% up to $50 *
Supply Limit 34 days or 100 34 days or 100 34 days or 100 34 days or 100 30 days
units units units units
Mail Order
Generic $20 copay $20 copay $20 copay
Brand Name $50 copay Not covered $50 copay Not covered $40 copay
Non-Formulary Brand $50 copay $50 copay Not Covered
Supply Limit 90 days 90 days 90 days
*If you opt for a brand-named drug, and it’s not medically necessary, you pay copay plus cost difference between generic
and brand-name drug
Note: Certain prescriptions may require preauthorization, step therapy (where the plan requires that certain prescriptions
are tried before others), or have dispensing limits. Specialty prescriptions (e.g., injectibles) may need to be purchased
from a specific provider. Confirm that your pharmacy is in-network before making your purchase.
MORE WAYS TO SAVE ON PRESCRIPTION DRUGS ON YOUR HMA PLAN
FREE PRESCRIPTIONS MAINTENANCE PRESCRIPTIONS
Did you know that some of your prescriptions are covered If you take long-term, maintenance medications, you can
for free? Under the Affordable Care Act, some preventive now get a 90-day supply at any CVS pharmacy
prescriptions, may be covered in full. In addition, any (i.e. Target pharmacy) instead of filling your prescriptions
generic prescription dispensed at the Vera clinic is free. every 30 days.
7Vision Benefits
Vision coverage for AFSCME members is through VSP. A routine eye exam is important, not only for correcting vision, but
because it can lead to detecting other serious health conditions. Please note that the vision eyewear benefit may not
cover all costs including lens coatings, contact lens fitting, and taxes.
VSP
In-Network Out-of-Network
Eye Exam
Plan pays 100% Up to $45
(once per 12 months)
Vision Materials
$10 copay then plan pays up to scheduled amounts shown below
(once per 12 months)
Eyeglass Lenses (per pair)
Single Vision 100% of basic lens Up to $30
Bifocal 100% of basic lens Up to $50
Trifocal 100% of basic lens Up to $65
Eyeglass Frame Up to $250
Up to $70
(once per 24 months) ($270 for featured frame brands)
Elective Contact Lenses Up to $250 Up to $105
(in lieu of frames) Contact Lens Fitting: Up to $60 copay Contact Lens Fitting: Up to $60 copay
PROVIDER CHOICE
The VSP vision plan allows you to seek care from any licensed provider.
HOW TO FIND However, when you visit an in-network provider, you will experience
VISION PROVIDERS lower out-of-pocket expenses through a higher benefit level. If you visit
1. Go to vsp.com an out-of-network provider, you may be required to pay the provider up
2. On the top of the screen click front and submit a claim to the insurance company for reimbursement. In
“Find a Doctor”, enter your addition, you will be responsible for additional costs if the out-of-network
search criteria and click “Search” provider’s charges exceed the plan’s maximum reimbursement levels.
3. A list of providers will appear This benefit summary is for illustrative purposes only. In case of
along with contact information discrepancy, please refer to the plan booklet for coverage information as
the plan booklet will prevail.
8Dental Benefit Plan
City of Everett provides you with comprehensive coverage through the Washington State Council of County and City
Employees Health and Welfare Trust. Regular visits to your dentists can help more than protect your smile, they can help
protect your health. Recent studies have linked gum disease to damage elsewhere in the body and dentists are able to
screen for oral symptoms of many other diseases including cancer, diabetes and heart disease.
WSCCCE Health & Welfare Trust Plan 12
Smile Dental Network Out-of-Network
$0/individual
Calendar Year Deductible
$0/family
Annual Plan Maximum $2,000/individual
Waiting Period None
Diagnostic and Preventive Plan pays 100% Plan pays 100%
Basic Services
Fillings, Root Canals, Plan pays 100% Plan pays 100%
Periodontitis Treatment
Major Services Plan pays 80% Plan pays 80%
Orthodontic Services
Plan pays 50% up to $5,000 per person
Lifetime Maximum
This benefit summary is for illustrative purposes only. In case
of discrepancy, please refer to the plan booklet for coverage
HOW TO FIND WSCCE information as the plan booklet will prevail.
HEALTH & WELFARE
PROVIDER CHOICE
TRUST PROVIDERS You may seek care from any licensed provider. If you visit a Smile
1. Go to council2trust.com Dental Network dentist, you will have access to the lowest out-
2. Click "Smile Dental Network" on the of-pocket costs. If you visit an out-of-network dentist, you may be
top of the screen responsible for additional costs if the provider’s charges exceed
3. Click “Expand All" the plan’s usual and customary levels.
4. Click "Preferred Dental Provider
Locations - All Plans" PRE-TREATMENT ESTIMATE
5. A list of providers will appear along If your dental work will be extensive, you should have your dentist
with contact information submit the proposed treatment plan to the insurance company
before you begin treatment. The insurance company will provide
Remember to inform the dental office you with a summary of the plan’s coverage and your estimated
that you are a Council 2 Member. out-of-pocket costs.
9HRA/VEBA
Employees electing to enroll in the CDHP Health plan will receive $1,200 per individual
per year and $2,400 per family per year into a VEBA account funded by the City of Everett.
This VEBA account is administered by BPAS and paired with a Health Reimbursement
Arrangement (HRA) which allows you to use the VEBA funds for current or future out-
of-pocket health-related expenses. Dollars contributed that are not used in the current
plan year, carry over and can be used in subsequent plan years for reimbursement of
qualifying, out-of-pocket healthcare expenses. During retirement, these contributions can also be used to reimburse
for healthcare insurance premiums. If you were hired after the first month of the plan year, these contributions will be
pro-rated. The HRA/VEBA doesn’t replace your group health insurance plan; it works with your plan to provide additional
coverage options. To find out more visit bpas.com.
ACTIVE EMPLOYEES
CLINIC INCENTIVE FOR HMA Use money in your HRA/VEBA to pay health plan
PARTICIPANTS ONLY deductibles, co-pays and coinsurance as well as
If you complete your Annual Whole Health prescription drugs and certain insurance premiums. Don’t
Evaluation (AWHE) at the Vera Clinic, which worry, if you don’t spend all of the funds in your HRA/
includes a wellness exam, biometric screening and VEBA by the end of the year, your balance will simply
a coaching introduction, between January and roll into the next year. You’ll accumulate funds over
December of 2022, you can earn an HRA/VEBA time which means you’ll have money to pay for health
contribution of up to $200 depending on your expenses when you retire.
health plan.
For employees on the PPO health plan, you will POST-RETIREMENT
earn $100 for completing your AWHE. Your employer can contribute funds to help you, your
spouse and eligible dependents pay for medical expenses
For employees and spouses/domestic partners even after your retirement. That’s pretty generous!
on the CHDP health plan, you will each earn $200 Use your post-retirement VEBA funds to pay for certain
for completing your AWHE – maximum $400 per medical premiums and long-term care premiums. Your
family. This is deposited the month following your employer can choose to make contributions throughout
completion of the AWHE. your working life or convert accumulated unused sick
The AWHE can be completed in one visit. time, vacation, severance money, or other longevity-
based benefits.
FULL COVERAGE
All medical expenses defined under IRS Code Section
TAX ADVANTAGES 213(d) are eligible under your HRA/VEBA including;
VEBA is a tax-advantaged account so you aren’t
taxed on your employer’s contributions to it. Plus, • Co-pays, prescriptions, and deductibles
your VEBA accrues interest that grows on a tax- • Dental, medical, and vision services
free basis. Since VEBAs have to be used for eligible • Medicare Part B and D
medical expenses, your distributions are tax-free • Medical supplies and equipment
too. Money goes in tax free, is invested tax free,
and comes out tax free.
10Rightway
YOUR GUIDE TO BET TER HEALTH.
Rightway makes sure you get the highest-quality and most complete care at the lowest cost. Our health guides match you
with the doctor you need, make an appointment for you, provide upfront pricing, and even dispute bills on your behalf.
REAL HUMANS HELPING REAL HUMANS.
NEED CARE? UNEXPECTED BILL? NEED HELP POST-DOC?
• We’ll find you the best doctor and • Send it our way and we’ll • We can help save you
make an appointment. explain the charges. money on prescriptions.
• We can review your symptoms • If something looks wrong, • We’ll answer any other
and figure out next steps. we’ll dispute it on your behalf. questions you might have.
• We’ll tell you what you can
expect to pay on medical and
pharmacy visits.
THINK OF US AS A DOCTOR IN THE FAMILY.
Download now on Google Play and the Apple App store.
11No Cost Access to Care
98point6
(HMA PARTICIPANTS ONLY)
ON-DEMAND PRIMARY CARE
98point6 is a new kind of on-demand, text-based primary care delivered
through a private and secure in-app messaging experience on your mobile
phone. With 98point6, U.S. based, board-certified physicians answer questions,
diagnose and treat acute and chronic illnesses, outline care options and
order any necessary prescriptions or lab tests. They can also help you better
understand any primary care conditions. Unlimited primary care through
98point6 is available to benefit-enrolled HMA participants. Cost per visit is $0.
Download the 98point6 app from the App Store or Google Play to get started.
GET STARTED TODAY
1. Install the App: Download 98point6 from the App Store or Google Play
2. Create your account: No password to remember; just enter your mobile
number and you'll receive a unique pin.
3. Start your visit: Get a personalized care plan, labs ordered, and necessary
prescriptions sent to your pharmacy.
PRIVATE, IN-APP MESSAGING WITH 98POINT6 PHYSICIANS,
WHEREVER LIFE TAKES YOU.
During your commute While sick in bed While on a break At the baseball game
Enjoying the outdoors While making dinner While relaxing at home
12No Cost Access to Care
Vera Whole Health Clinic
(HMA PARTICIPANTS ONLY)
HEALTHCARE REIMAGINED
Your health is our only focus. That’s why we’ve SERVICES
designed the entire clinic experience with you PREVENTIVE CARE
at the center. Annual Whole Health Evaluation;
immunizations; screenings; well
It’s available to you, your spouse, dependents women exams; family planning
and coworkers. You’ll have all the time you
need with a provider and you won’t be rushed CHRONIC DISEASE
out the door. Use the clinic for screenings, MANAGEMENT
chronic disease management, that nagging Diabetes; hypertension; depression
cough, or that annoying pain in your knee that ACUTE CARE
you’ve been ignoring. Did we mention that any Coughs/colds; wound care; sprains and
services received through the clinic are always strains; rashes; urinary tract infections;
free? It’s true. back pain
Monday–Tuesday: 7:00am–4:00pm BONUS SUPPORT SERVICES
Wednesday–Thursday: 8:00am–6:00pm Health coaching; on-site labs; provider-
Friday: 8:00am–3:00pm dispensed medications; specialty care
coordination and advocacy
Clinic Phone: 425-903-3070
Clinic Fax: 425-953-5768
ANNUAL WHOLE S E
HEALTH EVALUATION St
48
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Evergreen
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January and December of 2022, you can earn
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up to $200 depending on your plan enrollment.
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This is deposited into your HRA/VEBA account QFC
the following month after your visit.
4931 Evergreen Way
Everett, WA 98230 50th St SE
50th St
SE
13Know Where to Go
With many options for getting care, how do you choose? This chart can help you understand where to go for what—and
how you can save money.
Where To Get Care What It Is Type Of Care Cost
98point6 On-demand, text-based primary •Allergies •Bladder infections Free
care delivered through private •Bronchitis •Sore throats
and secure in-app messaging on •Diarrhea •Cough/colds
your mobile phone. Available 24 •Pink eye •Stomach aches
hours a day, 7 days a week. See •Rashes •Sinus problems
page 8 for more information. •Fever •Seasonal flu
98point6.com
NurseLine Connects with registered •Choosing appropriate medical care Free
nurses 24/7. •Finding a doctor or hospital for Kaiser
Kaiser Members: •Understanding treatment options members
•Achieving a healthier lifestyle only
800.297.6877 | kp.org/wa
•Answering medication questions
Vera Clinics Visit the Vera Clinic for preventive •Annual Whole •Well Women Exams Free
and routine care. Health Evaluation •Family Planning for HMA
HMA Members: •Immunizations •Sprains and Strains members
•Screenings & Labs •Health Coaching only
425.903.3070
patients.verawholehealth.com •Diabetes •Coughs/Colds
•Mental Health •Rashes & Wounds
•Provider-dispensed •Back Pain
Medications •Hypertension
Primary Care Go to a doctor’s office when you •Checkups $$
Physician need preventive or routine care. •Preventive services
Your primary doctor can access •Minor skin conditions
your medical records, manage •Vaccinations
your medications and refer you to •General health management
a specialist, if needed.
Urgent Care Urgent care is ideal for when you •Sprains •Small cuts that may $$$
need care quickly, but it is not •Minor burns need a few stitches
an emergency (and your doctor •Strains •Minor broken bones
isn’t available). Urgent care •Minor infections
centers treat issues that aren’t life
threatening.
Emergency Room The ER is for life-threatening •Heavy bleeding •Spinal injuries $$$$
or very serious conditions that •Large open wounds •Severe head injury
require immediate care. This is •Sudden change in •Breathing difficulty
also when to call 911. vision •Major broken bones
•Chest pain •Sudden weakness or
•Major burns trouble talking
14Employee Assistance Program (EAP)
Life is unpredictable. To help you and your household members cope with everyday life, work challenges, stress, family
problems, and other personal issues, an Employee Assistance Program (EAP) is available 24 hours a day, seven days a
week through The Standard. This service is completely confidential and is available to all employees and their household
members. Enrollment is automatic, and City of Everett pays the full cost for coverage. Benefits include confidential access
to the following:
• Depression, grief, loss and emotional well-being • Stress or anxiety with work or family
• Family, marital and other relationship issues • Financial and legal concerns
• Life improvement and goal-setting • Identity theft and fraud resolution
• Addictions such as alcohol and drug abuse • Online will preparation
WORKLIFE SERVICES
WorkLife Services are included with the Employee Assistance Program. Get help with referrals for important needs like
education, adoption, travel, daily living and care for your pet, child or elderly loved one.
ONLINE RESOURCES
Visit healthadvocate.com/Standard3 to explore a wealth of information online, including videos, guides, articles,
webinars, resources, self-assessments and calculators.
MOBILE APP
Get the help you need on your mobile device anytime anywhere. Gain
immediate, confidential and secure access to your Employee Assistance
Program (EAP) on your mobile device. Our Health Advocate app is your THE STANDARD
‘always-on’ mobile support tool. Download the Health Advocate app and
enter The Standard - EAP - 3 visits under "Choose your organization". Phone: 888 293 6948
Website: healthadvocate.com/Standard3
If you are in a crisis situation or at risk of harm to yourself or
others, the Care Access Center is available 24/7 for immediate and
confidential assistance.
15Flexible Spending Account (FSA)
A Flexible Spending Account lets you set aside money—before it's taxed—through payroll deductions. The money can be
used for eligible healthcare and dependent day care expenses you and your family expect to have over the next year. The
main benefit of using an FSA is that you reduce your taxable income, which means you have more money to spend. The
catch is that you have to use the money in your account by our plan year's end. Otherwise, that money is lost, so plan
carefully. You must re-enroll in this program each year. BPAS administers this program.
HEALTHCARE FSA
IMPORTANT CONSIDERATIONS This plan allows you to pay for eligible out-of-pocket
healthcare expenses with pre-tax dollars. Eligible expenses
• Expenses must be incurred between
include medical, dental, or vision costs including plan
01/01/2022 and 03/15/2023 and submitted for
deductibles, copays, coinsurance amounts, and other non-
reimbursement no later than 03/31/2023.
covered healthcare costs for you and your tax dependents.
• Elections cannot be changed during the plan You may access your entire annual election from the first
year, unless you have a qualified change in day of the plan year and you can set aside up to $2,850.
family status (and the election change must be
consistent with the event). DEPENDENT CARE FSA
• Unused amounts will be lost at the end of the This plan allows you to pay for eligible out-of-pocket
plan year, so it is very important that you plan dependent care expenses with pre-tax dollars. Eligible
carefully before making your election. expenses may include daycare centers, in-home child care,
and before or after school care for your dependent children
• FSA funds can be used for you, your spouse, under age 13. Other individuals may qualify if they are
and your tax dependents only. considered your tax dependent and are incapable of self-
care. It is important to note that you can access money only
• You can obtain reimbursement for eligible after it is placed into your dependent care FSA account.
expenses incurred by your spouse or tax
dependent children, even if they are not All caregivers must have a tax ID or Social Security number.
covered on the City of Everett health plan. This information must be included on your federal tax
return. If you use the dependent care reimbursement
• You cannot obtain reimbursement for eligible account, the IRS will not allow you to claim a dependent
expenses for a domestic partner or their care credit for reimbursed expenses. Consult your tax
children, unless they qualify as your tax advisor to determine whether you should enroll in this
dependents (Important: questions about plan. You can set aside up to $5,000 per household for
the tax status of your dependents should be eligible dependent care expenses for the year.
addressed with your tax advisor).
• Keep your receipts. In most cases, you'll need
to provide proof that your expenses were
considered eligible for IRS purposes.
BPAS
• For more information, please visit Phone: 866 401 5272
bpas.com. Website: bpas.com
16Life Insurance
If you have loved ones who depend on your income for VOLUNTARY LIFE
support, having life and accidental death insurance can
Voluntary Life Insurance allows you to purchase additional
help protect your family's financial security.
life insurance to protect your family's financial security.
Coverage is provided by The Standard.
BASIC LIFE AND AD&D
Basic Life Insurance pays your beneficiary a lump sum if Schedule of Benefits
you die. AD&D provides another layer of benefits to either
Up to a maximum of lesser of
you or your beneficiary if you suffer from loss of a limb, Employee Voluntary
six times covered annual
speech, sight, or hearing, or if you die in an accident. Life Amount
earnings or $300,000
The cost of coverage is paid in full by the City of Everett.
Coverage is provided by The Standard. Spouse Voluntary
Up to a maximum of $300,000
Life Amount
Schedule of Benefits Child(ren) Voluntary
Up to a maximum of $10,000
Life Amount
One times covered annual
Basic Life Amount earnings up to a maximum of Beneficiary Reminder: Make sure that you have named a
$150,000 beneficiary for your life insurance benefit. It's important
One times covered annual to know that many states require that a spouse be named
Basic AD&D Amount earnings up to a maximum of as the beneficiary, unless they sign a waiver.
$150,000
Evidence of Insurability (EOI): Depending on the amount
Taxes: Due to IRS regulations, a life insurance benefit of coverage you select, you may need to submit EOI, which
of $50,000 or more is considered a taxable benefit. You involves providing the insurance company with additional
will see the value of the benefit included in your taxable information about your health. Find form online at
income on your paycheck and W-2. standard.com/mhs.
17Accident Insurance
STAY ON STABLE FINANCIAL GROUND, EVEN WHEN AN ACCIDENT HAS YOU OFF YOUR FEET.
Accident insurance can help minimize the financial impact if you, your spouse, or your child experiences an accident.
• Receive cash benefits for treatments or services – like This is a voluntary benefit. You pay the full cost of the
fractures, x-rays, ER visits and crutches – due to a coverage.
covered accident.
• Use the benefit however you see fit – to help pay Monthly Cost
for out-of-pocket medical costs like, co-pays or Employee Only $18.85
deductibles, or for everyday expenses like childcare or
groceries. Employee + Spouse $29.45
• Pays a cancer wellness benefit of $50 each year once
Employee + Child(ren) $33.12
you provide proof of an eligible health screening
(such as a prostate cancer screening, mammogram, Family $43.72
colonoscopy, pap smear, EKG, and more).
For more information about these two benefits,
Cancer Insurance please visit the Sun Life page:
webinars.on24.com/SunlifeEnrollment/CityofEverett
FOCUS ON YOUR HEALTH – NOT YOUR WALLET –
IF YOU’RE DIAGNOSED WITH CANCER.
If you are diagnosed with cancer, this insurance helps reduce daily stress around money, so you can focus on getting better.
• Supplement your health insurance by receiving cash (such as a prostate cancer screening, mammogram,
benefits to help cover out-of-pocket medical costs or colonoscopy, biopsy, CT scans, and more).
everyday expenses.
PRE-EXISTING CONDITION EXCLUSION
• Provides fixed benefits for early detection, incidence Any condition for which you have seen a medical
and treatment of certain types of cancer, as well practitioner or taken medication in the 12 months
as related expenses such as screenings, hospital before your coverage began is considered a pre-existing
confinement, radiation/chemotherapy, surgery and condition.
hospice care.
• Pays a cancer screening benefit of $75 each year once This is a voluntary benefit. You pay the full cost of the
you provide proof of an eligible health screening coverage.
Monthly Cost
Age through 49 Age 50–59 Age 60–64 Age 65+
Employee Only $18.57 $22.90 $36.52 $48.90
Employee + Spouse $31.57 $38.93 $62.08 $83.12
Employee + Child(ren) $20.42 $24.75 $38.37 $50.75
Family $33.42 $40.78 $63.93 $84.97
18LONG TERM CARE
STAY IN CONTROL AND PROTECT YOUR ASSETS
A long-term care plus life insurance plan provides you
Schedule of benefits
with two benefits: a long-term care benefit and a death
benefit. The long-term care benefit provides you with a Employee voluntary
$25,000 increments up to a
monthly benefit for services needed if age, injury, illness, long-term care and
maximum of $300,000
or a cognitive impairment makes it challenging for you to life insurance amount
take care of yourself; the death benefit provides a lump Spouse voluntary
$25,000 increments up to a
sum benefit to your beneficiaries in the event of your long-term care and
maximum of $300,000
death. Cost for long-term care services is generally not life insurance amount
covered by health insurance or Medicare. Monthly long-term
4% of elected death benefit
care insurance benefit
Long-term care plus life insurance coverage of up to amount
amount
$125,000 is guaranteed to you and not subject to
approval if you enroll within 31 days of becoming eligible Maximum long-term
25 months
care benefit duration
for this benefit. You do not have to purchase insurance
for yourself in order to buy coverage for your spouse. Full elected benefit amount,
Coverage is provided through Trustmark LifeEvents. reduced to 1/3 at age 70
or after 15 years of the
Life insurance death
policy being in place,
WA CARES FUND benefit amount
whichever is later.
Washington State established the WA Cares Fund to which Please note: long-term care
we all contribute while we are working, and through benefit does not decrease.
which we can access long-term care when we need it.
You can buy coverage exceeding the amount guaranteed
Premiums in the amount of 0.58% of your earnings will
to you with proof of good health (evidence of insurability).
be deducted from your paycheck. Long-term care benefits
You may purchase or increase coverage outside of the
will become available beginning January 2025. To be
initial election period; however, any coverage amounts are
eligible to receive benefits, you must meet certain criteria
subject to approval by Trustmark.
(e.g. must have paid into the program for a period of time,
live in Washington State, etc.). Visit wacaresfund.wa.gov
for more information.
Deferred Compensation Plan
Saving for the future is more important than ever. We’re GET HELP ONLINE
living longer these days – which could mean spending 20
or more years in retirement. Our deferred compensation
MANAGE YOUR ACCOUNT
• For Missionsquare participants - icmarc.org/login
plans offer you the opportunity to save and invest today
• For Empower participants - massmutual.com/serve
which may give you the best chance to achieve a more
• For State DCP (Voya) participants -drs.wa.gov/login
comfortable tomorrow.
HOW MUCH CAN I CONTRIBUTE? TIPS & TOOLS
• For Missionsquare participants - icmarc.org/realize
• $20,500 all eligible participants
• For Empower participants - massmutual.com/serve
• $27,000 if age 50 or over
• For State DCP (Voya) participants -drs.wa.gov/login
• $41,000 if you qualify for pre-retirement catch-up
contributions
19Holiday Schedule
2022 Holiday Schedule
New Year's Day Observed Friday, December 31, 2021
Martin Luther King Jr. Day Monday, January 17, 2022
Presidents' Day Monday, February 21, 2022
Memorial Day Monday, May 30, 2022
Independence Day Monday, July 4, 2022
Labor Day Monday, September 5, 2022
Veterans' Day Friday, November 11, 2022
Thanksgiving Day Thursday, November 24, 2022
Day after Thanksgiving Day Friday, November 25, 2022
Christmas Observed Monday, December 26, 2022
Look-Back Measurement
City of Everett uses the look-back measurement method to determine medical plan eligibility.
NEW EMPLOYEES ONGOING EMPLOYEES
New employees hired to work a variable hour or seasonal An ongoing employee is an individual who has been
schedule. If you are hired into a position where your employed for an entire standard measurement period.
hours vary and City of Everett is unable to determine A standard measurement period is the 12-month period
— as of your date of hire — whether you will be a full- of time over which City of Everett counts employee
time employee (work on average 130 or more hours a hours to determine which employees work full-time.
month), or you are hired as a seasonal employee who will An employee is deemed full-time if he or she averages
work for six (6) consecutive months or less (regardless of 130 or more hours a month over the 12-month standard
monthly hours worked), you will be placed in an initial measurement period. Those employees who average
measurement period (IMP) of 12 months to determine 130 or more hours a month over the 12-month standard
whether you are a full-time employee, eligible for measurement period will be offered coverage as of
coverage under the terms of the plan. the first day of the stability period associated with the
standard measurement period. Coverage will be in effect
Your 12-month IMP will begin on the first of the month for a 12-month stability period. If your employment is
following your date of hire and will last for 12 months. If, terminated during a stability period, you will be offered
during your IMP, you average 30 or more hours a week continued coverage under COBRA.
over that 12 month period, you will be offered coverage
by the first of the second month after your IMP ends. City of Everett's standard measurement period is
Your coverage will remain in effect during an associated December 1st through November 30th.
stability period that will last 12 months from the date
coverage is offered. If your employment is terminated
during that stability period, you will be offered continued
coverage under COBRA.
20For Assistance
BENEFIT ADVOCATES
Should you or your covered family members have a benefit City of Everett HR Manager, Marcy
or claims question, you should contact the highly trained Hammer: 425 257 7035 (or 425 257 8767)
Benefit Advocate team.* The advocate is able to contact the
mhammer@everettwa.gov
insurance providers on your behalf to obtain information
related to the following:
City of Everett HR Coordinator, Chelsi Foote:
• Incorrect payment of insurance claims 425 257 8708, cfoote@everettwa.gov
• Appeal of denied claims, if warranted
• Benefit questions and clarifications Alliant Benefit Advocate:
• Enrollment questions 800 489 1390
Benefit Advocates are available Monday through Friday benefitsupport@alliant.com
5:00 a.m. to 5:00 p.m. PT. Please have your insurance
identification card available when you call.
*Due to HIPAA Privacy regulations, we may need to obtain your written authorization in order to assist with certain
issues. The Benefit Advocate or Coordinator will provide you with an authorization form, if needed.
INSURANCE CARRIERS
Provider Phone Web / Email Group Number
Medical HMA 800 668 6004 accesshma.com 020188
Telehealth
98point6 N/A 98point6.com N/A
(HMA participants only)
HRA/VEBA BPAS 866 401 5272 bpas.com CITEVE1807
RX
CVS/Caremark 866 260 4646 caremark.com N/A
(HMA participants only)
Medical/RX Kaiser Permanente 888 901 4636 kp.org 1479300
patients.
Medical Near-site Clinic verawholehealth.com
Vera Clinic 425 903 3070 N/A
(HMA participants only) centraleverett@
verawholehealth.com
Dental WSCCCE 800 331 6158 council2trust.com TBD
Vision VSP 800 877 7195 vsp.com N/A
Flexible Spending Account BPAS 866 401 5272 bpas.com N/A
Voluntary Benefits Sun Life 800 247 6875 N/A 942727
healthadvocate.com/
Employee Assistance Program The Standard 888 293 6948 N/A
Standard3
Deferred Compensation
Empower William Cook 206 254 1000 bill.cook@valic.com 107672
Missionsquare David Goren 202 607 6149 dgoren@icmarc.org 301333
State DCP (Voya) N/A 888 327 5596 drs.wa.gov/login N/A
212022 Annual Legal Notices MEDICARE PART D NOTICE Important Notice from City of Everett About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with City of Everett and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. City of Everett has determined that the prescription drug coverage offered by the City of Everett Employee Health Benefit Plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. WHEN CAN YOU JOIN A MEDICARE DRUG PLAN? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. WHAT HAPPENS TO YOUR CURRENT COVERAGE IF YOU DECIDE TO JOIN A MEDICARE DRUG PLAN? If you decide to join a Medicare drug plan, your City of Everett coverage will not be affected. See below for more information about what happens to your current coverage if you join a Medicare drug plan. Since the existing prescription drug coverage under City of Everett Employee Health Benefit Plan is creditable (e.g., as good as Medicare coverage), you can retain your existing prescription drug coverage and choose not to enroll in a Part D plan; or you can enroll in a Part D plan as a supplement to, or in lieu of, your existing prescription drug coverage. If you do decide to join a Medicare drug plan and drop your City of Everett prescription drug coverage, be aware that you and your dependents can only get this coverage back at open enrollment or if you experience an event that gives rise to a HIPAA Special Enrollment Right. CMS Form 10182-CC Updated April 1, 2011 According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850. 22
WHEN WILL YOU PAY A HIGHER PREMIUM (PENALTY) TO JOIN A MEDICARE DRUG PLAN?
You should also know that if you drop or lose your current coverage with City of Everett and don’t join a Medicare drug plan within
63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least
1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you
go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base
beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage.
In addition, you may have to wait until the following October to join.
FOR MORE INFORMATION ABOUT THIS NOTICE OR YOUR CURRENT PRESCRIPTION DRUG COVERAGE…
Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next
period you can join a Medicare drug plan, and if this coverage through City of Everett changes. You also may request a copy of this
notice at any time.
FOR MORE INFORMATION ABOUT YOUR OPTIONS UNDER MEDICARE PRESCRIPTION DRUG
COVERAGE…
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll
get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage:
• Visit medicare.gov
• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for
their telephone number) for personalized help
• Call 800-MEDICARE (800-633-4227). TTY users should call 877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information
about this extra help, visit Social Security on the web at socialsecurity.gov, or call them at 800-772-1213 (TTY 800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to
provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore,
whether or not you are required to pay a higher premium (a penalty).
Date: 11/1/21
Name of Entity/Sender: City of Everett
Contact-Position/Office: Marcy Hammer/HR Manager
Address: 2930 Wetmore Avenue, 5th Floor, Everett, WA 98201
Phone Number: (425) 257-7035
CMS Form 10182-CC Updated April 1, 2011 According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection
of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time
required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions,
search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the
accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance
Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.
23WOMEN’S HEALTH AND CANCER RIGHTS ACT If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: • All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; • Prostheses; and • Treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply: $300 deductible; 90% coinsurance (in- network). If you would like more information on WHCRA benefits, call your plan administrator (425) 257-7035. NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). If you would like more information on maternity benefits, call your plan administrator at (425) 257-7035 HIPAA NOTICE OF SPECIAL ENROLLMENT RIGHTS If you decline enrollment in City of Everett’s health plan for you or your dependents (including your spouse) because of other health insurance or group health plan coverage, you or your dependents may be able to enroll in City of Everett’s health plan without waiting for the next open enrollment period if you: • Lose other health insurance or group health plan coverage. You must request enrollment within 31 days after the loss of other coverage. • Gain a new dependent as a result of marriage, birth, adoption, or placement for adoption. You must request health plan enrollment within 31 days after the marriage, birth, adoption, or placement for adoption. • Lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because you are no longer eligible. You must request medical plan enrollment within 60 days after the loss of such coverage. If you request a change due to a special enrollment event within the 31 day timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For all other events, coverage will be effective the first of the month following your request for enrollment. In addition, you may enroll in City of Everett’s health plan if you become eligible for a state premium assistance program under Medicaid or CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage. If you request this change, coverage will be effective the first of the month following your request for enrollment. Specific restrictions may apply, depending on federal and state law. Note: If your dependent becomes eligible for a special enrollment rights, you may add the dependent to your current coverage or change to another health plan. 24
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