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Employee Benefits

Open Enrollment Letter
Employee Benefits
Eligible Employees receive medical, dental and vision plans, employee assistant program and may be eligible for life and/or long term disability (LTD) depending upon your position's Collective Bargaining Agreement and/or City Policy. All of these plans may require an employee to share in paying a portion of the premiums. The effective start date for insurance coverage is the first (1st) day of the month following employment.

Vacation and Holiday Pay
Sick Leave
Jury Duty/Military Leave


For those employees enrolled in the 2017 Premera High-Deductible Healthplan, BPAS is the administrator of your Health Reimbursement Arrangement (HRA) plan. An HRA is a benefit plan set up by the City of Mount Vernon to reimburse employees for qualified medical-related expenses on a non-taxable basis.

Insurance Plans
Employees receive medical, dental and vision plans, employee assistant program and may be eligible for life depending upon your position's Collective Bargaining Agreement and/or City Policy.


The City is continuing to offer the two medical plan options: Premera $10 co-pay and Premera High Deductible. Please see the medical insurance premium worksheet below to compare plan cost. The employee’s contribution is through a pre-tax payroll deduction.

Basic Insurance Definitions
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Deductible:
A specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Not all health insurance plans require a deductible

Coinsurance:
The amount that you are obliged to pay for covered medical services after you've satisfied any co-payment or deductible required by your health insurance plan. Coinsurance is typically expressed as a percentage of the charge or allowable charge for a service rendered by a healthcare provider. For example, if your insurance company covers 80% of the allowable charge for a specific service, you may be required to cover the remaining 20% as coinsurance.

Co-payment:
A specific charge that your health insurance plan may require that you pay for a specific medical service or supply, also referred to as a "co-pay." For example, your health insurance plan may require a $15 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.

Cadillac Tax:
Permanent, annual tax beginning in 2018 on high-cost employer-sponsored health coverage. The cost of coverage included the total contributions paid by both employer and employee.
Healthcare Premium:
The amount the city or the city and the employer pay to purchase health coverage

In-Network vs Out-of-Network:
If the healthcare provider or healthcare facility you visit is part of your insurance company’s network, you will get your healthcare at a lower price. Not applicable to emergency or accidental injury treatment.

Helpful Acronyms
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VEBA: Voluntary Employee Beneficiary Association

FSA: Flexible Spending Account
Allows employee to set aside a portion of pre-tax earnings to pay for qualified medical expenses.

HD: High Deductible

HRA: Health Reimbursement Account
Employer-funded plan that reimburses employees for incurred medical expenses that are not covered by the city’s standard insurance plan.

BPAS: Benefit Plans Administrative Services Inc.


2017 Medical plan changes: 

  • All changes to medical plan membership (adding, dropping or changing plans) will be done online this year. Please view these instructions.
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Insurance Plans

Life Insurance Policy
Standard Life Insurance Policy Certificate

Health Plans effective 1/1/2017 - 12/31/2017

Rate Sheet
Premera Plans
Willamette Dental
Delta Dental
Delta Dental Ortho
Medical/Dental Rate Sheet
Vision

Other Documents and Forms
High Deductible FAQs
Annual Notices
EEOC Wellness Letter
Dual Insurance Incentive
Healthcare Exchange Notice

Voluntary Benefits:
Aflac
Colonial


AWC Vision & Dental (for benefit or eligibility questions) Phone: 800-562-8981

Delta Dental (WDS)  
Phone: (800) 554-1907

Willamette Dental
Phone: (855) 433-6825

Vision Service Plan (VSP)
Phone: (800) 877-7195

Employee Assistance Program


The VEBA, Notional HRA and Flex Spending are managed by BPAS. The account can be managed on-line, through their mobile app or by submitting the paper forms:

BPAS HRA Reimbursement Form

BPAS FSA Reimbursement Form



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