Skip navigation - Jump to main content

Medical/Dental Insurance
for Faculty, Staff & Librarians—Choose a Medical Plan

UNDERSTAND

It's important to choose a medical plan that's best for you and your family. A carefully selected health plan can potentially reduce medical costs over the long term and give you peace of mind. The Public Employees Benefits Board (PEBB) offers the following medical plans to eligible UW employees:

Uniform Medical Plan (UMP) CLASSIC, a preferred provider plan. It's generally best for people who:

  • Don't mind paying higher premiums to ensure lower deductibles.
  • Want flexibility in choosing any approved provider worldwide for medically necessary services, but are open to using a Preferred Provider to keep their costs down.
  • May have covered family member(s) with a chronic condition requiring specialty care.
  • Want the option of using a Flexible Spending Account (FSA).

Uniform Medical Plan's Consumer Directed Health Plan with a Health Savings Account (CDHP-HSA) plan is a preferred provider plan with high deductibles and low premiums. I'ts generally best for people who:

  • Want the lowest monthly premium.
  • Can meet the eligibility requirements to participate in a CDHP-HSA.
  • Can pay out-of-pocket for treatments and services needed, if there are not enough dollars accrued in the HSA.
  • Are generally very healthy; primarily use preventive care from their health plan; and don't have ongoing major medical needs and/or use specialty drugs (e.g. high-cost injectable, oral, or inhaled drugs).
  • Are willing to retain documentation for HSA expenditures in case of IRS audit.
  • Are willing to verify if services or supplies, not covered by insurance, are qualified medical expenses for coverage under the HSA.
  • Want additional tax-free savings for future medical expenses.
  • Want to build a health savings account that remains with them even after UW employment or into retirement.

Group Health Classic is a traditional managed care plan. It's generally best for people who:

  • Want lower monthly premiums.
  • May have covered family member(s) with a chronic condition requiring ongoing medical management including prescription drugs, regular office visits, and specialty care.
  • Want the least hassle with paperwork.
  • Are willing to use the health care network.
  • Want the option of using a Flexible Spending Account.

The Group Health Value is a managed care value plan. It's generally best for people who:

  • Want a low monthly premium.
  • Have covered family members in good health who rarely use health care services.
  • Want the least hassle with paperwork.
  • Are willing to use the health care network for care.
  • Want the option of using a Flexible Spending Account.

The Group Health Consumer Directed Health Plan with Health Savings Account (CDHP-HSA) a managed care plan with high deductibles and low premiums. It's generally best for people who:

  • Want the lowest monthly premium.
  • Can meet the eligibility requirements to participate in a CDHP-HSA.
  • Can pay out-of-pocket for treatments and services needed, if there are not enough dollars accrued in the HSA.
  • Are generally very healthy; primarily use preventive care from their health plan; and don't have ongoing major medical needs and/or use specialty drugs (e.g. high-cost injectable, oral, or inhaled drugs).
  • Are willing to retain documentation for HSA expenditures in case of IRS audit.
  • Are willing to verify if services or supplies, not covered by insurance, are qualified medical expenses for coverage under the HSA.
  • Want additional tax-free savings for future medical expenses.
  • Want to build a health savings account that remains with them even after UW employment or into retirement.

Kaiser Permanente Classic is a traditional managed care plan offered to employees residing in the southwest region of Washington or northwest/north region of Oregon. This plan is generally best for people who:

  • Want lower monthly premiums.
  • May have covered family member(s) with a chronic condition requiring ongoing medical management including prescription drugs, regular office visits, and specialty care.
  • Want the least hassle with paperwork.
  • Are willing to use the health care network.
  • Want the option of using a Flexible Spending Account.

Kaiser Permanente Classic is a traditional managed care plan with high deductibles and low premiums. It's offered to employees residing in the southwest region of Washington or northwest/north region of Oregon. This plan is generally best for people who:

  • Want the lowest monthly premium.
  • Can meet the eligibility requirements to participate in a CDHP-HSA.
  • Can pay out-of-pocket for treatments and services needed, if there are not enough dollars accrued in the HSA.
  • Are generally very healthy; primarily use preventive care from their health plan; and don't have ongoing major medical needs and/or use specialty drugs (e.g. high-cost injectable, oral, or inhaled drugs).
  • Are willing to retain documentation for HSA expenditures in case of IRS audit.
  • Are willing to verify if services or supplies, not covered by insurance, are qualified medical expenses for coverage under the HSA.
  • Want additional tax-free savings for future medical expenses.
  • Want to build a health savings account that remains with them even after UW employment or into retirement.

Get Started

Before you enroll in a medical plan, follow these four steps to guide you in making your decision:

  1. Find a plan in your area
  2. Contact the plans
  3. See monthly premiums
  4. Compare plans

Enroll in (or change) a medical plan

Traditional Classic or Value plans have just a few enrollment steps whereas the CDHP-HSA plans require an additional form, the Employee Authorization for Payroll Deduction to Health Savings Account form.

Enroll in or change your medical plan

Waiving Coverage

You may elect to waive medical coverage for yourself and your family members. (Note: Dental coverage may not be waived—there is no employee premium for this coverage.) If you waive coverage for yourself, you may not enroll a family member. Even if you waive medical coverage you will not receive any additional compensation because the UW is required to pay the employer portion of your coverage to the Health Care Authority regardless.

EXPLORE

Contact the Plan

Medical Benefits Comparison Tool 

Summaries of Benefits and Coverage

2015 Medical Plan Benefits Comparison


Disclaimer: The information on this page does not substitute for official plan documents. If there is a conflict between the information on this site and an official plan document, the official plan document will govern. Refer to the Benefits Forms & Publications page.

Plan availability and eligibility may change depending on your employment status and/or actions of the Washington State Health Care Authority (HCA), the agency that purchases and coordinates health insurance benefits for public employees, including employees of the University of Washington, through the Public Employees Benefits Board (PEBB) program.

Medical & Dental
Insurance Topics