Blue Shield Savings Plus PPO (High Deductible Health Plan)
Per IRS guidelines, the annual deductible is increasing:
- Individual coverage from $1,600 to $1,650
- Family coverage from $3,200 to $3,300
New!
The Bank will contribute to your Health Savings Account (HSA) for the 2025/2026 plan year if you enroll in the Blue Shield Savings Plus PPO Plan. You can receive up to $360 for individual coverage or up to $720 for family coverage this plan year. Bank’s contributions will be deposited to your HSA account each pay period.
Important! In order to receive the Bank’s HSA contribution, you’ll need to open an HSA with HealthEquity
Blue Shield PPO
In order to continue to provide quality benefits while managing healthcare costs, the following plan provisions are changing for 2025/2026.
Blue Shield Exclusive Provider Organization (EPO)
We are excited to offer a new medical plan! The Blue Shield EPO Plan is a mid-range option that offers a lower monthly contribution than the PPO Plan with the same flexibility of choosing your own provider. The EPO only offers in-network benefits using the same Blue Shield PPO and Savings Plus PPO network.
Kaiser Washington HMO Reminder
The Bank is no longer accepting new enrollment into this medical plan. If you are currently enrolled, you can continue your enrollment, though it will not be available for new elections.
EyeMed Vision
The EyeMed PPO and Buy-Up PPO vision plans will include enhanced Eye360 benefits where the exam is covered at 100% and offers a higher allowance for frames or contact lenses when using the PLUS network providers!
Blue Shield ID Cards
All current and new Blue Shield PPO, EPO and Savings Plus PPO plan members will receive a new ID card in the mail (unless you elected to receive a digital ID card). You may also download an ID card from the Blue Shield website. Please make sure to provide the new ID card to your provider or pharmacy effective June 1, 2025.
PLAN COMPARISON
Blue Shield PPO
| Plan Provision | 2024/2025 Plan Year | 2025/2026 Plan Year |
|---|---|---|
| Annual Deductible: In-network / Out-of-network |
$250 / individual & $500/family | $500 / individual & $1,000 / family |
| Annual Out-of-pocket Maximum: In-network / Out-of-network |
$2,250 / individual & $4,500 / family | INN: $2,500 / individual & $5,000 / family OON: $5,750 / individual & $11,500 / family |
| PCP/Specialist Copay: In-network |
PCP: $10 per visit Specialist: $10 per visit |
PCP: $20 per visit Specialist: $30 per visit |
| Urgent Care: In-network |
$10 per visit | $40 per visit |
| Emergency Room Visit: In-network / Out-of-network |
$100 copay (waived if admitted) + 10% | $150 copay (waived if admitted) + 10% |
| Prescription Drugs Retail Copays: In-Network (Tiers 1, 2, 3 and 4) |
$10 / $15 / $30 / $30 | $10 / $20 / $40 / $60 |
| Prescription Drugs Mail Order Copays: In-Network (Tiers 1, 2, 3 and 4) |
$20 / $30 / $60 / $60 | $20 / $40 / $80 / $120 |
| Level of Coverage (You, You + Spouse, You + Child(ren) and You + Family) | $80 / $160 / $150 / $320 | $100 / $200 / $190 / $400 |
Blue Shield EPO
| Plan Provision | Blue Shield EPO |
|---|---|
| In-Network Only | |
| HSA Eligible | No |
| Calendar Year Deductible | Individual: $750 Family: $1,500 |
| Coinsurance | 20% Deductible applies |
| Calendar Year Out-of-Pocket Max | Individual: $3,250 Family: $6,500 |
| Doctor Visit | PCP: $20/visit Specialist: $40/visit (deductible does not apply) |
| Preventive Care | No charge |
| Hospitalization | 20% Deductible applies |
| Emergency Room Visit | $200 (copay waived if admitted) |
| Emergency Room Physicians | 20% Deductible applies |
| Urgent Care | $50/visit (deductible does not apply) |
| Ambulance | 20% Deductible applies |
| Prescription Drugs Retail Copays: In-Network (Tiers 1, 2, 3 and 4) |
$10 / $20 / $40 / $80 |
| Prescription Drugs Mail Order Copays: In-Network (Tiers 1, 2, 3 and 4) |
$20 / $40 / $80 / $160 |
| Level of Coverage (You, You + Spouse, You + Child(ren) and You + Family) | $60 / $120 / $110 / $240 |
EyeMed Vision
| Plan Provision | EyeMed Vision (PPO Plan) | EyeMed Vision (Buy – Up PPO Plan) | ||
|---|---|---|---|---|
| In-Network | Out-of-Network Reimbursement | In-Network | Out-of-Network Reimbursement | |
| Routine Eye Exam | $10 copay PLUS Providers: $0 copay |
Up to $50 | $10 copay PLUS Providers: $0 copay |
Up to $50 |
| Eyeglass Frames | $130 allowance; 20% off balance over $130 allowance PLUS Providers: $180 allowance; 20% off balance over $180 allowance |
Up to $98 | $160 allowance; 20% off balance over $160 allowance PLUS Providers: $210 allowance; 20% off balance over $210 allowance |
Up to $112 |
| Contact Lenses | Up to $105 allowance; 15% off balance over $105 allowance PLUS Providers: Up to $155 allowance; 15% off balance over $155 allowance |
Up to $105 | Up to $130 allowance; 15% off balance over $130 allowance PLUS Providers: $180 allowance; 20% off balance over $180 allowance |
Up to $105 |
| Medically Necessary Contact Lenses | No Charge | Up to $210 allowance | No Charge | Up to $210 |
| Standard Contact Fitting | Up to $40 | Not available | Up to $40 | Not available |
| Premium Contact Fitting | 10% off retail price | Not available | 10% off retail price | Not available |
| Eyeglass Lenses | ||||
| Single Vision | $25 copay | Up to $50 | $25 copay | Up to $50 |
| Bifocal | $25 copay | Up to $70 | $25 copay | Up to $70 |
| Trifocal | $25 copay | Up to $90 | $25 copay | Up to $90 |
| Frequency | ||||
| Exams | Every 12 months | Every 12 months | ||
| Lenses | Every 12 months | Every 12 months | ||
| Frames | Every 24 months | Every 12 months | ||
LIMITED PURPOSE FSA
NEW for 2025/2026 Plan Year! Limited Purpose Flexible Spending Account (LPFSA)
You must enroll in the Blue Shield Savings Plus PPO Plan with an HSA to be eligible for Limited Purpose FSA election.
01
Do You Have an HSA?
You may only contribute to a Limited Purpose FSA if you are enrolled in the Blue Shield Savings PPO and an HSA
02
Eligible Expenses*
Qualified dental, vision, and medical expenses (once you’ve provided proof of satisfying the annual medical plan deductible.)
03
How It’s Funded
Paycheck contributions up to $3,300 from June 1, 2025 through May 31, 2026 (or to the maximum indexed amount announced by the IRS for the plan year, if different)
Your annual election amount is made during your enrollment period. You cannot change it unless you have a qualifying life event during the year (such as getting married or having a baby)
Your elected FSA amount is available to you at the beginning of the plan year
04
Unused Funds
You have until August 15th to use funds from the previous Plan Year. Prior year funds that are not claimed prior to the end of August 31st will be forfeited.
05
How to Access
You will receive a debit card issued by HealthEquity that you can use to pay for eligible expenses. Or, you can submit claims for reimbursement for eligible expenses through online, via fax or email.
NEW for 2025/2026 Plan Year! Bank’s Contribution to Health Savings Account (HSA)
You MUST enroll in the Blue Shield Savings Plus PPO Plan to be eligible for enrolling in an HSA
HSA Annual Contribution Regulations
| 2025 Annual Limit | EWB HSA Contribution | Maximum Associate HSA Contribution | |
|---|---|---|---|
| Individual Coverage | $4,300 | Up to $360 | $3,940 |
| Family Coverage | $8,550 | Up to $720 | $7,830 |
| Catch-Up Plan (must be 55-65 years old) | $1,000 | N/A | Extra $1,000 |
Remember!
Investments options are available if your HSA balance is over $1,000
Increased Health Care Flexible Spending Account (HCFSA) and Health Savings Account (HSA) contribution limits: The IRS has increased the annual amount that you can contribute to your HCFSA to $3,300. Remember, the Health Care Flexible Spending Account (HCFSA), Dependent Care Flexible Spending Account (DCFSA), and Health Savings Account (HSA) require you to actively re-enroll each plan year.
new
The Hartford Life, Disability and Leave Administration
The Hartford is replacing New York Life as the Bank’s new carrier.
You have the opportunity to provide additional financial protection for yourself and your family by electing additional life coverage. You can elect voluntary life coverage for yourself up to $250,000 and for your spouse up to $50,000 without completing a medical questionnaire!
