Spokane Workers Coop Benefits - Effective 10/1/23
Why am I Here?
Spokane Workers Cooperative has a benefits program! Health, dental, vision, accident, & disability insurance are available to full time employees. Please review this website then click "Make Benefits Election" to either choose a plan or waive coverage for the year. If you have questions, click "Schedule a Benefits Discussion" to ask specific questions.
You also pay for these benefits pre-tax, which is a 20-50% savings! Pre-Tax Deductions
We curated 2 health insurance options that will be available thru Kaiser Permanente
The dental, vision, disability, and accident insurance are through the US Federation of Worker Cooperatives Plan combining many employers to get a better deal! They're excellent coverages that most individuals and smaller companies can't get.
You also pay for these benefits pre-tax, which is a 20-50% savings! Pre-Tax Deductions
We curated 2 health insurance options that will be available thru Kaiser Permanente
The dental, vision, disability, and accident insurance are through the US Federation of Worker Cooperatives Plan combining many employers to get a better deal! They're excellent coverages that most individuals and smaller companies can't get.
Helpful Numbers
Benefits Company: Diversified Human Solutions - 267-948-7290
Kaiser Permanente: 800-297-6877
Delta Dental of WA: 800-554-1907
Colonial Disability & Accident Insurance: 800-325-4368
Kaiser Wellness Coaching: 866-862-4295
Kaiser Permanente: 800-297-6877
Delta Dental of WA: 800-554-1907
Colonial Disability & Accident Insurance: 800-325-4368
Kaiser Wellness Coaching: 866-862-4295
Health Insurance
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance after 60 days of full time employment (32 hours per week). After 60 days, you can make your benefit elections and will be enrolled on the first day of the following month.
To Enroll, click "Make Benefits Election"
Spokane Workers Cooperative will cover 80% of the premiums the cost of your health insurance and 50% of the premium costs for your dependents! Any additional amounts are paid "above the line" pre-tax via payroll deductions.
To Enroll, click "Make Benefits Election"
Spokane Workers Cooperative will cover 80% of the premiums the cost of your health insurance and 50% of the premium costs for your dependents! Any additional amounts are paid "above the line" pre-tax via payroll deductions.
What is the Health Insurance?
How to Shop for Health Insurance
The health insurance is through Kaiser Permanente of Washington. There are 2 plan options, the Core Visits Plus Gold LX and the Access PPO Visits Plus Platinum. The Gold plan is an HMO with a smaller network, but costs less than the Platinum plan. The Platinum plan costs more but your out of pocket costs will be capped at $4000 ($8000 if you have dependents). Note the "Out of Pocket Maximum" on the benefit summaries in this section of this webpage.
Find an In-Network Doctor
For the Gold Plan select "Core" as your network. For the Platinum Plan select "Access PPO" as your network.
The health insurance is through Kaiser Permanente of Washington. There are 2 plan options, the Core Visits Plus Gold LX and the Access PPO Visits Plus Platinum. The Gold plan is an HMO with a smaller network, but costs less than the Platinum plan. The Platinum plan costs more but your out of pocket costs will be capped at $4000 ($8000 if you have dependents). Note the "Out of Pocket Maximum" on the benefit summaries in this section of this webpage.
Find an In-Network Doctor
For the Gold Plan select "Core" as your network. For the Platinum Plan select "Access PPO" as your network.
Other Health Insurance Benefits & Services
Health Insurance Claim Forms, ID Cards, EOB's
Health Insurance Benefit Summary
Health Insurance Rates & Payroll Deductions - 10/1/2023
Spokane Workers Cooperative will cover 80% of the premiums the cost of your health insurance and 50% of the premium costs for your dependents!
Payroll Deductions for You
Payroll Deductions for Dependents
Payroll Deductions for You
Payroll Deductions for Dependents
Non Health Insurance
Dental Benefits: Through Delta Dental of Washington
2023-24 Dental Benefit Summary
Dental Benefits Brochure
Dentist Search - Choose PPO Plus Premier Network
Where's my ID Card? (Must register with "MySmile")
Delta Dental of WA: 1-800-554-1907
Bi-Monthly Payroll Deductions Employee: $4.06 Couple: $14.20 Employee + Children: $19.32 Family: $35.59
Dental Benefits Brochure
Dentist Search - Choose PPO Plus Premier Network
Where's my ID Card? (Must register with "MySmile")
Delta Dental of WA: 1-800-554-1907
Bi-Monthly Payroll Deductions Employee: $4.06 Couple: $14.20 Employee + Children: $19.32 Family: $35.59
Vision Benefits: Through Through Kaiser Permanente
Find an Eye Doctor: Choose "Eyecare" Category.
Routine Eye Exams require a copay equal to your Primary Card Doctor copay.
There is a flat $100 benefit for glasses / contacts per year. There is no limit for children under 18
Other Benefits
AblePay Discounts
Sign Up for AblePay Discounts
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
Other Kaiser Benefits & Services