NWFA.jpg

Welcome to the Northwest Financial Associations’ (NWFA) Employee Benefits Trust! The Trust offers a full range of employee benefit programs and services to help meet the needs of your Financial Institution. In addition to our product offerings, we pride ourselves on providing excellent service to our clients and their employees.

 

TO REQUEST A QUOTE OR FOR MORE INFORMATION

 

Please contact the association team at DiMartino Associates:

 

DiMartino Associates

Phone: 206-623-2430

nwfa@dimarinc.com

 

WASHINGTON

 

Benefits Program Information

Membership Information  |  2022 Plan Menu  |  2023 Plan Menu |  Quote Checklist  Quote Census Template 
Non-Bank Membership Information  Contact List   SPD

 

New Groups Setup Paperwork

New Group Setup Checklist  2022 Group Master Application   2022 Employee Enrollment Form 
2023 Group Master Application  
2023 Employee Enrollment Form 
Enrollment Census Template  
EFT Authorization Form   SIMON Access Request Form

 

Medical Plan Information | Premera

2022 Premera Dual Choice Matrix

_______________________________________

_______________________________________

Medical Plan Highlights

Effective January 1, 2023 – December 31, 2023

Heritage Network

EPO 90|400      PPO 80|400      PPO 80|600     PPO 80|850      PPO 80|1100      PPO 80|1500

PPO 80|2000      PPO 80|2600      PPO 80|3400     PPO 80|5500      PPO 70|3000      PPO 70|4000

PPO 70|5000      PPO 70|6000      HSA 80|1500     HSA 80|2500      HSA 80|5000      PPO 100|8550

 

Heritage Prime Network

PPO 80|400      PPO 80|600      PPO 80|850     PPO 80|1100      PPO 80|1500      PPO 80|2000

PPO 80|2600   PPO 80|3400   PPO 80|5500     PPO 70|3000      PPO 70|4000      PPO 70|5000

PPO 70|6000      HSA 80|1500      HSA 80|2500     HSA 80|5000      PPO 100|8550

Medical Plan Summaries (SBCs)

Effective January 1, 2023 – December 31, 2023

Note: SBCs are not network specific

 

EPO 90|400      PPO 80|400      PPO 80|600     PPO 80|850      PPO 80|1100      PPO 80|1500

PPO 80|2000      PPO 80|2600      PPO 80|3400     PPO 80|5500      PPO 70|3000      PPO 70|4000

PPO 70|5000      PPO 70|6000      HSA 80|1400     HSA 80|2500      HSA 80|5000      PPO 100|8550

_______________________________________

 

Medical Plan Highlights

Effective January 1, 2022 – December 31, 2022

Plus Network

EPO 90|400      PPO 80|400      PPO 80|600     PPO 80|850      PPO 80|1100      PPO 80|1500

PPO 80|2000      PPO 80|2600      PPO 80|3400     PPO 80|5500      PPO 70|3000      PPO 70|4000

PPO 70|5000      PPO 70|6000      HSA 80|1400     HSA 80|2500      HSA 80|5000      PPO 100|8550

 

Prime Network

PPO 80|400      PPO 80|600      PPO 80|850     PPO 80|1100      PPO 80|1500      PPO 80|2000

PPO 80|2600   PPO 80|3400   PPO 80|5500     PPO 70|3000      PPO 70|4000      PPO 70|5000

PPO 70|6000      HSA 80|1400      HSA 80|2500     HSA 80|5000      PPO 100|8550

Medical Plan Summaries (SBCs)

Effective January 1, 2022 – December 31, 2022

Note: SBCs are not network specific

 

EPO 90|400      PPO 80|400      PPO 80|600     PPO 80|850      PPO 80|1100      PPO 80|1500

PPO 80|2000      PPO 80|2600      PPO 80|3400     PPO 80|5500      PPO 70|3000      PPO 70|4000

PPO 70|5000      PPO 70|6000      HSA 80|1400     HSA 80|2500      HSA 80|5000      PPO 100|8550

 

Medical Plan Booklets

Effective January 1, 2022 – December 31, 2022

Plus Network

EPO 90|400      PPO 80|400      PPO 80|600     PPO 80|850      PPO 80|1100      PPO 80|1500

PPO 80|2000      PPO 80|2600      PPO 80|3400     PPO 80|5500      PPO 70|3000      PPO 70|4000

PPO 70|5000      PPO 70|6000      HSA 80|1400     HSA 80|2500      HSA 80|5000      PPO 100|8550

Prime Network

PPO 80|400      PPO 80|600      PPO 80|850     PPO 80|1100      PPO 80|1500      PPO 80|2000

PPO 80|2600   PPO 80|3400   PPO 80|5500     PPO 70|3000      PPO 70|4000      PPO 70|5000

PPO 70|6000      HSA 80|1400      HSA 80|2500     HSA 80|5000      PPO 100|8550

 

 

_______________________________________

Medical Plan Information | Kaiser 

 

Benefit Summaries

HMO 90|500     HMO 80|750     HMO 80|1000     HMO 80|1500     HMO 80|2000
 

HMO 80|3000     HMO HSA 80|1500     HMO HSA 80|2500     HMO HSA 80|4500    

Summary of Benefit Coverages

HMO 90|500     HMO 80|750     HMO 80|1000     HMO 80|1500     HMO 80|2000

HMO 80|3000     HMO HSA 80|1500     HMO HSA 80|2500     HMO HSA 80|4500

     
 

 

Benefit Booklets

HMO 90|500       HMO 80|750       HMO 80|1000       HMO 80|1500

 

 

_______________________________________

2023 Dental Plan Information

Groups of 1-59 covered employees:
Employer may offer in any combination, 1 DDW plan* + the Willamette Dental plan.

Groups of 50+ covered employees:
Employer may offer in any combination, 2 DDW plans* + the Willamette Dental plan.

 

*If offering dual choice, a minimum of 10 employees must be enrolled in the DDW plan

 

2023 Delta Dental of Washington (DDW)

Discount Program Flyer

Dental Summaries

Plan A (Incentive)      Plan B (Incentive)      Plan C     Plan D      Plan E      Plan F

2023 Dental Summaries With Ortho

Plan A (Incentive)+Ortho      Plan B (Incentive)+Ortho      Plan C+Ortho

Plan D+Ortho      Plan E+Ortho      Plan F+Ortho

_______________________________________

2022 Dental Plan Information

Groups of 1-59 covered employees:
Employer may offer in any combination, 1 DDW plan* + the Willamette Dental plan.

Groups of 50+ covered employees:
Employer may offer in any combination, 2 DDW plans* + the Willamette Dental plan.

 

*If offering dual choice, a minimum of 10 employees must be enrolled in the DDW plan

 

2022 Delta Dental of Washington (DDW)

Dental Summaries

Plan A (Incentive)      Plan B (Incentive)      Plan C     Plan D      Plan E      Plan F

Orthodontia Rider

2022 Dental Summaries With Ortho

Plan A (Incentive)+Ortho      Plan B (Incentive)+Ortho      Plan C+Ortho

Plan D+Ortho      Plan E+Ortho      Plan F+Ortho

Willamette Dental

 

Willamette Dental Summary

 

Vision | VSP

Vision Summaries

Vision Plan 1      Vision Plan 2      Vision Plan 3      Vision Plan 4

 

Employee Assistance Program

If the employer has selected medical coverage through The Trust, all employees are automatically enrolled in the First Choice EAP – 3 Visit model. An employer may elect to Buy-Up to the First Choice Enhanced EAP – 5 Visit model at an additional cost.

 

Basic Plan      Enhanced Plan

 

Group Life/AD&D, STD & LTD – Standard Insurance

100% of eligible employees must participate

 

Life/AD&D Summaries

Plan 1 – 1 X Annual Salary to $300K       Plan 2       Plan 2.5       Plan 3       Plan 5       Plan 6       Plan 7

 

STD Plan Summaries

Plan 1       Plan 2

 

LTD Plan Summaries

Plan 1       Plan 2       Plan 3       Plan 4       Plan 5       Plan 6

 

Voluntary Life/AD&D – Standard Insurance

Life Summary

Employee: 5 X Annual Salary to $300,000; Guarantee Issue $80,000

Spouse: 50% of Employee Election to $150,000; Guarantee Issue $20,000

Children: 50% of Employee Election: $5,000 or $10,000; All Guarantee Issue

AD&D Summary

Employee: 10 X Annual Salary to $500,000

If dependents are elected, the amount of insurance will be as follows:

Spouse Only: 50% of Employee amount

Children Only: 20% of Employee amount for each child

Spouse & Children: 50% of Employee for Spouse, 5% of Employee for each child