Health Insurance Now Available to RCAW Members

By Mai Ling Slaughter.

Tips to help you prepare for open enrollment.

With open enrollment here for many Washington companies, you may be wondering about some of the choices you will have to make about your health care. The CleanTech Alliance Health Trust – which offers employee benefits for RCAW members – is here to help with some common health plan terms.

PPO versus health plan with HSA

Are you trying to choose between a preferred provider organization (PPO) plan and a high-deductible health plan with a health saving account (HSA)?

  • Consider a plan with an HSA if… You want to lower your taxable income while saving for future healthcare expenses. The HSA is flexible: You can take the account with you if you leave the company for any reason, and you can start or stop your contributions at any time.
  • Consider a PPO plan if… You want to manage your care with the least amount of effort. There are no claims or IRS tax forms to file and no HSA to manage.
  • Consider a PPO plan or a plan with an HSA if… You want preventive care services at no cost. The CleanTech Alliance Health Trust offers medical coverage with partner Premera Blue Cross, which covers preventive care at no additional cost for services such as annual checkups and routine screenings.

Before making a final decision, consider:

  • Your anticipated medical expenses for the coming plan year
  • If you have money set aside to pay out-of-pocket expenses if you need care
  • How important it is for you to have the flexibility to see any provider you choose
  • The amount of money you are comfortable paying per paycheck

Please note, this information is not intended to be tax or legal advice. Consult your own tax advisor to determine any tax implications of a health plan with an HSA.

Learn more about the CleanTech Alliance Health Trust

The CleanTech Alliance Health Trust is available to RCAW members through a partnership with the CleanTech Alliance. This exclusive program offers affordable, comprehensive employee benefits to companies based in Washington state that develop products and services in the energy, environmental and construction and building sciences industries with as few as two enrolled employees. Plan options from trusted regional and national providers include: 

  • Medical from Premera Blue Cross
  • Dental from Delta Dental of Washington
  • Vision from VSP Vision Care Inc.
  • Life, Disability and Accidental Death from Unum
  • Employee Assistance Program from Wellspring EAP
  • Identity Protection from Allstate Identity Protection

To learn more about the diverse benefits available for the 2024 plan year, please download the RCAW-CleanTech Alliance Health Trust Flyer.

Contact Us

CleanTech Alliance Health Trust 
CleanTechAlliance.org/Health-Trust
 
(206) 602-3558 
Nathan.Edmondson@advprofessionals.com
 
VP, Sales Manager, Advanced Professionals Insurance & Benefit Solutions

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