To enroll in Health Partners of Northern CA, or change health plans, eligible employees may sign up at any annual open enrollment. The only other time you may make changes to your benefits throughout the calendar year is if you have a Life Event. Refer to the Employee Benefits Policy for information regarding Life Events. If you are not making any changes to your health insurance plans for the year, you will not be required to complete an enrollment.
Health Partners of Northern CA offers both an EPO (Exclusive Provider Organization) and an HDHP (High Deductible Health Plans). The plan you participate in determines your specific benefits. To get the most value from your benefit plan, we encourage you to take the time to review and understand your options.
The EPO plan requires higher employee premiums, but has no deductible for most services so the plan starts paying benefits earlier than the HDHP. You are not eligible for an HSA or HSA employer contributions if you participate in the EPO.
The HDHP (High Deductible Health Plan) features lower employer premiums and a higher annual plan deductible. The HDHP is offered along with a Health Savings Account (HSA) to which both you and your employer may make pre-tax contributions. Funds deposited into your HSA may be used to pay deductibles and other eligible expenses if you participate in the HDHP. Unused funds in your HSA roll-over from year to year and may be used for your future years’ medical expenses.