To ensure you continue receiving Healthcare Cost Assistance, please remember to:

• Turn in your timesheets and/or payroll vouchers every pay period.
• Avoid recording 0 hours of work for 2 months in a row. Going 2 months in a row with no work could cause you to lose your Carewell SEIU 503 benefits, including Healthcare Cost Assistance. In this case, you would still have your Marketplace insurance plan, but you would have to start paying for premiums yourself or look for alternative coverage like the Oregon Health Plan.
• Keep your personal information up to date with Carewell SEIU 503 and your employer.
• Submit the Healthcare Cost Assistance Benefits Request Form every year you are eligible for this benefit.
• Pay your monthly premium to your insurance carrier on time, and monitor your premium payments. Your carrier may terminate your insurance plan if payments are missed.
• Report to the Marketplace any change in your information within 60 days. We’re here to help with this. Just call 1-844-503-7348 for assistance.
• Stay current on your tax filing.

The fastest way to get your reimbursement is by completing the following forms online!

Medical Premium Reimbursement Claim Form

Use the Medical Premium Reimbursement Claim Form for:

• Premium reimbursements if you are enrolled with family members on your plan. You can only claim the portion of your premium equal to your individual coverage if you are enrolled in an approved plan on a Health Insurance Marketplace. If you need help calculating your individual premium amount, contact your insurance carrier or Valley Insurance Professionals (503-480-0499 ext. 7). Please submit this form and a copy of your premium bill each month.
• You are eligible to receive a temporary Healthcare Cost Assistance benefit for a non-approved plan on a Health Insurance Marketplace.

Ameriflex Reimbursement Claim Form

Ameriflex Reimbursement Claim Form (Online)

Use the Ameriflex Reimbursement Claim Form to claim reimbursement for:

• Covered Medical Out-of-Pocket expenses if you paid with your own funds. For instance, if you paid for a prescription medication out-of-pocket because you didn’t have your Benefit Convenience Card with you at the time.
• Covered Medicare Out-of-Pocket expenses if you paid with your funds. For instance, if you paid for a prescription medication out-of-pocket because you didn’t have your Benefit Convenience Card with you at the time.
• Medical Monthly Premium – net monthly premium for qualifying individual plans purchased through the Marketplace (not family plan, not average premium reimbursement).

Losing Carewell SEIU 503 benefits does not mean you’re losing your health insurance coverage! But at the end of your grace period month, your Benefit Convenience Card (BCC) will be turned off and you will have to start paying your own premiums and out-of-pocket medical expenses.

Don’t throw away your BCC!  If you become eligible for Healthcare Cost Assistance benefits again, you’ll be able to use your card again.

Remember! If you set up automatic payment with your health insurance carrier, you’ll need to contact your carrier to update your payment information. See below for contact information for insurance carriers (like Kaiser Permanente, Regence, or Providence).

If you have coverage through a Marketplace plan:

• Make your premium payments on time, or you may lose coverage for not making a payment. Losing eligibility for Healthcare Cost Assistance is not a Qualifying Life Event, so you may need to wait until the next Open Enrollment to enroll in health insurance.
• Update your Marketplace application if your income has changed.

If your income is lower because you lost work hours, you may become eligible for Medicaid coverage. You can apply any time of the year for:

• Oregon Health Plan (OHP) in Oregon — click here to go to website.
• Apple Health in Washington — click here to go to website.

If you have a Marketplace plan

You’ll have to fill out the  Healthcare Cost Assistance Benefits Request Form to let us know about your plan and your premiums. We also recommend you call 1-844-503-7348 to ensure your Healthcare Cost Assistance (HCA) benefits start again without delays.

If you kept your Benefit Convenience Card (BCC)

You should still be able to use your card once you have submitted the Healthcare Cost Assistance Benefits Request form with supporting documents and it has been approved, unless the expiration date on the front of your card has passed. Please note that Ameriflex, the BCC Administrator, issued new cards in July 2022. If you received your BCC before that date, it is no longer valid, regardless of its expiration date.

If you don’t have a valid BCC, call Carewell SEIU 503 at 1-844-503-7348 to order a new card.

If you have no medical coverage

You may not be able to enroll in a medical insurance plan on the Health Insurance Marketplace until Open Enrollment, unless you qualify for a Special Enrollment Period. Open Enrollment usually begins on November 1 for coverage the following year. Until you enroll in an approved plan on the Marketplace, you would not be able to receive Healthcare Cost Assistance benefits.

You may qualify for temporary Healthcare Cost Assistance if you became eligible for Carewell SEIU 503 benefits after the end of the last Open Enrollment period and you are enrolled in a non-approved plan on a Health Insurance Marketplace. In that case, you would receive a Benefit Convenience Card to pay covered out-of-pocket expenses. You may also be eligible for temporary reimbursement of your premiums.

To continue receiving Healthcare Cost Assistance after the end of the year, you must enroll in an approved plan as soon as you can and no later than Open Enrollment (between November 1 and December 15). Otherwise, your Healthcare Cost Assistance will stop at the end of the calendar year.

To check if you qualify for temporary Healthcare Cost Assistance benefits, call 1-844-503-7348.

Your net premium is the monthly amount that you must pay to your insurance company to maintain your insurance. For example, if your gross premium (the full cost of the premium from your insurance carrier) is $500 per month and your Advance Premium Tax Credit or APTC (the financial assistance from the federal government) is $200 per month, your net premium would be $300 per month.

Your Benefit Convenience Card works just like a regular credit card, with 2 important differences:

1. Your card is limited in use, meaning you can only use it for the covered expenses listed under “What can I use the Benefit Convenience Card to pay for?”

2. You cannot use your card at an ATM or to obtain cash back when making a purchase.

There are two accounts on your Benefit Convenience Card. One account is preloaded with the annual amount for paying medical and prescription copays, deductibles, and coinsurance expenses for covered services and prescriptions. In 2024, that amount is $7,165, but this may change from year to year. The other account is preloaded with the amount necessary to pay your net monthly premium: the portion of your individual health insurance premium that is not covered by your federal advance premium tax credit (APTC).

• Your net monthly premium bill for an approved Marketplace plan.
• The deductible applicable to your Marketplace plan. A deductible is the amount you must pay for the services that your insurance plan covers before your insurer begins to pay. 
• The copayments for medical services and prescriptions covered by your approved Marketplace plan. A copayment (or copay) is a fixed amount your insurance plan may require you to pay, and is usually due at the time that you receive the service or prescription. 
• The coinsurance for medical services and prescriptions covered by your approved Marketplace plan. Coinsurance is a percentage of the costs you must pay for services your insurance plan covers. Cost sharing may range from 20% to 50% of a covered service, depending on your insurance plan. For example, if your insurance plan has an “80/20” coinsurance arrangement, this means that, after you pay any deductible, your insurance company will pay 80% of the cost of the covered medical expense and you must pay the remaining 20%. 

The Advance Premium Tax Credit (APTC) is a tax credit issued by the federal government that you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace. Your tax credit is based on the income estimate and household information you put on your Marketplace application. If your estimated income falls between 100% and 400% of the Federal Poverty Line, you qualify for a premium tax credit.

During these in-person events, the Carewell Benefits team and our insurance partners, Valley Insurance Professionals, review how Healthcare Cost Assistance benefits work when you choose a Carewell-approved plan on the Marketplace.  

You can: 

• Learn about the approved health insurance plans for 2025 
• See how Advance Premium Tax Credits (APTC) work to reduce your premium
• Get support in enrolling in an approved health (medical) insurance plan on the Marketplace 
• Check your eligibility for Healthcare Cost Assistance benefits that cover your net monthly health (medical) insurance premiums and up to $7165 in out-of-pocket medical costs in 2025.

Click here for more information!  

All plans offered in the Marketplace cover these 10 essential health benefits:

• Prescription drugs
• Laboratory services
• Outpatient care you get without being admitted to a hospital
• Preventive and wellness services and chronic disease management 
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
• Pregnancy, maternity, and newborn care (both before and after birth)
• Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)