Joining a Multi-Employer Health Plan

Washington Counties
Insurance Fund
Joining a Multi-Employer Health Plan – What to Consider
Presented by Jon Kaino, Executive Director, WCIF
The Washington Counties Insurance Fund (WCIF) was
established in 1958 by the Washington State
Association of Counties.
WCIF provides coverage for over 100 participating
employer groups and 15,000 member employees
plus their dependents, as well as providing coverage
for our members’ retirees and COBRA participants.
About WCIF
Association Health Plan (AHP)
Group of employers joining together to provide
employee health & welfare benefits
Health Care Reform mandates Multi-Employer
plans to meet specific requirements to maintain
rating status
What is a Multi-Employer Health
 Criteria to be considered a “True Employer Health
& Welfare Benefit Plan aka “bonafide” plan
 Determination made by OIC, DOL, and HHS
 Bonafide plans maintain large group rating and
plan design flexibility
 WCIF determined to be bonafide by the OIC
Impact of Health Care Reform on
Multi-Employer Health Plans
Purchasing power of a larger group
Greater rate stability of a larger group
Large claims have less impact on premiums
Benefits of Multi-Employer Plans Rates
 Self-governance provides for member input and
decision making authority
 Plans designed to fit membership
 Participating employers and their employees have
more plan choices
 All benefits available – one stop shop for medical,
dental, vision, life, disability and EAP
Benefits of Multi-Employer Plans Flexibility
 Combined billing, online eligibility and enrollment
 Free training for employer HR/payroll staff
 Compliance information and direction (PPACA, HIPAA, etc.)
 On-site open enrollment for employees
 COBRA and Retiree plan administration
 Service and advocacy
 Wellness administration
 Reduced staff workload
Benefits of Multi-Employer Plans Administration
Employer demographic may not be conducive to
some plans
Public demographic is generally older (recession
Withdrawal notice requirements can be rigid
Potential Drawbacks to Joining a
Multi-Employer Plan
Multi-Employer Health plans provide many services and
product choices that may not be available on individual
employer plans.
They also provide a degree of purchasing power and rate
stability not available to many small to medium size
May not always be the lowest rate, but could be the best
long term value.
The size, demographic, health and location of your group are
all determining factors in deciding if a Multi-Employer Plan is
right for your group.
Thank you for your time
For more information, please
contact the WCIF office at:
or visit us online at:

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