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
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WASHINGTON
Benefits Program Information
Membership Information | 2024 Plan Menu | 2025 Plan Menu
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Quote Checklist | Quote Census Template
Non-Bank Membership Information | Contact List | SPD
Medicare Part D 2024 Cover Letter | Medicare Part D 2024 Creditable Coverage Status
New Groups Setup Paperwork
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2024 Group Master Application | 2025 Group Master Application
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2024 Employee Enrollment Form | 2025 Employee Enrollment Form
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2024 Voluntary Coverages | 2025 Voluntary Coverages
Enrollment Census Template | EFT Authorization Form | SIMON Access Request Form
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Medical Plan Information | Premera Blue Cross & Premera Blue Cross HMO
2025 Premera Dual Choice Matrix
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Medical Plan Highlights
Effective January 1, 2025 – December 31, 2025
Note: Plan Highlights are not network specific
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Heritage Network
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EPO 90|400 PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500
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PPO 80|2000 PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000
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PPO 70|5000 PPO 70|6000 PPO 100|8550 HSA 80|1700 HSA 80|2500 HSA 80|5000
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HMO 80|1000 HMO 80|2000 HMO 80|3000 HMO 80|4000 HMO 70|5000
​​​Medical Plan Summaries (SBCs)
Effective January 1, 2025 – December 31, 2025
Note: SBCs are not network specific
EPO 90|400 PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500
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PPO 80|2000 PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000
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PPO 70|5000 PPO 70|6000 PPO 100|8550 HSA 80|1400 HSA 80|2500 HSA 80|5000​
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HMO 80|1000 HMO 80|2000 HMO 80|3000 HMO 80|4000 HMO 70|5000​​​
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Medical Plan Information | Premera Blue Cross & Premera Blue Cross HMO
2024 Premera Dual Choice Matrix
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​​​Medical Plan Highlights
Effective January 1, 2024 – December 31, 2024
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EPO 90|400 PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500
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PPO 80|2000 PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000
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PPO 70|5000 PPO 70|6000 PPO 100|8550 HSA 80|1600 HSA 80|2500 HSA 80|5000
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HMO 80|1000 HMO 80|2000 HMO 80|3000 HMO 80|4000 HMO 70|5000
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Medical Plan Summaries (SBCs)
Effective January 1, 2024 – December 31, 2024
Note: SBCs are not network specific
EPO 90|400 PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500
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PPO 80|2000 PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000
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PPO 70|5000 PPO 70|6000 PPO 100|8550 HSA 80|1600 HSA 80|2500 HSA 80|5000
HMO 80|1000 HMO 80|2000 HMO 80|3000 HMO 80|4000 HMO 70|5000
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Medical Plan Booklets(
Effective January 1, 2024 – December 31, 2024
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Heritage Network
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EPO 90|400 PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500
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PPO 80|2000 PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000
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PPO 70|5000 PPO 70|6000 PPO 100|8550 HSA 80|1400 HSA 80|2500 HSA 80|5000
Sherwood HMO Network
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HMO 80|1000 HMO 80|2000 HMO 80|3000 HMO 80|4000 HMO 70|5000
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Heritage Prime Network
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PPO 80|400 PPO 80|600 PPO 80|850 PPO 80|1100 PPO 80|1500 PPO 80|2000
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PPO 80|2600 PPO 80|3400 PPO 80|5500 PPO 70|3000 PPO 70|4000 PPO 70|5000
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PPO 70|6000 PPO 100|8550 HSA 80|1500 HSA 80|2500 HSA 80|5000 ​
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Medical Plan Information | Kaiser Permanente​
____________________*2025*____________________
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Medical Plan Information | Kaiser
Benefit Summaries [Coming Soon]
HMO 90|500 HMO 80|750 HMO 80|1000 HMO 80|1500 HMO 80|2000
HMO 80|3000 HMO HSA 80|1650 HMO HSA 80|2500 HMO HSA 80|4500
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Summary of Benefit Coverages
HMO 90|500 HMO 80|750 HMO 80|1000 HMO 80|1500 HMO 80|2000
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HMO 80|3000 HMO HSA 80|1650 HMO HSA 80|2500 HMO HSA 80|4500
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____________________*2024*____________________​
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
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Summary of Benefit Coverages
HMO 90|500 HMO 80|750 HMO 80|1000 HMO 80|1500 HMO 80|2000
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HMO 80|3000 HMO HSA 80|1500 HMO HSA 80|2500 HMO HSA 80|4500​
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____________________*Dental*____________________
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2025 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
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2025 Dental Summaries
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Plan A (Incentive) Plan B (Incentive) Plan C Plan D Plan E Plan F
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2025 Dental Summaries With Ortho
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Plan A (Incentive)+Ortho Plan B (Incentive)+Ortho Plan C+Ortho
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Plan D+Ortho Plan E+Ortho Plan F+Ortho
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2025 Dental Booklets [Coming Soon]
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Plan A Plan B Plan C Plan D Plan E Plan F
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2025 Willamette Dental
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Vision | VSP
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Vision Summaries
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Vision Plan 1 Vision Plan 2 Vision Plan 3 Vision Plan 4
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Employee Assistance Program
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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.
Group Life/AD&D, STD & LTD | Standard Insurance
100% of eligible employees must participate
Life/AD&D Summaries
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Plan 1 – 1 X Annual Salary to $300K Plan 2 Plan 2.5 Plan 3 Plan 5 Plan 6 Plan 7
STD Plan Summaries
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LTD Plan Summaries
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Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
Voluntary Life/AD&D – Standard Insurance
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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
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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
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Worksite and Legal – MetLife Insurance
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MetLife - 2024 Voluntary Accident Summary
MetLife - 2024 Voluntary Critical Illness Summary