Benefit Experts
The local picture

Hiring next to a hospital district and a tribe.

Sequim is Clallam County's second largest city. The Jamestown S'Klallam Tribe, based at Blyn on Sequim Bay, employs more than 800 people in the county across its government, clinics, 7 Cedars resort properties and other businesses. Only Olympic Medical Center employs more.

Health care is a large share of the local job market. Jamestown Family Health Clinic on North 5th Avenue serves tribal citizens and the wider community, and Olympic Medical Center has a Sequim campus on the same street. A clinic, dental office or home care agency in Sequim is hiring from the same pool.

Retail, construction, hospitality and Pacific Northwest National Laboratory's marine research lab round out the employer list. For small employers in that mix, the benefits question is usually how to offer something credible on a modest budget.

Plan design

Three decisions for Sequim employers.

Employees 65 and older

If your company had 20 or more employees on each working day in 20 or more weeks of this year or last, your group plan pays first for active employees 65 and older, and Medicare pays second. Below that size, Medicare generally pays first, and an employee who skips Part B can be left with large gaps. Check before anyone declines Medicare.

Competing for clinical staff

Nurses and medical assistants compare your offer with the hospital district's and the tribe's. A family contribution, a quick coverage start, and dental and vision are what they notice first. See our medical and dental practices page.

A modest budget

If group medical is out of reach this year, a health reimbursement arrangement or voluntary benefits can be a start. Compare the options using the same census.

Home and work access

Local clinics first, then the referral trip.

Care in Sequim

Jamestown Family Health Clinic and Olympic Medical Center's Sequim campus sit on North 5th Avenue, with OMC's hospital in Port Angeles. These examples establish locations, not plan participation. Confirm the exact clinic and clinician in each network.

Care beyond the peninsula

Some specialist care means a trip to Silverdale, Tacoma or Seattle. Check how each plan handles those referrals. Our Port Angeles page covers out-of-area questions for the wider peninsula.

Sequim employer questions

What Sequim employers ask.

An employee is turning 65. Should they drop our plan?

Not automatically. Whether your plan or Medicare pays first depends on your company's size, and the costs of each route differ. Employees should get Medicare advice before declining Part B, and we can explain how your plan coordinates.

Can a small shop offer an HRA instead of a group plan?

Yes. Employers with fewer than 50 full-time equivalent employees can offer a QSEHRA, which reimburses individual coverage and medical costs up to annual IRS limits. An ICHRA is another option at any size.

Which rating area is Clallam County in?

Clallam shares a rating area with Cowlitz, Grays Harbor, Jefferson, Kitsap, Lewis, Pacific and Wahkiakum counties. Your principal business address sets it. Networks still vary by carrier.

Quote your Sequim group.

Send a census. We will check the North 5th Avenue clinics and explain how Medicare coordinates for older staff.