Changes To SEBB Benefits For 2023 - Hca.wa.gov
School Employees Benefits Board (SEBB) ProgramOctober 2022Open enrollment is October 31 to November 21Changes to SEBB benefits for 2023All changes are effective January 1, 2023, unless otherwise noted. For 2023monthly premiums, see page 3. Learn more about the changes listedbelow and other changes on the Open enrollment webpage at hca.wa.gov/sebb-oe.Change to all health plansLimit the amount members will pay to no more than 35 per month forcovered insulin to comply with insulin affordability legislation.Important datesEarly OctoberAnnual open enrollment informationis available on the Open enrollmentwebpage at hca.wa.gov/sebb-oe. Getthe schedule for webinars to help youlearn about your options.The SEBB virtual benefits fair isopen 24/7 at hca.wa.gov/vbf-sebb.October 31Kaiser Permanente Northwest (KPNW) will: Increase the maximum out-of-pocket amounts for the NW 1, 2, and 3plans as follows: NW 1 plan to 4,500 for a single subscriber and 9,000 for all othersubscribers. NW 2 plan to 4,000 for a single subscriber and 8,000 for all othersubscribers. NW 3 plan to 2,500 for a single subscriber and 5,000 for all othersubscribers. Transfer certain accumulators, such as deductibles and out-of-pocketlimits, for the existing plan year when subscribers and their enrolleddependents change between the SEBB Program and the PublicEmployees Benefits Board Program during a special open enrollmentand stay with KPNW. This does not apply to the consumer-directedhealth plan. Introduce Advanced Care at Home, which will offer members achance to recover at home rather than in a hospital when clinicallyappropriate.Kaiser Permanente Washington (KPWA) and KaiserPermanente Washington Options (KPWA Options) will: Transfer certain accumulators, such as deductibles and out-of-pocketlimits, for the existing plan year when subscribers and their enrolleddependents change between the SEBB Program and the PublicEmployees Benefits Board (PEBB) Program during a special openenrollment and stay with KPWA. Accumulator transfers apply to KPWAonly. KPWA Options is not available to the PEBB Program. Replace the KPWA Options Access Preferred Provider Organization(PPO) plans with the new Summit PPO plans. Island, Lewis, Mason,Skagit, and Whatcom counties will not be included in the Summit PPOplans’ service area. (See Some plans are changing on page 5.)Continued on next pageHCA 20-0119 (10/22)Annual open enrollment beginsfor coverage in 2023. Use SEBB MyAccount at myaccount.hca.wa.govto make changes. Forms are posted athca.wa.gov/sebb-oe.November 1 to 10In-person benefits fairs are scheduledat eight locations around the state.Look for the one nearest you onpage 4 and get more details athca.wa.gov/sebb-fairs.November 2Tune in for a Facebook LiveQ&A about open enrollmentat 4 p.m. at facebook.com/wahealthcareauthority.November 21Last day to enroll or make changes toyour account. Open enrollment closesat 11:59 p.m.November 30Last day for most subscribers toqualify for the SmartHealth 125wellness incentive for 2023 (if you’reeligible) at smarthealth.hca.wa.gov.January 1, 2023New plan year begins. Openenrollment changes become effective.
Continued from previous page Implement the First Fill program for maintenancedrugs only, which allows the first prescription tobe filled at any in-network pharmacy. Subsequentrefills must be filled via mail order or at a KaiserPermanente retail pharmacy. Introduce Advanced Care at Home, which will offermembers a chance to recover at home rather thanin a hospital when clinically appropriate.Premera Blue Cross will: No longer offer the Peak Care Exclusive ProviderOrganization (EPO) as a plan option. Introduce the Premera Health MaintenanceOrganization (HMO) plan as a new plan option for2023. (See Some plans are changing on page 5.) Increase pharmacy cost-shares in the preferredprovider organization (PPO) plans: High PPO: generic, preferred, nonpreferred, andspecialty pharmacy cost-shares. Standard PPO: generic pharmacy copay. Allother cost-shares will stay the same. Increase office visit copays for the High PPO andStandard PPO plans to 25 per nonspecialist officevisit and 50 per specialist office visit. Increase the visit limits for acupuncture,chiropractic, and massage to 24 visits each peryear with a 25 copay per visit. Members will nolonger need to meet their deductible prior tocoverage for these services.Uniform Medical Plan (UMP) will: Transfer certain accumulators, such as deductiblesand out-of-pocket limits, for the existing plan yearwhen subscribers and their enrolled dependentschange between the SEBB Program and the PublicEmployees Benefits Board Program during aspecial open enrollment and stay with UMP. Increase the deductible for the UMP HighDeductible plan to 1,500 for single subscribersand 3,000 for all other subscribers. This deductibleincrease is required to maintain compliance withIRS rules, so that a subscriber can make eligiblehealth savings account (HSA) contributions in 2023. Provide coverage before meeting the deductible fora specific list of high-value drugs for the UMP HighDeductible plan.2 No longer apply out-of-network amounts paid fordialysis services toward the medical out-of-pocketlimit. Like other benefits, the plan will pay fordialysis services based on the allowed amount andnetwork status of the provider. Provide myStrength, a self-paced, onlinebehavioral health program, in addition to existingbehavioral health options. Add Costco as a network mail-order pharmacyoption in addition to the current option, PostalPrescription Services.DeltaCare will: Increase pediatric coverage to 100 percent forchildren through age 19, less applicable copays. Remove optional treatment fees for electivematerials, such as composite fillings for rear teeth.Rule changesAll changes to SEBB rules will be available on the HCAwebsite at hca.wa.gov/sebb-rules and take effectJanuary 1, 2023. Here are some changes that mightaffect you: If you are called to active duty in the uniformedservices and you lose eligibility for the employercontribution toward SEBB benefits, you regaineligibility for the employer contribution towardSEBB benefits the day you return from active duty.Your employer-paid SEBB benefits will begin thefirst day of the month in which you return fromactive duty. If you are on a leave of absence and maintaineligibility for the employer contribution, you willhave your employee-paid long-term disability (LTD)insurance premiums waived for the first 90 days. When an employee’s dependent has a changein their own employment status that affects thedependent’s or another dependent’s (such asa dependent child) eligibility for the employercontribution toward the dependent’s employerbased group health plan, it creates a special openenrollment.Other changes The IRS raised the health savings account (HSA)annual maximum contribution to 3,850 for singlesubscribers and 7,750 for families. Members age55 and above may continue to contribute 1,000more in addition to these amounts. The annual maximum contribution for Medical andLimited Purpose Flexible Spending Arrangements(FSAs) increased to 2,850.
2023 SEBB medical monthly premiumsThese premiums are effective January 1, 2023. You do not pay premiums for dental, vision, basic life, basic accidentaldeath and dismemberment, or employer-paid long-term disability insurance benefits.Managed-care plansKaiser PermanenteWashingtonKaiser PermanenteNorthwest1Premera Blue CrossNW 1NW 2NW 3Core 1Core 2Core 3SoundChoiceHMOSubscriberonly 31 57 89 38 43 120 74 25Subscriber& spouse2 62 114 178 76 86 240 148 50Subscriber& children 54 100 156 67 75 210 130 44Subscriber,spouse,2 &children 93 171 267 114 129 360 222 75Preferred provider organization (PPO) plansKaiser PermanenteWashington OptionsSummitPPO 1SummitPPO 2SummitPPO 3Achieve 1Achieve 2Subscriberonly 77 106 142 42 105 28Subscriber& spouse2 154 212 284 84 210Subscriber& children 135 186 249 74Subscriber,spouse,2 &children 231 318 426 126Premium surchargesTwo premium surcharges may apply, in addition to yourmonthly medical premium. You will be charged for themif the conditions described below apply or if you do notattest to the surcharges. A monthly 25-per-account premium surcharge willapply if you or any dependent (age 13 and older)enrolled in SEBB medical uses tobacco products. A monthly 50 premium surcharge will apply ifyou enroll a spouse or state-registered domesticpartner, and they have chosen not to enroll in1234Premera Blue CrossUniform Medical Plan3HighUMP Plus4DeductibleHigh PPOStandard PPO 83 97 49 56 166 194 98 184 49 145 170 86 315 84 249 291 147another employer-based group medical plan thatis comparable to the Public Employees BenefitsBoard Program’s UMP Classic.For more guidance on whether these premiumsurcharges apply to you, see the SEBB Premium SurchargeAttestation Help Sheet on the HCA website at hca.wa.gov/sebb-employee under Forms & publications.Kaiser Foundation Health Plan of the Northwest offers plans in Clark and Cowlitz counties in Washington and select counties in Oregon.Or state-registered domestic partnerAdministered by Regence BlueShield and Washington State Rx ServicesUMP Plus includes UMP Plus–Puget Sound High Value Network and UMP Plus–UW Medicine Accountable Care Network. The premium is thesame for both.3
Meet us at the in-person benefits fairsDuring open enrollment, you can learn more aboutyour health plan and other insurance options byattending one of the SEBB Program benefits fairs.All are from 4 to 7 p.m., except Pasco, which is 3 to 6p.m. Additional retirement overviews are held onehour before the fairs start. Find maps, parking information, mask requirements, and additional details athca.wa.gov/sebb-fairs. Please check the website forany late changes before you go.And don’t forget the virtual benefits fair is open 24/7at hca.wa.gov/vbf-sebb. If you have had COVID-19symptoms or a positive COVID test within the past fivedays, please help keep others healthy by attending thevirtual benefits fairs instead of the in-person ones.CityLocationDateBellevueBellevue College, Main Campus, Building CNovember 10BellinghamWestern Washington University, Viking Union Building 565November 9OlympiaLacey Community CenterNovember 8PascoColumbia Basin College, H BuildingNovember 2SpokaneSpokane Community College, Lair Student CenterNovember 1VancouverClark College, Main Campus, Penguin Union BuildingNovember 7WenatcheeWenatchee Valley College, Mish ee Twie BuildingNovember 4YakimaYakima Convention CenterNovember 3Let’s stay in touch!at4envelopes-bulkWould you liketo stay informedof SEB Boardmeetings andpolicy decisions?Join our email list.Would you like toreceive Intercomand other generalupdates in yourinbox? Sign up foremail delivery.Visit hca.wa.gov/seb-board-meetings.In the Want to receivemeeting notices? box, clickSign up to receive emails.Submit your emailaddress. If you are signedup for other emails, youcan also change or removethem under Preferences.Visit SEBB My Account atmyaccount.hca.wa.gov.Go to Profile and openContact information to addyour email address.Then go to CoverageSummary and check thebox for receiving emailnotifications.mailboxIs your mailingaddress up to date?Certain sensitive andpersonal accountinformation, includingeligibility decisions orpayment deadlines, can’tbe emailed.Contact your payroll orbenefits office to updateyour address and phonenumber. You can’t updateyour mailing address inSEBB My Account.
How to make changes during open enrollmentYou can make the changes listedbelow during the SEBB Program’sannual open enrollment, October31 through November 21. Changesare effective January 1, 2023.If you do not want to changehealth plans and they are still available in your county for next year, youdo not have to take action to remainenrolled in the same plan (see Someplans are changing, below).Changes made in SEBB MyAccount must be completedbefore midnight on November 21.Visit myaccount.hca.wa.gov.If you haven’t used SEBB MyAccount recently (or are setting upa new account), you’ll notice theenhanced security features. You’llbe prompted to complete the stepsto set up multifactor authenticationthe first time you log in.If you can’t use SEBB MyAccount, contact your payrollor benefits office to request theSchool Employee Change form,starting October 31. Your payrollor benefits office must receiveyour forms and other requireddocuments by November 21.Change your medical,dental, or vision planLog in to SEBB My Account or submitthe School Employee Change form.Add a dependentLog in to SEBB My Account orsubmit the School Employee Changeform. You must provide proof ofyour dependent’s eligibility. A listof documents to prove eligibilityis available on HCA’s website athca.wa.gov/sebb-employeeunder Verify & enroll my dependents.Remove a dependentLog in to SEBB My Account or submitthe School Employee Change form.Waive medical, dental, orvision coverageLog in to SEBB My Account orsubmit the School EmployeeChange form. You must haveother employer-based groupmedical coverage, a TRICAREplan, or Medicare to waive medicalcoverage.You can only waive SEBB dentalor vision coverage if you enroll inPublic Employees Benefits Boardmedical and dental coverage.Learn more on the HCA websiteat hca.wa.gov/sebb-employeeunder Waive my medical coverage.Enroll in medicalcoverage if youpreviously waivedLog in to SEBB My Account orsubmit the School Employee Enrollment form.Enroll in an FSA or DCAPEnroll in a flexible spending arrangement (FSA) or the Dependent CareAssistance Program (DCAP) on theNavia Benefit Solutions websiteat sebb.naviabenefits.com orsubmit the Navia Open Enrollmentform to Navia. You must enroll inthese benefits every year if you wantto participate. See FSA and DCAPreminders page 8.Reattest to the spouse orstate-registered domesticpartner coveragepremium surchargeThe SEBB Program will mail you aletter if you must reattest for 2023.You can also check whether youneed to reattest in SEBB My Account,starting October 31.Reattest in SEBB My Account orsubmit the SEBB Premium SurchargeAttestation Change Form.Questions?Visit our Open enrollment webpage at hca.wa.gov/sebb-oe or contactyour payroll or benefits office.Some plans are changingThe plan you are currently enrolled in may not be available for 2023. Youmay need to enroll in a new plan.The Kaiser Permanente Washington Options (KPWA Options)Access PPO 1, 2, and 3 plans are closing. If you are currently enrolledin one of these, you will need to enroll in a new plan. If you do not enrollin a new plan during open enrollment, the SEBB Program will automatically enroll you in: The new KPWA Options Summit PPO 1, 2, or 3 if you live or work ina county where one of these plans is offered. UMP Achieve 1 if you do not live or work in a county where KPWAOptions Summit PPO 1, 2, or 3 is offered.The Premera Peak Care Exclusive Provider Organization (EPO)plan is closing. If you are currently enrolled in it, you will need to enrollin a new plan. If you do not enroll in a new plan during open enrollment,the SEBB Program will automatically enroll you in the new PremeraHealth Maintenance Organization (HMO) plan.5
Who to contact for helpContact your plan carrier if you have questionsabout the topics below. For phone numbers and webaddresses, visit hca.wa.gov/sebb-employee andselect Get help and Contact the plans. Benefits ID cards Claims Checking if your provider is in their network Choosing a provider Making sure your prescriptions are coveredContact your employer’s payroll or benefits officefor questions about: Eligibility and enrollment Premium surcharges Changing your name, address, or phone number Finding forms Adding or removing dependents Payroll deductions Eligibility and enrollment for life and long-termdisability insuranceNew website alert! See what’s changedHCA’s website recently got a new look. The site was reorganized, based on data and testing provided by users likeyou. Visit our refreshed website at hca.wa.gov/sebb-employee.What you can expectNavigation. You’ll find information that’s right for you through a largeexpandable menu. Look under Employee and retiree benefits and selectSchool employees.Simplified content. We know your benefits are important to you, and wevalue your time. We revised the webpages to make it easier to scan forrelevant information.Colorways. To help you know you’re in the right section of the website, weadded color to identify member types. School employees are dark blue.Try these online tools and resourcesDrop by the virtualbenefits fairAttend webinarsIt’s a great way to learn aboutyour benefits anytime, day ornight, without leaving your home.You’ll find links to videos and plancomparisons to help you choosethe right benefits for you andyour family.Quick linksOpen enrollment:hca.wa.gov/sebb-oe6Register and attend live andrecorded webinars hosted by ourmedical and dental plan carriers.Change your coverageeasily using SEBBMy AccountDuring open enrollment, makechanges and attest to the spouseor state-registered domesticpartner (SRDP) coverage premiumsurcharge using SEBB My Account.Virtual benefits fair:hca.wa.gov/vbf-sebbVisit the Openenrollment webpage Find your premiums. Compare medical, dental,and vision plan benefits andpremiums. Change your plans and attestto the spouse or SRDP premiumsurcharge using SEBB MyAccount. Register for a webinar. Read the Summary of Benefitsand Coverage (SBC) for detailsabout medical plan benefits.SEBB My Account:myaccount.hca.wa.govEmployee andretiree benefits:hca.wa.gov/erb
Share Your Story SpotlightWe asked our community of members — school and public employees, retirees, and continuation coveragemembers — to share some of the ways their benefits have impacted their lives. Thank you to those who haveshared their stories! We received a great response, and we hope you enjoy the story we featured. Would you like toshare your story and inspire others? Visit hca.wa.gov/share-your-story to get started.David and Gina, Issaquah, WA“Having health coverage is soimportant. When my husbandturned 50, as a ‘present’ for him Iset up his first colonoscopy! Littledid we know how much this wouldimpact our lives. We were both inshock as we learned that he hadstage three colon cancer.“The thoughts and concerns thatrun through your mind range fromcritical to ridiculous — What if hedies? How can we pay for this? Whatare the next steps? Are we going tolose everything? The questions wereendless. We took a big breath andanswered them one at a time, oneday at a time, one treatment at atime, one surgery at a time.“One of the things that gaveus a big sigh of relief was the callfrom the hospital that shared afterwe paid the deductible, everythingelse would be covered. We wereno longer in fear of not being ableto pay our bills if he missed toomuch work.“We are now one and a halfyears into trying to get him healthy.We have done chemo, radiation andfour surgeries. We know that thereare still more surgeries ahead andlots of testing to keep him healthy,but we celebrate that for now heis cancer-free and on the road torecovery!“Having good medical coverageisn’t just a need, it is peace of mind,financial security and being able toget the care you need even beforeyou know you need it!”Don’t confuse these dental plans toothThe SEBB Program offers two dental plans that are easily confused. Sometimes members intend to enroll in oneplan but accidentally enroll in the other. During open enrollment, be careful to choose the one you want.DeltaCare (Group 09601) is a managed-care planwith a narrow network. You must choose aprimary care dentist within their network or you willbe assigned a primary care dentist. Your primarycare dentist must give you a referral to see aspecialist. This plan will not pay claims if you see aprovider outside of their network.Uniform Dental Plan (UDP)(Group 09600) is apreferred-provider plan. You may choose andchange any dental provider at any time, but youwill usually have lower out-of-pocket costs if you seein-network providers.Compare your dental plan options on HCA’s website at hca.wa.gov/sebb-employee-dental. Before you enrollin a dental plan, check with the plan (DeltaCare or UDP, not the provider) to see if your provider is in the plan’snetwork and confirm the group number. You can call the dental plan’s customer service or use the plan’s onlinedirectory.7
Your FSA funds may carry over to 2023If you are enrolled in a MedicalFlexible Spending Arrangement(FSA) or a Limited Purpose FSA for2022, unused funds up to 570 maycarry over to 2023. If you don’t enrollin an FSA for 2023, any amount over 570 or under 120 will be forfeitedto the Health Care Authority afterDecember 31, 2022.To carry over your unused fundsup to 570, you must either enroll inthe Medical FSA or Limited PurposeFSA for 2023 or have at least 120 leftin your 2022 balance.FSA and DCAP remindersYou must enroll in the MedicalFSA, Limited Purpose FSA, orD e p e n d e n t C a re A s s i sta n ceProgram (DCAP) for each yearyou want to participate. Enroll inthese benefits during annual openenrollment, October 31 throughNovember 21, on Navia’s website atsebb.naviabenefits.com.For the Medical FSA and LimitedPurpose FSA, you choose how muchto contribute each year — between 120 and 2,850 for 2023.Please note that you cannotenroll in both a Medical FSA andUniform Medical Plan (UMP) HighDeductible with a health savingsaccount (HSA) in the same year, butyou can enroll in a Limited PurposeFSA and in UMP High Deductible.You cannot enroll in both theMedical FSA and the LimitedPurpose FSA in the same year. TheLimited Purpose FSA is for eligibledental and vision expenses only.Deadlines for claimsMedical/Limited Purpose FSAexpenses must be incurredby December 31, 2022. Youmust submit all claims toNavia Benefit Solutionsfor reimbursement byMarch 31, 2023.DCAP enrollees have untilDecember 31, 2022 to incurexpenses and submit claimsagainst their 2021 or 2022 DCAPfunds. (This extra 12 monthsfor 2021 enrollees is a onetime leniency because of theCOVID-19 pandemic.)Questions?Visit sebb.naviabenefits.com orcall 1-800-669-3539 between 5 a.m.and 5 p.m., Monday through Friday.Two times you can change your coverageOnce you are enrolled in the SEBB Program, you can change your coverage:During annual open enrollmentThe annual open enrollment happens every fall. Thisyear open enrollment starts October 31 and continuesthrough November 21. Open enrollment provides anopportunity for you to change your medical, dental,and vision plans, and to add or remove dependents (seeHow to make changes during open enrollment on page5). Those changes are effective on January 1 of thefollowing year.8During a special open enrollmentA special open enrollment happens when you have alife event, such as getting married or having a baby.Depending on the event, certain changes are allowedoutside of open enrollment. The Internal RevenueService has rules about what events qualify andwhat changes you can make. To find out more, visithca.wa.gov/sebb-employee and select Change mycoverage.
Your medical plan can help you kick tobacco ban-smokingYou’ve heard all the reasons tobacco is bad for you, but we know quitting is difficult. Your medical plan can help youlive tobacco free and save 25 a month by not having to pay the tobacco use premium surcharge.You and your enrolled dependents 18 and older can sign up for a tobacco cessation program through your medicalplan. Visit our Living tobacco free webpage at hca.wa.gov/tobacco-free-sebb for how to get started.For enrolled dependents 17 and under, contact your medical plan for programs they offer. Additional resourcesare available at teen.smokefree.gov.Summary of Benefitsand Coverageavailable to youAnnual notice ofcreditable prescriptiondrug coverageRequired federal noticeRequired federal noticeThe Affordable Care Act requires the SEBB Program andits medical plans to provide a Summary of Benefits andCoverage (SBC). These documents help you comparemedical plan benefits, terms, and your costs for carefrom network and out-of-network providers.To get an SBC for your current SEBB medical plan,go to the Medical plans and benefits webpage athca.wa.gov/sebb-employee (or the plan’s website)to view or print it. Or, call your plan to ask for a papercopy at no charge. Your plan can also provide copiestranslated into other languages.For other SEBB medical plans, call the SEBB Programat 1-800-200-1004 (TRS: 711).You will receive this notice each year in this newsletter,and you will also receive this notice if your SEBBcoverage changes. You may request a copy of thisnotice at any time by calling the SEBB Program at1-800-200-1004 (TRS: 711).If you or a family member is (or will soon be) enrolledin Medicare, you may hear about your opportunity toenroll in Medicare Part D for prescription drug coverage.All SEBB medical plans provide creditable prescription drug coverage, so you do not have to enroll inMedicare Part D. The prescription drug coverage offeredby these SEBB medical plans is expected to pay out, onaverage, as much as Medicare Part D coverage.When you enroll in Medicare, you can keep your SEBBmedical plan and not pay a penalty if you enroll in yourPart D plan later.If you enroll in a Medicare Part D plan, your SEBBmedical plan may not coordinate prescription drugbenefits with your Part D plan.If you lose or terminate your currentSEBB medical planTo avoid paying a Medicare Part D plan late-enrollmentpenalty, you should enroll in a Medicare Part D planwithin 63 days after your SEBB medical plan ends. Ifyou enroll after the 63-day deadline, your Part D plan’smonthly premium may increase, depending on how longyou didn’t have creditable prescription drug coverage.For questions about Medicare Part DVisit the Centers for Medicare & Medicaid Serviceswebsite at medicare.gov or call 1-800-633-4227.9
PO Box 42720Olympia, WA 98504-2720This is your only 2023 open enrollment noticeThe information you need is inside.
your health plan and other insurance options by attending one of the SEBB Program benefits fairs. All are from 4 to 7 p.m., except Pasco, which is 3 to 6 . hca.wa.gov/sebb-employee. hca.wa.gov/sebb-employee. sebb.naviabenefits.com. page 8. hca.wa.gov/sebb-oe. 6 Who to contact for help
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limited to a single enrollment in medical and dental plans (PEBB Program) or medical, dental, and vision (SEBB Program). If they are a PEBB employee who waives PEBB medical and dental for SEBB medical, they must also enroll in SEBB dental and vision. Relationship to subscriber 1 This field is required for health care services.
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Hotell För hotell anges de tre klasserna A/B, C och D. Det betyder att den "normala" standarden C är acceptabel men att motiven för en högre standard är starka. Ljudklass C motsvarar de tidigare normkraven för hotell, ljudklass A/B motsvarar kraven för moderna hotell med hög standard och ljudklass D kan användas vid
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The chart below briefly compares the medical deductibles and per-visit out-of-pocket costs of some in-network benefits for SEBB medical plans. Copays and coinsurances may apply; some copays and coinsurance do not apply until after you have paid your annual deductibles.
Anatomi dan Fisiologi Sistem Muskuloskeletal 2.1.1. Sistem Otot (Muscular System) 2.1.1.1. Otot (Musculus) 2.1.1.1.1. Definisi Otot adalah sebuah jaringan yang terbentuk dari sekumpulan sel-sel yang berfungsi sebagai alat gerak. Jaringan otot sekitar 40% dari berat tubuh. Otot melakukan semua gerakan tubuh. Otot mempunyai sel-sel yang tipis dan panjang yang mengubah energi yang tersimpan dalam .
