Starting October 1, Moda Health is partnering with Garner. 

When you choose to visit a Garner-approved provider, you can be repaid for the costs for your visit. This includes your deductible, copay, or coinsurance. It also includes other services like labs, prescriptions, and X-rays when they’re ordered by your Garner approved provider. 

You may be repaid up to:
• $700 per year if you have individual coverage
• $1,400 per year if you cover yourself and family members.

Members are not required to use Garner. Your Moda medical plan network will remain the same even if you don't use Garner. 

If you do not register and use Garner, you will not be eligible for cost reimbursement. 

GET STARTED WITH GARNER

• Review the Garner Guide and learn about Garner, how to enroll, find providers and get reimbursed

• You must be registered with Garner PRIOR to your medical visit to be eligible for reimbursement. 

• Go to: app.getgarner.com and register, or log into your Moda Health dashboard and register 

• If you have an established PCP 360 with Moda, you will need to search for your PCP 360 through Garner to see if your provider is approved to be reimbursed for covered services.

• Issues with registration or questions about providers - contact Garner's Concierge team directly: 458-488-4828

To access Moda's enhanced Coordinated Care benefits, you will need to designate a PCP 360 provider for each person covered on your medical plan. 

• By designating a PCP 360, individuals will see a lower deductible, out of pocket expenses and copay amounts. 

• Click here to learn more about Moda's Coordinated Care / PCP 360 program.

• View Moda's step by step guide to select and choose your PCP 360 provider.

The following changes will become effective for all Moda Medical Plans as of October 1, 2025:

• Plan Options: Some medical and dental plans are no longer available. Please review your specific employee type insurance page to see what plans are available to you. 

• Medical Deductible Increase: All Moda medical plans deductibles are increasing. You will need to pay $300 more for certain services before the plan starts to help with costs. If you cover family members, family amounts will now be two times the per-person deductibles. (This is based on the non-coordinated care amount.) Some plans will have lower family amounts. Other plans will have higher family amounts.

• Medical Out of Pocket Maximum Increase: All Moda medical plans out-of-pocket maximums are increasing. The most you will need to pay for most services in a year will go up by $900. If you cover family members, family amounts will now be two times the per-person maximums. (This is based on the noncoordinated care amount.) Some plans will have lower family maximums. Other plans will have higher family maximums.

• Office Visit Copay Increase: For Moda Medical Plans 1–5, copays for primary care, specialist, and other office visits will go up by $5 per visit.

• Garner:  Starting October 1, Moda Health is partnering with Garner. Garner helps connect Moda Health medical plan members with high quality care and offers reimbursement for some medical related expenses. More information is available below.

• Breast Cancer Screening Deductible Removed: Deductibles for breast cancer screenings will be removed. For Moda Medical Plans 6 and 7, the deductible won’t apply for extra imaging when checking for breast cancer. 

• Nurseline Service Ending: The Nurseline service will stop. CirrusMD will continue to offer this type of care. Your PCP may offer something comparable.

• Network Expansion: If you live in Oregon, SW Washington, or Idaho, you now have access to Moda’s national network, Aetna PPO® for care outside of Moda’s service area.  

• Connexus Network Expansion: The Connexus network now covers the entire state of Idaho. This means if you live in Idaho, you will no longer have access to First Health providers. You’ll also now have access to Moda’s national network, Aetna PPO® when outside of the service area.

All benefit eligible BLS employees are enrolled in mandatory insurance policies as defined in their collective bargaining agreement or employment contract. Employees also have the option to enroll in additional Life, Accidental Death & Dismemberment, and Long Term Care coverage through OEBB.

Please review your employee-type page to view mandatory coverages and to learn more about optional insurance policies and their rates. 

If you and your spouse/domestic partner are both BLS benefit eligible employees, you may want to consider combining your benefits. 

Please reach out to the Benefits Team to learn more about combining benefits and how to complete your enrollments in OEBB. 

To qualify for the combined employee benefit, BOTH BLS employees must do the following:

• Log into OEBB and enroll in benefits accordingly.

• Complete the Insurance Combo form

  • The form is available in UKG and can be found by going to your UKG > My Info > My HR > Forms > Other Forms

  • Under the blue "available" tab select the "Insurance Combo Form" and click "+add" and follow the prompts.

Employees electing to continue their combined coverage from the previous plan year are required to complete OEBB Enrollment and the Insurance Combo Form annually.

Insurance eligible employees who choose to opt-out of medical, dental and vision coverage and provide proof of other qualifying coverage, may be eligible for a monthly insurance opt-out stipend. 

Please reach out to the Benefits Team to learn more about opting-out of insurance and how to complete your enrollments in OEBB. 

Coverage through the Oregon Health Plan (OHP), Student Health Insurance or the Individual Market Place are not recognized as group coverage by OEBB, and therefore employees with such coverage are not eligible for the opt-out stipend.

To qualify for the insurance opt-out stipend, you must do the following:

1. Log into OEBB and decline medical, dental and vision insurance and save your enrollments.

2. Complete the Insurance Opt-Out Stipend form and provide proof of other group coverage. 

• The form is available in UKG and can be found by going to your UKG > My Info > My HR > Forms > Other Forms

• Under the blue "available" tab select the "Insurance Opt-Out Stipend" and click "+add" and follow the prompts.

• Upload your other group medical insurance card to the form. Select the paperclip icon on the upper-right side and select "General Health (HR)" when choosing the document type. Click "upload."

Employees electing to continue to opt-out of insurance are required to complete OEBB Enrollment and the Opt-Out Stipend form annually.

OEBB provides the following definitions for dependents:  

• Spouse: The person you married under any state or country law. 

• Domestic Partner by Certificate: The unmarried person with whom you filed a Declaration of Oregon-Registered Domestic Partnership (RDP). 

• Domestic Partner by Affidavit: The unmarried person with whom you are in a partnership that is not Oregon registered. You must have lived together and shared expenses for at least six months prior to enrolling your partner. An Affidavit of Domestic Partnership Form must be completed and returned to the HR Benefits Department. 

• Child: Your biological child, adopted child, stepchild, partner’s  child, or child placed with you by court order (guardianship). 

• Disabled Dependent: Your adult (age 26 or older) disabled child who qualifies when all of the following apply: 

  • Your child can’t support themself due to a developmental disability, physical disability, or mental illness 

  • A medical provider confirmed the disability before your child turned 26 

  • Your child had continuous health coverage (no breaks) 

  • One of these applies: 

    • You claim your child on your federal tax return 

    • You have legal guardianship ordered by a court 

    • Your child files their own tax return and earns less than 150% of the federal poverty level (FPL). 

Covering a domestic partner and partner’s children has tax implications that may lower your take-home pay. Please review the 2025-26 Imputed Values and contact the Payroll Department with questions about how the imputed value may impact your wages : payroll@bend.k12.or.us / 541-355-1123

COBRA allows eligible employees and their covered family members to continue their group medical, dental and/or vision insurance coverage for at least 18 months when OEBB coverage ends. While coverage options remain the same, individuals are responsible for the full cost of the premium.

Important COBRA Details: 

• OEBB COBRA coverage is administered by BenefitHelp Solutions

• Effective October 1, 2025 all COBRA premiums will be based on the composite rate. The composite rate will apply only to new COBRA participants and will not affect existing COBRA participants. 

• BenefitHelp Solutions will mail COBRA information directly to the eligible person(s) - this includes information on rates, enrollment and how to pay premiums

View 2025-26 COBRA Rates

BenefitHelp Solutions Website

OEBB's COBRA Frequently Asked Questions