HDESD Insurance Options
HOW MUCH DOES THE DISTRICT CONTRIBUTE?
A CAP is the contribution amount the district will pay each month to OEBB to assist employees in paying for their selected Medical, Dental and/or Vision Coverage. Employees will pay any remaining out of pocket cost through a payroll deduction
For the 2023-24 school year, the CAP is $1,570 per month (pending union ratification)
Staff hired prior to 7/1/12 must work 18.75 - 40 hours a week to be eligible for benefits and receive a full CAP
Staff hired after 7/1/12 working 32 or more hours per week receive a full CAP
Part time staff hired after 7/1/12 must work 20 hours per week to be eligible for benefits. Staff working ≥20 and less than 32 hours per week receive a prorated CAP based upon actual FTE. (.50 FTE x $1,570.00 = $707.50 CAP)
STEP 1- COMPARE PLANS
MEDICAL, DENTAL, AND VISION COVERAGE OPTIONS
If you select Plans 6 or 7, review this important information about your individual or family deductible
If you select Plans 6 or 7 you also MAY set up a Health Savings Account
Learn more about Moda's Coordinated Care PCP 360 program (you can designate a PCP360 via MyModa after enrollment is complete)
Use the Moda Find Care search feature to look for in-network providers
STEP 3- COMPARE THE DIFFERENCE IN PLANS AND COST TO PURCHASE THEM
Review the example below to compare the total cost per year in a worst case scenario for an individual on each plan. The example includes annual cost to buy insurance, and annual maximum out of pocket costs you would pay to providers
Note the example is purely for demonstration purposes to evaluate if the additional annual cost for insurance when buying a lower deductible plan provides the most economical option for you during the plan year. Your cost will not be the same if you don't receive a full CAP.
STEP 5- VISIT THE OEBB WEBSITE AND ENROLL
OPT OUT STIPEND
HDESD employees are eligible to "opt out" if they are enrolled in group insurance coverage elsewhere, such as through a spouse's employer. Employees who have chosen to "opt out" will receive a stipend in their regular paycheck equivalent to 30% of their available CAP. Any Dental or Vision premiums will be deducted from the stipend. Non-group coverage such as OHP or plans purchased independently through the Marketplace do not qualify. Employees must provide proof of the other group insurance coverage.
Employees must still complete Open Enrollment via the MyOEBB system and select "Opt Out" for Medical.
Opt Out Form 2023-24 (return to Sally in the Benefits Department)