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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 Vision Coverage. Employees will pay any remaining out of pocket cost through a monthly payroll deduction.
Currently, for the 2025-26 school year, the CAP is $1,600.00 per month (Classified employees are in Bargaining/Negotiations, amount subject to change. Please note the calculator is off for classified employees)
Full time classified employees working 30 or more hours per week will receive the full CAP and pay composite rates.
Part time employees hired after 07/01/16 who work less than 30 hours per week will not qualify for benefits or an opt out stipend.
Part time employees who had coverage prior to 07/01/16 must work 18 hours to be eligible for insurance. If they work less than 30 hours per week they receive a reduced $1,335.00 district contribution.
Part time bus drivers and monitors hired into a position that requires 20-30 hours per week are eligible for benefits at the reduced contribution level.
These calculations are already built into the rate calculators at the link below under Step 2.
STEP 1- REVIEW INSURANCE PLAN OPTIONS (click on the link to compare coverage and deductibles)
MEDICAL, DENTAL, AND VISION COVERAGE OPTIONS
If you select Moda Plans 6 or 7 you also MAY set up a Health Savings Account
In order to experience the enhanced benefits of coordinated care use the Moda Find Care search feature to look for a "PCP 360" primary care provider. After your enrollment is complete, log in to myModa and designate your PCP 360. When you use your PCP 360, your enhanced benefits will include a lower deductible, lower out-of-pocket maximum, and copayments for office visits and specialist visits.
View eligibility, costs and instructions for how to insure a DOMESTIC PARTNER
OPT-OUT: Employees electing to opt-out must go through the enrollment process to make the "opt out" selection. The benefits department no longer requires a signed opt out form, but requires only a copy of your other group insurance card. If your other group coverage is through OEBB, we do not require proof of that coverage.
Employees are eligible to "opt out" if they are enrolled in other group insurance coverage, Medicare or TRICARE
In order to qualify to Opt Out, an employee must be insured on another employer sponsored group policy (through a spouse or parent.) You do not qualify to Opt Out if you have coverage with the Veterans Administration, Oregon Health Plan, or other non-group plans
Full time employees who have chosen to "opt out" will receive a stipend in their regular paycheck in the amount of $496.50 per month. Part time employees will receive a stipend prorated in the amount equal to their FTE (.50 FTE x $496.50 = $248.25)
During Open Enrollment or when new employees are first eligible for coverage, employees must log into the myOEBB system and choose the screen to "enroll", then you will be guided on how to opt out. Please email a copy of your other group insurance card to the Megan.Lentz@redmondschools.org or by fax to: 541-923-5142
Employees who qualify to opt out of medical coverage may purchase dental and vision coverage via pre-tax payroll deduction.
If you do not qualify to Opt Out, you may decline coverage by simply waiving the option to buy one or more plans. You must log into the OEBB website to provide notification of your decision
*The Opt-out stipend may change after the collective bargaining agreement has been ratified by the classified bargaining unit.
STEP 2- CALCULATE YOUR COST (click on the link to mix & match plans then calculate your monthly payroll deduction. )
(Classified employees are in Bargaining/Negotiations, amount subject to change. Please note the calculator is off for classified employees)
FULL TIME EMPLOYEES - Employees working 30-40 hours per week receive a full district contribution and pay composite rates (one flat price for the whole family.)
PART TIME EMPLOYEES - Qualifying employees (see above) who work less than 30 hours per week receive a lower level district contribution and pay tiered rates depending on who is covered.
STEP 3- CONSIDER THE DIFFERENCE IN THE PLANS AND COST TO PURCHASE THEM
Moda offers a discount on the cost to buy insurance if an employee selects a plan that requires the employee to pay more (and Moda to pay less) for services. Our district offers six medical plans that cover +essentially the same services but with different cost sharing options including higher deductibles, coinsurance, benefit levels and maximum out of pocket limits. Healthy families may choose a higher deductible plan and save money up front with a lower payroll deduction. Families who are planning for a major surgery, for example, may feel more financially secure by purchasing a lower deductible plan with a higher payroll deduction.
The total out of pocket cost per year for a full time employee with a full district contribution (*$1,655.00 CAP) to buy each medical plan AND
How much that same employee would pay to medical providers on each plan if they maximize their benefits due to severe illness or injury.
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 during the plan year. Employee payroll deductions will not be the same if you don't receive a full CAP, purchase dental or vision and/or are part time and pay tiered rates. +See the OEBB Plan Comparison Tool for plan details.
STEP 4- REVIEW OPTIONAL BENEFITS AVAILABLE NOW
DISABILITY - LIFE INSURANCE - ACCIDENTAL DEATH COVERAGE - SICK LEAVE BANK - LONG TERM CARE INSURANCE
STEP 5- VISIT THE OEBB WEBSITE AND ENROLL
Visit the MyOEBB Website, click here.
FREQUENTLY ASKED QUESTIONS (FAQ's)
Email questions to megan.lentz@redmondschools.org
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