Licensed Employee Benefit Options

MEDICAL, DENTAL AND VISION COVERAGE OPTIONS

• COMPARE MEDICAL   (See tabs on the bottom of the sheet to view medical).

• COMPARE DENTAL

• COMPARE VISION

• COMPARE PRESCRIPTION PLANS

• COMPARE PLAN RATES

• 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

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.) 

• FULL TIME CALCULATOR (pay a flat price for all dependents.)

PART TIME EMPLOYEES -  Employees working <30 hours per week receive a prorated district contribution and pay tiered rates depending on who is covered. 

• PART TIME CALCULATOR - employee only

• PART TIME CALCULATOR - employee & spouse only   

• PART TIME CALCULATOR - employee & children only    

• PART TIME CALCULATOR - employee & family

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.

 DISABILITY  - LIFE INSURANCE - ACCIDENTAL DEATH  COVERAGE -  SICK LEAVE BANK - LONG TERM CARE INSURANCE 

• Optional Benefits

• Visit the MyOEBB Website, click here.  

• Open Enrollment Guide Booklet

• OEBB FAQs  

• Moda FAQs

• Health Savings Account FAQs

• Coordination of Benefits - Real Examples 

• Health Insurance 101 and other Videos