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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 the remaining out of pocket cost through payroll deduction.
For the 2025-26 school year, the CAP is $1,785
Full time classified employees working 32.5 or more hours per week receive the full CAP.
Part time employees must work at least 15 hours a week to be eligible for insurance, and if they work less than 32.5 hours per week the CAP is pro-rated. The proration calculation for Classified Part time employees = Weekly hours divided by 32.5 then multiplied by $1,785.00.
STEP 1 - COMPARE PLANS
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 the Moda 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 2 - COMPARE RATES (online calculator)
STEP 2 - COMPARE RATES (online calculator)
STEP 3 - COMPARE ANNUAL COST TO BUY AND USE INSURANCE
STEP 3 - COMPARE ANNUAL COST TO BUY AND USE INSURANCE
Review the example below to compare the total cost per year for a full time employee with a full CAP, 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 4 - RESEARCH ADDITIONAL COVERAGES
STEP 4 - RESEARCH ADDITIONAL COVERAGES
*DISABILITY * LIFE INSURANCE * ACCIDENTAL DEATH COVERAGE * LONG TERM CARE INSURANCE * OTHER
STEP 5 - VISIT THE OEBB WEBSITE AND ENROLL
STEP 5 - VISIT THE OEBB WEBSITE AND ENROLL
Visit the MyOEBB Website, click here.
Reminder- The Oregon state legislature requires a Double-Coverage Surcharge for OEBB/PEBB. A $5 monthly surcharge applies if an employee is double covered in OEBB/OEBB, OEBB/PEBB, or PEBB/PEBB.
OPTING OUT AND COMBINING CAPs
OPTING OUT AND COMBINING CAPs
OPT OUT
Classified employees are eligible to "opt out" if they are enrolled in group insurance coverage elsewhere. In lieu of the District's insurance contribution, the employee shall be paid a stipend in their regular paycheck equivalent to 50% of the maximum amount the District applies to the insurance fringe benefit package, prorated according to their FTE in relationship to their normal contribution. During open enrollment or when new employees are first eligible for coverage, employees must complete the Opt Out Form 2025-26 and return it to Tracy in the HR Department.
TWO MARRIED EMPLOYEES MAY COMBINE CAP
If two district employees are both employed by the district and are either married or qualify for insurance based on their status as "domestic partners" they may participate in the following arrangement with the district:
One may "opt out" of district paid medical, dental and vision insurance.
The district agrees to pay the full premium amount for the highest available plan for the employee not opting out
Complete and sign the 2025-26 Employees Agreement to Combine Insurance CAP form and return to Tracy in the HR Department
FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS
RESOURCES
RESOURCES
Call OEBB Customer Service: 888-469-6322
Email or call 541-693-5606 with questions
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