do we continue with: oea choice trust as our insurance provider? do we move to the state insurance...
DESCRIPTION
OEBB? What is it? (Oregon Educators Benefits Board ) Created in 2007 by the Oregon Legislature HB 426 Intended to pool education employees with insurance Charged with providing high-quality benefits to school employees at comparable pricesTRANSCRIPT
Do we continue with:OEA Choice Trust as our Insurance
Provider?
Do we move to the State Insurance Pool (OEBB)?
HistoryBeen watching the OEBB developments
Encouraged folks to talk to members about OEBB
Waiting for renewal rates from OEA Choice Trust
Insurance Committee met several times
Waiting for rate plans from OEBB
•Created in 2007 by the Oregon Legislature HB 426
•Intended to pool education employees with insurance
•Charged with providing high-quality benefits to school employees at comparable prices
Moving to OEBB effective October 1, 2008 due to significant increases
of out of pocket insurance rates
OEBB Chooses ODS as Carrier
Great News for SKEA
Seamless transition to OEBB (minimal
disruption)
Current Medical Plans through OEA Choice Trust
MCP 15 – Medical/Alternate Care/RX
PPO 2 – Medical/Alternate Care/RX
PPO 3 – Medical Only/RX
Kaiser Permanente HMO - $10.00 copay/RX
Current ODS Dental Plan
Deductible – none
Annual Maximum - $2,200
Ortho – 80% to $1,500 Max
Current Vision Plan
•Deductible - None
•Plan Max - $350.00
•Exam – 100%•Frames – 100% every 12 months for child•Frames – 100% every 24 months for adult
•Lenses/contacts – 100% every 12
months
Name Comparisons of Plans•MCP 15 OEBB PPO Medical Plan 5•
PPO 2 OEBB PPO Medical Plan 7PPO 3 OEBB PPO Medical Plan 8Kaiser OEBB Kaiser HMO Medical Plan 1ODS Dental Plan A OEBB Dental Plan 1
Kaiser Dental Plan OEBB Dental Plan 8
ODS Vision Plan 350 OEBB Vision Plan 1
Life/AD&D and Long Term Disability Plans remain the
same with Unum (our current carrier)
What are the differences of the
comparable plans………. If any
MCP 15 to OEBB Plan 5 Differences
MCP 15 OEBB Plan 5No deductible in network and $300/600 deductible out of network
$15.00 office visit/co-payAnnual max. $2000 in network/$6000 out of network
Preventative Health Screenings paid @ 80% in network/60% out of network
RX - $10/$20/50% or $50 max with no annual maximum
$200/600 deductible for in/out of network
$20.00 co-pay Annual max. $1000 in network/$2000 out of network
Preventative Health Screenings are fully paid in network/60% out of network
RX -$5/$25/50% or $50 max with $1000 annual max
YOUR COST NEXT YEAR$244.50
YOUR COST NEXT YEAR$125.68SAVINGS each month
with OEBB:$118.82
PPO2 to OEBB Plan 7 DifferencesPPO 2 OEBB Plan 7No deductible in network and $500/1000 deductible in /out of network
$15.00 office visit/co-pay
Annual max. $3500 in network/$7000 out of network
Preventative Health Screenings paid @ 80% in network/60% out of network
RX - $10/$20/50% or $50 max with no annual maximum
$500/1500 deductible for in/out of network
$20.00 co-pay Annual max. $2000 in network/$4000 out of network
Preventative Health Screenings are fully paid in network/60% out of network
RX -$5/$25/50% or $50 max with $1000 annual max
YOUR COST NEXT YEAR$154.72
YOUR COST NEXT YEAR$23.54SAVINGS each month
with OEBB:$130.18
PPO 3 to OEBB Plan 8 DifferencesPPO 3 OEBB Plan 8
$1000/$3000 deductible in and out of network
office visit paid at %80 after deductible in network/60% out of network
Annual max. $5000 in network/$10000 out of network
Preventative Health Screenings 80% in network/60% out of network
RX – 50%or $50 max with no annual maximum
$1000/$3000 deductible for in/out of network
office visit paid at %80 after deductible in network/60% out of network
Annual max. $2000 in network/$4000 out of network
Preventative Health Screenings are fully paid in network/60% out of network
RX -$5/$25/50% or $50 max with $1000 annual max
YOUR COST NEXT YEAR$12.64
YOUR COST NEXT YEAR$12.64
Please see next slide for more information on these two plans.
PPO3/OEBB Medical Plan 8Board of Directors and Insurance committee recommends that this plan no longer be offered.
Rationale: PPO2 offers increased coverage for only $10.90 more a month than PPO3
PPO2 offers a comprehensive preventative care package
With PPO3 the members are not utilizing the total available premium contributions from the district, that PPO2 will accomplish
OEA Choice Kaiser to OEBB Kaiser HMO Plan 1 DifferencesKaiser OEBB Kaiser HMO Plan 1
No annual deductible $600/$1200 annual max deductible
Health Risk Assessment – not covered
Infertility – 50% RX - $20
No annual deductible $1000 annual max deductible Health Risk Assessment fully covered
Infertility – not covered RX - $10/$30
Kaiser (w/dental)YOUR COST NEXT YEAR$148.72
OEBB Kaiser HMO (w/dental)
YOUR COST NEXT YEAR$46.52
SAVINGS each month w/OEBB: $102.20
Kaiser (w/ODS Dental)YOUR COST NEXT YEAR: $135.35
OEBB Kaiser HMO (w.ODS Dental)
YOUR COST NEXT YEAR: $37.95SAVINGS each month
w/OEBB: $97.40
PPO2 to OEBB Plan 7 DifferencesPPO 2 OEBB Plan 7No deductible in network and $500/1000 deductible in /out of network
$15.00 office visit/co-pay
Annual max. $3500 in network/$7000 out of network
Preventative Health Screenings paid @ 80% in network/60% out of network
RX - $10/$20/50% or $50 max with no annual maximum
$500/1500 deductible for in/out of network
$20.00 co-pay Annual max. $2000 in network/$4000 out of network
Preventative Health Screenings are fully paid in network/60% out of network
RX -$5/$25/50% or $50 max with $1000 annual max
YOUR COST NEXT YEAR$154.72
YOUR COST NEXT YEAR$23.54SAVINGS each month
with OEBB:$130.18
OEBB Dental and Vision Plans match OEA Choice Trust Plan – no change
We are asking you to:Take this information back to your buildings
Talk up the upcoming all member meetings & voteMcKayTues. June 3
4:30-6:00
South Wed. June 4
4:30-6:00
WestThur. June 5
4:30-6:00
How do I get more information?
Talk to your building representativeCheck out www.salemed.orgCome to the presentations and vote
You can also vote at the SKEA office from 6:30 AM-3:00 PM Tuesday – Thursday, June 3,4,5.
McKayTues. June 3
4:30-6:00
South Wed. June 4
4:30-6:00
WestThur. June 5
4:30-6:00