Frequently Asked Questions: Plan Year 2013-2014
- When is open enrollment this year?
Open Enrollment runs August 15th to September 15th.
- When will changes to benefit plans be effective?
Any changes you make during Open Enrollment will be effective October 1st.
- Is there a period of forgiveness following the deadline?
- No. In order to make PCC’s payroll processing deadlines, September 15 is an absolute deadline for PCC employees, retirees, and dependents to enroll, opt out, or make changes.
- If I don't want to make any changes, do I have to enroll online this year?
Yes. This year's Open Enrollment is MANDATORY for all benefits-eligible employees, retirees and dependents. Many of the benefit plans are changing, so you must go online to enroll during Open Enrollment. If you don't select a medical plan or opt out online, you will be automatically enrolled in employee-only coverage under PCC's default medical plan.
- Do I have to enroll even if I opt out?
Yes. Every benefits-eligible employee, retiree and dependent must enroll online during this year's Open Enrollment, even if you opt out.
- How do I enroll or make changes to my benefits?
Use MyOEBB, the online system for enrollment and changes to your plan selections. There are two ways to access MyOEBB.
- Logon to MyPCC https://my.pcc.edu
- Click on the Employee Tab
- Click on My Health Insurance
- Logon to MyOEBB. If it’s your first time logging on, click on Register Here
Directly through the MyOEBB website:
- Go to https://myoebb.org
- Logon to MyOEBB. If it’s your first time logging on, see #4 above.
The OEBB website includes an updated guide to help you navigate through the MyOEBB system. In addition, HR/Benefits has scheduled online enrollment assistance sessions at locations across the district. The schedule is included in the PCC benefits Open Enrollment mailing (YELLOW ENVELOPE).
- What if I don’t remember my username and password?
Use the “Forgot your username/password?” button on the MyOEBB site rather than guessing. If you guess three times and don’t get in, you will need to contact OEBB to unlock your record.
- What will happen if I don’t make any selections during Open Enrollment?
If you don't make selections during Open Enrollment, you will be automatically enrolled in employee-only coverage under PCC's default medical plan. There will be no opportunity for change after the deadline on September 15th, unless you have a Qualified Status Change (birth, adoption, marriage/partnership, divorce, etc.) which allows tier changes within the selected plan. Your next opportunity to make enrollment changes will be at next year's Open Enrollment.
- What medical plans are available to PCC benefits-eligible employees?
There are four medical plans available to benefits-eligible employees at PCC: Kaiser Permanente and three Moda plans with different deductibles, coinsurance, etc. The premiums for each of the Moda plans (Plans C, E, and H) vary, with plan C having the highest premium. Plan H is an HSA-compliant plan and has the lowest premium.
- What is an HSA?
An HSA is a tax-advantaged account established to pay for qualified medical expenses for those who are covered under a High Deductible Health Plan. With money from this account, you pay for healthcare expenses until your deductible is met. Then, in accordance with the terms of your healthcare plan, your insurance company pays for covered expenses in excess of your deductible. Any unused funds are yours to retain in your HSA and accumulate toward your future healthcare expenses or your retirement. The federal government sets limits on the amount you can put into an HSA. In 2013, the limits are $3,250 single, $6,450 family. In 2014 the limits are $3,300 single, $6,500 family. OEBB has contracted with U.S. Bank as the preferred vendor for HSA accounts. For more information, go to www.mycdh.usbank.com/faq.html.
- Is this a new plan for PCC?
Yes. HSAs have been around for more than a decade, but this is first year such a plan has been offered to PCC employees.
- What are the advantages of an HSA?
- Your contributions are pre-tax or tax-deductible*
- Interest earned is tax-free
- Tax-free withdrawals may be made for qualified medical expenses
- Unused funds and interest are carried over, without limit, from year to year
- You own the HSA and it is yours to keep - even when you change jobs, health plans, or retire
*Contributions are tax-deductible on your Federal tax return. Some states do not recognize HSA contributions as a deduction. Your own HSA contributions are either tax-deductible or pre-tax (if made by payroll deduction). See IRS Publication 969. Consult a qualified tax adviser for advice.
- What is an FSA?
An FSA is a tax-advantaged account established to pay for qualified medical and/or dependent care expenses. Participants must reenroll each year and unused funds are forfeited. Open Enrollment for FSAs occurs in November. Part-time faculty members are eligible for a dependent care FSA only.
- If I select a medical plan and it doesn’t work for me, can I change my mind later?
No. Once the enrollment deadline on September 15th passes, your plan selections in MyOEBB cannot be changed until next year's Open Enrollment, unless you have a Qualified Status Change. It is important to think through your family's medical histories, the plan premiums and provisions, and past use of health benefits to determine the best choice for your circumstances. If you have questions, please call one of PCC's Benefits Specialists who can help you think through your selections. PLEASE NOTE: Benefits Specialists will not make specific recommendations; your choice of plans must be based on your individual needs.
- Are there opportunities outside of Open Enrollment to make insurance changes?
If you have a Qualified Status Change (QSC) during the plan year, you have 31 days from the time of the event to make a change to your PCC insurance. Timing is important, because after the 31-day window, no change can be made until the next Open Enrollment. Allowable changes include adding or dropping dependents, dropping all PCC coverage if you become eligible for other group coverage, or changing plans if you incur a 10% or greater premium cost increase. Contact HR/Benefits as soon as possible to ensure there’s no lapse in coverage. (For a complete list of QSCs, visit http://www.oregon.gov/oha/OEBB/docs/QSCMatrix.pdf.)
- I'm trying to figure out which plan is best for me and my family from a financial standpoint, but the terms associated with insurance confuse me. I don't understand coinsurance, copays, deductibles and out-of-pocket maximums. Who can help me?
Please review the benefits information online and in your benefits packet, including the plan comparison charts. Additional information is at http://www.pcc.edu/hr/benefits/, and a glossary of benefits terms is at http://www.pcc.edu/hr/benefits/glossary.html. If you still have questions, please attend a benefits presentation or contact a Benefits Specialist for assistance.
- Has the PCC “cap” (the college’s contribution towards the cost of insurance premiums) gone up this year?
Please see the chart below. The Cap is based on your tier of coverage for your medical plan. Part-time faculty members get a flat Cap of$406.25, regardless of the tier of medical coverage, and must be enrolled in a PCC medical plan to be eligible for dental. The Cap is pro-rated for all other part-time employees based on their FTE.
Tier Employee only Employee + spouse/partner Employee + child/children Empl + Spouse/Partner + Child/Children 2013 Cap $625 $1,145 $1,065 $1,350
- What is Healthy Futures?
When you logon to MyOEBB during Open Enrollment, you will be asked to complete an agreement to participate in Healthy Futures. If you say yes, your spouse or domestic partner also must agree to participate. Between now and May 31, 2014, you both need to complete a secure and confidential online health assessment provided by your medical carrier. To complete this step, logon to http://www.kp.org or http://www.modahealth.com/oebb. Based on the results of your health assessment, you will need to take two actions. These actions may include a tobacco cessation program, a weight management program such as Weight Watchers, a walking program, preventive services such as annual dental cleaning or a mammogram, and many more. Report your actions during Open Enrollment 2014 and you will receive a lower deductible in the 2014-2015 plan year.
- Do I need to select a pharmacy plan?
No. Pharmacy plans are included in the medical plans.
- I’m on a Moda medical plan. Can I go to any pharmacy?
You may go to any retail pharmacy. However, if you use a pharmacy that is affiliated with Moda, you likely will save money. The pharmacies identified on the Moda website have negotiated discounts with Moda for prescriptions.
- Do both Kaiser and Moda have mail-order pharmacies?
Yes. Both provide the convenience of receiving a 90-day supply of medications through the mail. Depending on the type of medication, many retail pharmacies will only dispense 30 days of medication at a time. With Moda mail order, you may receive 90 days of a value or generic prescriptions for two copays. With the Kaiser mail order, you may receive 90 days of generic and preferred brand name prescriptions for two copays.
- Are there changes to the dental plans?
No. The same four plans are being offered again this year: Moda Dental Plans 4 and 6, Kaiser Dental and Willamette Dental. All plans cover orthodontia except Moda Dental Plan 6. Please see plan comparison chart in your Open Enrollment packet for additional information.
- Can I get my teeth cleaned more than twice a year?
Under the Moda dental plans, pregnant women in the third trimester and diabetics are eligible for additional cleanings. To take advantage of these additional cleanings, you must sign up for the Oral Health Total Health program with Moda after you enroll in Moda Dental. Willamette Dental assesses a member's oral health when determining how many cleanings will be provided in a plan year. In some cases that could mean a single cleaning, in other cases more.
- How do I let Mods know that I want to be part of the dental program that allows up to four cleanings per year?
Contact Moda Dental Customer service for more information on Oral Health Total Health. An application form is required. OEBB Moda Dental contact numbers are Toll-free: 866-923-0410 and Local: 503-265-2910.
- Are part-time faculty eligible for dental insurance?
Yes. Part-time faculty members must enroll in a PCC medical plan in order to acquire dental coverage. No portion of the Cap will be applied to dental premiums.
- What is the waiting period?
If you do not enroll yourself or your dependents in dental or vision coverage the first time you are eligible, and enroll at a later time, the first year of coverage will pay for preventive care only, unless you lose other coverage due to a QSC.
- Which vision plans are available?
We offer two vision plans: Moda Vision Plan 1 and Kaiser Vision Plan 5. You must be enrolled in Kaiser medical to enroll in Kaiser Vision. See the plan comparison chart in your Open Enrollment packet for more information.
- May I increase my optional life insurance during Open Enrollment?
Yes. If you previously signed up for the optional life insurance, you may increase the amount of the policy by either $10,000 or $20,000 without providing proof of insurability until you reach the maximum guarantee issue of $100,000. Increases above the $100,000 level require you to provide proof of insurability by submitting a health statement.
- Will I need to complete new beneficiary forms if I increase my voluntary life insurance amount?
If you designated your beneficiary in MyOEBB last year, you don’t need to fill out a form again this year. However, if there have been changes in your personal life; i.e., marriage, divorce, etc., you should review and update your beneficiary form. Note: It’s a good practice to revisit beneficiary forms periodically as life circumstances change.
AD&D: (Accidental Death & Dismemberment)
- Is it possible to increase the amount of my optional AD&D plan?
- Yes. As long as you make the increase during the Open Enrollment period.
- May I enroll in Long Term Care (LTC) insurance during Open Enrollment?
Yes, but you will be required to provide proof of insurability. Go to to http://www.pcc.edu/hr/benefits/long-term-care.html for more information.
(EAP) Employee Assistance Program
- What is the name of our current Employee Assistance Program (EAP)?
- Reliant Behavioral Health (RBH) is the OEBB EAP provider.
- How can I contact RBH?
- Reliant Behavioral Services can be reached at 1-866-750-1327.
For more information, please contact one of the benefits specialists listed below.