How to Enroll or Opt Out of Medical Benefits
Whether you are enrolling in benefits as a new hire, changing benefits during Open Enrollment, or opting out of PCC benefits altogether, you must complete the process by using MyOEBB.
Choosing a Plan
Selecting the best health plans for you and your family can be challenging. Over time, both your personal circumstances and plan provisions may change. For that reason, you are encouraged to review the current plan offerings and revisit the plan selection decisions you previously made. This section offers some tips and guidance on things that may be important to you.
Step 1) Review your Cost Sheet:
You will pay part of the cost of your care. This may come in various forms, such as:
- paying part of the premiums
- paying a copayment at the doctor’s office
- paying coinsurance – your share of the bill (plan pays X%, patient pays Y%)
- paying for the full cost of the care until you have met the deductible
- paying for services when the billed amount is more than the health plan allows
Choice: Each plan offers a choice of physicians, clinics, hospitals and other providers. If you have strong preferences about providers, make sure the ones you want to use are in the provider network associated with the plan you choose.
Covered Services: Plans differ in what they cover. Consider which plans are best for the treatments you prefer. If you have other coverage available, you may want to compare the PCC plan with your other plan to determine whether they duplicate services and, if so, how benefits are coordinated.
Service: Plans and providers offer varied service levels. They are not all equally responsive to patient needs.
Step 3) If you are a new hire, attend a benefits orientation session. If you are enrolling during annual Open Enrollment, read your Open Enrollment materials.
Step 4) Complete your online enrollment in MyOEBB.
Opting out of PCC insurance
If you have other group medical insurance, you may opt out of PCC insurance. To opt out you must log in to MyOEBB, select opt out, and provide your other coverage information. If you opted out in the past, you must go to MyOEBB each Open Enrollment to verify that your other insurance information is still valid.
Eligible employees who opt out of medical, dental and vision insurance will receive up to $200 per month (prorated for part-time employees) as an opt out incentive. The opt out incentive is taxable income. Part-time faculty may opt out if they are covered by another individual or group medical plan, but they are not eligible for the opt out incentive.
Part-Time Faculty Eligibility Requirements
Part-faculty members who are eligible for benefits receive Open Enrollment information in early August, and must log on to MyOEBB between August 15 and September 15 each year.
Outside of Open Enrollment, PCC employees may add or drop insurance for themselves and their dependents only within 31 days of a qualified status change. See Guidelines for Mid-Year Changes.
Special Categories and Situations
Employees who retire from PCC may retain their group coverage on PCC’s health plans, with certain restrictions, until they reach age 65 and become eligible for Medicare. Retirees pay the full cost of premiums based on the rate for active employees unless they are eligible for a PCC contribution under the applicable labor agreement or PCC policy. Retirees are not eligible for the health insurance opt out incentive. In general, to continue on a PCC retiree group plan after retirement the employee must be receiving PERS retirement benefits. For retirees with Kaiser, that coverage will terminate if the retiree permanently moves outside the Northwest Kaiser Service Area. You may switch to Moda at that time.
Domestic Partner Coverage
Domestic partners are currently permitted to participate in nearly all of PCC’s benefit programs. The only restrictions occur in cases where the federal government or state does not recognize domestic partnerships, which typically affects taxability of benefits. You must submit a completed Certificate of Domestic Partnership for your domestic partner to participate in benefit programs. The Domestic Partner benefits website provides additional information and a link to the certificate.
Please see Reconstructive Surgery Notice.