Key changes for 2025-2026
The following information highlights the primary changes, effective October 1, 2025. More details, including an are available on the PCC Benefits page and at OEBBinfo.com. Be sure to check out the OEBB comparison tool and the OEBB enrollment guide.
Premium and Cap changes
Premium changes are effective October 1, 2025. See the cost sheet for details. The 2025/2026 Cap amount has not been determined by the current negotiations process. Until the agreements are final, the College will continue to make the current Cap contributions.
Medical and pharmacy plan changes
Kaiser
- Deductibles: For Kaiser Plan 1, members will now need to pay a $400 individual deductible, $800 family deductible, for some services before the plan pays. For Plans 2B and 3, the individual deductible will go up by $200. For all plans, family deductibles will now be twice the individual amount. Some plans will have lower amounts for families than in past years.
- Out-of-pocket maximums: For all plans, the individual out-of-pocket maximum will increase by $200 per year. Family out-of-pocket maximums will now be twice the individual amounts. Some plans will have lower maximums for families than in past years.
- Office visits: Copays for primary care, specialist, and other office visits will increase by $5 for Plans 1 and 2B.
- Lab, X-ray, and diagnostics: The copay for these services will go up by $15.
- Specialty scans: Copay amounts for specialty scans will increase – Plan 1 by $30 and Plan 2B by $20.
- Coinsurance: Plan 1 will now require a deductible plus coinsurance for some services. These include inpatient and outpatient hospitalizations and emergency room visits. The coinsurance will be 20% after the deductible.
- Fertility coverage: Assisted reproductive technologies (ART), such as in vitro fertilization, will be covered up to specified limits under the current fertility benefit.
- Bariatric surgery: Members won’t need to pay the $500 Additional Cost Tier (ACT) copay for this surgery.
- Breast cancer screenings: Members won’t need to pay the deductible for supplemental breast cancer screening imaging for Plan 3.
Moda
- Deductibles: For all plans, the amount that individuals need to pay for some services before the plans pay will go up by $300. Family deductibles will now be twice the individual deductibles (based on the individual non-coordinated care amount). Some plans will have lower amounts for families than in past years.
- Out-of-pocket maximums: For all plans, the individual out-of-pocket maximum will increase by $900 per year. Family out-of-pocket maximums will now be twice the individual amounts (based on the individual non-coordinated care amount). Some plans will have lower maximums for families than in past years.
- Office visits: For Plans 2 and 3, copays for primary care, specialist, and other office visits will increase by $5.
- Breast cancer screenings: Members in Plans 6 won’t need to pay the deductible for supplemental breast cancer screening imaging.
- Nurseline: This service will no longer be available. Teladoc and CirrusMD continue to offer similar care options.
- Introducing Garner: Available to all Moda members. This program can help members find top doctors based on quality and cost. When members see a doctor recommended by Garner, they can get some of their out-of-pocket costs back, up to a plan year limit of $700 for individual coverage or $1,400 for family coverage. Special rules apply for FSA and HSA participants.
Dental plan changes
Kaiser
- Annual dental benefit maximum: The maximum amount the plan will cover in a year will decrease from $4,000 to $3,000.
Vision plan changes
Kaiser
- Routine eye exams: For medical Plans 1 and 2B, the copay will go up by $5.
Other plans
No changes to EAP, Opt Out Incentive, Optional Life, Optional Accidental Death and Dismemberment, and Optional Long-Term Care plans. The $5 per month surcharge for full-time subscribers who are double covered on medical plans through OEBB or PEBB will continue.