Plans, Prices and Contributions for Licensed Employees
2023-2024 Plan Year (October - September)
as per NWEA Memorandum of Agreement will be posted once finalized
How much will my benefits cost?
The ESD's monthly contribution toward Medical, Dental, and Vision premium costs is $1498 per month (monthly cap) for Licensed employees working .5 FTE and above (prorated by FTE). Employees who work less than 20 hours per week (=<.49 FTE) are not eligible for insurance benefits.
DISTRIBUTION OF "POOLED FUNDS"
The Licensed union has created a "pool" to cover premium costs that go over the monthly cap ($1498) and shall be administered as follows (prorated by FTE):
Second: Members enrolled for benefits as “Employee Only”
Third: Members enrolled for benefits as “Employee +Child(ren)”
Fourth: Members enrolled for benefits as “Employee +Spouse”
Fifth: Members enrolled for benefits as “Full Family”
The ESD also pays premiums for all insurance eligible Licensed employees on the following plans, enrollment in these plans is required:
1. Basic Life & AD&D Insurance ($10,000 policy)
All benefit eligible employees automatically have access to the following:
EAP - Employee Assistance Plan through Uprise Health (access code: OEBB)
The Life Services Toolkit
Travel Assistance
Workplace Possibilities
The ESD's monthly contribution toward Medical, Dental, and Vision premium costs is $1498 per month (monthly cap) for Licensed employees working .5 FTE and above (prorated by FTE). Employees who work less than 20 hours per week (=<.49 FTE) are not eligible for insurance benefits.
DISTRIBUTION OF "POOLED FUNDS"
The Licensed union has created a "pool" to cover premium costs that go over the monthly cap ($1498) and shall be administered as follows (prorated by FTE):
- The district contribution will first be applied against all eligible members’ medical insurance premiums.
- Any remaining funds will be divided equally by FTE and applied against members’ remaining medical insurance premium.
- Any remaining funds will be “pooled.” The pool will be applied to members medical insurance premiums distributed from the lowest to highest out of pocket premium.
- If there are “pool” dollars remaining after medical premiums are paid, the pool will be applied to pay dental and vision premiums distributed in the following order:
Second: Members enrolled for benefits as “Employee Only”
Third: Members enrolled for benefits as “Employee +Child(ren)”
Fourth: Members enrolled for benefits as “Employee +Spouse”
Fifth: Members enrolled for benefits as “Full Family”
The ESD also pays premiums for all insurance eligible Licensed employees on the following plans, enrollment in these plans is required:
1. Basic Life & AD&D Insurance ($10,000 policy)
All benefit eligible employees automatically have access to the following:
EAP - Employee Assistance Plan through Uprise Health (access code: OEBB)
The Life Services Toolkit
Travel Assistance
Workplace Possibilities
Available plans - links to plan brochures will be posted once available.
Incentivized benefit options
Opt-out incentives
Option 1: An NWEA Member who is eligible for benefits and chooses to “opt-out” of all health benefits coverage (medical, dental, and vision) shall receive five hundred dollars ($500*) per month contributed to a qualified HRA/VEBA plan in accordance with IRS rules for use. *This amount is prorated for FTE.
Option 2: An NWEA Member who is eligible for benefits and chooses to "opt-out" of medical insurance but elects to enroll for dental and/or vision coverage shall receive three hundred dollars ($300*) per month contributed to a qualified HRA/VEBA plan in accordance with IRS rules for use. *This amount is prorated for FTE.
If you plan to take advantage of the "opt out" incentive above, you must complete an HRA VEBA Enrollment Form and submit it to Human Resources. For HRA/VEBA plan information, please visit www.hraveba.org
MODA PLAN 3 and KAISER 2A Plan HRA incentives
Members who are enrolled in Moda Plan 3 or Kaiser 2A plans will receive a contribution into an American Fidelity Health Reimbursement Arrangement (HRA) in the following amounts (prorated for FTE):
MODA Plan 3 Contribution KAISER 2A Contribution
Employee only: $825 Employee only: $1300
Employee + Spouse: $1500 Employee + Spouse: $2500
Employee + Child(ren): $1500 Employee + Child(ren): $2500
Employee + Spouse + Child(ren): $2250 Employee + Spouse + Child(ren): $3000
HRA funds shall be distributed per the following schedule:
Please note: HRA account balances not used during the benefit year are retained in the employee's HRA account. HRA funds are “NOT portable”. Consecutive continuous enrollment in an HRA qualifying plan is required to maintain account balance. Any remaining account funds will be returned to the licensed pool upon separation from NWRESD or enrollment in a non-qualifying plan.
Members who are enrolled in Moda Plan 3 or Kaiser 2A plans will receive a contribution into an American Fidelity Health Reimbursement Arrangement (HRA) in the following amounts (prorated for FTE):
MODA Plan 3 Contribution KAISER 2A Contribution
Employee only: $825 Employee only: $1300
Employee + Spouse: $1500 Employee + Spouse: $2500
Employee + Child(ren): $1500 Employee + Child(ren): $2500
Employee + Spouse + Child(ren): $2250 Employee + Spouse + Child(ren): $3000
HRA funds shall be distributed per the following schedule:
- One-third will be deposited on or about October 15, 2023, and
- the remaining two-thirds will be deposited on or about January 15, 2024.
Please note: HRA account balances not used during the benefit year are retained in the employee's HRA account. HRA funds are “NOT portable”. Consecutive continuous enrollment in an HRA qualifying plan is required to maintain account balance. Any remaining account funds will be returned to the licensed pool upon separation from NWRESD or enrollment in a non-qualifying plan.
HIGH DEDUCTIBLE – HEALTH SAVINGS ACCOUNT (HSA) ELIGIBLE PLAN INCENTIVES:
Members who select HSA Compliant plans (Moda Plan 6, or Kaiser 3) will receive a contribution to a Health Savings Arrangement (HSA) account in the following amounts (prorated for FTE):
MODA Plan 6 Contribution KAISER 3 Contribution
Employee only: $2000 Employee only: $3450
Employee + Spouse: $4000 Employee + Spouse: $6000
Employee + Child(ren): $4000 Employee + Child(ren): $6000
Employee + Spouse + Child(ren): $5000 Employee + Spouse + Child(ren): $6900
HSA funds shall be distributed per the following schedule:
Health Savings Account balances can continue to accrue and carry over from year to year, and are "portable", going with the member upon separation from NWRESD.
Employees who select a QHDHP and determined their eligibility for a Health Savings Account must complete an American Fidelity Application and Custodial Agreement and fax it to Human Resources at 503-614-3186.
**To be eligible for an HSA, you must establish that you are not: Being claimed as a dependent on another's tax return Covered under any other health plan that is not a Qualified High Deductible Health Plan (QHDHP) Covered under any other type of health benefit that covers some of the medical expenses that are covered by a QHDHP Enrolled in Medicare (Not intended to be a complete list).
Members interested in selecting a Qualifying High Deductible Plan (QHDP) should seek additional information about their eligibility for a Health Savings Account by contacting American Fidelity Health Services Administration at 1-866-326-3600 or by email hsa-support@af-group.com.
Members who select HSA Compliant plans (Moda Plan 6, or Kaiser 3) will receive a contribution to a Health Savings Arrangement (HSA) account in the following amounts (prorated for FTE):
MODA Plan 6 Contribution KAISER 3 Contribution
Employee only: $2000 Employee only: $3450
Employee + Spouse: $4000 Employee + Spouse: $6000
Employee + Child(ren): $4000 Employee + Child(ren): $6000
Employee + Spouse + Child(ren): $5000 Employee + Spouse + Child(ren): $6900
HSA funds shall be distributed per the following schedule:
- One-fourth will be deposited on or about October 15, 2023, and
- the remaining three-fourths will be deposited on or about January 15, 2024.
Health Savings Account balances can continue to accrue and carry over from year to year, and are "portable", going with the member upon separation from NWRESD.
Employees who select a QHDHP and determined their eligibility for a Health Savings Account must complete an American Fidelity Application and Custodial Agreement and fax it to Human Resources at 503-614-3186.
**To be eligible for an HSA, you must establish that you are not: Being claimed as a dependent on another's tax return Covered under any other health plan that is not a Qualified High Deductible Health Plan (QHDHP) Covered under any other type of health benefit that covers some of the medical expenses that are covered by a QHDHP Enrolled in Medicare (Not intended to be a complete list).
Members interested in selecting a Qualifying High Deductible Plan (QHDP) should seek additional information about their eligibility for a Health Savings Account by contacting American Fidelity Health Services Administration at 1-866-326-3600 or by email hsa-support@af-group.com.
Optional Plans available from OEBB
Employees who choose to enroll in optional plans will pay the full monthly premium of those plans through payroll deduction .
Click on the hyperlinks below to learn more about each optional plan
Short Term Disability Insurance
Optional Life Insurance Rates
Optional AD&D
Long Term Care - premium calculator
Click on the hyperlinks below to learn more about each optional plan
Short Term Disability Insurance
Optional Life Insurance Rates
Optional AD&D
Long Term Care - premium calculator
Enrollment is required of all benefit eligible employees
For medical, dental, vision, life, accidental death and dismemberment, and long term disability insurance, you must enroll online in the OEBB system within the specified enrollment time-frame.
For medical, dental, vision, life, accidental death and dismemberment, and long term disability insurance, you must enroll online in the OEBB system within the specified enrollment time-frame.
- New Employees: Review the benefit information and enroll within 31 days of benefit eligibility in MyOEBB
- Open Enrollment: Your annual opportunity to make changes to your current plans. The Open Enrollment period begin August 15, 2023 and ends September 15, 2023. You must enroll or "opt out" by the end of the open enrollment period.
- Mid-Year Changes: Certain Qualified Status Changes allow such as the birth or adoption of a child, marriage, newly formed domestic partnership, or loss of other coverage may permit insurance enrollment. Complete the Mid-Year Change Form and send it to Human Resources within 31 days of the event.
