Western Oregon University, through the Public Employees Benefit Board, (PEBB) offers a comprehensive benefit plan for eligible employees and their families. This plan includes core benefits of medical, vision, dental, basic life insurance, as well as several optional benefits. Employees with other group medical or dental coverage may elect to opt-out of the medical and dental plans and receive limited cash back.You may also decline benefits entirely.
Currently, the University pays a 95% employer contribution toward the cost of employees total monthly premium for their core benefits, employees pay the other 5% contribution. Employees pay the full premium cost of any optional benefits they may choose.
Classified employees with a base monthly salary rate less than or equal to $2816 as of December 2011, will receive an additional monthly premium subsidy of $40 toward their premium cost.
Eligible part-time Classified employees receive a pro-rated employer contribtution based on the number of hours worked or in a paid leave status during the pay period. Part-time employees must pay the difference between their benefit amount and the cost of the premiums for their choice of medical and dental plans. Part-time employees may be eligible for a monthly premium subsidy based on the medical plan enrollment.
Currently, employees may choose between four medical/vision plans:
PEBB Statewide Plan (Providence PPO)- offered throughout the state of Oregon.
Providence Choice HMO Plan - available to employees who live or work in Multnomah, Clackamas, Clark, Curry, Deschutes, Lane, Linn-Benton, Marion Polk, Washington, and Yamhill counties.
Kaiser Traditional HMO Plan or Kaiser Dedcutbile HMO Plan - employees must live in the HMO service area and coordinate medical care through a Kaiser facility.
Vision coverage is included with all full-time medical plans. Providence plans have VSP Vision Plan , Kaiser plans have Kaiser Vision Plan.
Health Engagement Model
Signing up for the HEM program gives you and your spouse or partner lower monthly deductions for health coverage and important tools for better health.See the HEM Program Page for more information.
Tobacco Use Program
Employees enrolled in a medical plan who use tobacco have a deduction to help offset the risks they bring to the group. For employees and/or their covered spouse/domestic partner who use tobacco there is a monetary monthly deduction. Tobacco users can stop the deduction if they quit using tobacco mid-year.
If an employee covers a spouse or domestic partner on their plan and their spouse or partner waives coverage offered by their employer, it shifts risk and costs to PEBB. Employees to whom this applies have a monthly deduction.
PEBB sponsors four dental plans:
Moda Health Traditional Plan - provides nationwide coverage, employees may choose any dentist.
Moda Health Preferred Plan - providees coveage under a select list of dentists.
Willamette Dental Group - a dental health maintenance organization with select locations thoughtout the Willamette Valley.
Kaiser Permanente Plan - employees must live in the service area and coordinate dental care through a Kaiser facility.
Benefit eligible employees will automatically receive $5,000 of basic life insurance coverage with enrollment through The Standard.
Optional Life Insurance
Benefit eligible employees may elect for additional life insurance coverage through The Standard. Optional life insurance is available up to $600,000 for employee's coverage and $400,000.00 for spouse/domestic partner coverage. The first $45,000 of employee life insurance is paid on a pre-tax basis. Amounts above $45,000, and spouse life insurance, are deducted on a post-tax basis
Short Term & Long Term Disability Insurance
PEBB offers a short-term disability plan, and long-term disability coverage to our employees through The Standard. Disability plans offer income protection during times when an employee is unable to work due to an injury or illness. Premiums for disability insurance are paid on a post-tax basis, and rates vary depending on the plan(s) chosen and gross monthly salary. Accidental Death and Dismemberment insurance is also available for employees and family.
Long Term Care Insurance
Unum's Long Term Care Insurance pays benefits when you require substantial assistance with two out of six activities of daily living. Once you qualify, you will receive the monthly benefit you selected, even if your benefit payment exceeds the actual monthly charge you incur. When your plan pays a benefit, you can use the money to meet the needs that you decide are most important. How and where you receive services depends on your needs, family situation, finances, and plan selection. Employees can enroll in Long Term Care at any time.
Medical/Dependent Flexible Spending Accounts
Any benefit eligible employee may establish a flexible spending account to use pre-tax income to pay for eligible healthcare and dependent-care expenses. Employees may enroll in accounts within 30 days of initial date of hire, during Open Enrollment, or within 30 days of and consistent with a qualified status change. FSAs are "use it or lose it"accounts. If your expense is less than the amount that you deposit for the year you will forfeit the balance.
Employee Assistance Program
The Employee Assistance Program (EAP) is a confidential counseling and referral service that is provided to WOU employees as a pre-paid benefit. Three referral/counseling visits are available at no charge to WOU employees, household members, and dependents per year to help with personal or job-related issues. This service is completely confidential and operates separately from the University.
Opt-Out / Decline Benefits
Employees may opt-out of either medical/vision coverage only, or combined medical/vision and dental coverage. Employees receive a cash incentive for not enrolling in a medical/vision plan or combined opt-out plan. Cash back is subject to Federal, State, and Social Security taxes. The medical/dental opt-out amount is $193.50 per month less the cost of employee basic life insurance of $1 per month. Thus, you will receive $192.50 per month in cash back. Medical plan only opt-out is $233 per month less the cost of dental plan and employee basic life insurance, you will receive approximately $150-$170 per month cash back depending on the dental plan chosen and your coverage tier.
To be eligible to opt-out you must be covered by another employer sponsored health insurance program or employer sponsored health and dental programs. Other group coverage does not include Medicare, Medicaid, Veterans Administration Health Benefits, Student Health Benefits, or an individual plan. You must provide proof of other employer coverage.
If you opt out of medical/dental coverage you must still enroll in basic life insurance and may still enroll in any of the PEBB optional insurance coverage.
You may decline coverage all together. If you decline coverage, you are declining enrollment in the CORE benefits (medical/vision, dental and employee basic life insurance). You will also not be eligible to enroll in any of the other PEBB optional insurances.
For a more detailed overview of our benefits options and benefit rates please see PEBB's Summary Plan Description.