Do we continue with:OEA Choice Trust as our Insurance

Provider?

Do we move to the State Insurance Pool (OEBB)?

HistoryBeen watching the OEBB developments

Encouraged folks to talk to members about OEBB

Waiting for renewal rates from OEA Choice Trust

Insurance Committee met several times

Waiting for rate plans from OEBB

•Created in 2007 by the Oregon Legislature HB 426

•Intended to pool education employees with insurance

•Charged with providing high-quality benefits to school employees at comparable prices

Moving to OEBB effective October 1, 2008 due to significant increases

of out of pocket insurance rates

OEBB Chooses ODS as Carrier

Great News for SKEA

Seamless transition to OEBB (minimal

disruption)

Current Medical Plans through OEA Choice Trust

MCP 15 – Medical/Alternate Care/RX

PPO 2 – Medical/Alternate Care/RX

PPO 3 – Medical Only/RX

Kaiser Permanente HMO - $10.00 copay/RX

Current ODS Dental Plan

Deductible – none

Annual Maximum - $2,200

Ortho – 80% to $1,500 Max

Current Vision Plan

•Deductible - None

•Plan Max - $350.00

•Exam – 100%•Frames – 100% every 12 months for child•Frames – 100% every 24 months for adult

•Lenses/contacts – 100% every 12

months

Name Comparisons of Plans•MCP 15 OEBB PPO Medical Plan 5•

PPO 2 OEBB PPO Medical Plan 7PPO 3 OEBB PPO Medical Plan 8Kaiser OEBB Kaiser HMO Medical Plan 1ODS Dental Plan A OEBB Dental Plan 1

Kaiser Dental Plan OEBB Dental Plan 8

ODS Vision Plan 350 OEBB Vision Plan 1

Life/AD&D and Long Term Disability Plans remain the

same with Unum (our current carrier)

What are the differences of the

comparable plans………. If any

MCP 15 to OEBB Plan 5 Differences

MCP 15 OEBB Plan 5No deductible in network and $300/600 deductible out of network

$15.00 office visit/co-payAnnual max. $2000 in network/$6000 out of network

Preventative Health Screenings paid @ 80% in network/60% out of network

RX - $10/$20/50% or $50 max with no annual maximum

$200/600 deductible for in/out of network

$20.00 co-pay Annual max. $1000 in network/$2000 out of network

Preventative Health Screenings are fully paid in network/60% out of network

RX -$5/$25/50% or $50 max with $1000 annual max

YOUR COST NEXT YEAR$244.50

YOUR COST NEXT YEAR$125.68SAVINGS each month

with OEBB:$118.82

PPO2 to OEBB Plan 7 DifferencesPPO 2 OEBB Plan 7No deductible in network and $500/1000 deductible in /out of network

$15.00 office visit/co-pay

Annual max. $3500 in network/$7000 out of network

Preventative Health Screenings paid @ 80% in network/60% out of network

RX - $10/$20/50% or $50 max with no annual maximum

$500/1500 deductible for in/out of network

$20.00 co-pay Annual max. $2000 in network/$4000 out of network

Preventative Health Screenings are fully paid in network/60% out of network

RX -$5/$25/50% or $50 max with $1000 annual max

YOUR COST NEXT YEAR$154.72

YOUR COST NEXT YEAR$23.54SAVINGS each month

with OEBB:$130.18

PPO 3 to OEBB Plan 8 DifferencesPPO 3 OEBB Plan 8

$1000/$3000 deductible in and out of network

office visit paid at %80 after deductible in network/60% out of network

Annual max. $5000 in network/$10000 out of network

Preventative Health Screenings 80% in network/60% out of network

RX – 50%or $50 max with no annual maximum

$1000/$3000 deductible for in/out of network

office visit paid at %80 after deductible in network/60% out of network

Annual max. $2000 in network/$4000 out of network

Preventative Health Screenings are fully paid in network/60% out of network

RX -$5/$25/50% or $50 max with $1000 annual max

YOUR COST NEXT YEAR$12.64

YOUR COST NEXT YEAR$12.64

Please see next slide for more information on these two plans.

PPO3/OEBB Medical Plan 8Board of Directors and Insurance committee recommends that this plan no longer be offered.

Rationale: PPO2 offers increased coverage for only $10.90 more a month than PPO3

PPO2 offers a comprehensive preventative care package

With PPO3 the members are not utilizing the total available premium contributions from the district, that PPO2 will accomplish

OEA Choice Kaiser to OEBB Kaiser HMO Plan 1 DifferencesKaiser OEBB Kaiser HMO Plan 1

No annual deductible $600/$1200 annual max deductible

Health Risk Assessment – not covered

Infertility – 50% RX - $20

No annual deductible $1000 annual max deductible Health Risk Assessment fully covered

Infertility – not covered RX - $10/$30

Kaiser (w/dental)YOUR COST NEXT YEAR$148.72

OEBB Kaiser HMO (w/dental)

YOUR COST NEXT YEAR$46.52

SAVINGS each month w/OEBB: $102.20

Kaiser (w/ODS Dental)YOUR COST NEXT YEAR: $135.35

OEBB Kaiser HMO (w.ODS Dental)

YOUR COST NEXT YEAR: $37.95SAVINGS each month

w/OEBB: $97.40

PPO2 to OEBB Plan 7 DifferencesPPO 2 OEBB Plan 7No deductible in network and $500/1000 deductible in /out of network

$15.00 office visit/co-pay

Annual max. $3500 in network/$7000 out of network

Preventative Health Screenings paid @ 80% in network/60% out of network

RX - $10/$20/50% or $50 max with no annual maximum

$500/1500 deductible for in/out of network

$20.00 co-pay Annual max. $2000 in network/$4000 out of network

Preventative Health Screenings are fully paid in network/60% out of network

RX -$5/$25/50% or $50 max with $1000 annual max

YOUR COST NEXT YEAR$154.72

YOUR COST NEXT YEAR$23.54SAVINGS each month

with OEBB:$130.18

OEBB Dental and Vision Plans match OEA Choice Trust Plan – no change

We are asking you to:Take this information back to your buildings

Talk up the upcoming all member meetings & voteMcKayTues. June 3

4:30-6:00

South Wed. June 4

4:30-6:00

WestThur. June 5

4:30-6:00

How do I get more information?

Talk to your building representativeCheck out www.salemed.orgCome to the presentations and vote

You can also vote at the SKEA office from 6:30 AM-3:00 PM Tuesday – Thursday, June 3,4,5.

McKayTues. June 3

4:30-6:00

South Wed. June 4

4:30-6:00

WestThur. June 5

4:30-6:00