Medical, Dental and Vision

Medical, Prescription and Vision Insurance

Employees and their eligible dependents can choose from the following 3 medical insurance options. All of them include vision and prescription coverage.

Medical and Dental Plan Comparison - PDF.

Blue Cross Blue Shield (PPO)

Employees can choose from a national network of Blue Cross Blue Shield providers.

  • Monthly employee cost:
    • $42 for individual employee.
    • $86 for employee + spouse (or dependents).
    • $120 for family.
  • Annual deductible: $250 per individual, $500 maximum per family.
  • Prescription benefits are provided through Express Scripts.
  • Vision benefits provided through VSP.
Kaiser Deductible (HMO)

Employees choose a primary care physician and obtain all services through Kaiser Permanente.

  • Monthly employee cost:
    • Monthly employee cost: $0
    • Annual Deductible: $250 per individual employee, $750 maximum per family
    • Prescription and Vision benefits provided through Kaiser Permanente.
Health Savings Account Plan

High Deductible Health Plan administered through Blue Cross Blue Shield for medical and prescription coverage. Vision coverage is provided by VSP.

  • Monthly employee cost:
    • Health Savings Account is administered through EBDS bank. In addition to pre-tax payroll contributions made by employees, OSM contributes $750 per individual employee and $1,500 per family.
    • Annual Deductible: $1,500 per individual employee, $3,000 per family
    • Prescription discounts through Medco.

Dental Insurance

Employees and their eligible dependents can choose between 2 dental plans regardless of their choice of health coverage.

Oregon Dental Service (ODS)

Employee chooses from a network of providers.

  • No copays for office visits.
  • Plan pays 100% of preventative and 90% of basic restorative services.
  • Annual Deductible = $50 per individual employee, $150 maximum per family.
  • Calendar Year Maximum $2,000 per person.

Summary Plan Description - PDF

Kaiser Permanente Dental

Employee obtains services through Kaiser Permanente.

  • $5 copay per visit.
  • $25 copay for Emergency/Urgent Services.
  • Plan pays 100% of preventative and basic restorative services.
  • No Annual Deductible.
  • Calendar Year Maximum: $2,000 per individual.

Flexible Spending Accounts

These accounts allow employees to use pre-tax money to pay for family medical, dental, and vision expenses not covered by insurance, e.g. deductibles and co-payments, up to $5,000 per year. They can also be used for child/eldercare expenses up to $5,000 per year.

  • Expenses may be incurred until March 15th of the year following the plan contribution year.
  • All claims must be submitted for reimbursement before May 15th or funds will be forfeited according to Federal Law.
  • These accounts are managed through Flex Plan Services.
  • Use the BennyTM Debit Card to pay your provider directly for qualified medical care expenses.