| Open Enrollment Questions |
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| MyOEBB System |
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| Having difficulty logging into the enrollment system? |
| If you have registered before and you cannot log in, click on “Forgot User Name/Password?” on the left menu and follow the instructions. If you are new to the MyOEBB system, click “New Member Registration” on the left menu and follow the instructions. Also make sure you are using your first and last name as they appear on your paycheck. Double check you are using the correct birth date and identification number – you can use your E number, social security number or employee ID number. |
| I don’t have a computer or computer access or do not want to go online, what do I do? |
| Contact your educational entity and they will be able to assist you. |
| I forgot my log-in information. How do I get into the system? |
| Go to the MyOEBB home page and click the link “Forgot User Name/Password” third down on the left menu. You will need your first name, last name, date of birth, and either your E number, employee ID number, or your social security number. |
| What if I am having trouble with the MyOEBB enrollment system? |
| If your system is not responding as you expect, click on “Tools” in the menu bar and turn off your pop up blocker. The MyOEBB system requires pop-ups to display in order to function correctly. If your problem persists, contact OEBB at 1-888-469-6322. |
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| Do I need to enroll during Open Enrollment? |
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Do I need to enroll during Open Enrollment?
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You need to log in to MyOEBB during Open Enrollment, if:
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Your plan is no longer offered. OEBB eliminated Kaiser 2, and Providence 1 and 1A.
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You changed jobs or you were just hired.
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Your educational entity has changed the benefit offerings and your current plan will no longer be available to your employee group.
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You need to add or remove a dependent from coverage.
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You want to change plans.
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You want to enroll or change enrollment for optional life, accidental death and dismemberment (AD&D), short-term disability, and/or long-term disability insurance. See special guarantee issue information below.*
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You want to enroll for long-term care insurance (available if your educational entity has elected to offer long-term care to your employee group). You can enroll in long-term care insurance any time during the year and family members are also eligible to enroll. See guarantee issue information below.*
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You wish to confirm, add or change beneficiary information.
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You or a dependent are Medicare-eligible and need to notify OEBB.
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You want to add or update contact information.
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*Guarantee Issue Offering this Open Enrollment ONLY
Guarantee issue means up to a particular amount of coverage is available for purchase without requiring any medical information or proof of insurability.
The Standard is offering guarantee issue coverage for:
- Optional employee life (not available to early retirees) – coverage up to $200,000, in $10,000 increments
- Optional spouse/domestic partner (not available to early retirees) – coverage up to $30,000, in $10,000 increments
- Long-term disability insurance – guarantee issue if you are enrolling for the first time
- Short-term disability insurance – late enrollment penalty will be waived
UNUM is offering guarantee issue coverage for:
- Long-term care insurance – coverage up to $6,000 benefit per month for 6 years.
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| New for 2010-11 |
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Who is providing the new Employee Assistance Program to OEBB educational entities?
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Reliant Behavioral Health (RBH) has partnered with OEBB to provide an Employee Assistance Program (EAP) to OEBB educational entities starting Oct. 1, 2010. RBH will provide an affordable and comprehensive program that includes counseling, crisis response, supervisor resources and work-life balance services, all with a focus on wellness. Not all educational entities are offering this program. View the EAP Flyer or watch a video about the new program.
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If I am using EAP services before Oct. 1, 2010, can I continue with my same provider after that date?
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You can only continue if your provider is in the RBH network. If your provider is not, you can nominate them to join the network. Keep in mind, you have until September 30 to finish your counseling sessions and complete your goals with your current provider. Contact RBH to check if your provider is in-network, call 1-866-750-1327.
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Does the new Employee Assistance Program have a comparable network across the state or Oregon?
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Yes. Reliant Behavioral Health (RBH) has a robust network across Oregon. Feel free to call them with more details, 1-866-750-1327.
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Who is providing Long Term Care Insurance to OEBB educational entities?
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Starting Oct. 1, 2010, UNUM Life Insurance Company of America will be providing long term care insurance to all OEBB members. Long term care insurance (LTC) provides a monthly benefit amount when someone needs assistance with activities of daily living, such as bathing and dressing, due to an accidence, illness, or advancing age. Not all educational entities have chosen to offer this benefit.
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| Traveling during Open Enrollment? |
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What if I’ll be travelling over the entire Open Enrollment period? Can I submit my elections before I go or after I return?
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The MyOEBB system can be accessed from anywhere with internet access and a computer, so most members will be able to log in from wherever they may be during the Open Enrollment period. Even if you don’t have the web address with you, just do a search for Oregon Educators Benefit Board to find the OEBB homepage and use the link provided there. If you won’t have internet access during the Open Enrollment period, submit a paper enrollment form to your educational entity (either before you leave or during the Open Enrollment period) and they should be able to process your elections on your behalf. Any changes desired after the Open Enrollment period has ended will need to go through the formal appeal process.
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| Dependents |
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I can now add my married daughter to the plan. Can I add my grandchild also? How about my daughter’s husband?
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If you are legally responsible for the grandchild, you may add them to the plan. Your child’s spouse would not be eligible under your plan.
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If I’m covering a child age 25, when will their coverage end? Do I need to notify anyone when they turn 26?
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Covered dependents may remain on your plan through the end of the month in which they turn 26 years of age. You must notify your educational entity within 31 days of their 26th birthday requesting they be removed from the plan effective the first of the month following their 26th birthday.
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When my covered dependent turns 26, is there any way to continue purchasing coverage for them?
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After your dependent’s coverage is terminated in the MyOEBB system, BenefitHelp Solutions (BHS) will mail you COBRA information explaining the options and pricing for COBRA coverage, which is a continuation of the exact same coverage. Notifying your educational entity in advance of your dependent’s birthday will help you get this information sooner. Portability plans are also an option, which you can learn more about by calling your carrier directly. And of course, you can call any insurance provider to get a quote on an individual plan.
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As an early retiree, can I add dependents to my plan?
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Early retirees can only add dependents to their OEBB health plans within 31 days of a Qualified Status Change (QSC) event. For instance, if you adopted a child you may enroll your child by submitting a change form to your educational entity within 31 days of the adoption. View all the qualifying events.
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As an early retiree, can I add my 24-year-old adult dependent child during Open Enrollment (Aug. 15 – Sept. 15, 2010)?
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If your adult dependent child previously met eligibility requirements and you choose to not cover them, they are ineligible for coverage. However, you can enroll your adult dependent if they were ineligible for coverage prior to October 1, 2010, and now they meet the new dependent eligibility requirements. (See question below) You must contact your Educational Entity to add the dependent during Open Enrollment.
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My child is attending college in another state. What doctors can they go to?
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If a student/dependent lives outside of the service area, you will need to notify the insurance carrier and let them know that you have an out-of-area dependent.
- ODS: Services will be processed as “in-network” as long as they go to a provider within a 30-mile radius of their residence. Fees charged by out-of-area providers (more than 30 miles from their residence) will be considered “out-of-network” and will be reimbursed at the maximum plan allowable for those services.
- Providence: Services will be processed as “in-network” if your dependent goes to one of Providence’s national network providers.
- Kaiser: Students dependents temporarily living outside the Kaiser Foundation Health Plan service area can see any health care provider. The benefit is limited to $1,200 per calendar year. You must pay 20% of the actually fee the provider, facility, or vender charged for the services. You must also complete and submit the student out-of-area benefit form annually.
Be sure to contact your carrier before services are needed, so they have the correct information on file before a claim is submitted.
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| Plan Options |
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What are my medical plan choices?
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A chart comparing the plans available to you was included in your OEBB Open Enrollment Packet. If you did not receive your packet, or did not receive a chart in your packet, please contact the benefits office at your educational entity. When you log into the MyOEBB system during Open Enrollment, you will only see the options available to your employment group.
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I‘m looking at my plan options, but the plan I want isn’t there. Is this a mistake?
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The plan choices available to your employee group were selected by your educational entity. There are a few reasons why you may not see a plan you expect to see:
- Your educational entity may have changed the plan offerings available to your employment group and the plan you’re looking for will not be available to you in 2010-11.
- If you’re looking at a paper chart comparing the plans, your employment type may have been different in the MyOEBB system when the materials were printed. Contact your educational entity to verify whether your materials are correct for your current employment type.
- If you’re looking in the MyOEBB system and don’t see the plan you wish to elect, verify with your educational entity that your employment information is correct.
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Is my doctor in-network with ODS Health Plans or Providence Health Plans?
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Below are the links that will take you to the provider directory or search features on the carriers’ Web sites.
ODS Health plans:
Provider Search
Providence Health Plans:
Provider Search Provider Directory
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Are there any pre-existing limitation conditions on the OEBB plans?
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No, OEBB plans do not have any pre-existing condition limitations. Note: The ODS medical plans do not cover transplants during the first 24 months a person is enrolled in the plan, but this is true regardless of whether the condition began before or after the person enrolled and therefore is not considered a “pre-existing condition limitation”.
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What is the difference between opting out and waiving benefits?
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Opting-out of coverage is when an employee decides not to enroll in an OEBB medical plan and receives a financial incentive for doing so. You must have other group medical coverage for yourself and your eligible dependents if you choose to opt out of the OEBB medical coverage. Provide proof of your other coverage to your educational entity within five days of opting out of medical.
Waiving coverage is when an employee decides they do not want benefits and they do not receive any financial incentive. However, please check with your educational entity to obtain further information regarding these options and requirements as they may vary.
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| Premium Rates |
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| What will each plan cost me out of my paycheck? |
| It’s important to note that only your educational entity can provide your actual out-of-pocket cost for each of your benefit options. Some entities have provided out-of-pocket rate sheets which are available in the MyOEBB system under the Resource link on the left. If your out-of-pocket costs are not available in the MyOEBB system, please contact your educational entity. |
| You didn’t send the rates in my Open Enrollment packet, how can I find them? |
Only your educational entity can provide the actual amounts you will pay out-of-pocket (see question 2 above). However, if you’d like to view the total premiums for each OEBB plan (which the entities will pay) you can click here to view the rates online.
You can also compare up to four plans at once using the premium and plan comparison tool which allows you to type in the contribution your entity makes toward your premium to see the balance of premium remaining. (Click “enable macros” if prompted and use the drop downs to select the plans you want to compare.) Keep in mind this amount may not match your exact out-of-pocket cost if you select this plan, since many entities bundle other benefits into the package and may provide other financial subsidies, etc. This tool is designed to help you compare the benefits and the relative value of the plans by providing an estimated cost.
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| Enrollment |
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| Which plan should I enroll in? |
| When it comes to healthcare for you and your family, the right plan depends on your health care needs, your provider preferences and which plans are available to you. OEBB has developed tools to help you make your decision. Download the premium and plan comparison tool; if prompted, click “enable macros” and use the drop downs to select the plans you want to compare. The spreadsheet will automatically populate with the monthly premium cost (not necessarily your out-of-pocket cost -- see question 3 above) and the benefit summary for each plan design. When comparing cost, it will be helpful to know how much your educational entity contributes towards your monthly premium. |
What happens if I previously chose not to enroll in dental and/or vision coverage, but now I want to enroll for 2010-11?
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Members who do not enroll in the dental and/or vision plans when originally eligible and elect to enroll during Open Enrollment, will be subject to a 12-month waiting period. During the 12-month waiting period, dental coverage will cover only diagnostic and preventive services. Fillings, crowns, orthodontia, etc. will not be covered. Similarly, vision plans will only cover eye exams during the 12-month waiting period. Lenses and hardware will not be covered. After the initial 12-month waiting period has passed, full benefits will resume as long as you maintain your coverage.
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What if I chose not to enroll in dental and/or vision coverage because I had other group coverage, but then I lose my other group coverage?
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The 12-month waiting period for routine services does not apply due to loss of other group coverage. Loss of coverage is considered a Qualified Status Change (QSC) and you are allowed limited mid-year changes to your enrollment. If you experience a QSC, you must report it to your educational entity within 31 days of that event. Learn more about what qualifies as a QSC.
If your loss coincides with Open Enrollment, you will need to provide your educational entity with proof of the loss of other coverage as soon as possible. Your educational entity can then contact OEBB, verify that the change is due to a Qualified Status Change (QSC) rather than Open Enrollment and OEBB staff can update your enrollment record so you won’t be subject to the 12-month waiting period. If you do not take these steps, the MyOEBB system will automatically apply the 12-month waiting period to anyone enrolling in dental and/or vision coverage who was previously eligible but not enrolled.
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Will my deductibles and out-of-pocket amounts start over on October 1?
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Deductibles, maximum out of pocket amounts and benefit maximums will all be reset as of October 1, 2010 and will run through September 30, 2011.
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What if I am (or one of my covered dependents is) travelling and needs medical attention?
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Call your medical carrier to determine which providers and services will be covered at what level. They can also help you locate an appropriate facility for your situation. Depending on the location and availability of providers, you may need to pay cash and submit the receipt to the carrier for reimbursement.
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What if I’m planning a long trip and need to stock up on prescriptions before I go?
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Call your medical carrier as early as possible before your trip and explain the situation. Sometimes the logistics can be tricky, especially if your plan is changing mid-trip or if you’re travelling in a remote area with limited mail delivery. Whatever the details may be, the carriers hold your health as their top priority and can often come up with very creative solutions to get you the medication you need.
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Which plans require a referral to see a medical specialist?
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For Kaiser Permanente, members may self-refer for outpatient drug and alcohol treatment, outpatient mental health, cancer counseling, optometry, obstetrics/gynecology, occupational health, and social work. Generally, for other specialty services, a referral is needed to see a specialist for the first time.
For Providence and ODS, you never need a referral to have a specialist visit covered; however, some specialists may require a referral before they will schedule your appointment. Authorizations may be required depending on the provider and the service.
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Do I have to choose Kaiser Permanente dental coverage or vision coverage if I choose Kaiser Permanente medical coverage?
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No. You may choose any dental or vision plan when you choose Kaiser medical.
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Do I have to choose Kaiser Permanente medical coverage if I choose Kaiser Permanente dental and/or vision coverage?
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Yes. You must have Kaiser medical coverage through OEBB to enroll in Kaiser vision for you or any of your dependents. You must have Kaiser medical through OEBB or another employer to choose a Kaiser dental plan for yourself or any eligible dependents.
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