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Healthy Futures: Frequently Asked Questions (FAQ)

Q: Do I have to participate in Healthy Futures?

A: No. Everyone who is eligible for OEBB benefits and wishes to continue benefits beyond September 30, 2013, needs to log in to the MyOEBB system to make their plan selections.  Part of that process includes a step where you will be able to CHOOSE to participate in the optional Healthy Futures program. You simply need to select yes or no.
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Q: What will happen if I select "NO -- I don't want to participate"?

A: Nothing, other than you may receive some reminder notices asking if you’d like to change your mind. You will be able to log in to the MyOEBB system and change your Healthy Futures election anytime through March 31, 2014.

 

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Q: What will happen if I select "YES -- I want to participate"?

A: You will see a link to the Health Assessment available through your medical plan carrier right there in the MyOEBB system. The link will take you to a log-in screen for your carrier’s website and you can complete your Health Assessment right then, if you’d like, or you can wait and do it later. You will have through May 31, 2014, to complete the Health Assessment. You will also need to complete two “actions,” and you will have until August 15, 2014 to complete those actions. Then when you log into MyOEBB next Open Enrollment to make your 2014-15 plan selections, you’ll be asked to report the two actions you took. Everyone who successfully completes these steps will receive a $100 lower deductible on their 2014-15 OEBB medical plan (up to $300 lower for a family of three or more).

 

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Q: Will my deductible really be lower if I participate, or will the 2014-15 deductibles actually increase for everyone who doesn't participate?

A: The OEBB Board and Healthy Futures Workgroup discussed this detail at great length before approving the Healthy Futures program. Board and Workgroup members felt it was extremely important to truly reward those who participate, not to punish those who don’t. There’s no way to guarantee what will happen in the future, but the Board fully intends to lower the deductible for those who participate in Healthy Futures during the 2013-14 plan year. 

 

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Q: Kaiser Medical Plan 1 doesn't have a deductible. What reward do people in that plan get?

A: Qualifying participants who enroll in Kaiser Medical Plan 1 (the only OEBB medical plan without a deductible) for the 2014-15 plan year will receive a financially equivalent reduction in copays.

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Q: What if I select "YES -- I choose to participate" in the system, but then I forget to complete my Health Assessment or take my two actions by the deadlines?

A: You should see or receive a number of reminders along the way, so it shouldn’t be difficult to remember. However, if the deadlines pass and you did not successfully complete all the steps, you simply won’t receive the lower deductible for 2014-15.

 

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Q: Will OEBB continue offering the Healthy Futures program in future plan years? And if so, am I obligated to participate in future years just because I do so this year?

A: The OEBB Board can make different decisions each plan year, but at this time the intent is to continue offering the Healthy Futures program in future plan years. Assuming the program continues, members will make a new election whether to participate each plan year. There are currently no plans to roll over a member’s Healthy Futures election from one year to the next.

 

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Q: If Healthy Futures continues into future years and I participate more than once, will I have to choose different actions each year?

A: It’s hard to say what future years will bring. The Board typically begins discussions of options for the next following plan year in late December or early January each year.  Once program and plan design decisions are made, any changes or additions will be communicated to entities and members.  This usually occurs early in May.

 

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Q: How do I prove I completed my two actions?

A: OEBB only asks that you report your actions in the MyOEBB system during the 2014 Open Enrollment period.

 

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Q: What if the actions I take don't work for me? (For example, if I try Weight Watchers but don't lose weight; or if I try a tobacco cessation program, but can't quit smoking?) Do I still get the lower deductible in 2014-15 because I tried?

A: Yes! Taking two actions is just that … trying. You’re not required to achieve results, although your chances are much better than if you didn’t take action at all!

 

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Q: I have an idea for a wellness activity that isn't on your list. How can I be sure it will count toward my Healthy Futures participation?

A: Any action that contributes to your health and well-being will count.

 

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Q: What if I'm already very healthy and don't really have any health risks? How can I participate?

A: Congratulations! And thank you for taking such good care of yourself. Most people find that even if they are already quite healthy, the Health Assessment identifies one or two things they hadn’t thought of, so you may still discover something you’d like to work on. Sometimes areas like stress management or emotional well-being are easy to overlook and could use some attention. If your Health Assessment confirms you’re in perfect health, chances are good that you are already taking at least two actions to get and to stay that way. Just keep doing what you’re doing and record two of your actions next year!

 

 

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Q: What if I can't complete the requirements due to special circumstances?

A: The Oregon Educators Benefit Board (OEBB) will allow exemptions from the Healthy Futures’ online health assessment and/or the two healthy activities requirements for members whose condition, disability or situation makes it unreasonably difficult or medically inadvisable. The complete policy and instructions explaining how to apply for exemption are available on the OEBB website.

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More Information

For more information click on one of the sub-topics below.

 
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