Benefits at Oregon Coast Community College

2025-2026 Open Enrollment
Dates: August 15 – September 15
This is a Mandatory Enrollment period. All Members must choose benefit plans this year.
If you do not submit elections by September 15, your current medical, dental, and vision coverage will end on September 30, 2025.
 
How to Submit Selections
Review details on plans (listed below).
 

EAP Services – ALL EMPLOYEES

Employee Assistance Program (EAP)

EAP Information

Starting on October 1, 2025 the EAP will be available to all employees and faculty of Oregon Coast Community College.
Service Summary - CANOPY

Plan Designs

Employee participation is optional, OCCC contributes to monthly premium

  • Employees that opt out of medical, vision & dental will receive up to $100 per month into a 403b account, based upon appointment percentage. Employees are responsible for setting up a 403b account.

MODA is our medical provider
Health/Rx, (Plan 5)  learn more about them and your current benefits here: MODA handbooks

Diversified Benefits Services is our HRA and FSA provider

  • HRA enrollment is automatic.
  • FSA enrollment requires log in action. See FSA Information for details
  • 2024-25 HRA (Health Reimbursement Arrangement)- ASAP/DBS log in page

Medical Plan 5 PCP w/HRA

  • Deductible: $300 per person (max of 3 people for $900)
  • Out of Pocket Limit: $2,900 per person (max of 3 people for $8,700)

Medical Plan 5 without PCP w/HRA

  • Deductible: $400 per person (max of 3 people for $1200)
  • Out of Pocket Limit: $3,000 per person (max of 3 people for $9,000)

Moda

  • Moda Opal Plan
  • Moda Pearl Plan
  • Moda Quartz Plan

VSP

  • VSP Choice Plus Plan
  • VSP Choice Plan

Moda/Delta Dental Plans

  • Premier Plan 1- Incentive Plan/Ortho—Delta Dental Premier Network
  • Premier Plan 5—- Incentive Plan/Ortho—Delta Dental Premier Network
  • Premier Plan 6—Delta Dental Premier Network (no Ortho)
  • Exclusive PPO Plan— Incentive Plan Delta Dental PP Network
  • Exclusive PPO Plan—Delta Dental PP Network

Willamette Dental Plan

  • Exclusive PPO Plan- Incentive Plan/Ortho—Delta Dental Premier Network

Employee pays monthly premium, participation is optional, opportunity to insure SP/DP/and/or child(ren) when EE participates.

Accidental Death & Dismemberment (Standard) – Benefit Level

  • $10,000-$500,000 (EE/SP/DP)
  • $2,000-$10,000 (DEP)

Optional Life Insurance Plan – (Standard) Benefit Level

  • $10,000-$500,000 (EE/SP/DP)
  • $2,000-$10,000 (DEP)

Short Term Disability  – (Standard) Plan 12

  • Waiting period 7 day elimination
  • weekly max 70% max of $1,500, duration 90 days

Employer Support and Provided Insurances

OCCC pays monthly premium, employee participation is required

Accidental Death & Dismemberment Basic (Standard)

  • Plan 2-Benefit Level $10,000

Long Term Disability (Standard)

  • Plan 21-Waiting period 90 days, monthly max $4,000

Basic Life (Standard)

  • Plan 3-Benefit Level $10,000
2024-2025 Plan Year

The premium support provided is based upon the medical coverage taken or the total of the premiums for dental and/or vision, if not medical is taken.
The premium support amount has no cash value. Pretax deductions will be for the amount of premium due after the OCCC support is applied.

  • Employee (EE) only              $650.00   
  • EE & Child(ren)                     $1,144.26
  • EE/Spouse (SP)/DP              $1,324.91
  • EE/SP/DP & Child(ren)        $1,866.96

There will be imputed income for any Domestic Partner and/or dependents of Domestic Partner coverage.

 

Rates & Comparisons

Insurance Premium Rates (before OCCC contribution)

Medical/RX, Dental and Vision Rates 2024-25 Insurance Premiums – before OCCC contribution
*Medical Plan 5 is OCCC Medical option

Optional Insurance Premiums (employee pay, post tax)
Life Insurance                                                                2024-25  Premium detail
Short Term Disability Insurance (STDI) (plan 12)    2024-25 Premium detail
AD&D- Accidental Death & Dismemberment        2024-25  Premium detail

Insurance Plan Design Detail

Medical/RX ,Dental, Vision Plan Design   2024-25 Design Detail-  Plan 5 is offered by OCCC
Plan Comparison English and Spanish
(Kaiser is not an option for OCCC, Moda Plan 5 is OCCC Medical)

Life and AD&D Insurance 2024-25 Plan Details

HRA & FSA Plan Design Details

The HRA (Health Reimbursement Arrangement) is an IRS sanctioned employer (OCCC) health benefit plan that reimburse employees for out of pocket medical expenses.

  •  An Employee will never put money into the HRA.
  • With the HRA, OCCC is able to offer a $300 deductible and an out of pocket maximum of $2,900 per person (up to 3 people).

Without the HRA, Medical Plan 5 has a $2,000 or $2,100 deductible and a $6,850 or $7,200 maximum out of pocket per person.

How the HRA works at OCCC

Employee (EE) only        $300 /$2900 – NON PCP360 $400/$3000
EE/Spouse (SP)/DP       $600 ($300 each) $5800 – NON PCP360 $400/$6000
EE & Child(ren)                $600 min- $900 max $5800 min-$8700 max – NON PCP360 $800-$1100/$6000-$9000
EE/SP/DP & Child(ren)   $900 ($300 each) $8700 –NON PCP360 $1200/$9000

Enrollment with the HRA is done by HR, there is no employee action required.  Domestic Partner, or dependents of a Domestic Partner are not eligible to participate in HRA or FSA. HRA account detail

HRA Video

What is a Health Care Flexible Spending Account?
A Health Care FSA (HCFSA) is a program that saves you money by allowing you to pay for eligible medical, dental and vision expenses for you, your spouse and your dependents (including children to age 26), using pre-tax dollars. That means the money you set aside for your HCFSA is not subject to federal income tax, Social Security, Medicare and, in most cases, state and local taxes. Using a HCFSA can save you approximately 20-30% in taxes on your expenses!

Health Care FSA 2024-25

What is a Dependent Care Flexible Spending Account?
A Dependent Care FSA (DCFSA) is a program that saves you money by allowing you to pay for qualified dependent care expenses using pre-tax dollars. That means the money you set aside for your DCFSA is not subject to federal income tax, Social Security, Medicare and, in most cases, state and local taxes. Using a DCFSA can save you approximately 20-30% in taxes on your expenses! 

Dependent Care FSA

For example: To cover the $300 deductible, an employee paid monthly for 12 months could have a pretax deduction taken each month in the amount of $25. Then if there is a need for medical services, you would have the deductible already to go with out having to reach into your monthly budget or savings.

What if I don’t use my entire election amount by the end of the plan year?
It is uncommon for participants to have money remaining in their account at the end of the plan year but it is important to plan carefully. If you do have remaining funds, the unused funds may be forfeited and become the property of your employer, depending on the provisions of the plan. This is known as the use-or-lose provision.

At OCCC you can carry over up to $610 of unused funds into the new plan year (2024-2025).

Resources

Still not sure about an FSA?  Check out the FSA Expense Worksheet  

Looking to enroll in FSA?

FSA enrollment requires action by you.

Log into DBS and follow the steps. Not been into DBS yet? OCCC FSA Enrollment

            Paper enrollments and direct deposit applications are available at   OCCC FSA Paper enrollment    and  Direct Deposit Application – FSA Only (PDF Fillable)

Have questions on your  FSA debit card carryover?

FSA Debit Cards CARRYOVER FAQs