Insurance at Oregon Coast Community College
Accordion Content
2025-2026 Open Enrollment
If you do not submit elections by September 15, your current medical, dental, and vision coverage will end on September 30, 2025.
Medical
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: Click Here to See Plan Designs
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
- 2025-26 HRA (Health Reimbursement Arrangement)- ASAP/DBS log in page
Medical Plan 5 PCP w/HRA– Click Here to see details on HRA
- Deductible: $700 for single, $1400 for more than one person.
- Out of Pocket Limit: $2,900 per person
Medical Plan 5 without PCP w/HRA
- Deductible: $800 for single, $1500 for more than one person
- Out of Pocket Limit: $3,000 per person (max of 3 people for $9,000)
Vision
Moda – Click Here for Plan Details
- Moda Opal Plan
- Moda Pearl Plan
- Moda Quartz Plan
VSP
- VSP Choice Plus Plan
- VSP Choice Plan
Dental
Moda/Delta Dental Plans – Click Here for Plan Details
- 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 – Click Here for Plan Details
- Exclusive PPO Plan- Incentive Plan/Ortho—Delta Dental Premier Network
OCCC Premium Support
2025-2026 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) $1,185.00
- EE/Spouse (SP)/DP $1,372.08
- EE/SP/DP & Child(ren) $1,933.42
There will be imputed income for any Domestic Partner and/or dependents of Domestic Partner coverage.
Medical Rates
MODA Vision Rates VSP Vision Rates
Delta Dental/MODA Dental Rates Willamette Dental Rates
Employee Assistance Program (EAP)
EAP Information
HRA & FSA Plan Design Details
Accordion Content
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.
- 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.
- Contact Joy Gutknecht, HR Director at 541.867.8515 or joy.gutknecht@oregoncoast.edu with questions.
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!
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!
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 $640 of unused funds into the new plan year (2025-26).
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?