Insurance

Health Insurance:

Regular employees who work twenty (20) hours per week or more are eligible for employee and dependent insurance coverage. Insurance premiums for part-time positions are pro-rated. Coverage starts on the first of the month following the date of hire. The City offers several options for health insurance coverage. The options are:

• ODS Preferred 200 Plan:   This is our base plan. Employees who select this option must choose a health care provider from an established list of primary care physicians (PCP) and preferred specialists to receive 90% coverage. The list includes chiropractors. If a preferred provider is not selected, benefits, for the most part, are payable at 70%. Employees pay a 10% co-payment at each visit and there is a deductible of $200 ($600 family). Employee only coverage is fully paid by the City. There is mininal cost to the employee for dependents.

  Prescriptions purchased from retailers are reimbursed at 90% with submission of receipt and claim form. Mail order prescriptions are $30 for a 90-day supply (generic) and $50 for a 90-day supply (brand) plus the cost difference between generic and brand.

• ODS Point of Service Plan:   Employees select a health care provider from an established list of preferred providers. The PCP makes referrals to specialists as appropriate. Employees pay a $15 co-payment at each visit. If employees do not select a PCP, coverage is at 70% with a $300 deductible ($900 family). This plan includes chiropractic, naturopathic and acupuncture benefits. Employee only coverage is fully paid by the City. There is mininal cost to the employee for dependents.

  Prescription benefits are provided with a prescription card available for use at a variety of pharmacies. Prescriptions purchased from retailers are a co-pay of $15 unless the employee chooses not to use a generic drug when one is available, then the employee pays the difference between the generic and brand name drug plus the $25 co-pay. Prescriptions are also available by mail through Walgreen Healthcare Plus; $30 co-pay for a 90-day supply (generic) and $50 for a 90-day supply (brand) plus the cost difference between generic and brand.

• HMO:   Kaiser Permanente is the HMO service offered by the City. Employees enrolled in the Kaiser plan, must use Kaiser facilities and doctors. Employees pay a $15 co-pay per visit. The City pays the full premiums for this plan.

  Prescription benefits are available at Kaiser Pharmacies; $15 co-pay for a 30-day supply. Mail order prescriptions are available; $30 co-pay for a 90-day supply.

• Vision:   All three medical plans include vision coverage according to an established schedule. One pair of glasses or contacts every 24 months for adults and every 12 months for children under the age of 17.

Dental Insurance:

Oregon Dental Service (ODS) provides dental coverage for the City. Employees must use a member dentist to receive full coverage. Coverage begins the 1st of the month after three full months of employment. The plan is incentive based. Coverage starts at 70% the first year and increases, with annual check-ups, by 10% each year. There is no deductible. The premium is fully paid by the City. Differences in coverage are based upon the employee group as follows:

• Management employees:   Orthodontic benefit is paid at 100% up to a lifetime maximum of $1,500 per eligible individual. Annual maximum for other covered services per eligible individual enrolled is $3,000.

• SEIU employees:   Orthodontic benefit is paid at 100% up to a lifetime maximum of $1,500 per eligible individual. Annual maximum for other covered services per eligible individual enrolled is $2,000.

• Beaverton Police Association (BPA) employees:   Orthodontic benefit is paid at 100% up to a lifetime maximum of $1,500 per eligible individual. Annual maximum for other covered services per eligible individual enrolled is $1,500.

Flexible Spending Accounts (Section 125 and 129 plans):

The City provides the option for employees to enroll in a flexible spending account to allow for payment of qualified expenses through pre-tax deductions. Qualified expenses include dependent care costs (limited to $5,000 annually); qualified non-reimbursed medical expenses (limited to $2,000 annually), medical premium deductions and deductions for supplemental AD&D insurance. Elections are made once each calendar year. Deductions for those who enroll in the plan (s) are automatically withheld from the employee’s paycheck.

Life Insurance:

Life insurance is provided through Standard Insurance. The premium for employee basic coverage is fully paid by the City. Employees have the option to purchase supplemental insurance that offers higher limits and dependent coverage.

• Management Employees:   Coverage is for $50,000.

• SEIU Employees:   Coverage is for $50,000.

• BPA Employees:   Coverage is for $50,000.

Accidental Death and Dismemberment Insurance (AD&D):

Coverage is provided through AIG Life Insurance Company. Coverage differs by employee group. The basic premium is fully paid by the City. Employees have the option to purchase supplemental insurance that offers higher limits and dependent coverage.

• Management Employees:   Basic benefit amount is $151,000 for executive employees; $101,000 for non-executive exempt management employees and $81,000 for non-exempt management employees working 40 hours per week.

• SEIU Employees:   Basic benefit amount is $81,000 for employees working 40 hours per week.

• BPA Employees:   Basic benefit amount is $81,000 for employees working 40 hours per week.

Long Term Disability:

After a 90-day elimination period, coverage is provided through Standard Insurance at two-thirds of employee’s monthly salary (up to a maximum of $3,000 per month for SEIU and BPA employees and $8,000 per month for Management employees). Premiums for this insurance are fully paid by the City.

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