Do we continue with: OEA Choice Trust as our Insurance Provider? Do we move to the State Insurance Pool (OEBB)?

History Been watching the OEBB developments Encouraged folks to talk to members about OEBB Waiting for renewal rates from OEA Choice Trust Insurance Committee met several times Waiting for rate plans from OEBB

OEBB? What is it? (Oregon Educators Benefits Board ) Created in 2007 by the Oregon Legislature HB 426 Intended to pool education employees with insurance Charged with providing high-quality benefits to school employees at comparable prices

SKEA Board and Insurance Committee Members recommend: Moving to OEBB effective October 1, 2008 due to significant increases of out of pocket insurance rates

OEBB Chooses ODS as Carrier Great News for SKEA Seamless transition to OEBB (minimal disruption)

Current Medical Plans through OEA Choice Trust MCP 15 – Medical/Alternate Care/RX PPO 2 – Medical/Alternate Care/RX PPO 3 – Medical Only/RX Kaiser Permanente HMO - $10.00 copay/RX

Current ODS Dental Plan Deductible – none Annual Maximum - $2,200 Ortho – 80% to $1,500 Max

Current Vision Plan Deductible - None Plan Max - $ Exam – 100% Frames – 100% every 12 months for child Frames – 100% every 24 months for adult Lenses/contacts – 100% every 12 months

Name Comparisons of Plans MCP 15OEBB PPO Medical Plan 5 PPO 2OEBB PPO Medical Plan 7 PPO 3 OEBB PPO Medical Plan 8 Kaiser OEBB Kaiser HMO Medical Plan 1 ODS Dental Plan A OEBB Dental Plan 1 Kaiser Dental Plan OEBB Dental Plan 8 ODS Vision Plan 350 OEBB Vision Plan 1

Life/AD&D and Long Term Disability Plans remain the same with Unum (our current carrier)

What are the differences of the comparable plans………. If any

MCP 15 to OEBB Plan 5 Differences MCP 15 OEBB Plan 5 No deductible in network and $300/600 deductible out of network $15.00 office visit/co-pay Annual max. $2000 in network/$6000 out of network Preventative Health Screenings 80% in network/60% out of network RX - $10/$20/50% or $50 max with no annual maximum $200/600 deductible for in/out of network $20.00 co-pay Annual max. $1000 in network/$2000 out of network Preventative Health Screenings are fully paid in network/60% out of network RX -$5/$25/50% or $50 max with $1000 annual max YOUR COST NEXT YEAR $ YOUR COST NEXT YEAR $ SAVINGS each month with OEBB: $118.82

PPO2 to OEBB Plan 7 Differences PPO 2 OEBB Plan 7 No deductible in network and $500/1000 deductible in /out of network $15.00 office visit/co-pay Annual max. $3500 in network/$7000 out of network Preventative Health Screenings 80% in network/60% out of network RX - $10/$20/50% or $50 max with no annual maximum $500/1500 deductible for in/out of network $20.00 co-pay Annual max. $2000 in network/$4000 out of network Preventative Health Screenings are fully paid in network/60% out of network RX -$5/$25/50% or $50 max with $1000 annual max YOUR COST NEXT YEAR $ YOUR COST NEXT YEAR $23.54 SAVINGS each month with OEBB: $130.18

PPO 3 to OEBB Plan 8 Differences PPO 3 OEBB Plan 8 $1000/$3000 deductible in and out of network office visit paid at %80 after deductible in network/60% out of network Annual max. $5000 in network/$10000 out of network Preventative Health Screenings 80% in network/60% out of network RX – 50%or $50 max with no annual maximum $1000/$3000 deductible for in/out of network office visit paid at %80 after deductible in network/60% out of network Annual max. $2000 in network/$4000 out of network Preventative Health Screenings are fully paid in network/60% out of network RX -$5/$25/50% or $50 max with $1000 annual max YOUR COST NEXT YEAR $12.64 YOUR COST NEXT YEAR $12.64 Please see next slide for more information on these two plans.

PPO3/OEBB Medical Plan 8 Board of Directors and Insurance committee recommends that this plan no longer be offered. Rationale: PPO2 offers increased coverage for only $10.90 more a month than PPO3 PPO2 offers a comprehensive preventative care package With PPO3 the members are not utilizing the total available premium contributions from the district, that PPO2 will accomplish

OEA Choice Kaiser to OEBB Kaiser HMO Plan 1 Differences Kaiser OEBB Kaiser HMO Plan 1 No annual deductible $600/$1200 annual max deductible Health Risk Assessment – not covered Infertility – 50% RX - $20 No annual deductible $1000 annual max deductible Health Risk Assessment fully covered Infertility – not covered RX - $10/$30 Kaiser (w/dental) YOUR COST NEXT YEAR $ OEBB Kaiser HMO (w/dental) YOUR COST NEXT YEAR $46.52 SAVINGS each month w/OEBB: $ Kaiser (w/ODS Dental) YOUR COST NEXT YEAR: $ OEBB Kaiser HMO (w.ODS Dental) YOUR COST NEXT YEAR: $37.95 SAVINGS each month w/OEBB: $97.40

PPO2 to OEBB Plan 7 Differences PPO 2 OEBB Plan 7 No deductible in network and $500/1000 deductible in /out of network $15.00 office visit/co-pay Annual max. $3500 in network/$7000 out of network Preventative Health Screenings 80% in network/60% out of network RX - $10/$20/50% or $50 max with no annual maximum $500/1500 deductible for in/out of network $20.00 co-pay Annual max. $2000 in network/$4000 out of network Preventative Health Screenings are fully paid in network/60% out of network RX -$5/$25/50% or $50 max with $1000 annual max YOUR COST NEXT YEAR $ YOUR COST NEXT YEAR $23.54 SAVINGS each month with OEBB: $130.18

OEBB Dental and Vision Plans match OEA Choice Trust Plan – no change

We are asking you to: Take this information back to your buildings Talk up the upcoming all member meetings & vote McKay Tues. June 3 4:30-6:00 South Wed. June 4 4:30-6:00 West Thur. June 5 4:30-6:00

How do I get more information? Talk to your building representative Check out Come to the presentations and vote You can also vote at the SKEA office from 6:30 AM- 3:00 PM Tuesday – Thursday, June 3,4,5. McKay Tues. June 3 4:30-6:00 South Wed. June 4 4:30-6:00 West Thur. June 5 4:30-6:00