PEBB Oregon -- Benefit Deduction Estimator

1. a) Select Employment Type: State Employee University Employee b) Select Employment Status: Full-Time Part-Time

Employee Premium Share

Your employee premium share will calculate at a 5% share if you choose the full time or part time PEBB Statewide or Kaiser HMO medical plans. All other plans, full time and part-time, will calculate at 1% premium share. Employee premium share may vary depending on the employing agency.
The premium shares described address most state agency employees. PEBB does not designate premium contributions, contact your agency benefit office if you have additional questions about your premium contribution.

Employee Premium Share

Your employee premium share will calculate at a 3% share if you are a full-time employee, have two plans available and choose the lowest premium cost medical plan where you live or work; all other choices will calculate at 5% premium share. Employee premium share may vary depending on the employing university.
The premium shares described address some university employees. PEBB does not designate premium contributions, contact your university benefit office if you have additional questions about your premium contribution.

Dental/Vision

To enroll for vision or dental coverage you must be enrolled in a medical plan choice. To calculate the cost of dental or vision, choose a medical plan or opt out selection from the left and then click on the 'Add or Change' button for dental or vision. The full time Kaiser HMO and Kaiser Deductible medical plans include Kaiser vision; you cannot enroll for VSP vision with these plans. You can enroll for VSP with any other plan, including any of the part-time plans.

Additional information necessary to calculate medical plan rate:

Please select HEM status
Please select tobacco usage
Spouse/Partner other group coverage status

Additional information necessary to calculate plan rate:

Dental Plan

No Dental Coverage -
Total Dental Premium	5% Premium Share	3% Premium Share
$0.00	$0.00	$0.00

Additional information necessary to calculate plan rate:

Vision Plan

No Vision -
Total Vision Premium	$0.00
Vision Premium - Core Benefit (VSP Basic)	5% Premium Share	3% Premium Share	Additional Employee Share for VSP Plus
$0.00	$0.00	$0.00	$0.00

Vision premium will be added to total for non-Kaiser medical comparisons
Kaiser vision is built in as part of the medical plan so Kaiser vision premium is $0.00
*The employee share for VSP Plus is equal to the employee share for VSP Basic plus the difference in total rate between VSP Plus and VSP Basic; employees pay the total premium difference between VSP Basic and VSP Plus if they choose VSP Plus.

Click here for benefit info

Vision Rates	Total Rate		VSP Basic Employee (EE) Share		Additional Employee Share for VSP Plus
Tier	VSP Basic Premium	VSP Plus Premium	5%	1%	(VSP Plus Total Rate - VSP Basic Total Rate)
Employee Only	$8.66	$13.00	$0.43	$0.09	$4.34
Employee and Spouse/Partner	$17.32	$25.98	$0.87	$0.17	$8.66
Employee and Children	$14.72	$22.09	$0.74	$0.15	$7.37
Employee, Spouse/Partner, and Children	$23.38	$35.08	$1.17	$0.23	$11.70

Plan Year 2018 Payroll Deduction Comparison

Employee Share for Core Premium Prior to Family Subsidy
Medical Plans Selected for Comparison →

Medical Premium:
Monthly Dental Premium
Monthly Vision Premium
Standard Basic Life
Total Premium for Core Benefits
Employee Share Percent**
Total Paid by Employer
Family Tier Subsidy Paid by PEBB (Reduces employee share) ^[info]Prior to 2017, the PEBB Board structured tiers (Employee Only, Employee & Spouse/Partner, Employee & Children, Employee and Family) in a way that implicitly subsidized the Employee and Family tier. A federal rule that becomes effective in 2020 will place an excise tax on annual premium amounts above a certain level. Under the current tier structure, PEBB would pay a tax penalty. To avoid this, the Board is beginning a three year process to align our tiers with those of other large employers. This process adds annual increases to the Employee and Family tiers while decreasing premium for other tiers. The PEBB Board is using PEBB stabilization funds to offset the employee-share increases for employees enrolled in an Employee and Family tier. click here for more info
Total Monthly Employee Cost - Core Benefits
VSP Plus ^[info] Employees pay the employee share percent multiplied by the VSP basic premium amount, plus the total premium difference between VSP Basic and VSP Plus if they choose VSP Plus. The amount in this row is the additional amount employees pay if choosing VSP Plus; the amount for VSP basic is calculated under core benefits above.
HEM Incentive
Tobacco Surcharge:
Spouse/Partner Surcharge
Optional Benefits
FSA & Commuter Contributions
Total Monthly Employee Share*

*Total employee share is an estimate only. Final deductions are dependent on actual enrollment selections, employment classification, employment status, eligibility rules. and payroll taxes or pre-tax deductions.
**Employee share percent is not applicable to all employees. Please check with your payroll office if you are unsure of your premium share percentage

Plan Year 2018 Payroll Deduction Comparison - Part-Time

B. Employee 1% or 5% Contribution
Medical Plans Selected for Comparison →

Medical Premium:
Monthly Dental Premium
Monthly Vision Premium
Standard Basic Life
A. Total Premium for Core Benefits
Employee Share Percent**
C. Total Benefit Cost after Employee Contribution ( A - B)
D. Employer Pro-rated Contribution (C * Percent of full-time)
E. Flat Rate Subsidy Paid by Employer
F. Additional employee contribution (C -D-E or $0 if C-D-E < 0)
G. Total Employee Share for Core Premium Prior to Family Subsidy (B + F)
H. PEBB Family Tier Subsidy ^[info]Prior to 2017, the PEBB Board structured tiers (Employee Only, Employee & Spouse/Partner, Employee & Children, Employee and Family) in a way that implicitly subsidized the Employee and Family tier. A federal rule that becomes effective in 2020 will place an excise tax on annual premium amounts above a certain level. Under the current tier structure, PEBB would pay a tax penalty. To avoid this, the Board is began a three year process to align our tiers with those of other large employers. This is the second year. This process adds annual increases to the Employee and Family tiers while decreasing premium for other tiers. The PEBB Board is using PEBB stabilization funds to offset the employee-share increases for employees enrolled in an Employee and Family tier. click here for more info
G. Total Employee Contribution - Core Benefits (B + F)
HEM, Surcharges, and Optional Benefits
VSP Plus ^[info] Employees pay the employee share percent multiplied by the VSP basic premium amount, plus the total premium difference between VSP Basic and VSP Plus if they choose VSP Plus. The amount in this row is the additional amount employees pay if choosing VSP Plus; the amount for VSP basic is calculated under core benefits above.
HEM Participant
Tobacco Surcharge - no tobacco use:
Spouse/Partner does not waive other group coverage
Optional Benefits
FSA & Commuter Contributions
Total Monthly Employee Share*

*Total employee share is an estimate only. Final deductions are dependent on actual enrollment selections, employment classification, employment status, eligibility rules. and payroll taxes or pre-tax deductions.
**Employee share percentage does not apply to all employees. Please check with your payroll office if you are unsure of your premium share percentage.

Choose Coverage Amount
Select Smoking Status when policy was approved: Non-smoker Smoker

Enter Age as of 12/31/2017 (for 2018 rate):

Premium Amount $0.00

Choose Coverage Amount
Select Smoking Status when policy was approved: Non-smoker Smoker

Enter Age of Spouse/Partner as of 12/31/2017 (for 2018 rate):

Premium Amount $0.00

Choose Plan
Choose Monthly Facility Benefit Amount
Select Duration: 3 Years 6 Years Unlimited

Enter Age of Employee when Unum plan was first effective:

Premium Amount $0.00

Choose Plan
Choose Monthly Facility Benefit Amount
Select Duration: 3 Years 6 Years Unlimited

Choose Age of Spouse/Partner when Unum plan was first effective:

Premium Amount $0.00