Benefits

PERS Health Insurance Program (PHIP) provides PERS retirees with benefits that are comprehensive, high quality and at the most cost effective rates possible that will also meet our retirees’ benefit needs. When planning your retirement, review all health coverage options available to you. PHIP contracts with 4 different health plan carriers, two dental carriers and UNUM for long term care coverage.

Health Plans

PHIP offers both Medicare and Non-Medicare plans for eligible PERS retirees, their spouses and their eligible dependents. Plans are not available in all locations. Please review each health plan’s service area prior to submitting your PHIP Enrollment Request Form…
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Moda Health
Kaiser Permanente
Providence Health Assurance
UnitedHealthcare Plans

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Prescription Plans

All PHIP Medical plans include comprehensive prescription drug benefit coverage. When enrolling in a PHIP Medicare plan, you will automatically be enrolled in a Part D drug plan… Read more

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Dental Plans

PHIP offers two dental plans; Delta Dental of Oregon and Kaiser Permantente dental. You can enroll in either dental plan regardless of your medical plan selection. For Kaiser Permanente dental, you must reside in the Kaiser Permanente service area. PHIP does not offer standalone dental plans, therefore you must also be enrolled in PHIP medical coverage in order to receive dental coverage. Additionally, if one member of the household chooses dental coverage, then all members must receive dental coverage… Read more

Delta Dental of Oregon
Kaiser Permanente Dental

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Travel Benefits

Exclusive to PHIP, all of our plans offer enhanced travel benefits. Additionally, if you are going to be out of your service area for more than six months, PHIP offers a unique feature known as the Snowbird Option…
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Long Term Care

Long-term care is the type of care received either at home or in a facility when someone needs assistance with the activities of daily living. Health insurance does not pay for the cost of long-term care.

The PERS long-term care insurance carrier is Unum Life Insurance Company of America. Information on Unum enrollment and eligibility is available online. All eligible PERS retirees, spouses and dependents may apply for long-term care insurance by contacting Unum at 1-800-227-4165, or:

UNUM Life Insurance Company of America

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