West Linn-Wilsonville School District employee health plan information
See below for some of our benefits highlights, but for a complete benefit summary of each plan, please visit the school district benefits page.
All employee group classes are eligible for a plan, including Administrative, Confidential, Licensed, and Classified.
Employees need to log in to the benefits portal to elect which health insurance option they prefer. Employees who wish to opt-out of coverage still need to sign in to the portal and follow the instructions for waiving coverage.
How to enroll
To get started, use the West Linn-Wilsonville School District BenefitElect enrollment system.
Understanding health insurance terms
Health insurance terms can sound like a foreign language. We do our best to avoid jargon, but there are instances where we need to use health insurance terms that are related to your plan, for specificity and clarity. Here are some definitions of those words.
The annual cycle in which a health insurance plan operates. Your plan follows the calendar year, renewing in January. Deductibles and other benefit year limits typically reset at the beginning of each new benefit year.
Copayment (also Copay)
A fixed amount ($35, for example) you pay for a covered healthcare service, usually when you receive the service. The amount can vary by the type of covered health care service.
Coinsurance is how much you owe for a covered healthcare service or prescription, calculated as a percentage of the allowed service amount.
When a member is responsible for paying a portion of the cost of care via deductibles, copayments, or coinsurance.
The dollar amount you pay out-of-pocket for covered services before your health insurance plan begins to pay for your care.
Out-of-pocket limit (OOP)
Your out-of-pocket limit (or out-of-pocket max) is the most you could pay for covered care in a calendar year aside from your monthly premium.
Explanation of benefits (EOB)
Every time you use your health insurance benefits, your insurance company will send you a statement that shows the service you had (like an office visit) and how they applied your benefits to it. This statement is called an Explanation of Benefits.
The facilities, providers, and suppliers your health insurer or plan has contracted with to provide healthcare services.
In-network/Participating provider panel
A listing of the providers and facilities that have contracted with your health insurer to provide services at a discount to members.
Nonpreferred/Nonparticipating provider (also Out-of-network provider)
A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll pay more to see a nonpreferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “tiered” network and you must pay extra to see some providers.
This is an approval given in advance by an insurance company to a doctor for certain types of care.
Looking for definitions to other health insurance terms? Please visit our glossary page.
No referrals required by our plans
to see a specialist
Digital member ID cards
via our website and mobile app
Mail-order and retail pharmacy
for up to a 90-day supply
with global emergency medical services from Assist America®
$0 copays on select preventive
prescription drugs from in-network pharmacies
Affordable fitness center access
from our partner, Active&Fit Direct™
Weight-management program reimbursement