All staff members must enroll in MODA Plan 5

Premium Rate: The amount paid each month for health insurance coverage. Think of it like a subscription fee to keep your insurance active.

Premium Coverage:

• Certified Employee: The district pays 100% of medical premiums for you and your dependents.
  • Download Certified Rate Sheet

• Classified Full-time Employee: The District pays 100% of medical premiums for you and your dependents.
  • Download Classified FT Rate Sheet

• Classified Part-time Employee: The District pays 100% of your premium only. Optional dependent costs are your responsibility and will be deducted from your paycheck.
  • Download Classified PT Rate Sheet

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​​​​​​​​​​​​​​Download Moda Medical/Pharmacy Plan 5 Overview

Download Moda Medical/Pharmacy Plan 5 Handbook

Employees may choose to enroll in Dental and/or Vision Plans

Dental/Vision Premium Coverage:

• Certified Employees: The District pays up to $210.00 per month* for your dental and vision insurance premiums. Download Certified Rate Sheet

• Classified Full-time employees: The District pays up to $190.00 per month* for your dental and vision insurance premiums.  Download Classified FT Rate Sheet

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• Classified Part-time employees: The District pays up to $95.00 per month* for your dental and vision insurance premiums. ​​​​​​​Download Classified PT Rate Sheet

​​​​​​​*If your plan(s) cost more than what the district pays, the extra amount will come out of your paycheck through payroll deduction.

Download Dental Plan Comparisons

Download Vision Plan Comparisons

Diversified Benefits Services Group HRA

• Create your account: Visit the Diversified Benefits website  and click “User Login” 
  • Click “Create New Account”
  • Enter Employer PIN: AstoriaSD  and click the red arrow
  • Enter your information and click submit

• EOB’s -When you receive medical services, an Explanation of Benefits (EOB) from MODA is created and is automatically sent to the HRA.

• Reimbursement: The HRA will reimburse eligible expenses toward your deductible, coinsurance, and copays (including prescriptions).  Payments are made directly to you by direct deposit.
  • Click here for the HRA Direct Deposit Form

• Double Coverage? Please read the HRA Claims Guide on submitting claims if you have multiple insurances.

Watch a Video On How the HRA Works

Download The HRA Overview

Download the HRA Claims Guide

Deductible: The amount you must pay for covered medical services before your insurance starts sharing the cost.

Copays: A fixed amount you pay for a specific service, like a doctor's visit or a prescription. Copays count towards your out-of-pocket maximum.

Out-of-Pocket Maximum: The most you’ll have to pay for covered healthcare in a plan year for your deductible, prescriptions, coinsurance & copayments

• Single Deductible: $2,400 total
  • First $700: You pay
  • Next $1,700: HRA pays 75% ($1,275) / You pay 25% ($425)
  • Out of Pocket Maximum: $3,750
• Family Deductible: $4,800 total
  • First $1,400: You pay
  • Next $3,400: HRA pays 75% ($2,550) / You pay 25% ($850)
  • Out of Pocket Maximum: $7,500

How to Enroll in Your Benefits – Step by Step

Click here to log in to MyOEBB

Step 1:
Log in to MyOEBB.org during the open enrollment period of August 15 through September 15, 2025

Step 2:
Sign in with your username and password.

• Forgot your username or password? Click the “Forgot User Name or Password?” link below the sign-in button.

• First time using MyOEBB? Click “Create your MyOEBB account” and follow the prompts.

Step 3:
On the landing page, choose “Enroll, Change, Opt Out, or Waive Benefits.”

Step 4:

Follow the on-screen prompts and answer all demographic questions.

• Enroll in MODA Medical Plan 5 (the only option per contracts).
• Choose any Dental and/or Vision plan if desired.
• If you have other insurance coverage you can choose to Opt Out or Waive Benefits

Step 5:

When you reach the Benefit Statement page, review your information and selections.

• If everything looks correct, scroll to the bottom, check “I have reviewed and agree,” and click “I agree.” Important: Your benefit selections won’t be saved unless you complete this step!

Step 6:
Watch for a confirmation email from OEBB. Your new benefits will take effect on October 1, 2025.

Step 7:

Download the HRA Direct Deposit Form here, fill it out, and return it to the district office. If you already have a direct deposit set up through payroll, check the box “Use banking information on file with the District.”

MODA Health is partnering with Garner

August 15 – Moda members can begin registering with Garner

October 1 – Reimbursements for Garner-approved visits begin

Garner is an optional additional benefit that helps you find the top doctors in your area. 

When you visit a Garner-approved provider, you can be reimbursed for eligible costs, including deductibles, copays, and coinsurance, Labs, prescriptions, and X-rays 

Annual Reimbursement Limits:

• $700 for individual coverage

• $1,400 for family coverage

Important:

• You are not required to use Garner—your Moda network stays the same.

• To be eligible for reimbursement, you must register with Garner before your visit and see a Garner-approved provider.

How to Get Started:

1. Review the Garner Guide to learn how to enroll, find providers, and get reimbursed.

2. Register at Get Garner or through your Moda Health dashboard.

3. Your Employer or Health Sponsor is OEBB

4. If you have a PCP 360 with Moda, check in Garner to see if they are approved.

Need help?
Call Garner Concierge: 458-488-4828