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Health Benefits-Medical & Vision, Dental

Choose between a variety of Medical and Dental programs that provide choice in cost and design. All provide basic coverage and include limits to avoid excess costs when the unexpected happens. 

Medical and Vision Benefits

Choosing the best medical plan for you and your family will depend on your specific health care needs, lifestyle and budget. Good Health Insurance is essential to your well-being and provides protection against unexpected expenses. Once you have chosen a plan, learn all you can about how to use it to your best advantage.

Dental Insurance

Regular dental visits can do more than keep your smile attractive-they can tell dentists a lot about your overall health. When creating an overall plan for health don't overlook the importance of a good dental plan. Pacific's dental insurance plans offer choice of providers and access to preventative care to keep costs low and promote good dental health!

Rates

Premiums for Medical/Vision and Dental insurance are paid on a pre-tax basis to allow additional savings for you. As an overall component of compensation Pacific contributes a significant amount to the overall cost of premiums. You can view a Benefit Statement on Inside Pacific. Employees pay for the month of service by deducting 1/2 of the premium on the first payroll of the month and the second 1/2 of the premium on the second payroll. If you anticipate that you will be on a leave and will not have a check, contact employee_benefits@pacific.edu to make arrangements for payment. 

You can view rates for 2018 Here. Option (1) rates are for employees who enroll a spouse or domestic partner in medical coverage and the spouse/domestic partner is a Pacific employee or the spouse/domestic partner does not have the opportunity at their employer to enroll in benefits. Option (2) rates are applied when the spouse/domestic partner is not a Pacific employee and had the opportunity to enroll in their employer medical benefits but chose not to and is enrolled on Pacific's medical plan.

Health Savings Accounts (HSA)

An HSA is like an IRA for your health care that helps you to prepare for and manage health care costs. HSAs offer three tax benefits: tax-free saving, growth and spending on qualified medical expenses anytime, from today throughout your retirement-something you can't get from other retirement accounts. The HSA paired with a High Deductible plan, offers savings and tax advantages that a traditional health plan can't duplicate. With an HSA you will have:

  • A tax-advantaged saving account that you can use to pay for eligible medical expenses as well as deductibles, co-insurance, prescriptions, vision, and dental care expenses.
  • Unused funds that will roll over year to year. There's no "use it or lose it" penalty.
  • Potential to build more savings through investing. Employees can choose from a variety of HSA self-directed investment options with no minimum balance required.
  • Additional retirement savings. After age 65, funds can be withdrawn for any purpose without penalty but may be subject to income tax if not used for qualified medical expenses.

Prescription Drug Benefits

When you enroll in one of Pacific's medical plans you will automatically be enrolled in the prescription drug plan at the same time. The prescription drug plan covers the same people as your health plan. 

Continuing Benefits

Children grow up, employees retire or change jobs. It can be a difficult transition without insurance. Continuing insurance with COBRA continuation can ease the transition and provide peace of mind. Additional options to continue insurance are offered qualified retirees.