Employee Benefit Overview
August 1, 2025 – July 31, 2026
Regular Full Time Benefits:
Coverage is effective on the first day of the month, coinciding with or following date of hire.
(If the first day of work is on the first calendar day of the month, coverage is effective that day.)
High Deductible Health Plan (HDHP)
Medical, Vision and Prescription Coverage
Underwritten by PacificSource Health Plans
Full-time employees currently pay 10% of the total monthly premium. Benefit-eligible part-time employee premiums are pro-rated according to their regularly-scheduled hours, either at 50% (employees working 20-29 hours per week) or 75% (employees working 30-39 hours per week) of the full monthly premium.
Employee monthly premium:
Employee
Employee & Dependents
Full-time Employees
$71.48
$178.70
Part-time 1 Employees (30-39 hours per week)
$178.72
$446.77
Part-time 2 Employees (20-29 hours per week)
$357.43
$893.54
This is an employer-funded account designed to reimburse employees for IRS-qualified medical expenses. Reimbursements are tax-free, and any unused HRA Comp-A fund amounts at the end of the plan year are transferred to the employee’s VEBA account following first full year of employment (see below for VEBA account information). Coinsurance (Med-G) funding remaining at plan year end is forfeited and does not roll to the VEBA.
Employee monthly premium portion:
Employee
Employee & Dependents
Full-time Employees
HRA (Comp – A)
Coinsurance (Med – G)
$2,000
$1,250
$4,000
$1,250
Part-time 1 Employees (30-39 hours per week)
HRA (Comp – A)
Coinsurance (Med – G)
$1,500
$937.50
$3,000
$1,335.75
Part-time 2 Employees (20-29 hours per week)
HRA (Comp – A)
Coinsurance (Med – G)
$1,000
$625
$2,000
$890.50
Employees also have the option to self-fund a Flexible Spending Account (FSA) for unreimbursed medical expenses to offset potential out-of-pocket liability under the medical/dental plans and potentially shelter their HRA Comp-A account to allow for larger rollover to their VEBA account at plan year end.
First Stop Health - Telemedicine: The City of Bend provides First Stop Health (FSH) telemedicine benefits for FREE to all medical-enrolled employees and up to seven (7) of their immediate family members.
Dental Plan
Underwritten by MODA$2,000 calendar year benefit maximum per covered individual includes $1,000 one-time orthodontia benefit.
Full-time employees currently pay 10% of the total composite monthly premium.
Part-time benefit-eligible employee premiums are pro-rated according to their regularly scheduled work hours (50% for employees working 20-29 hours per week; 75% for those working 30-39 hours per week).
Employee composite monthly premium:
Employee with/without Dependents
Full-time Employees
$15.40
Part-time 1 Employees (30-39 hours per week)
$38.53
Part-time 2 Employees (20-29 hours per week)
$77.05
VEBA Plan
Administered by HRA VEBA
Individual employee account that receives tax-free rollover amounts from the City-funded HRA Comp-A account remaining at the end of each plan year. The account belongs to the employee and may be invested in mutual funds similar to deferred compensation. The account can grow, tax free, and be used for future medical expenses and can be used either while still employed or after separation/retirement.
Flexible Spending Plan (FSA)
Administered by PacificSource Administrators (PSA)
Participation in the City of Bend's Flexible Spending Plan is voluntary and allows employees to pay for IRS-approved health care-related expenses and dependent care through pre-tax payroll deduction.
Life, Personal Accident (AD&D) & Long-Term Disability Plans
Underwritten by New York Life
Group Basic Term Life Insurance: Benefit-eligible employees working at least 20 hours per week are eligible for a coverage amount of one times the employees annual salary, to a maximum benefit of $150,000, with a minimum benefit of $50,000. Coverage includes person accident coverage for loss of life and/or limb, per scheduled benefit package amounts.
Group Long-term Disability Insurance:
Benefit-eligible employees working at least 20 hours per week are eligible for a a benefit of up to 66.67% of employee’s covered earnings to a maximum of $9,000 per month.
Voluntary Life and AD&D: Active, full time employees of the City of Bend regularly working a minimum of 20 hours per week are eligible for additional voluntary coverage for the employee, spouse/domestic partner and dependent children.
Public Employees Retirement System (PERS)
The City of Bend participates in the PERS Retirement System. Employees become PERS members after working six full calendar months in a qualifying position requiring at least 600 hours worked per 12-month period. Contributions on the employee’s behalf begin following completion of the six-month waiting period. The City makes “employer” contribution based on the employee’s Tier I, II or OPSRP member status. The City also makes the “employee” member contribution of 6% of salary. For complete PERS program details, visit the website http://www.oregon.gov/pers
Employee Assistance Program
Underwritten by Canopy
This City-provided, confidential service helps employees privately solve problems that may interfere with work, family and life in general. Services are free to employees, their dependents and household members.
The City of Bend also offers the following voluntary benefit programs which are elective and funded through payroll deduction:
- AFLAC Supplemental Insurance (various plans are offered)
- MASA ground and air ambulance membership
- 457(b) Deferred Compensation Plans sponsored by Nationwide Retirement Solutions & Mission Square Retirement
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Temporary Medical Only Benefit's:
Coverage is effective on the first day of the month, coinciding with or following date of hire. (If the first day of work is on the first calendar day of the month, coverage is effective that day.)
High Deductible Health Plan (HDHP)Medical, Vision, Prescription coverage
Underwritten by PacificSource Health Plans
Full-time, temporary employee(s) currently pay 10% of the total employee(s) monthly premium. Full-time, temporary employees are eligible for employee-only medical coverage. However, there is family coverage available should the employee choose to enroll and assume financial responsibility for the difference of premium.
Employee composite monthly premium:
Employee
Employee & Dependents
Full-time Employees
$71.48
$1,143.69
Flexible Spending Plan (FSA)
Administered by PacificSource Administrators (PSA)
Participation in the City of Bend's Flexible Spending Plan is voluntary and allows employees to pay for IRS-approved health care-related expenses and dependent care through pre-tax payroll deduction.
Public Employees Retirement System (PERS)
The City of Bend participates in the PERS Retirement System. Employees become PERS members after working six full calendar months in a qualifying position requiring at least 600 hours worked per 12-month period. Contributions on the employee’s behalf begin following completion of the six-month waiting period. The City makes “employer” contribution based on the employee’s Tier I, II or OPSRP member status. The City also makes the “employee” member contribution of 6% of salary. For complete PERS program details, visit the website http://www.oregon.gov/pers
Employee Assistance Program
Underwritten by Canopy
This City-provided, confidential service helps employees privately solve problems that may interfere with work, family and life in general. Services are free to employees, their dependents and household members.
The City of Bend also offers the following voluntary benefit programs which are elective and funded through payroll deduction:
- MASA ground and air ambulance membership
- 457 Deferred Compensation Plans sponsored by Nationwide Retirement Solutions and Mission Square Retirement
If you have Federal student loan debt, (private student loans not included), or are considering going back to school, you may benefit from the Student Loan Forgiveness Program.
- If you make 120 qualifying payments on your Federal student loan while working full-time for a qualifying employer, your Federal student loan debt may be forgiven.
Always check the loan servicer and type of loan you have to ensure you qualify.
