A message from the Board of Trustees of the OSCPA Group Health Trust

October 24, 2022

GHTThe OSCPA Group Health Trust Board of Trustees is pleased to announce competitive plans and rates for our member firms. We encourage you to reach out to our broker, The Partners Group, to see if OSCPA Group Health Program plans are a good fit for your firm. The Partners Group can help compare your current plans to those available through the OSCPA and answer any questions you may have. Please contact The Partners Group at 503-726-5755 or oscpahealthplan@tpgrp.com.

The OSCPA Group Health Trust Board of Trustees is excited to share information regarding the 2023 Medical, Dental, Vision, and Long-Term Disability plans. We are continuing our partnerships with Providence Health Plans, Delta Dental of Oregon, and The Hartford for plans offered through the Group Health Trust.

The past year has been challenging in the health insurance market. Companies have been hit with higher than usual increases due to an increased level of healthcare utilization as the pandemic has evolved. Insurance companies have filed some of the largest increases in the small group market in recent years and are reducing benefit levels to combat higher utilization and costs. As the market changes, the Group Health Trust is well positioned to be a competitive option for OSCPA firms. Through our assessment of small group rates and plans it is clear that the Group Health Trust offers stronger benefits at a lower price than many of the direct options available. Following are the highlights of the plans available to OSCPA member firms:

Highlights of 2023 plans

Medical/Rx – Providence Health Plans
• Four traditional PPO plans and two HSA plans
• Broad provider network plans across the entire state
• Continued in-network access to all Portland-area hospitals except for Kaiser
• Narrow network plans in most counties with significant premium savings
• Four-tier composite rating (no age rates)
• Custom pricing available for firms with 20+ eligible employees

Dental – Delta Dental of Oregon
• Access to the largest dental insurance carrier in Oregon
• Three plans available, including one plan covering orthodontia and one voluntary plan
• Firms can elect Dental without offering Medical insurance

Vision – Providence Health Plans
• Access to VSP network through Providence, the largest vision network in the country
• One plan available, with exams and lenses covered every year
• Available to firms electing Medical insurance through Providence

Long-Term Disability – The Hartford
• 50% or 60% income replacement plans available
• Composite rating, regardless of employee age
• Substantially reduced rates vs. direct market

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