Empowering Retirees to Live Well
Welcome to the PERS Health Insurance Program (PHIP), your trusted partner for health insurance coverage in Oregon. We are committed to providing high-quality, affordable health insurance options to all eligible Oregon PERS retirees, their spouses, and dependents. At PHIP, we understand the importance of having reliable health coverage, especially during retirement, and we are here to help you navigate your options.
Health Benefit Options
PHIP offers a variety of health benefit options to PERS retirees, whether you are just retiring or are already a PERS retiree. Our plans are designed to meet the unique needs of our members and include a range of coverage options, from comprehensive coverage to more economic plans. Our offerings include:
- Medicare Advantage Plans
- Medicare Supplement Plans
- Non-Medicare Plans (Core Value, High Deductible Health Plan)
- Dental Plans
- Travel Benefits
Our plans are designed to provide you with the coverage you need at a price you can afford. With PHIP, you can rest assured that you are getting the best value for your health insurance dollar.
For Current PHIP Members
Once you have enrolled in PHIP, you may need to make changes to your personal information or health coverage. PHIP provides certain opportunities to make specific changes to your coverage. Whether you need to update your address, change your plan, or add a dependent, we make it easy for you to make these changes.
For PERS Employer Groups
As a Human Resource Administrator for a PERS employer, you want to provide your new retirees with all health coverage options available. PHIP is a benefit offered to eligible PERS retirees and can be a valuable resource for PERS-contributing employer groups. We are here to help you understand the options available and make the enrollment process as smooth as possible.
2024 Premium Calculator and Benefit Comparisons
Calculate your premiums with our Premium Calculator and compare the rates and benefits of our different plans using our Benefit Comparisons. Our 2024 Benefit Comparisons include:
- 2024 Medicare Benefit Comparison
- 2024 Non-Medicare Core Value Benefit Comparison
- 2024 Non-Medicare High Deductible Health Plan Benefit Comparison
- 2024 Dental Benefit Comparison
Our Premium Rates are listed on a per member, per month basis, and do not include either premium subsidy. 2024 Premium Rates, 2024 Non-Medicare Rates, and 2024 Medicare Rates are available for your review.
Enrollment Request Form
To enroll in PHIP, please use the appropriate Enrollment Request Form. Note: Use The 2024 Enrollment Request Form for Plan Change and requested effective dates of 1/1/2024 through 12/1/2024.
At PHIP, we are committed to providing you with the best health insurance options and the highest level of customer service. Contact us today to learn more about how we can help you with your health insurance needs.
Overview of Reviews
The reviews are generally positive, with most customers expressing satisfaction with the service and staff. However, there are some negative comments regarding outdated information on the website and difficulty in finding the location.
Staff and Service
- The staff is praised for being helpful, friendly, and knowledgeable.
- Customers appreciate the quick response time and assistance with paperwork.
- The staff is also commended for their personable and refreshing attitude.
Location and Accessibility
- One reviewer finds the location confusing, as the building is not clearly marked.
- However, another reviewer finds the location convenient compared to the main building.
Communication and Information
- One reviewer is unhappy with outdated information on the website, specifically regarding presentation dates.
- Another reviewer finds the information provided to be confusing, especially when discussing insurance.
