PERS Health Insurance Program (PHIP) provides PERS retirees with benefits that are comprehensive, high quality and at the most cost effective rates possible that will also meet our retirees’ benefit needs. When planning your retirement, review all health coverage options available to you. PHIP contracts with 3 different health plan carriers and two dental carriers.
Health Plans
PHIP offers both Medicare and Non-Medicare plans for eligible PERS retirees, their spouses and their eligible dependents. Plans are not available in all locations. Please review each health plan’s service area prior to submitting your PHIP Enrollment Request Form…
View health plan options and service areas
Moda Health
Kaiser Permanente
Providence Health Assurance (Not available in 2027)
UnitedHealthcare Plans
Prescription Plans
All PHIP Medical plans include comprehensive prescription drug benefit coverage. When enrolling in a PHIP Medicare plan, you will automatically be enrolled in a Part D drug plan… Learn about PHIP prescription drug coverage
Dental Plans
PHIP offers two dental plans; Delta Dental of Oregon and Kaiser Permantente dental. You can enroll in either dental plan regardless of your medical plan selection. For Kaiser Permanente dental, you must reside in the Kaiser Permanente service area. Compare Delta Dental and Kaiser Permanente dental options
Delta Dental of Oregon
Kaiser Permanente Dental
Travel Benefits
Exclusive to PHIP, all of our plans offer enhanced travel benefits. Additionally, if you are going to be out of your service area for more than six months, PHIP offers a unique feature known as the Snowbird Option…
Learn about travel benefits
UNUM Long-Term Care Insurance
The PERS long-term care insurance carrier is Unum Life Insurance Company of America. Unum is no longer accepting new enrollments effective February 1, 2027. For existing UNUM policy holders contact Unum at 800-227-4165, or:
Interested in learning more about PHIP?
Attend one of the new enrollment meetings PHIP holds throughout the year. For more information, see our events page.