麻豆国产AV

Human Resources

2025 Benefits open enrollment 

November 1–15, 2024 (closed)

Open enrollment is your annual opportunity to review your medical, dental, and flexible spending account benefits and make new choices for the upcoming benefits year which starts on January 1, 2025. You may choose to change from one medical or dental plan to another, add or remove dependents, or enroll in a flexible spending account. 

This year, we will have some co-pay, deductible and other cost changes and our plans will have a cost increase. Please take the time to review this page and the documents attached.

What action do I need to take during open enrollment?
Additional Kaiser resources
What is the cost out of my paycheck?
How do I compare medical and dental plans?
What if I want to waive coverage this year?
How do I sign up for a flexible spending account?
Attend a 403(b) retirement plan seminar
How can I get help with my benefits?
What if I want to change my 403(b) retirement contribution?
Annual disclosures and notices

What action do I need to take during open enrollment?

Action is required during open enrollment to:

  • Enroll/re-enroll in a health care or child care flexible spending account (FSA)
  • Switch between our medical and/or dental plans
  • Add, change or drop coverage for yourself and/or your dependents
  • Waive medical coverage for the upcoming year (even if you have waived in previous years)

If you will be making any of these changes, complete this benefits enrollment form (closed) before 5 pm on November 15. Be sure to click the submit button once you make changes. Once finished, you will receive a confirmation email that your form has been received.

Kaiser has a dedicated concierge team to answer your questions and to help you with your Kaiser Added Choice plan:
503-813-1299 or 503-813-3613
kpconcierge-nw@kp.org

Additional Kaiser resources

Kaiser HMO 2024-25 enrollment guide
Kaiser Added Choice 2024-25 enrollment guide
Kaiser plan deductible information
Kaiser care when you need it
Kaiser no cost and discount programs

Medical and dental plan cost

麻豆国产AV will continue to pay 100% of the cost of an employee's own Kaiser insurance and 60% of the cost of dependents. Kaiser Added Choice is a "buy-up" option, so 麻豆国产AV will contribute the same amount towards this plan and you will pay the difference. Your contributions are made pre-tax (note: domestic partner coverage is taxed).

Medical cost per pay period (2x per month)

Plan Coverage 麻豆国产AV contribution per pay period (2x per month) Cost to employee per pay period
Kaiser** Individual $402.53 $0
You plus child(ren) $595.74 $128.81
You plus spouse/partner $644.05 $161.01
Family $885.57 $322.02
Kaiser Added Choice Individual $402.53 $121.38
You plus child(ren) $595.74 $347.30
You plus spouse/partner $644.05 $403.78
Family $885.57 $686.17

Dental cost per pay period

Plan Coverage 麻豆国产AV contribution per pay period Cost to employee per pay period
Willamette Dental Individual $23.13 $0
You plus child(ren) $37.71 $9.72
You plus spouse/partner $37.03 $9.27
Family $57.57 $22.96
Kaiser Individual $23.13 $9.80
You plus child(ren) $37.71 $21.55
You plus spouse/partner $37.03 $28.81
Family $57.57 $41.20
Metlife Individual $23.13 $11.18
You plus child(ren) $37.71 $40.62
You plus spouse/partner $37.03 $32.80
Family $57.57 $40.06

**麻豆国产AVs contribution to medical coverage for family HMO coverage this year will not exceed 9.5% of your full-time pay. Therefore, the cost of medical coverage is reduced on a sliding scale for those who qualify. Qualification is re-evaluated every year as of the first paycheck in January.

2025 medical and dental plan comparisons

麻豆国产AV Medical Plan Comparison

dw=not subject to deductible/deductible waived
coinsurance= percentage of total cost you are responsible to pay

Services Kaiser HMO/
Kaiser Provider Network HMO/
Specialist referral required
Kaiser Added Choice POS Plan
Network In-network only Tier 1 (Kaiser service) Tier 2 (Approved network service) Tier 3 (out of network)
Annual out of pocket limit $2,500/
member
$7,500/
family
$4,000/
member
$8,000/
family
$6,000/
member
$12,000/
family
$7,500/
member
$15,000/
family
Annual deductible

$250/member

$750/family

$1,000/
member
$3,000/
family
$2,000/
member
$6,000/
family
$3,000/
member
$9,000/
family
Preventive care and Well-Child care 100% covered/
no co-pay (dw)
100% covered 100% covered 60% cost share 
Primary care/ Naturopathy office visit  First 3 visits: $5*, then $25 (dw) First 3: $5* then $25 First 3: $5* then $30

60% cost share

Specialist office visit First 3 visits: $5*, then $35 (dw) $35 (dw) $45 (dw) 60% cost share
Outpatient mental health $25 co-pay (dw) $25 (dw)  $35 (dw) 40%
Outpatient Lab & x-ray $15 (dw) $25 (dw) 35 (dw) 60% 
Complex imaging (MRI, CAT, PET) $100 (dw) $100 70% cost share 60% cost share 
Inpatient surgery 80% cost share 80% cost share 70%  cost share subject to deductible
Outpatient surgery $250 per visit (dw) 80% cost share 70% cost share 40% cost share
Urgent care $50 (dw) $45 (dw) $55 (dw) 60% cost share
Emergency room $500 (dw) $200 (after deductible) $200 (after deductible) $200 (after deductible)
Ambulance services $75 20% cost share  20% cost share  20% cost share 
Alternative care (chiropractic, acupuncture, massage, naturopath) $25 for massage, accupuncutre, chiropractic. $25 for naturopathic using $25 for massage, accupuncture, chiropractic. $15 for naturopathic using 80% (dw) 60% (dw)
Osteopathic spinal manipulations Covered with $20 co-pay if done by a DO (doctor of osteopathy) at Kaiser $20 using $20 using $20 using
Rx $20 generic/
$40 preferred brand/
$60 non-preferred brand (dw)
$20 generic/
$40 preferred brand/
$60 non-preferred brand
At MedImpact Pharmacy: $30 generic/
$60 preferred brand/
$80 non-preferred brand
At MedImpact Pharmacy: $20 generic/
$40 preferred brand/
$60 non-preferred brand
Rx mail order generic:
up to 90 day supply for $40
preferred brand:$80
up to 90 day supply for $120 (dw)
$30 generic/
$60 preferred brand/
$100 non-preferred brand (up to 90 day supply)
At MedImpact Pharmacy: $60 generic/
$120 preferred brand/
$180 non-preferred brand (up to 90 day supply)
At MedImpact Pharmacy: $60 generic/
$120 preferred brand/
$180 non-preferred brand (up to 90 day supply)
Vision (age 19+) $25 co-pay for eye exams plus $150 hardware allowance per 24 months (dw) $25 co-pay for eye exam. Hardware not covered $30 co-pay for eye exam. Hardware not covered 40% cost share 
Vision (age 0-18) Exam 100% covered. Hardware 100% covered 1x/12 months (dw)
Annual limit of what the plan pays No limit No limit No limit No limit

麻豆国产AV Dental Plan Comparison

Services Willamette Dental Kaiser Metlife
Deductible $0 $50 $50 individual/
$150 family per calendar year
Office visit co-pay $10 ($30 for specialty visits) $0 $0
Preventive services (including exams, x-rays and cleanings) No additional charge No additional charge No additional charge
Fillings No additional charge No additional charge 20% cost share
Crowns No additional charge for stainless steel crowns, $50 charge for porcelain-metal crowns No additional charge for plastic and steel crowns. 20% cost share for gold or porcelain crowns 40% cost share
Bridges $50 per tooth 20% cost share 40% cost share
Routine extraction No additional charge No additional charge 20% cost share
Oral surgery $50 20% cost share 20% cost share
Implants Implant covered up to $1,500 per calendar year (approval by WD required) not covered not covered
Orthodontia $1,200 for comprehensive service 50% cost share lifetime benefits maximum of $1,500 50% cost share with a $1,500 lifetime maximum benefit
Dentures $100 complete upper or lower dentures 20% cost share 50% cost share
Annual maximum benefit No maximum $1,500 $2,000
Is there a network of providers? Yes, participants must go to a Willamette Dental office Yes, participants must go to a Kaiser Dental office No
The plan year runs from January 1, 2025 to December 31, 2025. These charts provide a brief comparison of some plan benefits and is not a comprehensive explanation of all benefits under these plans. Please refer to the plan documents section of this website for detailed plan information. To request a paper copy, contact HR at hr@reed.edu.

What if I want to waive coverage this year?

If you are eligible for 麻豆国产AV medical or dental insurance but are covered under a spouse or partner's policy, you may waive 麻豆国产AV's insurance. To waive insurance for the upcoming year, you will need to indicate this on the benefits open enrollment form (closed).

Flexible Spending Accounts

麻豆国产AV offers two types of flexible spending accounts, both of which enable you to set aside pre-tax dollars, decreasing your tax bill by decreasing your taxable income. Remember that you must re-enroll in FSA each year. The 2025 FSA Healthcare plan limit are $3,300 and the Dependent Care limit is $5,000. To sign up to contribute in 2025, complete the benefits open enrollment form to choose your contribution amounts.  

The maximum unused balance rollover for 2024 FSA healthcare plans is $640. This will increase to $660 in 2025.

Do you have a current FSA account?  Check your balance and manage your account by logging in to Allegiance .

Do you have the Allegiance FSA app on your mobile device? If not, click here to learn more about this tool and how you can upload receipts and request reimbursement instantly.

Retirement savings seminars 

Consider attending one of our retirement savings seminars held on campus on November 6, 2024.

1. 10:30am-11:30am in Eliot 103 - The starting line: begining to save for retirement 

2. 1:00pm-2:00pm in Library 389 - Make the move toward long-term financial security; your mid-career retirement check in

3. 3:00pm-4pm in Eliot 103 - Write your next chapter: 5 steps to setting your retirement date

What if I want to change my 403(b) retirement contribution?

You are able to enroll in or make changes to your TIAA retirement plan contributions at any time.

If you wish to change the amount you contribute to your retirement account, and click on Manage Contributions on the top of your home screen.

Benefits Open Enrollment Events?

Overview of Kaiser HMO &  Kaiser Added Choice plan coverage and cost details presented by Kaiser.

November 7, 12pm-1pm Eliot 314
November 13, 12pm-1pm (cancelled due to no RSVP's)

If you need help and are unable to make one of the above sessions, please submit a ticket to AskHR or stop by the HR office in Eliot Hall 305

How do I access my benefits statement?

View your current benefits elections, including a list of your covered dependents by logging into .

Plan documents

Kasier HMO summary of benefits
Kaiser HMO summary of benefits and coverage (SBC)
Kaiser Added Choice summary of benefits and coverage (SBC) 
Kaiser Added Choce summary of benefits
Willamette Dental summary of benefits
Kaiser dental summary of benefits
Metlife dental summary of benefits

Annual disclosures and notices

Every year we are required to provide benefits eligible faculty and staff with disclosure notices pertaining to health care coverage. Please take time to review these by clicking here.

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