Human Resources

Benefits open enrollment

February 13–28, 2017 (closed)

Open enrollment is your annual opportunity to review current benefit elections and make choices for the upcoming plan year which starts on April 1st. You may choose to change from one medical or dental plan to another, add or remove dependents, or enroll.

If you do not wish to make any changes to your benefits and do not elect to participate in a flexible spending account starting April 1, 2017, no action is required at this time.

There will be modest cost changes for both medical plans this year.  Alternative care benefits will be added to the Kaiser medical plan and osteopathic spinal manipulation will be added to the Regence plan.  Even if you do not plan on making any enrollment changes during this open enrollment, please read about plan changes below.

What action do I need to take during open enrollment?
What are the changes to our medical and dental plans?
Cost
Medical and dental plan comparisons
What if I want to waive coverage this year?
Flexible spending accounts
How can I get help with my benefits?
What if I want to change my TIAA contribution?
Annual disclosures and notices
Confirmation of your 2017-2018 benefits elections

What action do I need to take during open enrollment?

If you are not making any changes to your benefits and do not wish to participate in a flexible spending account (FSA), no action is required 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 available medical and/or dental plans
  • Add or drop coverage for yourself and/or qualifying dependents
  • Waive medical coverage for the plan year (even if you have waived in previous years)

Do any of these apply to you? If so, click here to complete the benefits open enrollment change form.

What are the changes to our medical and dental plans effective April 1, 2017?

There are a few changes to our medical plans this year and no changes to our dental plans. 

Kaiser medical plan changes:

  • Alternative care is added to our Kaiser plan.  After April 1, you may visit naturopaths, chiropractors, acupuncturists, and massage therapists without a referral.  You must visit a practitioner within the CHPGroup.com network and you'll pay a $20 or $25 copay.  You are limited to 12 massages in a calendar year.  See this flyer for details.
  • Prescriptions for all Kaiser plans will now be either $15, $30 or $50.  Previously, all prescriptions were $15 or $30. This is a change that Kaiser is making to all of its plans and one that Reed cannot decline.

Regence (PEHT) medical  plan changes: 

  • Chiropractic services are now covered by the Regence (PEHT) plan, so long as they are administered by a doctor of osteopathy (DO).

Medical and dental plan cost

Reed will continue to pay 100% of the cost of an employee's own Kaiser insurance and up to 50% of the cost of the Kaiser family plan.  This year, medical rates will have a small increase.  Regence (PEHT) dental rates will also increase. There will be no change in the cost of our Willamette and Kaiser dental plans.

Medical cost per pay period

Plan
Coverage
Reed contribution per pay period
Cost to employee per pay period
Kaiser**
Individual $294.48 $0
Two-party $441.72 $147.24
Family (3 or more) $559.52 $265.02
Regence
Individual $294.48 $53.84
Two-party $441.72 $255
Family $559.52 $415.90

Dental cost per pay period

Plan
Coverage
Reed contribution per pay period
Cost to employee per pay period
Willamette Dental
Individual $20.35 $0
Two-party $30.53 $10.17
Family $40.79 $20.44
Kaiser Dental
Individual $20.35 $9.12
Two-party $30.53 $28.75
Family $40.79 $42.20
PEHT Regence Dental
Individual $20.35 $9.88
Two-party $30.53 $29.95
Family $40.79 $43.88

**Pro-rated premiums:  Per Reed policy, the employee contribution to the Kaiser (core) medical plan will not exceed 9.5% of the full-time equivalent of the employee's base salary or wage.  Employee paycheck contributions will be reduced based on a sliding scale if they qualify. Qualifications for reduced premiums are re-evaluated every plan year and will be adjusted as of the first pay period in April.

2017 medical and dental plan comparisons

Effective April 1, 2017 Reed's medical insurance providers continue to be Kaiser and PEHT (Regence Blue Cross Blue Shield).  Reed's dental providers continue to be Wilamette Dental, Kaiser and PEHT (Regence). Take a look at the medical and dental plan comparison charts below for an overview of some plan details. Visit the medical plans and dental plans pages to access more detailed plan summaries and certificates of coverage.

Reed College Medical Plan Comparison

Services
Kaiser HMO/Kaiser Provider Network HMO/Specialist referral required
Pioneer Educators Medical Trust Plan/Regence Blue Cross Blue Shield PPO/No specialist referral required
Network In-network only In-network Out-of-network
Annual out of pocket limit

$1,500/member
$3,000/family

$4,000/individual
$12,000/family

$8,000/individual
$24,000/family

Annual deductible
none

individual: $1,500
family: $4,500

individual: $3,000
family: $9,000

Preventive care
100% covered/no co-pay 100% covered/no co-pay 40% cost share
Primary & specialty care
$20 co-pay $25 co-pay for primary and $50 for specialty 40% cost share
Lab & x-ray
$10 co-pay 20% cost share 40% cost share
Inpatient surgery

15% cost share

20% cost share 40% cost share
Outpatient surgery
$20 per visit 20% cost share 40% cost share
Urgent care
$20 per visit $25 co-pay $25 co-pay
Emergency room
$150 per visit 20% cost share after
a $150 co-pay
Ambulance services
$75 per trip 20% cost share
Alternative care (chiropractic, acupuncture, massage, naturopath)

$20 - $25 co-pay per visit with annual maximum benefit of $1,500 for all services combined

Use CHPGroup.com network to find a provider

not covered
Osteopathic spinal manipulations
Covered with $20 co-pay if done by a DO (doctor of osteopathy) at Kaiser Covered with $25 co-pay with an annual benefit limit of $1,500
Rx

generic: $15

preferred brand: $30

non-preferred brand: $50

generic: $20

preferred brand: $40

non-preferred brand: $60

Rx mail order

generic:
up to 90 day supply for $30

preferred brand:
up to 90 day supply for $60

generic
$30 for a 90 day supply

preferred brand
$60 for a 90 day supply

Vision

 

$20 co-pay for eye exams plus $150 hardware allowance per 24 months

Dependent children 18 years of age and under: 1 exam per year, 1 frame and one lens order per year not covered
Annual limit of what the plan pays
No limit No limit No limit

Reed College Dental Plan Comparison for Plan Year

Services
Willamette Dental
Kaiser Dental
Regence Dental
Deductible
$0 $50

$50 individual/$150 family per calendar year

Office visit co-pay

$10 ($30 for specialty visits)

$20 $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 50% cost share
Bridges
$50 per tooth 20% cost share 50% cost share
Routine extraction
No additional charge No additional charge 20% cost share
Oral surgery
$50 20% co-insurance 20% cost share
Implants
not covered 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 $1,500
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 April 1, 2017 to March 31, 2018. 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 summary plan documents posted on the bottom of the medical and dental plan pages for detailed plan information. To request paper copies, contact human resources at hr@reed.edu or by calling 503-777-7255

What if I want to waive coverage this year?

Faculty and staff who are eligible for Reed health insurance but are covered under a spouse or domestic partner's policy may waive Reed's health insurance. To waive insurance for the 2017-2018 plan year you will need to indicate this on the open enrollment form. 

Flexible Spending Accounts

Reed 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. You can reduce the costs of medical expenses not covered by insurance and dependent daycare expenses by paying these costs on a pre-tax basis. Click here to read more about flexible spending account plans offered through Allegiance. Remember that even if you have participated in a flexible spending account during the last plan year, re-enrollment is required. To re-enroll, complete the online benefits open enrollment change form to choose your contribution amounts for the 2017-2018 plan year.

How do I access my current benefits statement?

View your current benefits elections, including a list of currently covered dependents by logging into Griffin Payroll Services (GPS). If you have forgotten your PIN, email hr@reed.edu and you will be sent a new PIN.


What if I want to change my retirement contribution?

Benefits eligible faculty and staff are able to enroll in, and/or make changes to, their TIAA retirement plan contributions at any time. If you wish to change the amount you contribute to your retirement account, submit a salary reduction form to HR. 

What if I want help with making changes to my benefits?

Human resources offers benefits drop-in workshops:

  • Wednesday, February 15: 11am-1pm in ETC 211
  • Friday, February 17: 8am-10am in 28 West CR
  • Tuesday, February 21: 11am-1pm in Eliot 207
  • Thursday, February 23: 8am-10am in ETC 205
If you need help and are unable to make one of the above drop-in sessions, please call Cypress Cohen at 503-777-7255 or email cypress.cohen@reed.edu.

Annual disclosures and notices

Every year we are required to provide Reed benefits eligible faculty and staff with several disclosure notices pertaining to health care coverage. Please take the time to review these by clicking here. If you have any questions about the contents of these notices, human resources will be happy to assist you.

Confirmation of your 2017-2018 benefits elections

The last day to participate in open enrollment will be February 28, 2017. You will receive confirmation of your requested changes in the form of a benefits statement that will be sent to you in mid-March. This paper statement will look similar to what you have received after previous Reed open enrollments. Please review this statement and notify HR immediately if you see any inaccurate information. All changes in deductions will be reflected on your first pay check in April.

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