Human Resources

Benefits open enrollment

February 12–28, 2018 (open)

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 in a flexible spending account.

Even if you do not plan on making any enrollment changes during this open enrollment, please read about important plan and cost changes below.

What action do I need to take during open enrollment?
What are the changes to our medical and dental plans?
What is Kaiser Added Choice and should I consider this new medical option?
Cost out of my paycheck

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

What action do I need to take during open enrollment?

Action is required during open enrollment to:

  • Learn about our new Kaiser Added Choice medical plan option - is this the right plan for you?
  • 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)

If you will be waiving coverage or making other changes, you must do so by completing this form no later than February 28, 2018.

What are the changes to our medical and dental plans effective April 1, 2018?

Our core Kaiser plan will continue to be offered this year with no changes to benefits and a very small cost increase. Our Regence Blue Cross/Blue Shield plan (PEHT) will also continue to be offered with no benefits changes but with a larger cost increase than usual.

This year we are offering a third choice for medical coverage, the Kaiser Added Choice plan. This plan allows you to see Kaiser doctors as well as medical providers outside of Kaiser. We offer this plan primarily because the cost of Regence Blue Cross/Blue Shield coverage is increasing significantly and it is unclear if our Regence plan will be available in upcoming years. As you may know, the Regence plan is offered through a consortium of colleges that have come together as the Pioneer Educators Health Trust (PEHT). Several colleges have left PEHT recently, and this leaves fewer participants to share costs and insurance risk.

What is Kaiser Added Choice?

Kaiser Added Choice members have access to all the services and facilities that Kaiser members have, plus the option to seek services from providers outside of Kaiser.

Added Choice website
Overview of Added Choice
List of contacts for Added Choice members
Transition of care to Added Choice
Added Choice summary of benefits

Kaiser has set up a dedicated concierge team to answer your questions and to help you make the transition to Added Choice:

Bonnie Pasko and Clydie J. King
Ph: 503-813-1299 or 503-813-3613
kpconcierge-nw@kp.org

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. The Kaiser Added Choice and Regence plans are buy-up options and so Reed will fund the same amount towards these plans and you will pay the difference. The amount you contribute to your benefits is pre-tax.

Medical cost per pay period

Plan Coverage Reed contribution per pay period Cost to employee per pay period
Kaiser** Individual $302.82 $0
Two-party $454.24 $151.40
Family (3 or more) $575.36 $272.53
Kaiser Added Choice Individual $302.82 $62.21
Two-party $454.24 $275.82
Family $575.36 $446.72
Regence Individual $302.82 $116.03
Two-party $454.24 $383.58
Family $575.36 $597.59

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 $20.43
Kaiser Individual $20.35 $11.00
Two-party $30.53 $32.52
Family $40.79 $47.49
PEHT (Regence) Individual $20.35 $8.41
Two-party $30.53 $27.01
Family $40.79 $39.77

**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.

2018 medical and dental plan comparisons

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
Kaiser Added Choice PEHT Plan/Regence Blue Cross Blue Shield PPO/
No specialist referral required
Network In-network only Tier 1 Tier 2 Tier 3 In-network Out-of-network
Annual out of pocket limit $1,500/
member
$3,000/
family
$2,250/
member
$4,500/
family
$3,000/
member
$9,000/
family
$8,000/
member
$24,000/
family
$4,000/
member
$12,000/
family
$8,000/
member
$24,000/
family
Annual deductible $0 $750/
member
$2,250/
family
$1,000/
member
$3,000/
family
$3,000/
member
$9,000/
family
member: $1,500
family: $4,500
member: $3,000
family: $9,000
Preventive care 100% covered/
no co-pay
100% covered 100% covered 40% cost share after deductible 100% covered 40% cost share
Primary & specialty care $20 $15 $25 co-pay $50 co-pay $25 for primary and $50 for specialty 40% cost share
Lab & x-ray $10 $15 20% cost share 40% cost share after deductible 20% cost share 40% cost share
Inpatient surgery 15% cost share subject to deductible subject to deductible subject to deductible 20% cost share 40% cost share
Outpatient surgery $20 per visit 20% cost share after deductible 20% cost share after deductible 20% cost share after deductible 20% cost share 40% cost share
Urgent care $20 $35 $50 40% cost share after deductible $25 co-pay $25 co-pay
Emergency room $150 $250 $250 $250 20% cost share after
a $150 co-pay
Ambulance services $75 20% cost share after deductible 20% cost share after deductible 20% cost share after deductible 20% cost share
Alternative care (chiropractic, acupuncture, massage, naturopath) $20 ($25 for massage) using network providers $20 ($25 for massage) using network providers $20 ($25 for massage) using network providers $20 ($25 for massage) using network providers not covered
Osteopathic spinal manipulations Covered with $20 co-pay if done by a DO (doctor of osteopathy) at Kaiser $20 using network providers $20 using network providers $20 using network providers Covered with $50 co-pay with an annual benefit limit of $1,500
Rx $15 generic/
$30 preferred brand/
$50 non-preferred brand
$15 generic/
$30 preferred brand/
$50 non-preferred brand
At MedImpact Pharmacy: $20 generic/
$40 preferred brand/
$60 non-preferred brand
At MedImpact Pharmacy: $20 generic/
$40 preferred brand/
$60 non-preferred brand
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
$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)
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 $15 co-pay for eye exam. Hardware not covered $25 co-pay for eye exam. Hardware not covered 40% cost share after deductible 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 No limit No limit No limit

Reed College Dental Plan Comparison

Services Willamette Dental Kaiser Regence
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, 2018 to March 31, 2019. 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 2018-2019 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 you must re-enroll in FSA each year. To re-enroll, complete the online benefits open enrollment change form to choose your contribution amounts for the 2018-2019 plan year.

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

Do you have the Allegiance FSA app on your mobile device? If not, click here to learn more about this tool!

How do I access my 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?

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, log in to your TIAA account and click on the manage contributions option on the top of your home screen.

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

Lunch and Learn: What is Kaiser Added Choice?
This lunch and learn will be held on Tuesday, February 13 and again on Thursday, February 15 from Noon to 1pm in Eliot 314

Drop by at any time during the hours listed below to ask questions about your medical, dental and flexible spending account options:

Wednesday, February 14 between 10am-12pm in Eliot 103
Tuesday, February 20 between 8:30am-10:30am in Eliot 103
Thursday, February 22 between 3pm-5pm in Eliot 207
Tuesday, February 27 from 12pm-2pm in Eliot 314

If you need help and are unable to make one of the above sessions, please call Cypress Cohen at 503-777-7255 or email hr@reed.edu.

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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