Human Resources

Benefits open enrollment 

February 13–27, 2020

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. 

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?
Meet Wellthy, our new enhanced EAP for Eldercare
What is Kaiser Added Choice?
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?
How can I get help with my benefits?
What if I want to change my retirement (403b) 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 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 the online form no later than February 27, 2020.

Please click here (link available February 13-27) to complete the online open enrollment form. Be sure to click submit. Once finished, you will receive a confirmation email that your form has been received.

What are the changes to our medical and dental plans effective April 1, 2020?

Our Kaiser Added Choice plan will now include fertility benefits to match our Kaiser HMO plan (not IVF).

Our Willamette Dental plan will now include a benefit of up to $1,500 per year for dental implants.

Meet Wellthy, a new benefit for Eldercare and caregiving needs

Starting on April 1 we will be offering (on a trial basis for this next year) an enhanced employee assistance program for Eldercare called Wellthy. Faculty and staff who are approved by the HR office to use the service will have access, for three months, to a dedicated person (Care Coordinator) and ongoing access to a shared family website to assist in the compex duties of caregiving.

To learn more about this program, attend our lunch and learn on Thursday, February 13 at 12pm in GCC-CD.

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

Kaiser has a dedicated concierge team to answer your questions and to help you with your Kaiser Added Choice plan:
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 60% of the cost of dependents on this plan. The Kaiser Added Choice plan is a buy-up option 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 (2x per month) Cost to employee per pay period
Kaiser** Individual $306.97 $0
You plus child(ren) $454.32 $98.23
You plus spouse/partner $491.15 $122.79
Family $675.33 $245.57
Kaiser Added Choice Individual $306.97 $61.45
You plus child(ren) $454.32 $208.83
You plus spouse/partner $491.15 $245.67
Family $675.33 $429.91

Dental cost per pay period

Plan Coverage Reed contribution per pay period Cost to employee per pay period
Willamette Dental Individual $24.35 $0
You plus child(ren) $39.70 $10.23
You plus spouse/partner $38.98 $9.75
Family $60.61 $24.17
Kaiser Individual $24.35 $8.08
You plus child(ren) $39.70 $18.68
You plus spouse/partner $38.98 $25.89
Family $60.61 $36.69
Metlife Individual $24.35 $4.38
You plus child(ren) $39.70 $25.91
You plus spouse/partner $38.98 $19.51
Family $60.61 $21.16

**Pro-rated premiums: Per Reed policy, the employee contribution to the Kaiser HMO (core) medical family 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.

2020 medical and dental plan comparisons

Reed College Medical Plan Comparison

Services Kaiser HMO/
Kaiser Provider Network HMO/
Specialist referral required
Kaiser Added Choice
Network In-network only Tier 1 Tier 2 Tier 3 (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
$6,000/
member
$18,000/
family
Annual deductible $0 $750/
member
$2,250/
family
$1,000/
member
$3,000/
family
$3,000/
member
$9,000/
family
Preventive care 100% covered/
no co-pay
100% covered 100% covered 40% cost share after deductible
Primary & specialty care $20 $15 $25 co-pay

Primary: 40% cost share after deductible

Specialty: 30% cost share after deductible

Lab & x-ray $10 $15 20% cost share 40% cost share after deductible
Inpatient surgery 15% cost share subject to deductible subject to deductible subject to deductible
Outpatient surgery $20 per visit 20% cost share after deductible 20% cost share after deductible 40% cost share after deductible
Urgent care $20 $35 $50 40% cost share after deductible
Emergency room $150 $250 $250 $250
Ambulance services $75 20% cost share after deductible 20% cost share after deductible 20% cost share after deductible
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
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
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
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)
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
Annual limit of what the plan pays No limit No limit No limit No limit

Reed College 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) $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 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% co-insurance 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 April 1, 2020 to March 31, 2021. 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 paper copies, contact human resources at hr@reed.edu or by calling 503-777-7255

What if I want to waive coverage this year?

If you are eligible for Reed health insurance but are covered under a spouse or domestic partner's policy you may waive Reed's health insurance. To waive insurance for the 2020-2021 plan year you will need to indicate this on the open enrollment form. Waiving medical and or dental insurance is your choice but we do not offer employees pay or other incentives to do so.

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 form to choose your contribution amounts for the 2020-2021 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 payroll@reed.edu and you will be sent a new PIN.

What if I want to change my retirement contribution?

You are able to enroll in, and/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, 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 events
Kaiser HMO and Kaiser Added Choice comparison: February 18, from 12-1pm in Eliot 207
How to use the Kaiser Mental Health benefits: February 20, from 12-1pm in Eliot 207
Flexible Spending Accounts, what are they?: February 21, from 12-1pm in Eliot 103

One-on-one sessions with Kaiser Added Choice concierge
February 20, 9am-3pm in Eliot 419. Reserve your spot here.

Kaiser Care Gap appointments
February 27, 9am-3pm in Eliot 419. Reserve your spot here.

Drop by at any time during the hours listed below to ask questions about your medical, dental and flexible spending account options:
Thursday, February 13 between 3pm-5pm in Eliot 121
Wednesday, February 19 between 10am-12pm in Eliot 126
Tuesday, February 25 between 11am-1pm in Eliot 419

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

Plan documents

Kaiser HMO summary of benefits
Kaiser HMO summary of benefits and coverage
Kaiser Added Choice summary of benefits
Kaiser Added Choice summary of benefits and coverage
Metlife dental summary of benefits
Willamette Dental summary of benefits
Willamette Dental certificate of coverage
Kaiser 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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