Human Resources

2023 Benefits open enrollment (Closed)

November 1 - November 15, 2022 

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, 2023. 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 no changes to our medical or dental plans. Our plans will see a modest cost increase. 

Downloadable benefits guide for 2023
What action do I need to take during open enrollment?
What is Kaiser Added Choice?
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?
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 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 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.

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:
503-813-1299 or 503-813-3613
kpconcierge-nw@kp.org

Additional Kaiser resources

Covid vaccination & boosters: log in to kp.org to schedule your covid vaccination and/or booster. 

Kaiser mental health and wellness resources
Kaiser self care: Calm and MyStrength

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. Kaiser Added Choice is a "buy-up" option, so Reed will contribute the same amount towards this plan and you will pay the difference. Your contributions are made 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 $366.28 $0
You plus child(ren) $542.09 $117.20
You plus spouse/partner $586.04 $146.51
Family $805.80 $293.02
Kaiser Added Choice Individual $366.28 $86.35
You plus child(ren) $542.09 $272.64
You plus spouse/partner $586.04 $319.22
Family $805.80 $552.08

Dental cost per pay period

Plan Coverage Reed 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 $9.30
You plus child(ren) $37.71 $20.67
You plus spouse/partner $37.03 $27.83
Family $57.57 $39.72
Metlife Individual $23.13 $6.60
You plus child(ren) $37.71 $30.19
You plus spouse/partner $37.03 $23.50
Family $57.57 $27.05

**Reed commits that employees' contribution to medical coverage for themselves and their family will not exceed 9.5% of their full-time pay. Therefore, the cost of medical coverage is reduced on a sliding scale for those who qualify. For employees who qualify but choose Kaiser Added Choice, Reed contributes the same amount that the employee would have received if they chose the Kaiser plan. Qualification is re-evaluated every year as of the first paycheck in January.

2023 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 (Kaiser service) Tier 2 (Approved First Choice Health network service) 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) $25 for massage, accupuncutre, chiropractic. $20 for naturopathic using network providers $25 for massage, accupuncture, chiropractic. $15 for naturopathic using network providers $25 for massge, accupuncture, chiropractic. $25 naturopathic using network providers 40% cost share
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 January 1, 2023 to December 31, 2023. 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 Reed medical or dental insurance but are covered under a spouse or partner's policy, you may waive Reed's insurance. To waive insurance for the upcoming year, you will need to indicate this on the benefits 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. 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 benefits open enrollment form to choose your contribution amounts for the 2023 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 and how you can upload receipts and request reimbursement instantly.

How do I access my benefits statement?

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

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, log in to your TIAA account and click on Manage Contributions on the top of your home screen.

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

Lunch and learn events

Kaiser vs. Kaiser Added Choice: Which one is right for you? 

  • Thursday, November 3, noon-1pm in Vollum 110
  • Tuesday, November 8, 12pm-1pm in Vollum 110

Drop in sessions to ask questions about your medical, dental and flexible spending account options

  • Friday, November 4, 9am-11am in Eliot 305
  • Monday, November 7, 1pm-3pm in Eliot 305
  • Monday, November 14, 10am-noon in Eliot 305

If you need help and are unable to make one of the above sessions, please call Human Resources 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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