2025 Benefits open enrollment
November 1–15, 2024
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 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
ºìÌÒÊÓƵ 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 ºìÌÒÊÓƵ 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 | ºìÌÒÊÓƵ 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 | ºìÌÒÊÓƵ 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 | |
**ºìÌÒÊÓƵs 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
ºìÌÒÊÓƵ Medical Plan Comparisondw=not subject to deductible/deductible waived |
||||
| 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 |
ºìÌÒÊÓƵ 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 ºìÌÒÊÓƵ medical or dental insurance but are covered under a spouse or partner's policy, you may waive ºìÌÒÊÓƵ's insurance. To waive insurance for the upcoming year, you will need to indicate this on the benefits open enrollment form.
Flexible Spending Accounts
ºìÌÒÊÓƵ 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 Eliot 103
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.
Click here to return to the top of the screen