Human Resources

Benefits open enrollment (now closed)

February 16th - March 2nd, 2015

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

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, 2015 and do not wish to waive medical and/or dental coverage, no action is required at this time.

There will be cost and plan design changes for both medical plans this year.  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-CREF contribution?
Annual disclosures and notices
Benefits lunchtime seminars
Impact of the Affordable Care Act
Confirmation of your 2015-2016 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 and all of your benefits, except for your FSA, will remain the same. 

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.

Click here to complete the medical and dental waiver form if you wish to waive medical coverage for the 2015-2016 plan year.

What are the changes to our medical and dental plans effective April 1, 2015?

There are no changes to our dental plans this year and only one plan, the Regence dental plan, will increase in cost (by 2.4%). There are a few changes to our medical plans as follows. Remember to review the cost section for information on how much your per pay check cost will be starting in April:

Kaiser plan changes:

  • The maximum out of pocket per calendar year will change from $1,000 for individuals or $2,000 for families to $1,500 for individuals and $3,000 for families
  • Emergency room visit co-pays will change from $75 to $150
  • Inpatient hospital cost will change from $50 per day to a 15% cost share, up to the annual out of pocket maximum of $1,500 for individual coverage or $3,000 for family coverage
  • Labs and x-rays will change from a $0 co-pay to a $10 co-pay
  • All prescription drug co-pays will now count towards the maximum out of pocket benefit
  • Vision care will change from exams only to exams plus $150 allowance every 24 months for glasses or contacts

Regence plan changes:

  • The annual plan deductible will change from $250 to $500 for individual coverage and from $750 to $1,000 for family coverage
  • The maximum out of pocket per calendar year will change from $2,250 to $3,000 for individual coverage and from $6,750 to $10,500 for family coverage
  • Emergency room visits will change from a 20% cost share after a $150 co-pay to a 20% cost share after a $250 co-pay
  • Pediatric vision care (for your dependent children 18 years of age and younger) with one exam and one pair of glasses and contacts per year

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 insurance rates will increase and dental insurance rates will not.

Medical cost per pay period

Plan
Coverage
Reed contribution per pay period
Cost to employee per pay period
Kaiser**
Individual $265.85 $0
Two-party $398.78 $132.92
Family (3 or more) $505.12 $239.25
Regence
Individual $265.85 $38.79
Two-party $398.78 $210.58
Family $505.12 $347.99

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 $40.80 $20.43
Kaiser Dental
Individual $20.35 $7.81
Two-party $30.53 $26.10
Family $40.79 $38.49
PEHT Regence Dental
Individual $20.36 $6.81
Two-party $30.53 $23.83
Family $40.79 $35.30

**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 it is determined that the there is a qualification for an adjusted rate. Qualifications for reduced premiums are re-evaluated every plan year and will be adjusted as of the first pay period in April based on your plan elections for the year and your current salary or wage. 

2015 medical and dental plan comparisons

Effective April 1, 2015 Reed's medical insurance providers continue to be Kaiser and Regence Blue Cross Blue Shield.  Reed's dental providers continue to be Wilamette Dental, Kaiser and 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

$3,000/individual
$10,500/family

$6,500/individual
$19,500/family

Annual deductible
none

individual: $500
family: $1000

individual: $500
family: $1,500

Preventive care
100% covered/no co-pay 100% covered/no co-pay 40% cost share
Primary & specialty care
$20 co-pay $25 co-pay 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
Rx

generic
$15

preferred brand & specialty
$30

Kaiser pharmacy only

generic
$20

preferred brand: $40

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 lense 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 $0

$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 benfefit
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, 2015 to March 31, 2016. 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 2015-2016 plan year you will need to complete a medical waiver form and return it to human resources. Waivers must be re-submitted each year in order to qualify for the lump sum payment and must be submitted by the last day of open enrollment on March 2, 2015.

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 2015-2016 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 TIAA-CREF contribution?

Benefits eligible faculty and staff are able to enroll in, and/or make changes to, their TIAA-CREF 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 human resources. 

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

Human resources will be holding drop-in workshops on the following dates and times:

  • Friday, February 20th from 8am-10am in ETC 205
  • Tuesday, February 24th from 3pm-5pm in Eliot 121
  • Friday, February 27th from 11am-1pm in PAB 104

If you need help and are unable to make one of the above drop-in sessions, please call Cypress Allard at 503-777-7255 or email allardc@reed.edu for assistance.

Benefits lunchtime seminars

  • How to get the most from your flexible spending account
    Monday, February 16th from 12pm-1pm in Psychology 105

  • Which medical plan should I choose? How to get the most out of your medical plan
    Tuesday, February 17th from 12pm-1pm in Gray Lounge

  • Which dental plan should I choose? How to get the most out of your dental plan
    Thursday, February 19th from 12pm-1pm in Gray Lounge

  • Using your mental health benefits: Kaiser, Regence, and Cascade Centers (EAP) will talk about mental health benefits
    Tuesday, February 24th from 12pm-1pm in GCC-BCD

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.

Impact of the Affordable Care Act

The Affordable Care Act (ACA/Obamacare) has led to some big changes over the last few years and promises even more in years to come. Though Reed medical plan structures will remain almost identical to what they were last year, the ACA has caused some changes to how health plans are structured and who is covered including these:

  • Starting in 2014, the ACA's individual mandate requires most people to have health insurance.
  • If you have access to affordable, comprehensive coverage that meets the minimum value from your employer, you won't be eligible for the state exchange subsidies.
  • Group plans can no longer put limits on what they will pay for essential health benefit services.
  • There are new rules for how plans calculate out-of-pocket maximums; all in-network co-pays, prescriptions and medical visits count towards your maximum out of pocket expenses for each plan year.
  • Preventative care coverage such as routine physicals and well-child exams, generic birth control and routine screenings are now covered without cost share or co-pay.

The Affordable Care Act will continue to impact the way we purchase and utilize health insurance in the United States and Reed will continue to provide the best plans possible with cost containment. Read about the new health insurance marketplace options and your health coverage.

Confirmation of your 2015-2016 benefits elections

The last day to participate in open enrollment will be March 2, 2015. You will receive confirmation of your requested changes by April 1, 2015. This confirmation will come in the form of a benefits statement that will be sent to you mid-March. This paper statement will look similar to what you have received after previous Reed open enrollments. Please review this statement and notify human resources 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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