Insurance and Benefits

Effective October 1, 2025

Full-time staff (1.0 FTE) receive a $1,485.00 Benefit Contribution Plan
Part-time staff receive a benefit contribution prorated by FTE

Medical Coverage - Moda

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Moda Medical Plan 1	$821.57	$1,807.46	$1,561.02	$2,546.95
Moda Medical Plan 2	$762.14	$1,676.70	$1,448.09	$2,362.67
Moda Medical Plan 3	$715.01	$1,573.04	$1,358.56	$2,216.61
Moda Medical Plan 4	$675.14	$1,485.32	$1,282.79	$2,093.00
Moda Medical Plan 5	$623.66	$1,372.08	$1,185.00	$1,933.42
Moda Medical Plan 6 (HSA)*	$636.16	$1,399.56	$1,208.74	$1,972.14
Moda Medical Plan 7 (HSA)*	$593.73	$1,306.20	$1,128.12	$1,840.60

* This plan MAY be paired with a HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered medical expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

Medical Coverage - Kaiser

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Kaiser Medical Plan 1	$730.92	$1,608.03	$1,388.75	$2,265.86
Kaiser Medical Plan 2A	$638.13	$1,404.79	$1,212.39	$1,979.17
Kaiser Medical Plan 2B	$623.00	$1,371.45	$1,183.62	$1,932.21
Kaiser Medical Plan 3 (HSA)**	$483.08	$1,063.41	$917.46	$1,497.83

** This plan MAY be paired with an HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

Dental Coverage

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Delta Dental Premier Plan 1 w/Ortho	$69.45	$137.60	$153.00	$226.59
Delta Dental Premier Plan 5 w/Ortho	$61.35	$121.52	$135.13	$200.13
Delta Dental Premier Plan 6*** no Ortho	$46.84	$92.72	$94.12	$143.79
Delta Dental Exclusive PPO Incentive Plan**** w/Ortho	$60.21	$119.27	$132.63	$196.41
Delta Dental Exclusive PPO Plan**** w/Ortho	$40.58	$80.37	$89.38	$132.38
Kaiser Dental Plan w/Ortho	$75.76	$166.70	$143.97	$234.88
Willamette Dental Plan w/Ortho	$48.17	$96.34	$102.62	$153.93

*** This Plan has no orthodontia coverage

**** This plan has no out-of-network benefit. Services performed outside the Delta Dental PPO network are not covered unless for a dental emergency. Covered emergencies consist of problem focused exam, palliative treatment and x-rays. All other services are considered non-covered.

Vision Coverage

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Moda Opal Plan	$21.83	$47.99	$41.40	$67.60
Moda Pearl Plan	$17.81	$39.24	$33.87	$55.26
Moda Quartz Plan	$12.58	$27.71	$23.91	$38.99
Kaiser Vision Plan*****	$8.49	$18.67	$16.12	$26.31
VSP Choice Plus Plan	$14.15	$31.14	$26.90	$43.87
VSP Choice Plan	$6.89	$15.14	$13.08	$21.33

*****Kaiser Vision can only be selected if Kaiser Medical is selected

2025-26 Benefits Comparison

Effective October 1, 2025

Full-time staff (1.0 FTE) receive a $1,535.00 Benefit Contribution
Part-time staff receive a benefit contribution prorated by FTE

Medical Coverage - Moda

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Moda Medical Plan 1	$821.57	$1,807.46	$1,561.02	$2,546.95
Moda Medical Plan 2	$762.14	$1,676.70	$1,448.09	$2,362.67
Moda Medical Plan 3	$715.01	$1,573.04	$1,358.56	$2,216.61
Moda Medical Plan 4	$675.14	$1,485.32	$1,282.79	$2,093.00
Moda Medical Plan 5	$623.66	$1,372.08	$1,185.00	$1,933.42
Moda Medical Plan 6 (HSA)*	$636.16	$1,399.56	$1,208.74	$1,972.14
Moda Medical Plan 7 (HSA)*	$593.73	$1,306.20	$1,128.12	$1,840.60

* This plan MAY be paired with a HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered medical expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

Medical Coverage - Kaiser

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Kaiser Medical Plan 1	$730.92	$1,608.03	$1,388.75	$2,265.86
Kaiser Medical Plan 2A	$638.13	$1,404.79	$1,212.39	$1,979.17
Kaiser Medical Plan 2B	$623.00	$1,371.45	$1,183.62	$1,932.21
Kaiser Medical Plan 3 (HSA)**	$483.08	$1,063.41	$917.46	$1,497.83

** This plan MAY be paired with an HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

 

Dental Coverage

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Delta Dental Premier Plan 1 w/Ortho	$69.45	$137.60	$153.00	$226.59
Delta Dental Premier Plan 5 w/Ortho	$61.35	$121.52	$135.13	$200.13
Delta Dental Premier Plan 6*** no Ortho	$46.84	$92.72	$94.12	$143.79
Delta Dental Exclusive PPO Incentive Plan**** w/Ortho	$60.21	$119.27	$132.63	$196.41
Delta Dental Exclusive PPO Plan**** w/Ortho	$40.58	$80.37	$89.38	$132.38
Kaiser Dental Plan w/Ortho	$75.76	$166.70	$143.97	$234.88
Willamette Dental Plan w/Ortho	$48.17	$96.34	$102.62	$153.93

*** This Plan has no orthodontia coverage

**** This plan has no out-of-network benefit. Services performed outside the Delta Dental PPO network are not covered unless for a dental emergency. Covered emergencies consist of problem focused exam, palliative treatment and x-rays. All other services are considered non-covered.

Vision Coverage

Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family
Moda Opal Plan	$21.83	$47.99	$41.40	$67.60
Moda Pearl Plan	$17.81	$39.24	$33.87	$55.26
Moda Quartz Plan	$12.58	$27.71	$23.91	$38.99
Kaiser Vision Plan*****	$8.49	$18.67	$16.12	$26.31
VSP Choice Plus Plan	$14.15	$31.14	$26.90	$43.87
VSP Choice Plan	$6.89	$15.14	$13.08	$21.33

*****Kaiser Vision can only be selected if Kaiser Medical is selected

2025-26 Benefits Comparison

Effective October 1, 2025

Full-time staff (1.0 FTE) receive a $2,032.59 Benefit Contribution
Part-time staff receive tier rates and a benefit contribution prorated by FTE

Medical Coverage - Moda

	Part-Time				Full-Time
Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family	Employee + Dependents
Moda Medical Plan 1	$821.57	$1,807.46	$1,561.02	$2,546.95	$1,955.33
Moda Medical Plan 2	$762.14	$1,676.70	$1,448.09	$2,362.67	$1,813.86
Moda Medical Plan 3	$715.01	$1,573.04	$1,358.56	$2,216.61	$1,701.74
Moda Medical Plan 4	$675.14	$1,485.32	$1,282.79	$2,093.00	$1,606.85
Moda Medical Plan 5	$623.66	$1,372.08	$1,185.00	$1,933.42	$1,484.31
Moda Medical Plan 6 (HSA)*	$636.16	$1,399.56	$1,208.74	$1,972.14	$1,514.06
Moda Medical Plan 7 (HSA)*	$593.73	$1,306.20	$1,128.12	$1,840.60	$1.413.06

* This plan MAY be paired with a HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered medical expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

Medical Coverage - Kaiser

	Part-Time				Full-Time
Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family	Employee + Dependents
Kaiser Medical Plan 1	$730.92	$1,608.03	$1,388.75	$2,265.86	$1,737.27
Kaiser Medical Plan 2A	$638.13	$1,404.79	$1,212.39	$1,979.17	$1,525.88
Kaiser Medical Plan 2B	$623.00	$1,371.45	$1,183.62	$1,932.21	$1,493.89
Kaiser Medical Plan 3 (HSA)**	$483.08	$1,063.41	$917.46	$1,497.83	$1,158.67

** This plan MAY be paired with an HSA (Health Savings Account), but the HSA is not required. Pharmacy is included in this plan as any other covered expense. Rx's are applied to the deductible. Once the deductible is met Rx's are paid at the same level as other covered medical expenses.

 

Dental Coverage

	Part-Time				Full-Time
Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family	Employee + Dependents
Delta Dental Premier Plan 1 w/Ortho	$69.45	$137.60	$153.00	$226.59	$168.93
Delta Dental Premier Plan 5 w/Ortho	$61.35	$121.52	$135.13	$200.13	$149.20
Delta Dental Premier Plan 6*** no Ortho	$46.84	$92.72	$94.12	$143.79	$107.68
Delta Dental Exclusive PPO Incentive Plan**** w/Ortho	$60.21	$119.27	$132.63	$196.41	$146.43
Delta Dental Exclusive PPO Plan**** w/Ortho	$40.58	$80.37	$89.38	$132.38	$98.69
Kaiser Dental Plan w/Ortho	$75.76	$166.70	$143.97	$234.88	$180.29
Willamette Dental Plan w/Ortho	$48.17	$96.34	$102.62	$153.93	$123.59

*** This Plan has no orthodontia coverage

**** This plan has no out-of-network benefit. Services performed outside the Delta Dental PPO network are not covered unless for a dental emergency. Covered emergencies consist of problem focused exam, palliative treatment and x-rays. All other services are considered non-covered.

Vision Coverage

	Part-Time				Full-Time
Plan	Employee Only	Employee + Spouse/DP	Employee + Child(ren)	Family	Employee + Dependents
Moda Opal Plan	$21.83	$47.99	$41.40	$67.60	$49.80
Moda Pearl Plan	$17.81	$39.24	$33.87	$55.26	$40.71
Moda Quartz Plan	$12.58	$27.71	$23.91	$38.99	$28.74
Kaiser Vision Plan*****	$8.49	$18.67	$16.12	$26.31	$20.19
VSP Choice Plus Plan	$14.15	$31.14	$26.90	$43.87	$33.97
VSP Choice Plan	$6.89	$15.14	$13.08	$21.33	$16.51

*****Kaiser Vision can only be selected if Kaiser Medical is selected

2025-26 Benefits Comparison

Optional Life Insurance Plans and rates

2025-26 Plan Year

Rates are monthly unless otherwise noted

Optional Employee Life Plans and Rates

$10,000 - $500,000 Maximum Benefit

Age as of Each October 1st	Monthly Rate Per Each $10,000 Benefit If employee HAS NOT used tobacco in the past 12 months	If employee HAS used tobacco in the past 12 months
Under 25	$0.150	$0.230
25-29	$0.170	$0.270
30-34	$0.190	$0.360
35-39	$0.270	$0.410
40-44	$0.380	$0.550
45-49	$0.580	$0.810
50-54	$0.880	$1.240
55-59	$1.650	$2.270
60-64	$2.520	$3.460
65-69	$4.860	$6.510
70-74	$5.660	$9.270
75+	$7.880	$10.100

 

Optional Spouse Life Plans and Rates

$10,000 - $500,000 Maximum Benefit

Age as of Each October 1st	Monthly Rate Per Each $10,000 Benefit If employee HAS NOT used tobacco in the past 12 months	If employee HAS used tobacco in the past 12 months
Under 25	$0.380	$0.540
25-29	$0.450	$0.640
30-34	$0.600	$0.860
35-39	$0.680	$0.980
40-44	$0.800	$1.190
45-49	$1.200	$1.820
50-54	$1.840	$2.670
55-59	$3.400	$4.700
60-64	$5.140	$7.040
65-69	$9.820	$13.170
70-74	$11.770	$16.480
75+	$16.480	$34.830

 

Optional Child Life Plan and Rate

Monthly Rate for Each $2,000 of Benefit	$0.100

Accidental Death and Dismemberment Optional Plans

Optional Employee AD&D Plan

$10,000 - $500,000 Maximum Benefit

Rate per $10,000 of benefit

$0.150

 

Optional Spouse AD&D Plan

$10,000 - $500,000 Maximum Benefit

Rate per $10,000 of benefit

$0.150

 

Optional Child AD&D Plan

$2,000 - $10,000 Maximum Benefit

Rate per $10,000 of benefit

$0.040

Long Term Disability Plans and Rates

2025-26 Plan Year

Voluntary Enrollment - Employee Paid Plans
Allows each employee to choose whether or not they wish to enroll.
Premiums must be paid by the employee.

WESD Offers Plan 6	Plan 6
Benefit Waiting Period (Days)	90
Maximum Monthly Benefit	$8,000
Monthly Premium = Employee's Average Monthly Wage Multiplied by this Rate (Not to exceed Max Monthly Pre-disability Earnings*)	0.00318

 

Short Term Disability Plans and Rates

2025-26 Plan Year

Voluntary Enrollment - Employee Paid Plans
Allows each employee to choose whether or not they wish to enroll.
Premiums must be paid by the employee.

WESD Offers Plan 12	Plan 12
Benefit Waiting Period (Days)	7
Benefit Duration (Days)	90
Maximum Monthly Benefit	$1,500
Benefit Percentage	70%
Monthly Premium = Employee's Average Monthly Wage Multiplied by this Rate (Not to exceed Max Monthly Pre-disability Earnings*)	0.0008

 

*Maximum Monthly Pre-disability Earnings:
For 66 2/3% Plan: The first $9,750 of employee's monthly pre-disability earnings.
For 70% Plan: The first $9,286 of employee's monthly pre-disability earnings.

Optional Plan Handbook

Unum Long Term Care Plan

2025-26 Plan Year (no change from 2024-25 Plan Year) 

Feature	Benefit
Elimination Period	90 Days (cumulative within 730 days)
Monthly Benefit Amount	Base Plan 1: Employee-paid $2,000 Base Plan 2: Employer-paid $2,000 Additional employee-paid increments of $1,000 up to $9,000
Benefit Duration Options	3 years, 6 years or unlimited
Contract Basis	Indemnity
Covered Facilities	Nursing Home, Assisted Living, Hospice, Rehabilitation, Alzheimer's and Residential Care
Guarantee Issue	Employees up to $6,000 monthly benefit for 6 years
Pre-existing Conditions	No pre-existing condition exclusions will apply, but chronic illness* must occur on or after the coverage effective date.
Optional Benefits	5% simple inflation, uncapped Total home care benefit
Premium Waiver	Included in plan
Bed Reservation	90 days for stay in acute care facility 30 days for other temporary absence Total of 90 days per calendar year
International Benefit	Coverage at 75% of the home care benefit for care received outside of the U.S. or Canada.
Assisted Living	100% of monthly benefit
Professional Home Care	50% of monthly benefit
Issue Ages	18+ for employees and retirees 18 to 80 for family members
Limitations and Exclusions	War or act of war, whether declared or undeclared Chronic illness caused by intentionally self-inflicted injuries or attempted suicide, while sane. Chronic illness caused by the commission of a crime for which the insured has been convicted under law, or caused by the insured's attempt to commit a crime under law Chronic illness caused by alcoholism, alcohol abuse, drug addiction or drug abuse Any period of time while the insured is chronically ill and confined in a hospital, other than if the insured is confined to a long term care facility that is a distinctly separate part of a hospital - does not apply to bed reservation benefit Any period of time while the insured is chronically ill and outside of the U.S., its territories or possessions or Canada for 30 consecutive days or longer if home care benefits are not selected
Refund of Premium	Premium payments made for coverage beyond the termination date ( or date of death) will be refunded
Respite Care Benefit	21 days per calendar year Respite care benefits can be paid while a person is satisfying the elimination period - the days that a respite care benefit is paid apply towards the elimination period.
Additional Care Benefit	A separate pool of $5,000 to cover services such as equipment and caregiver training to assist the insured living at home or in other residential housing. Pool will not reduce the insured's lifetime maximum benefit and is payable during the elimination period.
Home Care by Relative	Available through Total Home Care provision.

 

"Chronic Illness" and "Chronically Ill" mean:

• Members are unable to perform, without Substantial Assistance from another individual, two or more Activities of Daily Living; or
• Members require Substantial Supervision by another individual to protect Members from threats to Member's health and safety due to Severe Cognitive Impairment.

Long Term Care Rates Per $1,000 of Benefit

2025-26 Plan Year (New rates/increase over 2024-25)

https://www.oregon.gov/oha/OEBB/Documents/LTC-Employee-Paid-Rates-2025-26.pdf

Garner