Plan Comparison Charts for 2023

2023 Medical Plan Comparison - All Groups (1.04 MB)

2023 Dental Plan Comparison - All Groups (94.01 KB)

2023 Medical/Dental Costs

These are the amounts taken from your paycheck every pay period.

2023 IUOE Medical and Dental Plan Costs (338.18 KB)

Results of Bargained Changes

On January 1, 2023 your medical and dental plans are changing. You can make changes during Open Enrollment, but if you don’t make any changes, you will automatically move to the new plans.

  • Enrolled in Kaiser Standard HMO Medical? Your new plan will be Kaiser 10/20.

  • Enrolled in Cigna Performance or Preferred? Your new plan will be Moda PPO 400.

  • Enrolled in Kaiser Dental? Your new plan will be Kaiser 15 Dental.

  • Enrolled in Delta Dental? Your new plan will be Delta 50 Dental.

  • Willamette Dental plan remains the same.

  • Full-time employees:

    • Your HMO medical contributions change from 5% to 7.5% for the Kaiser 10/20 medical plan. 

    • Your PPO medical contributions change from 10% for Cigna Performance and 5% for Cigna Preferred, to 7.5% for the new Moda PPO 400 medical plan.

    • Your dental contributions change from 5% to 7% for all dental plans.

Premium Cost Changes

Due to the newly bargained plans, changes to the percentage of rates employees pay, and annual vendor rate changes, we advise you to review your plan costs for 2023 as there are significant changes. 

  • Kaiser 10/20 Medical: 
    • Full-time employee rate increases approximately 2.1% from Kaiser Standard HMO
    • Part-time employee rate increases approximately 19.7% from Kaiser Standard HMO
  • Kaiser Maintenance Medical:
    • Part-time employee rate increases approximately 3% from last year
  • Kaiser Dental 15: 
    • Full-time employee rate increases approximately 27.3% from previous Kaiser dental plan
    • Part-time employee rate decreases approximately 1.6% from previous Kaiser dental plan
  • Moda PPO 400 Medical (replacing Cigna): 
    • Full-time employee rate increases approximately 39.3% from Preferred
    • Part-time employees increases approximately 22.8% from Preferred
    • Full-time employee rate decreases approximately -38.2% from Performance
    • Part-time employee rate decreases approximately -10.4% from Performance
  • Moda Major Medical (replacing Cigna): 0% (no change in employee cost)
  • Delta Dental 50: 
    • Full-time employee rate increases approximately 33.5% from current Delta Dental
    • Part-time employees rate increases approximately 6.8% from current Delta Dental
  • Willamette Dental:
    • Full-time employees increases approximately 28.6% from last year
    • Part-time employees have no change from last year

Where to Start

Kaiser and Moda Medical - Federal Regulatory Changes

  • Charges for equipment and supplies for breastfeeding, including milk storage supplies and equipment to support breastfeeding, are now covered for those with breastfeeding difficulties.
  • Follow-up colonoscopies are covered at no cost share following a positive result on any USPSTF preventive colorectal screening.

Kaiser Medical Plan Changes

  • Behavioral counseling is now covered as preventive care for adults with cardiovascular disease risk factors and type 2 diabetes. 
  • Naturopathic care is now covered for out-of-area dependents. 
  • New KP @home program provides hospital-level acute care to members with certain diagnoses at home under the direction of KP physicians.  
  • Omada program discontinued for 2023. 
  • Venipuncture services are covered for preventive lab screenings.
  • Male condoms are now covered under preventive care.

Moda is Replacing Cigna as PPO Plan

  • Prior authorizations approved by Cigna will be honored with Moda.
  • Programs tied to Cigna, including Omada, are no longer available. 
  • Labor and delivery services at out-of-network facilities are covered as in-network if services are due to state or federal declaration of a public health emergency and providers are not allowed to bill the difference between billed and allowed charges.
  • WellDyne will continue to provide prescription coverage.
  • VSP Vision will continue to provide vision coverage for Moda PPO 400 members. Moda Major Medical plans do not include routine vision coverage (no change).
  • VSP Vision (available with Moda PPO 400 Plan Only) now covers frames at Walmart up to $200. 
  • Provider disruption is inevitable when changing vendors, but most providers who were in-network in 2021 will be in-network with Moda for 2023.
  • PPO Health Plan Change from Cigna to Moda FAQ - learn more about the transition from Cigna to Moda

Dental Plan Changes

  • Kaiser Dental plan change: the additional $25 cost share for emergent or urgent dental care will no longer be assessed.

  • Delta Dental plan changes:

    • Health Through Oral Wellness – members who qualify may receive additional cleanings, sealant and fluoride, drugs for home use, oral hygiene instruction, nutritional counseling, and tobacco cessation counseling. This program enhances overall health through collaboration with your dentist. 

    • Athletic Mouth Guards – Athletic mouth guards are now covered once per year for members 15 and under and every 2 years age 16 and over. Over-the-counter athletic mouth guards are excluded. 

Option to Get More Supplemental Life Insurance

  • A special enrollment opportunity is available to employees each year to increase self-paid Supplemental Life Insurance up to $30,000 (minimum of $10,000 increments) more than what you are enrolled in now, up to $200,000 total for yourself guaranteed (no medical questionnaire required).

    • Note: this is not applicable to spouse or domestic partner policies, or for employees who do not have a self-paid policy, prior to 1/1/2023.

    • You can apply for Supplemental Life insurance at any time throughout the year up to $500,000. However, any new enrollments or increases more than those described above require an Evidence of Insurability (medical questionnaire - subject to medical underwriting review by the Standard).

  • Optional Short-Term Disability and Supplemental Life Insurance rates are not changing for 2023.

Flexible Spending Accounts: MERP/DCAP/TRP

You must enroll at Open Enrollment each year to participate.

  • Medical Expense FSA (MERP) maximum increases to $3,050 annually for medical, dental, and vision expenses. Minimum is $240 annually.
    • For 2023, MERP rollover limit is increased to $610
  • Dependent Care Expenses (DCAP) maximum remains $5,000 per year - no annual minimum.
    • For 2023, the maximum child dependent age will again be 12, no carryover (return to pre-covid provisions).
  • Transportation Expenses (TRP) 
    • Carryover always allowed from year-to-year, no carryover limit
    • TRP Transit maximum enrollment amount increases to $200 per month
    • TRP Parking maximum enrollment amount increases to $300 per month
    • Minimum contribution for TRP accounts remains $20 per month