Plan Comparison Charts for 2023
2023 Medical/Dental Costs
These are the amounts taken from your paycheck every pay period.
Premium Cost Changes
- Kaiser 10/20 Medical: +3.1% increase from last year's costs
- Kaiser Maintenance Medical: +3.1% increase from last year's costs
- Kaiser Dental 15: 0% (same cost as last year)
- Moda PPO 400 Medical (replacing Cigna): +16% increase from last year's costs
- Moda Major Medical (replacing Cigna): +16% increase from last year's costs
- Delta Dental 50: +1.8% increase from last year's costs
- Willamette Dental: 0% (same cost as last year)
Where to Start
- Check your current benefits in Workday.
- Confirm your dependents are correct.
- Submit changes in Workday beginning October 26th and no later than November 16th.
- Stuck in Workday? Check out the Workday Open Enrollment step-by-step guide (1.06 MB)
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
- The cost of Kaiser medical plans are increasing by 3.1%.
- 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.
- The cost of the PPO medical plans are increasing 16%.
- 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 and Willamette Dental will have no cost changes for most members.
Delta Dental costs are increasing 1.8%.
Kaiser Dental plan change: the additional $25 cost share for emergent or urgent dental care will no longer be assessed.
Delta Dental plan changes:
- 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).
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 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..
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