Annual Open Enrollment

Open Enrollment for 2024 is Wednesday, Oct. 25 - Wednesday, Nov. 15!

How Do I Complete Open Enrollment? 

• Check your WorkDay inbox for your "Benefit Change-Open Enrollment" task
• Open your Open Enrollment task and make the changes you desire, then click on the blue "Review and Submit" button at the bottom. This takes you to a page where you can review your selections. If everything is correct, scroll to the bottom of the page, check the small box beside "I Accept" and then click on blue "Submit" button. 
• If you are on the Multnomah County Opt Out plan, you must also submit the Affidavit to Opt Out of County Medical Coverage. Submitting an Opt-Out affidavit is required every year due to the Affordable Care Act (ACA) guidelines
• Want to know more about your benefits? View our Employee Benefits 101 video (does not include info on PERS or VOYA)
• Need help? Check out the Workday Open Enrollment step-by-step guide

What can I do during Open Enrollment?

Open Enrollment is the time to make benefit changes for next year and enroll in Flexible Spending Accounts. Verify your benefits for next year. Add, remove or update your dependents and life insurance beneficiaries. Change the amount of or apply for supplemental life or spouse/domestic partner life insurance!

1. Review your current benefits to ensure they are accurate!
2. Change your medical/dental plan.
   • Kaiser offers a closed, local network HMO plan
     • Primary Care Provider guides care, referrals required for most services
     • Lower co-pays and annual out-of-pocket maximums
     • Easier to budget your costs
   • Moda offers an open, national network PPO plan  
     • Referrals generally not required 
     • Freedom to choose from in or out-of-network providers (affects benefit levels)
     • Higher cost share for services and annual out-of-pocket maximums
   • Opting out of County medical insurance? An Opt-Out Affidavit is required each year.
3. Review your dependents.
   • Have you had family changes? Did you get married? Divorced? Need to add your child to Dental?
   • You must verify that only qualifying dependents are listed on your benefit plans: spouse, domestic partner, and children.
     • There are significant cost impacts to adding a domestic partner and/or their children to your benefits as they are non-IRS eligible dependents. Please review Domestic Partners & Your Benefits and contact us if you have questions. 
4. Enroll in a tax-saving 2024 flexible spending account. You must enroll at Open Enrollment each year to participate!
   • Medical (MERP)
   • Dependent care (DCAP)
   • Parking/transit (TRP).
5. You can apply for or increase your supplemental life insurance any time, including during Open Enrollment. Some employees may qualify for a guarantee issue opportunity during Open Enrollment.  

Benefit Changes for 2024

Detailed cost changes and updates about your benefits are available by selecting your bargaining unit’s Open Enrollment page from the menu on the right.

County benefits are bargained by your union. Need help finding your union? Ask your manager, HR, or email employee.benefits@multco.us.

2024 Kaiser Medical Plan Changes

Federal Regulatory Changes

• None

State Regulatory Changes

• Employees will get their first 3 visits each year for primary care and primary care related services at $5 cost share per visit on most plans. Here are some important details:
  • Plan cost share is $5 for covered services.
  • Includes any combination of in-person or virtual care.
  • Primary care related services include naturopathic care, and outpatient mental health and substance use disorder treatment.
  • This applies only when you get care from Kaiser Permanente facilities/providers or with other in-network providers. This does not apply when you get care from out-of-network providers.
  • Due to current plan design associated with mental health parity laws, this change does not apply to Moda plans.
• The cost share for diagnostic and supplemental breast examinations will be $0.
• Benefits for treatment of hearing loss will be revised:
  • Coverage includes assistive listening devices and the components required for a device to function properly; fitting, programming and reprogramming; and ear molds and replacement ear molds.
• The cost share for post-exposure prophylaxis (PEP) drugs will be $0.

2024 Kaiser Dental Plan Changes

• None

2024 Moda Medical Plan Changes

Federal Regulatory Changes

• None

State Regulatory Changes

• Insulin maximum cost share is increasing to $85/30 days or $255/90 days.

2024 Moda Delta Dental Plan Changes

• Intellectual and Developmental Disabilities: Extra services are covered for members with intellectual or developmental disabilities:
  •  Visits before the first treatment
  • 2 extra cleanings per year
  • Silver diamine fluoride for cavities
• Changes to how care is provided for patients with sensory sensitivities, behavioral challenges, etc.
• Restorative: Crowns and cast restorations covered once in a 7‐year period.
• Repair to crown, inlay and onlay: Repair made to a crown, inlay or onlay within 2 years is denied.
• Prosthodontic: Bridges and dentures covered once in a 7‐year period.
• Implants: Final crown, a full or partial denture, or a bridge over the implant covered once over the lifetime of the implant.
• Prosthodontic services: Re‐cement or re‐bond implant/abutment supported crown or fixed partial denture is limited to once in any 12‐month period.

2024 Willamette Dental Group Plan Changes

• None

2024 Flexible Spending Accounts: MERP/DCAP/TRP

You must enroll at Open Enrollment each year to participate!

• Medical Expense FSA (MERP) maximum: $3,050 annually for medical, dental, and vision expenses. Minimum is $240 annually.
  • MERP rollover limit from 2024 to 2025: $640.
• Dependent Care Expenses (DCAP) maximum: $5,000 per year. No annual minimum.
• Transportation Expenses (TRP) 
  • Carryover always allowed from year-to-year, no carryover limit
  • Maximum TRP Transit enrollment amount: $200 per month
  • Maximum TRP Parking enrollment amount: $300 per month
  • Minimum enrollment amount for transit and parking TRP accounts: $20 per month

2024 Life and Disability 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). Employees must have an already existing policy for this opportunity. 
  • Note: this is not applicable to spouse or domestic partner policies,
  • 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).
• Supplemental Life Insurance rates are not changing for 2024.
• Optional Short Term Disability rates decreased effective 9/1/23 and are not changing for 2024