Annual Open Enrollment

Open Enrollment for 2023 has ended.

Starts on: Wednesday, October 26th

Ends: Wednesday, November 16th

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 or update your life insurance beneficiaries. Is everything correct? If not, let the Benefits Office know ASAP!

Review your current benefits to ensure they are accurate!
Change your medical/dental plan.
- Kaiser offers a closed, local network HMO plan
  - Primary Care Provider guides care, referrals required for most services
  - Lower copays 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.
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.
Enroll in a tax-saving 2023 flexible spending account. You must enroll at Open Enrollment each year to participate!
- Medical (MERP)
- Dependent care (DCAP)
- Parking/transit (TRP).
Enroll or increase your supplemental life insurance.

See detailed cost changes and updates about your benefits by selecting your bargaining unit’s Open Enrollment 2023 page from the menu on the right.

County benefits are bargained by your union.
For 2023, the following unions will see bargained changes, summarized on their Open Enrollment pages:
- IUOE (Engineers) - changes to the medical and dental plans they can elect and medical/dental plan costs.
- DSA (Deputy Sheriffs) - increase to basic life insurance benefit and maximum long term disability benefit.

Need help choosing your union? Ask your Manager, HR, or email employee.benefits@multco.us.

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.

The cost of Kaiser medical plans are increasing by 3.1% for most members, based on bargaining unit and plan.
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.

The cost of the PPO medical plans are increasing 16% for most members, based on bargaining unit and 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.
PPO Health Plan Change from Cigna to Moda FAQ - learn more about the transition from Cigna to Moda

Kaiser and Willamette Dental will have no cost changes for most members.
Delta Dental costs are increasing 1.8% for most members, based on bargaining unit.
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.
IUOE bargained changes – new Kaiser and Delta dental plans and costs. No change to Willamette Dental plan, but costs have changed.

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.
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