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Active & Optional Rates

Monthly Active Group Insurance Rates 10/01/26 to 9/30/27

Medical, Dental, Vision, Basic Life, and Accidental Death and Dismemberment

 

Medical Insurance

Available Medical Plan Monthly Premium
Moda Medical Plan 1 $2,024.36
Moda Medical Plan 2 $1,877.89
Moda Medical Plan 3 $1,761.81
Moda Medical Plan 4 $1,663.57
Moda Medical Plan 5 $1,536.70
Moda Medical Plan 6 (HSA eligible) $1,567.51
Moda Medical Plan 7 (HSA eligible) $1,462.94
Kaiser Medical Plan 1 $1,796.37
Kaiser Medical Plan 2A $1,577.79
Kaiser Medical Plan 2B $1,544.71
Kaiser Med Plan 3 (HSA eligible) $1,198.09

Dental Insurance

Available Dental Plans Monthly Premium
Moda Delta Dental Plan 1 $173.86
Moda Delta Dental Plan 5 $153.56
Moda Delta Dental Plan 6 (no ortho) $110.82
Moda Exclusive Delta PPO Incentive $150.70
Moda Exclusive Delta PPO Dental $101.56
Kaiser Dental $186.42
Willamette Dental $127.79

Vision Insurance

Available Vision Plans Monthly Premium
Moda Vision Opal $49.80
Moda Vision Pearl $40.71
Moda Vision Quartz $28.74
VSP Choice Plus Plan $33.97
VSP Choice Plan $16.51
Kaiser Vision (only w/ Kaiser Medical) $20.19

Basic Life/Accidental Death & Dismemberment (AD&D) Coverage

Plans Monthly Premium
Classified Basic Life Ins, Plan 3 ($10,000) $0.88
Classified Basic AD&D, Plan 3 ($10,000) $0.10
Licensed Basic Life Ins, Plan 8 ($35,000) $3.08
Licensed Basic AD&D, Plan 8 ($35,000) $0.35
Confidential/Pro-Tech Basic Life Ins, Plan 11 ($100,000) $8.80
Confidential/Pro-Tech AD&D, Plan 11 ($100,000) $1.00
Administrator Basic Life Ins, Plan 11 ($100,000) $8.80
Administrator AD&D, Plan 11 ($100,000) $1.00

Cost of Basic Life/AD&D is deducted from the District contribution.

Monthly District Contribution

Employee Classification & Percent of Full Time Employment (FTE) District Monthly Contribution
Full-time Classified, Confidential, or Pro-tech (.75-1.0 FTE) $1,605.00
Part-time Classified, Confidential, or Pro-tech (.5-.749 FTE) $1,123.50
Full-time Licensed, and Administrator $1,615.00
Part-time Licensed and Administrator Prorated based on % FTE

Example: Lic/Admin Employee works .50 FTE

$807.50

Example: Lic/Admin Employee works .25 FTE

 $403.75

Monthly District Contribution toward Health Savings Account (HSA) - Contributions to HSA apply to Moda Plan 6, 7 and Kaiser 3 ONLY. Separate enrollment required, MUST complete HSA form.

 $125.00
  • Classified, Confidential, or Pro-tech Full-Time = 75%-100% FTE.
  • Classified, Confidential, or Pro-tech Part-Time = 50%-74.9% FTE. Less than 50% FTE are not benefit-eligible.

How much will you owe? (monthly)

Calculate your monthly insurance cost with following this formula:

Medical Premium
+ Dental Premium
+ Vision Premium
+ Basic Life/AD&D
- District Contribution
+ Add LTD (Licensed Only)

= Total employee monthly cost 

Active Group Insurance Notes

  • District contribution only applies toward medical, dental, vision and basic life/AD&D. Any remaining contribution may NOT be applied toward additional benefits.
  • All optional coverages cost extra.
  • Long Term Disability (LTD) is mandatory for Licensed group.  
  • All monthly premium rates are composite, meaning that the monthly premium remains the same whether you are covering one person, or more than one person on your plan.

2025-26 Monthly Optional Rates

PLEASE NOTE: District contribution does not pay for any optional insurances. All optional insurances are employee paid.

Optional Short-Term & Long-Term Disability Insurance

Plans Monthly Premium
Classified Short Term Disability (STD) - Plan 11 - 66.66% your average month wage x 0.00076
Classified Long Term Disability (LTD) - Plan 6 - 66.66% your average month wage x 0.00415
Licensed Short Term Disability (STD) - Plan 11 - 66.66% your average month wage x 0.00076
Licensed Long Term Disability (LTD) - Plan 17 - 60%  MANDATORY - Automatically enrolled your average month wage x 0.00265
Confidential/Pro-Tech Short Term Disability (STD) - Plan 11 - 66.66% your average month wage x 0.00076
Confidential/Pro-Tech Long Term Disability (LTD) - Plan 6 - 66.66% your average month wage x 0.00415
Administrator Short Term Disability (STD) - Plan 11 - 66.66% your average month wage x 0.00076
Administrator Long Term Disability (LTD) - Plan 6 - 66.66% your average month wage x 0.00415
  • All Short-Term Disability plans have a seven (7) day benefit waiting period.
  • All Long-Term Disability plans have a 90-day benefit waiting period.

Optional Life Insurance Plans

Optional Employee Life Plans & Rates

Employee age as of October 1st Tobacco usage last 12 months?
No		 Tobacco Usage Last 12 Months?
Yes
Under 25 $0.15 $0.23
25-29 $0.17 $0.27
30-34 $0.19 $0.36
35-39 $0.27 $0.41
40-44 $0.38 $0.55
45-49 $0.58 $0.81
50-54 $0.88 $1.24
55-59 $1.65 $2.27
60-64 $2.52 $3.46
65-69 $4.86 $6.51
70-74 $5.66 $9.27
75+ $7.88 $10.10
  • $10,000 - $500,000 Max Benefit
  • Premium Monthly Rate Per Each $10,000 of Benefit

Example: $50,000 plan for 40-year-old employee who does not use tobacco: 5 x $.38 = $1.90 per month

Optional Spouse Life Plan

Spouse age as of October 1st Tobacco usage last 12 months?
No		 Tobacco usage last 12 months?
Yes
Under 25 $0.32 $0.46
25-29 $0.38 $0.54
30-34 $0.51 $0.73
35-39 $0.58 $0.83
40-44 $0.68 $1.01
45-49 $1.02 $1.55
50-54 $1.56 $2.27
55-59 $3.89 $4.00
60-64 $4.37 $5.98
65-69 $8.35 $11.19
70-74 $10.00 $14.01
75+ $14.01 $29.61
  • $10,000 - $500,000 Max Benefit
  • Premium Monthly Rate Per Each $10,000 of Benefit

Example: $70,000 plan for 30-year-old employee who does use tobacco: 7 x $.86 = $6.02 per month

Optional Child Life/Accidental Death & Dismemberment (AD&D)

  • $2,000 - $10,000 Max Benefit
  • Rate per $2000 of benefit (Life) = $0.10
  • Rate per $2000 of benefit (AD&D) = $0.04

Optional Employee and Spouse Accidental Death & Dismemberment (AD&D)

  • $10,000 - $500,000 Max Benefit
  • Rate per $10,000 of Benefit = $0.15