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Active & Optional Rates

Monthly Active Group Insurance Rates 10/01/25 to 9/30/26

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

 

Medical Insurance

Available Medical Plan Monthly Premium
Moda Medical Plan 1 $1,955.33
Moda Medical Plan 2 $1,813.86
Moda Medical Plan 3 $1,701.74
Moda Medical Plan 4 $1,606.85
Moda Medical Plan 5 $1,484.31
Moda Medical Plan 6 (HSA eligible) $1,514.06
Moda Medical Plan 7 (HSA eligible) $1,413.06
Kaiser Medical Plan 1 $1,737.27
Kaiser Medical Plan 2A $1,525.88
Kaiser Medical Plan 2B $1,493.89
Kaiser Med Plan 3 (HSA eligible) $1,158.67

Dental Insurance

Available Dental Plans Monthly Premium
Moda Delta Dental Plan 1 $168.93
Moda Delta Dental Plan 5 $149.20
Moda Delta Dental Plan 6 (no ortho) $107.68
Moda Exclusive Delta PPO Incentive $146.43
Moda Exclusive Delta PPO Dental $98.69
Kaiser Dental $180.29
Willamette Dental $123.59

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) $1,575.00
Part-time Classified, Confidential, or Pro-tech (.5-.749 FTE) $1,102.50
Full-time Licensed, Administrator $1,560.00
Part-time Licensed, Administrator Prorated based on % FTE

Example: Licensed Employee works .50 FTE

$780.00

Example: Licensed Employee works .25 FTE

 $390.00

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.

 $100.00
  • 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 $0.38 $0.54
25-29 $0.45 $0.64
30-34 $0.60 $0.86
35-39 $0.68 $0.98
40-44 $0.80 $1.19
45-49 $1.20 $1.82
50-54 $1.84 $2.67
55-59 $3.40 $4.70
60-64 $5.14 $7.04
65-69 $9.82 $13.17
70-74 $11.77 $16.48
75+ $16.48 $34.83
  • $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