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Active & Optional Rates 2024-25

Monthly Active Group Insurance Rates 10/01/24 to 9/30/25

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

Information effective as of 07/12/24.

Medical Insurance

Available Medical Plan Monthly Premium
Moda Medical Plan 1 $1,888.12
Moda Medical Plan 2 $1,751.51
Moda Medical Plan 3 $1,643.24
Moda Medical Plan 4 $1,551.61
Moda Medical Plan 5 $1,433.28
Moda Medical Plan 6 (HSA eligible) $1,462.01
Moda Medical Plan 7 (HSA eligible) $1,364.49
Kaiser Medical Plan 1 $1,714.80
Kaiser Medical Plan 2A $1,424.44
Kaiser Medical Plan 2B $1,383.06
Kaiser Med Plan 3 (HSA eligible) $1,055.35

Dental Insurance

Available Dental Plans Monthly Premium
Moda Delta Dental Plan 1 $164.26
Moda Delta Dental Plan 5 $145.08
Moda Delta Dental Plan 6 (no ortho) $104.70
Moda Exclusive Delta PPO Incentive $142.39
Moda Exclusive Delta PPO Dental $95.96
Kaiser Dental $175.02
Willamette Dental $120.55

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) $1,550.00
Part-time Classified, Confidential, or Pro-tech (.5-.749 FTE) $1,085.00
Full-time Licensed, Administrator $1,500.00
Part-time Licensed, Administrator Prorated based on % FTE

Example: Licensed Employee works .50 FTE

$750.00

Example: Licensed Employee works .25 FTE

 $375.00

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.

2024-25 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 and Rates

Employee Age as of October 1st Tabacco Usage Last 12 Months?
No		 Tabacco 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 Tabacco Usage Last 12 Months?
No		 Tabacco 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