Exciting New Benefits
Your health. Our promise.
- Introducing a Suite of Voluntary Supplemental Health Benefits! Employees can choose from plans that offer cash payouts for covered events like illness, accidents, hospital stays, disabilities, and death—paid directly to them or their chosen beneficiary. These low-cost, employee-paid coverages require no medical underwriting and are available to employees, spouses/domestic partners, and dependent children.
- Hospital Indemnity: Provides cash benefits for hospital admissions due to accidents, illness, pregnancy, mental health, or substance abuse.
- Critical Illness: Pays a lump sum cash benefit upon diagnosis of serious conditions like cancer, heart attack, or stroke.
- Accident Coverage: Offers cash benefits for injuries such as fractures, ER visits, x-rays, surgeries, and more.
- We heard you! Protect your furry family members from the unexpected with voluntary pet insurance. Enroll today and have peace of mind!
- Retirement Savings Enhancements including 401(k) Roth option, allowing employees to save with after-tax dollars for tax-free withdrawals in retirement. Under the SECURE 2.0 Act, catch-up contributions for employees age 50+ earning over $145,000 annually must now be made to a Roth account, starting in 2026.
- HSA Investment Update! You can now start investing your Health Spending Account dollars sooner—once your balance reaches $1,000, down from the previous $2,000 threshold. This means more time for your money to grow tax-free!
What’s Adjusting
-
New & Improved Short-Term Disability (STD) Benefit — Now Voluntary with Enhanced Coverage!Employees can elect STD coverage that pays 60% of weekly gross pay up to $4,000/week. This benefit is reduced by other sources like Paid Leave Oregon, PTO, etc.
- Important: Current STD coverage will NOT roll over to 2026.
- If you want STD coverage in 2026, you must elect it during Open Enrollment to receive the greatest benefit. Premiums are paid by the employee.
- Current employees enrolling during 2026 Open Enrollment will have a 14 day wait for the benefit in the event of an accident or illness. Current employees that enroll at a later date will have a 14-day wait for the benefit in the event of an accident and a 60-day wait for the benefit in the event of an illness, for the first 12 months they are covered.
- This benefit will be reduced by any Paid Leave Oregon payments or other benefits such as PTO for the same incident/leave.
- Your per paycheck premium may vary slightly from month to month for employees that earn variable shift based compensation (shift differential).
-
Medical, Dental & Vision Benefits Updates:
- Prime Plan (HDP): Premiums for this plan will increase.
- Health Savings Account (HSA): Employer contribution will be 50% of Tier 1 deductible helping to offset your out-of-pockets costs and will be reflected on the first paycheck in January and posted to your active Optum account by January 9, 2026. For benefit start dates beyond January 1st the employer contribution will be prorated.
- Choice Plan (MHP): Updates to deductibles and out-of-pocket maximums for Tiers 2 & 3.
- Dental & Vision: Premiums will slightly increase.
- PTO Cashout: Increased from 80% to 90%, the IRS maximum allowed amount.
- Employee Assistance Program (EAP) with Modern Health: Coaching visits reduced from 8 to 6; therapy visits remain at 8 per calendar year.
What’s Continuing
- Provider Group and Facilities Tier List remains unchanged for all tiers.
- Employer-paid Dependent Care FSA (DCFSA) reimbursement up to $2,500/year.
- Two dental plans, including a buy-up option with $1,500 orthodontia coverage.
- Two vision plans with generous coverage for frames, lenses, and contacts.
- Domestic partner coverage across all benefit offerings.
- Massage therapy benefits included in each medical plan.
- Meru Health – Online mental healthcare program for Moda members.
- 401(k) employer match and experience contributions.
- Education Assistance & Career Development programs through Edcor.
- Access to 100+ employee discounts – Check out the perks here