Medical, Dental & Vision

Lewis & Clark offers two very different medical insurance plan options so employees can choose the plan that best meets their needs.The PPO Plan is a self-insured plan offered through Pioneer Educators Health Trust (PEHT), a benefits consortium consisting of Lewis & Clark and six other Oregon colleges and universities. Kaiser Permanente offers a fully-insured HMO Plan. The plan benefits, including co-pays, networks, out-of-pocket maximums, and deductibles are different between the plans but both include prescription drug benefits and basic vision coverage. There are no pre-existing condition exclusions under our Plans.  We also offer competitive Medicare supplemental plans to our retirees with 5+ years of service.

• Medical Plan Comparison
• Pioneer Medical - Regence BlueCross/BlueShield (PPO)
• Kaiser Permanente - Medical (HMO)
• Retiree Medicare Supplemental Insurance Options

Dental Insurance

We realize how important dental health is to our employees’ overall health. As part of our comprehensive benefit program, we provide three full dental insurance options for you and your family members, including a fee for service (FFS), and two health maintenance organization options (HMO). All offer large networks of participating dentists, modest out-of-pocket costs, claims processing through participating dentists, and direct payments to the dentists. The plan benefits do vary but all plans include orthodontia available to both adults and children.

• Dental Plan Comparison
• Pioneer Dental - Regence BlueCross/BlueShield (FFS)
• Kaiser Permanente - Dental (HMO)
• Willamette Dental (HMO)

Vision Insurance

Vision and eye health are key components of overall health and quality of life. We support your efforts to maintain good vision health. Your vision care is covered under your medical plan and will pay for one eye examination every 12 months after a copayment. Every 24 months, your plan provides an allowance for eyeglass lenses and frames, or contact lenses. For injury or eye disease, such as glaucoma, cataracts and pink eye, see your medical doctor.

• Vision Summary for Pioneer Medical - Regence BlueCross/BlueShield
• Vision Essentials by Kaiser Permanente  

Premium Rates

Lewis & Clark pays a large percentage of the monthly medical and dental premiums costs for all enrollees.   This is addition to the full premiums for the group Life and AD&D, Long-term Disability, Employee Assistance Plan (EASE), and 10% towards each eligible employees retirement plan (TIAA-CREF). Approximately 30% of the total salary pool is budgeted for employee benefits. For example, for every $1,000 salary earned, the College contributes approximately $300 towards benefits.

Employees with domestic partners should carefully read the information available through Human Resources regarding the tax implications for premiums the College pays for domestic partner coverage.

• Medical & Dental Premium Rates 2009-2010