REI’s subsidy makes paying for your benefits affordable and easy. Make selections below to find 2024 benefits plan options and costs. Learn about your 2023 benefits plan options and costs here.
Benefits Plan Information and Costs
Premiums
Medical – Hourly
| Frequency of Payment | REI Saver Medical Plan | REI Choice Medical Plan | Kaiser Medical Plan Washington | Kaiser Medical Plan California | |
|---|---|---|---|---|---|
| You Only | You Pay Bi-Weekly | $29.13 | $60.32 | $92.09 | $92.09 |
| You + Spouse/Life Partner | You Pay Bi-Weekly | $115.68 | $187.53 | $250.44 | $250.44 |
| You + Children | You Pay Bi-Weekly | $85.02 | $148.32 | $208.43 | $208.43 |
| You + Family | You Pay Bi-Weekly | $171.57 | $275.54 | $366.78 | $366.78 |
Dental
| Frequency of Payment | Core Dental Plan (Delta Dental Preferred Provider) | Core Dental & Orthodontia Plan | |
|---|---|---|---|
| You Only | You Pay Bi-Weekly | $6.44 | $10.57 |
| You + Spouse/Life Partner | You Pay Bi-Weekly | $17.47 | $26.56 |
| You + Children | You Pay Bi-Weekly | $13.80 | $22.06 |
| You + Family | You Pay Bi-Weekly | $24.84 | $38.05 |
Vision
| Frequency of Payment | VSP | |
|---|---|---|
| You Only | You Pay Bi-Weekly | $6.24 |
| You + Spouse/Life Partner | You Pay Bi-Weekly | $13.74 |
| You + Children | You Pay Bi-Weekly | $12.49 |
| You + Family | You Pay Bi-Weekly | $19.99 |
Spouse/Life Partner Medical Plan Surcharge
If your spouse or life partner is offered medical coverage through his or her employer but you choose to cover him or her exclusively in an REI Plan, you will pay an additional amount (approximately $100 per month). If your spouse/life partner is an REI employee, you do not have to pay this surcharge if you enroll him or her in an REI Plan.
Medical Costs
| REI Saver Medical Plan (In‑Network) | REI Saver Medical Plan (Out‑of‑Network) | REI Choice Medical Plan (In‑Network) | REI Choice Medical Plan (Out‑of‑Network) | Kaiser Medical Plan Washington (In‑Network Only) 1 | Kaiser Medical Plan California (In‑Network Only) 1 | |
|---|---|---|---|---|---|---|
| Individual Deductible | $1,800 (includes prescription drug costs) | $5,400 (includes prescription drug costs) | $500 (separate prescription drug annual deductible applies) | $1,500 (separate prescription drug annual deductible applies) | $350 | $350 (primarily for hospitalization services) |
| Family Deductible | $3,600 (includes prescription drug costs) 2 | $10,800 (includes prescription drug costs) 2 | $1,000 (separate prescription drug annual deductible applies) | $3,000 (separate prescription drug annual deductible applies) | $700 | $700 (primarily for hospitalization services) |
| Individual HSA contribution from REI | $500 | $500 | N/A | N/A | N/A | N/A |
| Family HSA contribution from REI | $1,000 | $1,000 | N/A | N/A | N/A | N/A |
| Preventive care visits (well-child care, routine physical exams, screening tests) 3 | $0 (no coinsurance or deductible) | Not covered | $0 (no coinsurance or deductible) | Not covered | $0 (no copay, coinsurance or deductible) | $0 (no copay, coinsurance or deductible) |
| Physician office visits | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 50% of R&C after deductible 4 | $15 copay per PCP visit 5 | $20 copay per PCP visit; $35 copay per specialist visit 5 |
| Labs and x-rays | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 20%; deductible does not apply |
| Emergency room emergency visits | 20% after deductible | 20% after deductible | 20% after deductible | 20% after deductible | $150 copay, waived if admitted | $150 copay |
| Emergency room non-emergency visits | 50% after deductible | 50% of R&C after deductible 4 | 50% after deductible | 50% after deductible | $150 copay, waived if admitted | $150 copay |
| Hospital inpatient services | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 20% after deductible |
| Inpatient behavioral health (chemical dependency and mental health) | 10% after deductible | 50% of R&C after deductible 4 | 10% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 20% after deductible |
| Outpatient behavioral health (chemical dependency and mental health) | 10% after deductible | 50% of R&C after deductible 4 | 10% after deductible | 50% of R&C after deductible 4 | $15 copay per visit | $20 per visit (individual therapy); $10 per visit (group therapy) |
| Alternative care (acupuncture, chiropractic, massage therapy; must be medically necessary; combined limit of 60 visits per plan year) | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 50% of R&C after deductible 4 | $30 copay per visit 6 | $30 copay per visit |
| Short-term rehabilitation (occupational, physical and speech therapy; must be medically necessary; combined limit of 60 visits per plan year) | 10% after deductible 7 | 50% of R&C after deductible 7 | 10% after deductible 7 | 50% of R&C after deductible 7 | Inpatient: 20% after deductible Outpatient: $15 copay primary care provider services; $30 copay specialty care provider services | Inpatient: $250 copay per admission Outpatient: $15 copay (maximum of 2 months per condition when authorized by PCP) |
| Vision exam (every 12 months) | 20% after deductible | 50% of R&C after deductible 4 | 20% after deductible | 50% of R&C after deductible 4 | $30 copay | $30 copay per visit |
| Individual out-of-pocket maximum | $3,600 (includes prescription drug costs) | No maximum | $3,000 (does not include out-of-pocket prescription drug costs) | No maximum | $2,000 (includes prescription drug costs) | $2,000 (includes prescription drug costs) |
| Family out-of-pocket maximum | $7,200 (includes prescription drug costs) 8 | No maximum | $6,000 (does not include out-of-pocket prescription drug costs) | No maximum | $4,000 (includes prescription drug costs) | $4,000 (includes prescription drug costs) |
1 You must see an in-network provider to get any benefits, except for emergency visits. For emergency room visits, your out-of-network benefit is the same as your in-network coverage. There are no individual or family annual out-of-pocket maximums associated with out-of-network care.
2 The plan does not start paying until the $3,600 family deductible is met, even if one family member meets the $1,800 individual deductible.
3 Preventive care includes a variety of routine services. See the plan document for limitations and details.
4 A reasonable and customary (R&C) charge is the average charge for a procedure in a particular geographic area. If you use out-of-network providers and they charge more than the R&C, you are responsible for your portion of the coinsurance plus any amount above the R&C.
5 Your primary care provider, or PCP, is the doctor or allied health professional who provides most of your medical care and coordinates any other care you may need.
6 Certain limitations apply.
7 Therapy Services – Habilitative physical, occupational and speech therapy for autism and developmental delay will be covered without any visit limits.
8 The plan does not start paying 100% of in-network services until the $7,200 family out-of-pocket maximum is met, even if one family member meets the $3,600 individual out-of-pocket maximum.
Prescription Drugs Costs
| REI Saver Medical Plan (In‑Network) | REI Choice Medical Plan (In‑Network) | Kaiser Medical Plan Washington (In-Network Only) 1 | Kaiser Medical Plan California (In-Network Only)1 | |
|---|---|---|---|---|
| Individual deductible | annual combined medical and prescription drug deductible 2 | $50 per person (plan shares cost once you meet this separate prescription drug deductible) 3 | None | None |
| Family deductible | annual combined medical and prescription drug deductible 2 | $50 per person (plan shares cost once you meet this separate prescription drug deductible) 3 | None | None |
| Retail generic 4 | $8 copay after deductible | $8 copay after deductible | $10 copay | $10 copay |
| Retail preferred brand | 25% ($15 minimum/$60 maximum) after deductible | 25% ($15 minimum/$60 maximum) after deductible | $20 copay | $30 copay |
| Retail non-preferred brand | 40% ($15 minimum/$75 maximum) after deductible | 40% ($15 minimum/$75 maximum) after deductible | N/A | N/A |
| Mail-order generic 5 | $20 copay after deductible | $20 copay after deductible | $20 copay 6 | $20 copay 6 |
| Mail-order preferred brand | 25% ($30 minimum/$120 maximum) after deductible | 25% ($30 minimum/$120 maximum) after deductible | $40 copay 6 | $60 copay 6 |
| Mail-order non-preferred brand | 40% ($30 minimum/$150 maximum) after deductible | 40% ($30 minimum/$150 maximum) after deductible | N/A | N/A |
| Individual out-of-pocket maximum | annual combined medical and prescription drug out-of-pocket maximum applies 7 | $2,000 (plan pays 100% after you meet this individual out-of-pocket maximum, which is separate from your annual medical out-of-pocket maximum) | Included in annual medical out-of-pocket maximum | Included in annual medical out-of-pocket maximum |
| Family out-of-pocket maximum | annual combined medical and prescription drug out-of-pocket maximum applies 7 | $6,000 (plan pays 100% after you meet this annual family out-of-pocket maximum, which is separate from your annual medical out-of-pocket maximum) | Included in annual medical out-of-pocket maximum | Included in annual medical out-of-pocket maximum |
1 You must see an in-network provider to get any benefits, except for emergency visits. For emergency room visits, your out-of-network benefit is the same as your in-network coverage. There are no individual or family annual out-of-pocket maximums associated with out-of-network care.
2 If you’re covering yourself and other family members, the plan does not start paying benefits until the $3,600 family deductible is met, even if one family member meets the $1,800 individual deductible.
3 Certain preventive drugs are not subject to the deductible and/or coinsurance/copays. This only applies to the REI Saver and Choice Medical Plans. See Medical for more information.
4 Up to a 30-day supply
5 31- to 90-day supply
6 90-day supply
7 The plan does not start paying 100% of in-network services until the $7,200 family out-of-pocket maximum is met, even if one family member meets the $3,600 individual out-of-pocket maximum.
Benefits Plan Information and Costs
The REI Access Plan, administered by Aetna, provides comprehensive employee-only medical coverage. This plan allows you to pay lower payroll deductions to have medical coverage and requires you to meet a higher deductible at the time you use health services. Coverage includes:
- Preventive care and preventive drugs at no-cost when provided by an in-network doctor or pharmacy
- Coverage for doctor and specialist visits
- Mental and behavioral health benefits
- Coverage for hospitalization and surgery
- Access to telehealth visits through Teladoc
- Access to a Health Savings Account (HSA)
Here’s what you and REI pay each paycheck for coverage.
Learn about the 2023 benefits plan costs here.
| You Pay | REI Pays | |
|---|---|---|
| You Only | $29.13 | $263.49 |
Medical Costs
| In-Network | Out-of-Network | |
|---|---|---|
| Individual Deductible | $1,800 (includes prescription drug costs) | $5,400 (includes prescription drug costs) |
| Preventive care visits (routine physical exams, screening tests)1 | $0 (no coinsurance or deductible) | Not covered |
| Physician office visits | 20% after deductible | 50% of R&C after deductible2 |
| Labs and x-rays | 20% after deductible | 50% of R&C after deductible2 |
| Emergency room emergency visits | 20% after deductible | 20% after deductible |
| Emergency room non-emergency visits | 50% after deductible | 50% of R&C after deductible2 |
| Hospital inpatient services | 20% after deductible | 50% of R&C after deductible2 |
| Inpatient behavioral health (chemical dependency and mental health) | 10% after deductible | 50% of R&C after deductible2 |
| Outpatient behavioral health (chemical dependency and mental health) | 10% after deductible | 50% of R&C after deductible2 |
| Alternative care (acupuncture, chiropractic, massage therapy; must be medically necessary; combined limit of 60 visits per plan year) | 20% after deductible | 50% of R&C after deductible2 |
| Short-term rehabilitation (occupational, physical and speech therapy; must be medically necessary; combined limit of 60 visits per plan year) | 10% after deductible3 | 50% of R&C after deductible3 |
| Vision exam (every 12 months) | 20% after deductible | 50% of R&C after deductible2 |
| Individual out-of-pocket maximum | $3,600 (includes prescription drug costs) | No maximum |
1 Preventive care includes a variety of routine services. See the plan document for limitations and details.
2 A reasonable and customary (R&C) charge is the average charge for a procedure in a particular geographic area. If you use out-of-network providers and they charge more than the R&C, you are responsible for your portion of the coinsurance plus any amount above the R&C.
3 Therapy Services – Habilitative physical, occupational and speech therapy for autism and developmental delay will be covered without any visit limits.
Prescription Drug Costs
| In-Network | |
|---|---|
| Individual Deductible | annual combined medical and prescription drug deductible1 |
| Retail generic2 | $8 copay after deductible |
| Retail preferred brand | 25% ($15 minimum/$60 maximum) after deductible |
| Retail non-preferred brand | 40% ($15 minimum/$75 maximum) after deductible |
| Mail-order generic3 | $20 copay after deductible |
| Mail-order preferred brand | 25% ($30 minimum/$120 maximum) after deductible |
| Mail-order non-preferred brand | 40% ($30 minimum/$150 maximum) after deductible |
| Individual out-of-pocket maximum | annual combined medical and prescription drug out-of-pocket maximum applies4 |
1 If you’re covering yourself and other family members, the plan does not start paying benefits until the $3,600 family deductible is met, even if one family member meets the $1,800 individual deductible.
2 Up to a 30-day supply
3 31- to 90-day supply
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