Benefits Overview, Plan Summaries and Guides

The Labor Management Benefits Committee (LMBC), is a collaborative group of managers and union representatives. Each year, they makes plan design recommendations for non-represented employees, and those employees represented by PROTEC17, DCTU, PFFA, PPCOA, PPA-BOEC, AFSCME, PCL, CPPW and LiUNA.

2026-2027 Plan Year: Highlights Guides are quick reference tools to give you an overview of Health Benefit plans, rates and coverage. 

Healthcare

•    City covers 95% of healthcare premiums for PCI compliant CityCore and Kaiser Medical members and 100% of premiums for CityHD members
•    Preventative Care covered at no cost
•    Dental Insurance with Buy-Up Option
•    Vision Insurance with Buy-Up Option
•    Waived copays for outpatient mental health services (office visits)
•    Alternative Care Coverage

Insurance

•    City paid 50K in Basic Life Insurance for employees
•    Long-Term Disability Insurance with Buy-Up Option
•    Supplemental Life Insurance for Employees + Dependents
•    Travel Assistance

Financial

•    Healthcare FSA and Dependent Care FSA
•    Deferred Compensation - 457b
•    Home Buying Assistance
•    1:1 Financial Planning through Voya Financial

Support and Wellness

•    10 free confidential counseling sessions per year through Employee Assistance Program  (13 for PFFA and PPCOA)
•    Gender-Affirming Care
•    Hormonal Health Resources
•    Family-Building Support
•    Elder and Child Care Resources
•    Employee Fitness Classes

Remember: Hard copy plan comparisons can be obtained within your benefits portal. Simply select the plans you wish to compare during your plan election phase and hit compare once selected. 

A Summary Plan Description (SPD) is a City of Portland guide that shares more detailed, clear and convenient information about the different plans with health benefit details and processes to guide your choices and help you understand all that is available to you.   

2026-2027 Plan Year (July 1, 2026 - June 30, 2027)

A Summary of Benefits and Coverage (SBC) provides a concise, plain-language overview of a health insurance plan's key features, including covered benefits, cost-sharing (like deductibles and copays), and limitations. It's designed to help individuals easily compare different health plans and understand their coverage. 

2026-2027 Kaiser Medical and Vision Summary of Benefits and Coverage

Kaiser Medical and Vision plans are a Health Maintenance Organization (HMO) plan that includes Kaiser Permanente facilities in Oregon and SW Washington. You must utilize care within Kaiser's healthcare system, and you'll usually have a copay for most services, except for occasional cases where coinsurance applies. Preventive care is covered at no cost, while other services usually require a copay. An annual deductible must be met, for coinsurance to be applied to certain services.

Kaiser Medical | City of Portland

2026-2027 CityCore (Moda Health) Summary of Benefits and Coverage

Administered by Moda Health, this plan uses the Connexus network. Members have access to a wide network of healthcare providers, including primary care physicians, specialists, hospitals, and clinics. Included in this network are Legacy, OHSU, Portland Adventist, and Providence. Health Reimbursement Account offered through Garner when using Garner approved provider. You must meet an annual deductible; once the deductible is reached, you'll be responsible for copay and/or a 20% coinsurance for most in- network services, while the city will cover 80% of the cost.

Moda Health | City of Portland

2026-2027 CityHD (High Deductible, Moda) Summary of Benefits and Coverage

Administered by Moda Health and uses the Connexus network. Still covers preventive care without charge, but is not subject to the Preventive Care Initiative. There are no premium costs per pay period, while the deductible is $1,700 per individual or $3,400 per family. Health Reimbursement Account offered through Garner when using Garner approved provider (once deductible is met). You must meet this annual deductible; once the deductible is reached, you'll be responsible for a copay and/or a 20% coinsurance for most in- network services, while the city will cover 80% of the cost.

 Moda Health | City of Portland

2026-2027 Dental Plans

The City offers 3 dental plan options that are independent from your Medical/Vision plan. Kaiser Dental, Delta Dental Core and Delta Dental Buy-Up.

Kaiser Dental Plan

Kaiser Dental provides integrated dental care within the Kaiser Permanente healthcare system, allowing for seamless coordination between dental and medical services. 

Delta Dental Plans (Administered by Moda Health)

Delta Dental Core

Administered by Moda Health, Delta Dental gives you access to the largest network of dentists in the nation, offering coverage for a wide range of dental services and treatment.

Delta Dental Buy-Up

Delta Dental Buy-Up offers additional benefits including a higher percentage paid (after deductible) for routine services and major services, like crowns. It also includes more frequent cleanings. 

2026-2027 Vision Plans

Your medical plan determines your vision coverage. CityCore and CityHD participants have coverage through Vision Service Plan (VSP) using the Signature network and Kaiser participants have Kaiser NW vision.

VSP Vision and VSP Vision Buy Up

VSP Vision covers a range of vision care services, including annual eye exams, eyeglasses, contact lenses and lens enhancements. 

VSP Vision Buy-Up plan offers additional vision plan coverage like frame allowances every 12 m onths. 

Kaiser Vision

Kaiser Vision is included with the Kaiser Medical plan

The Portland Police Association – Portland Police Bureau (PPA-PPB) Board, makes plan design recommendations specifically for employees represented by Portland Police Association. 

These Highlights Guides are quick reference tools to give you an overview of Health Benefit plans, rates and coverage. 

A Summary Plan Description (SPD) is a City of Portland guide that shares more detailed, clear and convenient information about the different plans with health benefit details and processes to guide your choices and help you understand all that is available to you.   

A Summary of Benefits and Coverage (SBC) provides a concise, plain-language overview of a health insurance plan's key features, including covered benefits, cost-sharing (like deductibles and copays), and limitations. It's designed to help individuals easily compare different health plans and understand their coverage. 

2026-2027 Kaiser Medical Summary of Benefits and Coverage (PPA-PPB) 

Kaiser Medical and Vision plans are a Health Maintenance Organization (HMO) plan that includes Kaiser Permanente facilities in Oregon and SW Washington. You must utilize care within Kaiser's healthcare system, and you'll usually have a copay for most services, except for occasional cases where coinsurance applies. Preventive care is covered at no cost, while other services usually require a copay. An annual deductible must be met, for coinsurance to be applied to certain services.

Kaiser Medical | City of Portland

2026-2027 CityNet (Moda) Summary of Benefits and Coverage

 Moda Health | City of Portland

2026-2027 CityHDP High Deductible Medical Plan (Moda) Summary of Benefits and Coverage

 Moda Health | City of Portland

2026-2027 Dental Plans

The City offers 3 dental plan options that are independent from your Medical/Vision plan. Kaiser Dental, Delta Dental Core and Delta Dental Buy-Up.

Kaiser Dental Benefits Summary

Kaiser Dental provides integrated dental care within the Kaiser Permanente healthcare system, allowing for seamless coordination between dental and medical services. 

Delta Dental Plans (Administered by Moda) Benefits Summary

Administered by Moda Health, Delta Dental gives you access to the largest network of dentists in the nation, offering coverage for a wide range of dental services and treatment.

Delta Dental Buy-Up offers additional benefits including a higher percentage paid (after deductible) for routine services and major services, like crowns. It also includes more frequent cleanings. 

2026-2027 Vision Plans

Your medical plan determines your vision coverage. CityCore and CityHD participants have coverage through Vision Service Plan (VSP) using the Signature network and Kaiser participants have Kaiser NW vision.

VSP Vision and VSP Vision Buy Up

VSP Vision covers a range of vision care services, including annual eye exams, eyeglasses, contact lenses and lens enhancements. 

VSP Vision Buy-Up plan offers additional vision plan coverage like frame allowances every 12 m onths. 

Kaiser Vision 

Kaiser Vision is included with the Kaiser Medical plan