Your State of Colorado Medical Plans FY 2020-21
The State of Colorado offers you options through Cigna and Kaiser Permanente for the upcoming plan year of July 1, 2020 through June 30, 2021. These plans are designed to offer a range of coverage and cost options to fit as many care and financial situations as possible.
Understanding Your Medical Plans
The first step to great health is choosing a plan that fits your level of need and budget—and that means understanding a few basics.
Employee Premium. Your employee premium is the cost of your plans and is deducted from your paycheck. Plans with lower premiums tend to have a higher deductible, coinsurance, and out-of- pocket maximum.
Deductible. Your deductible is the amount you pay before the plan begins paying for covered services. For plans that utilize coinsurance, you’ll typically pay 100% of medical costs, including prescriptions, until you meet your deductible. For copay plans, your deductible does not need to be met in order for your plan to pay for certain services.
Copays. Copays are a flat fee you pay for a covered service.
Coinsurance. Coinsurance is your share of a covered service after you’ve met your deductible. Each plan (including copay plans) has a coinsurance rate. Typically, you’ll see a better coinsurance rate for plans with higher premiums.
Out-of-Pocket Maximum. Your out-of-pocket maximum is the most you will pay within a plan year for covered services. The plan you choose should have an out-of-pocket maximum that you can tolerate financially in the event of a high usage of health care or catastrophic health event.
Medical Plan Options for the FY 2019-2020 Plan Year
The State of Colorado offers copay plans with deductibles, and high deductible health plans (HDHPs) from UnitedHealthcare and Kaiser Permanente. The plan designs differ based on how you and the insurance company share the cost of your care. The plan designs have no effect on the quality of care you receive.
Copay Choice Plus Plan
HDHP with HSA Plan
Deductible HMO Plan
HSA qualified HDHP
Division of Human Resources
Your Department's Human Resources Office
Employees and supervisors are encouraged to contact their respective Department Benefit Administrators with initial questions.
Employee Wellness Program
Colorado State Employee Assistance Program (CSEAP)
Contact: 303-866-4314 or Toll Free 1-800-821-815
Paladina Health (Primary Care Services for Cigna members)
Contact: 866-808-6005 (option #3)
EyeMed Vision (Automatic enrollment under Cigna or Kaiser)
Additional Benefits Information
- Archived past State of Colorado benefits plans
- How to enroll
- State Dependent Definitions & Required Documents
- COBRA Rates
- Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP)
- DEPENDENT TAX STATUS
- FLEXIBLE SPENDING ACCOUNTS
- ACA (AFFORDABLE CARE ACT)
- MEDICAL SUPPLEMENT PROGRAM
- IRS FAQs on Same Sex Marriage and Civil Unions
- Salary Reduction Plan
- Benefits Eligibility Appeal Form
- Pre-tax Information