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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
Preventive services, such as routine physicals, screenings, and vaccinations are covered 100% by all of our medical plans when you use in-network providers, even before you meet your annual deductible.
Our high deductible health plans (HDHPs) are eligible for a health savings account (HSA), which lets you save money for medical expenses when you open an HSA.
The State of Colorado will contribute $60 each month to your HSA at Optum Bank if you enroll in a HDHP with UnitedHealthcare or Kaiser Permanente and meet the qualifications to elect the HSA option.
All of our medical plans include vision and optical benefits. All employees are automatically enrolled in an optical plan through their medical insurance carrier.
Paladina Health, an exciting benefit for UHC members, offers a great primary care physician option. Learn more at colorado.gov/dhr/paladina.
FY 2019-20 Plan Year (July 1, 2019 - June 30, 2020)
FY 2018–19 Plan Year (July 1, 2018–June 30, 2019)
High Deductible Health Plan Comparison
Copay Plan Comparison
High deductible health plans are designed to help keep premium costs low for you and your family. How much you pay out-of-pocket depends on two things: Your deductible and out-of-pocket maximum.
Deductible: You are expected to pay the full charges for services until you meet the deductible.
HSAs or FSAs Help You Pay Your Deductible: You can use a health savings account (HSA) or flexible spending account (FSA) to cover medical expenses. All HDHPs with the State of Colorado are HSA qualified and eligible for an employer contribution of $60 per month ($720 annually) to an HSA with Optum Bank.
Coinsurance: Once you meet your deductible, your health insurance pays coinsurance, or 80% of your medical costs.
Annual Out-of-Pocket Maximum: You’ll continue to pay coinsurance on the covered expenses that require it until you meet your out-of-pocket maximum. If you reach your out-of-pocket maximum, the insurance company pays 100% of medical services.
How High Deducible Health Plans Work:(Click to enlarge)
Regardless of your health insurance plan, all preventive care services are covered at little or no out-of-pocket cost to you.
And, more! Please see the following resources and your health insurance plan for a complete list of preventive services.
303-866-3434 or 1-800-719-3434
Employees and supervisors are encouraged to contact their respective Department Benefit Administrators with initial questions.
Contact: 303-866-4314 or Toll Free 1-800-821-815
Group# 718733myuhc.com (member site)welcometouhc.com/colorado (a pre-member site)
Denver/Boulder & Northern Colorado
Contact: 303-338-3800, 1-800-632-9700
Archived past State of Colorado benefits plans.
Send an email to firstname.lastname@example.org to ask a benefits question anytime.
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