Medical Insurance

Make the most of your benefits

One of the State of Colorado’s goals is to provide employees with cost-effective, high-quality health care. The FY 2017-18 Employee Benefits Guide will provide you with an overview of your benefits plan options for the upcoming fiscal year, beginning on July 1, 2017.

Copayment Plans

With copay plans, you pay set copays for some healthcare services, like office and emergency room visits. You'll pay the full cost of most services until you reach your deductible. Your preventive care is covered at 100%. Your insurance plan determines your copay —these amounts are printed on your health insurance card. These plans have higher monthly premiums.

Copay Plan Features:

You'll have a set dollar amount, or copay, when you visit the doctor

  • Works well for people who don't have the budget to pay the full cost of a medical bill or a prescription out-of-pocket
  • Makes sense for those who are willing to pay more each month for the security of knowing how much they will pay when they visit the doctor. 

High-Deductible Health Plans

High-deductible health plans are designed to help keep premium costs low for you and your family. You will pay the full cost of all services until you meet your deductible. After you satisfy your deductible, you will pay coinsurance until you reach your out-of-pocket maximum. Both State of Colorado HDHPs have the same deductibles, coinsurance, and out-of-pocket maximums. 

High Deductible Health Plan Features:

  • You'll have lower monthly premiums
  • If you enroll in a HDHP, you're eligible for a health savings account (HSA) to help with out-of-pocket costs. The State of Colorado will contribute $60 per month to your HSA through Optum Bank. 
  • Works well when you know you'll meet your deductible or out-of-pocket maximum early in the plan year. After you meet your deductible, you will pay a 20% coinsurance for subsequent costs, and your insurance plan will cover the rest. 
  • Makes sense for those who don't go to the doctor very often. You'll have low monthly premiums and preventive care at no cost to you. Preventive care includes wellness exams, cancer screenings and other services. 

How High Deducible Health Plans Work:
(click to enlarge)

High Deductable Example

Preventive Services

Regardless of your health insurance plan, all preventive care services are covered at little or no out-of-pocket cost to you.

  • Annual physical exams (e.g. well-woman, well-child exams etc.)
  • Preventive Cancer Screenings 
  • Preventive Mammograms
  • Biometric screenings (e.g. cholesterol, blood pressure, diabetes, etc.)
  • Flu Shots and other immunizations
  • Diabetes Prevention Program 

And, more! Please see the following resources and your health insurance plan for a complete list of preventive services.

Employee Resources 

State Resources

Division of Human Resources
303-866-3434 or 1-800-719-3434

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 (C-SEAP)
Contact: 303-866-4314 or Toll Free 1-800-821-815

Medical Providers


Group# 718733 (member site) (a pre-member site)
Contact: 1-877-283-5424

Kaiser Permanente

Group# 0225
Denver/Boulder & Northern Colorado
Contact: 303-338-3800, 1-800-632-9700

Southern Colorado
Contact: 1-888-681-7878

Related Links 

Send an email to to ask a benefits question anytime.