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.

UnitedHealthcare  | (member site)  | (a pre-member site)

Paladina Health, an exciting benefit for UHC members, offers a great primary care physician option. Learn more at 

Kaiser Permanente

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Monthly Medical Rates
FY 2017–18 Plan Year (July 1, 2017–June 30, 2018)

Medical Plan Cost Comparison  
FY 2017–18 Plan Year (July 1, 2017–June 30, 2018)

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:


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 

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 1-800-821-8154

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

Plan Options at a Glance

Previous Plan Years

Click here for past State of Colorado benefits plans. 


Related Links 

Send an email to to ask a benefits question anytime.