Your State of Colorado Medical Plans

Great benefits start with a great medical plan. The State of Colorado offers you options through Cigna and Kaiser Permanente for a total of six different plans to choose from. 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.



Your Rights

This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The State of Colorado reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.

Your Benefits Team

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

Your Department’s Human Resources Office: Benefit Administrator List


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