Benefits for Retirees
Non-Medicare Eligible under 65
Medical Plan Comparison Tool
Use this tool to compare some features of the medical plans you may be eligible to participate in. Please review the Summary of Benefits and Benefits Booklets below for more in-depth information.
CU Health Plan - Exclusive
CU Health Plan - Exclusive is a limited network plan administered by Anthem Blue Cross Blue Shield. All members must select a primary care physician (PCP) who will direct their health care as appropriate. Referrals are required for most specialist visits. This plan offers in-network coverage only, except in cases of emergency.
CU Health Plan - High Deductible
CU Health Plan - High Deductible is an HSA-qualified, consumer-directed health plan administered by Anthem Blue Cross Blue Shield, which offers a national network of providers. Members do not have to select a primary care physician (PCP) and may refer themselves to doctors of their choice, including specialists. This plan provides coverage both in network and out of network. Preventive care is covered at 100 percent in most cases and is not subject to the plan deductible.
CU Health Plan - Kaiser
CU Health Plan - Kaiser is an exclusive provider organization plan that offers coordinated care throughout the Kaiser network of providers. Referrals are required for most specialist visits. This plan does require that you live within a designated zip code area. This plan offers in-network coverage only, except in cases of emergency. The University plan participates in the Denver/Boulder and Southern Kaiser networks, this plan does not participate in the Northern network.
Medicare Eligible and Non-Medicare eligible under age 65
Retirees who need coverage for Medicare-eligible family members and/or family members younger than 65 may combine the CU Health Plan - Medicare with the CU Health Plan - High Deductible. Another option for retirees who are Medicare-eligible is the Alternate Medicare Payment option (AMP); they can elect this option even if they have Medicare-eligible spouses/same-gender domestic partners.
Medicare Eligible, 65 and over
CU Health Plan - Medicare
CU Health Plan - Medicare is a secondary plan to Medicare and not Medicare supplement (Medigap) insurance. Those on CU Health Plan - Medicare receive the same services provided through Medicare.
Medicare-eligible retirees may also participate in the Alternate Medicare Payment option (AMP), even if they have Medicare-eligible spouses/same-gender domestic partners.
Alternate Medicare Payment
- available for you and your Medicare-eligible spouse/same-gender domestic partner
- no dependent children coverage
- a monthly cash payment to offset medical plan costs of your non-CU Medicare Risk or Medicare-Eligible Plan
- not a medical insurance plan.
CU Health Plan EPO (Exclusive Panel Option)
Under this plan, you are typically responsible for a copayment. Services are only covered when provided by dentists on the Delta Preferred Provider Option (PPO) list.
CU Health Plan - Dental PPO (Preferred Provider Option)
Using this plan, you may see any dentist. Reimbursement levels are typically higher when you use a dentist on the Delta Preferred Provider Option (PPO) list. Once you meet the plan deductible, you'll be responsible for a percentage of your covered care costs (aka, coinsurance).
CU Health Plan - Dental Premier Retiree Plan
This retiree dental plan gives its members access to the premier dentists within the Delta Dental provider network.
Eligible retirees qualify for a $3,000 basic term life policy. The Accidental Death & Dismemberment policy is not available.
Eligible retirees may elect up to 25 percent of the optional life insurance they have at the time of their retirement, not to exceed $9,500. They may not add or increase this coverage.