Non-Medicare Eligible

Benefits are similar to active faculty, staff and their families with only a few changes.

CU Health Plan - Exclusive

Plan overview: 

Type of Plan: HMO

Provider: Anthem Blue Cross Blue Shield

Under this plan, you can join one of three regional health care networks: Central, North or South. You make this selection by first choosing your primary care physician; the region in which that doctor practices will dictate the regional network into which you'll be placed to receive health care services. With the Exclusive option, your primary care physician manages your care, so you’ll need to get referrals to see specialists. 

Features and Considerations:

  • You'll have access to the medical professionals, services and facilities within your network. 
  • The Exclusive plan is tailored to University of Colorado and CU Medicine employees. If you select this option, you will receive care at UCHealth facilities by physicians from the CU Medicine School of Medicine, UCHealth Medical Group and other physicians. You’ll have access to care across Colorado's Front Range.
  • If you see a CU Medicine or UCHealth Medical Group doctor, your records will be easily accessible to other practitioners in those groups, making healthcare even easier for you. 
  • You get full access to Exclusive network pharmacies, such as University of Colorado Health pharmacies—including its Mail Order Prescription Service—and Anthem-covered retail pharmacies.
  • If you have dependents covered by this plan who will be living out-of-state during the 2017-18 plan year, you may enroll them in CU Health Plan - Exclusive Guest Membership for additional, temporary coverage in participating states.

Choose your plan

What's covered?

Review Monthly Rates (for those who receive 100% CU contribution)

Surviving Spouse Surviving Spouse + Child(ren)
$64.50 $124.50

- Plan Comparison

Get an apples-to-apples look at CU's four health plans with our Plan Comparison

Coverage area

This plan has a limited provider network that extends throughout Colorado, but is defined by three networks: the Central network (Denver/Boulder metro area), the South network (Colorado Springs area) and the North Network (Fort Collins, Greeley area). The location of your primary care physician dictates your network.

All care out-of-network, except for emergency care, transportation and urgent care, will not be covered.

  Common fees

Deductible $250/single or $750/family
Out-of-pocket limit $7,150/single or $14,300/family
Primary care visit $30 per visit, deductible does not apply
Specialist $40 per visit, deductible does not apply
Preventive care, screenings, immunizations $0 per visit, deductible does not apply

  Prescriptions

Tier 1 - Typically Generic
UCHealth Retail Pharmacy Locations: $13/prescription for up to a 30-day supply, $26/ prescription for up to a 90-day supply. Anthem Retail Pharmacy Locations: $15/prescription for up to a 30-day supply. UCH Mail Order: $26/prescription for up to a 90-day supply.
Tier 2 - Typically Preferred Brands
UCHealth Retail Pharmacy Locations: $30/prescription for up to a 30-day supply; $60/prescription for up to a 90-day prescription. Anthem Retail Pharmacy Locations: $35/prescription for up to a 30-day supply. UCH Mail Order: $60/prescription for up to a 90-day supply. 
Tier 3 - Typically Non-Preferred Brand Drugs
UCHealth Retail Pharmacy Locations: $50/prescription for up to a 30-day supply; $100/prescription for up to a 90-day supply. Anthem Retail Pharmacy Locations: $50/prescription for up to a 30-day supply. UCH Mail Order: $100/prescription for up to a 90-day supply.
Tier 4 - Typically Specialty Drugs
UCHealth Retail Pharmacy Locations: $75/prescription for up to a 30-day supply. Anthem Retail Pharmacy Locations: $75/prescription for up to a 30-day supply.

Use your plan

What's covered?

Find a doctor

See a list of covered providers on Anthem’s microsite, or call 1-800-735-6072.

  Find a pharmacy

Visit Anthem’s microsite to login to your account and search for pharmacies near you in your network. 

Claim Assistance

If you are having trouble filing a claim, call 1-800-735-6072 to speak with an Anthem representative.

If a claim has been rejected, call 303-860-4200, option 3, and an Employee Services benefits professional will help you examine your options.

Be Colorado wellness programs

As a CU Health Plan member, you have access to exclusive Be Colorado activities. These wellness programs offer information, inspiration and support to meet your health goals. Learn more on their website

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you waive a medical plan at any time, it cannot be re-elected later. This is a permanent waive.

Qualifying Life Events

Recently had a significant life event, such as eligible children gaining other group coverage? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link.
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses, phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
    • ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
    • Anthem sends out plan cards to members.
  • How do I get a new ID card? What if I lost my card?

CU Health Plan - High Deductible

Plan overview: 

Type of Plan: PPO

Provider: Anthem Blue Cross Blue Shield

This plan gives you broad access to health care services inside and outside of your network – but requires that you first meet your deductible. Once you’ve satisfied the deductible, you’ll be responsible for paying a 15% coinsurance for in-network care.

Features and Considerations:

  • You’ll have the flexibility to schedule your own appointments with specialists – no primary care provider needed.
  • Preventative care is automatically covered under the plan and not subject to your deductible.
  • You have access to a national network of physicians/providers. If you move out of Colorado after retiring, this is your only medical plan option. 

Choose your plan

What's covered?

Review Monthly Rates (for those who receive 100% CU contribution)

Surviving Spouse Surviving Spouse + Child(ren)
$25 $39

- Plan Comparison

Get an apples-to-apples look at CU's four health plans with our Plan Comparison

Coverage area

This plan allows members to access any medical provider, emergency services, emergency transportation or urgent care within Colorado and throughout United States. 

  Common fees

Fee In-network Provider Out-of-network provider
Deductible $1,500/single or $3,000/family $3,000/single or $6,000/family
Out-of-pocket limit $3,000/single or $6,000/family $6,000/single or $12,000/family
Primary care visit 15% coinsurance after deductible 35% coinsurance after deductible
Specialist 15% coinsurance after deductible 35% coinsurance after deductible
Preventive care, screenings, immunizations $0 per visit 35% coinsurance after deductible

  Prescriptions

After your deductible has been met, all prescriptions require a 20% coinsurance upon pick up, even if the pharmacy is out-of-network.

This plan does not have a list of covered medications (aka, formulary), and some medication may require pre-authorization before it can be dispensed. You can always use the University of Colorado Health’s Mail Order Prescription Service to have your medication delivered to you.

Use your plan

What's covered?

Find a doctor

See a list of covered providers on Anthem’s microsite, or call 1-800-735-6072.

  Find a pharmacy

Visit Anthem’s microsite to login to your account and search for pharmacies near you in your network. 

Claim Assistance

If you are having trouble filing a claim, call 1-800-735-6072 to speak with an Anthem representative.

If a claim has been rejected, call 303-860-4200, option 3, and an Employee Services benefits professional will help you examine your options.

Be Colorado wellness programs

As a CU Health Plan member, you have access to exclusive Be Colorado activities. These wellness programs offer information, inspiration and support to meet your health goals. Learn more on their website

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you waive a medical plan at any time, it cannot be re-elected later. This is a permanent waive.

Qualifying Life Events

Recently had a significant life event, such as eligible children gaining other group coverage? Your benefits coverage may need to be adjusted. Find out how

 Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link.
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses, phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
    • ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
    • Anthem sends out plan cards to members.
  • How do I get a new ID card?

CU Health Plan - Kaiser

Plan overview: 

Type of Plan: EPO

Provider: Kaiser

Under this plan, you’ll gain access to care at all Kaiser facilities in Colorado. You don’t need to select a primary care physician to receive care. 

Features and Considerations:

  • In place of a deductible, enrollees will be responsible for a copay.
  • All of your care is provided at Kaiser locations, by Kaiser doctors. It offers an easy way to interface with your health care network because it’s all managed by Kaiser. You will need a primary care physician and a referral to see a specialist. Your medical record is easily accessible to all Kaiser providers. Just make an appointment and leave the rest to the team at Kaiser.
  • Services may differ depending upon your coverage area.
  • Out-of–network care is not covered under this plan, except for emergency and/or urgent care.

Choose your plan

What's covered?

Review Monthly Rates (for those who receive 100% CU contribution)

Surviving Spouse Surviving Spouse + Child(ren)
$126 $200

- Plan Comparison

Get an apples-to-apples look at CU's four health plans with our Plan Comparison

Coverage area

The Kaiser network covers care in the state of Colorado. Out-of-network care is not covered under this plan, except for emergency and/or urgent care.

If you are transported to the emergency room, Kaiser covers your ride with no out-of-pocket costs. Emergency room care is $150 a visit, but this is waived if you are admitted as an inpatient. Medical attention received at an urgent care facility has a copayment of $30. 

  Common fees

Deductible $0
Out-of-pocket limit $7,150/single or $14,300/family
Primary care visit $30 per visit
Specialist $40 per visit
Preventive care, screenings, immunizations $0 per visit

  Prescriptions

Tier 1 - Typically Generic Retail Pharmacy: $15/prescription for up to 30-day supply
Mail Order: $30/prescription for up to a 90-day supply
Tier 2 - Typically Preferred Brands Retail Pharmacy: $35/prescription for up to a 30-day supply
Mail Order: $70/prescription for up to a 90-day supply
Tier 3 - Typically Non-Preferred Brand Drugs Not covered by Kaiser
Tier 4 - Typically Specialty Drugs 20% coinsurance payment (up to a maximum of $75 per drug for 30 days)

Use your plan

What's covered?

Find a doctor

See a list of covered providers on Kaiser's CU microsite.

  Find a pharmacy

Visit Kaiser's CU microsite to search for a Kaiser pharmacy near you.

Claim Assistance

Having trouble filing a claim? Visit Kaiser’s CU microsite or speak with Kaiser Permanente Member Services at 1-877-883-6698.

If a claim has been rejected, call 303-860-4200, option 3, and an Employee Services benefits professional will help you examine your options.

Be Colorado wellness programs

As a CU Health Plan member, you have access to exclusive Be Colorado activities. These wellness programs offer information, inspiration and support to meet your health goals. Learn more on their website

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you waive a medical plan at any time, it cannot be re-elected later. This is a permanent waive.

Qualifying Life Events

Recently had a significant life event, such as eligible children gaining other group coverage? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link.
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses, phone numbers, emergency contacts, email addresses and more.

 ID Cards

  • When will I receive my ID card?
    • ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
  • How do I get a new ID card?

 

 

 

CU Health Plan - Essential Dental

Plan overview: 

This Delta Dental plan grants access to providers only within the Delta Preferred Provider Option (PPO) network.

Your PPO network is available in Colorado or throughout the United States. Coverage will not be offered for providers outside of the network.

Once you meet your $25 per person plan deductible, you will only be responsible for a percentage of your covered care costs (aka, coinsurance).

Features and Considerations:

  • Kids under 13 who are enrolled on your plan receive 100% coverage - excluding orthodontic services.
  • Periodontal cleanings are fully covered under this plan.
  • Diagnostic and preventative services do not accumulate toward your annual benefit maximum. This means that routine cleanings, x-rays, oral evaluations and more are free of charge and do not affect paying for additional services.

Choose your plan

What's covered?

Review monthly rates

Surviving Spouse Surviving Spouse + Child(ren)
$26.50 $58

- Plan Comparison

Get an apples-to-apples look at CU's two dental plans with our Plan Comparison.

  Coverage area

Coverage only applies to providers within the Delta Dental PPO network. Visit the Delta Dental website to find a PPO dentist near you.

  Common fees

Deductible $25 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit).
There is no family deductible limit.
Plan-year Maximum Benefits $2,000 per person
Preventative & Diagnostic Services 0% coinsurance payment
Will not count against the plan year maximum
Basic Services 30% coinsurance payment
Major Services 50% coinsurance payment
Orthodontics (For children to age 19 only) 50% coinsurance payment

 Before or after tax?

You can decide how your monthly premiums are deducted from your paycheck, either before or after tax.

If you choose pre-tax, your premium will be deducted from your wages before taxes are calculated on your earnings. This process reduces your taxable income, and the cost of your premiums is tax-free.

If you choose after tax, you may be able to deduct your premiums as medical expenses when you file taxes.

Use your plan

What's covered?

Find a dentist

Visit Delta Dental's CU microsite to find a network provider near you.

 Claim Assistance

Contact a Delta Dental representative at 1-877-FLOSSCU or customer_service@ddpco.com

If a claim has been rejected, you can call 303-860-4200, option 3, to discuss your options with an Employee Services benefits professional.

When does my coverage end?

>Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you lose coverage due to termination of employment or reduced work hours, you may be eligible to up to 18 months of continuing coverage under COBRA.

Qualifying Life Events

Recently had a significant life event such as getting married or having a baby? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
  •  ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
  • Delta Dental sends out plan cards to members in bright green envelopes to avoid accidentally misplacing your card.
  • How do I get a new ID card?
  •  All members can go to the Delta Dental website and create an online subscriber account. From there, members can access their ID information and print a new one.
  • Members can also access their ID card on the go with the Delta Dental app. All they need is an account to get started.
  • What is my subscriber ID number?
  • Your Delta Dental subscriber ID number is 888 + your six-digit employee ID number (ex: 888123456)

CU Health Plan - Choice Dental

Plan overview: 

This Delta Dental plan lets you see any dentist. However, your out-of-pocket costs are typically lower when you see a dentist on the Delta Preferred Provider Option (PPO) network.

Once you meet your $25 per person plan deductible, you will only be responsible for a percentage of your covered care costs (aka, coinsurance).

Features and Considerations:

  • Kids under 13 who are enrolled on your plan receive 100% coverage - excluding orthodontic services.
  • Periodontal cleanings are fully covered.
  • Adults are eligible for the orthodontic benefits.
  • Diagnostic and preventative services do not accumulate toward your annual benefit maximum. This means that routine cleanings, x-rays, oral evaluations and more are free of charge and do not affect paying for additional services.

Choose your plan

What's covered?

  Review Monthly Rates

Surviving Spouse Surviving Spouse + Child(ren)
$42.50 $93

- Plan comparison

Coverage area

You may see any dentist while using this plan to receive coverage. However, your out-of-pocket costs are typically lower when you use a dentist on the Delta Preferred Provider (PPO) list. 

  Common fees

Fee In-network Provider Out-of-network Provider
Deductible $25 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit)
There is no family deductible limit.
$75 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit)
There is no family deductible limit.
Plan-year Maximum Benefit $2,500 per person $2,500 per person
Orthodontic Lifetime Maximum (Employees, spouses and children to age 27) $4,000 per person $4,000 per person
Preventative & Diagnostic Services 0% coinsurance payment; Will not count against the plan year maximum 0% coinsurance payment; Will not count against the plan year maximum
Basic Services
  • 20% coinsurance payment for amalgam, resin and composite fillings
  • 25% coinsurance payment for other services
  • 40% coinsurance payment for amalgam, resin and composite fillings
  • 50% coinsurance payment for other services
Major Services 25% coinsurance payment 60% coinsurance payment
Orthodontics (Employees, spouses and children to age 27) 40% coinsurance payment 60% coinsurance payment

 Before or after tax?

You can decide how your monthly premiums are deducted from your paycheck, either before or after tax.

If you choose pre-tax, your premium will be deducted from your wages before taxes are calculated on your earnings. This process reduces your taxable income, and the cost of your premiums is tax-free.

If you choose after tax, you may be able to deduct your premiums as medical expenses when you file taxes.

Use your plan

What's covered?

Find a dentist

Visit Delta Dental's CU microsite to find a network provider near you.

 Claim Assistance

Contact a Delta Dental representative at 1-877-FLOSSCU or customer_service@ddpco.com

If a claim has been rejected, you can call 303-860-4200, option 3, to discuss your options with an Employee Services benefits professional. 

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you lose coverage due to termination of employment or reduced work hours, you may be eligible to up to 18 months of continuing coverage under COBRA

Qualifying Life Events

Recently had a significant life event such as getting married or having a baby? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
  • ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
  • Delta Dental sends out plan cards to members in bright green envelopes to avoid accidentally misplacing your card.
  • How do I get a new ID card?
  • All members can go to the Delta Dental website and create an online subscriber account. From there, members can access their ID information and print a new one.
  • Members can also access their ID card on the go with the Delta Dental app. All they need is an account to get started.
  • What is my subscriber ID number?
  • Your Delta Dental subscriber ID number is 888 + your six-digit employee ID number (ex: 888123456)