State of Colorado Classified Employee Benefits

FY 2019/20 Medical & Vision Benefits

The State of Colorado offers a co-pay plan with deductibles and high deductible health plans (HDHP's) from UnitedHealthcare. The plan designs differ based on how you and insurance company share the costs of your care. The plan designs have no effect on the quality of care you receive. 

All of our medical plans include vision and optical benefits. all employees are automatically enrolled in an optical plan through UnitedHealthcare. Vision Benefit information can be found at:  https://colorado.welcometouhc.com/vision 

UnitedHealthcare Medical Plan Comparison

UnitedHealthcare Medical & Vision Premiums

FY 2019/20 Dental Benefits

The State of Colorado offers two comprehensive, high-quality dental plan options from Delta Dental. Both plans pay 100% for preventative care when you use in-network providers, even if your maximum benefits have already been reached for the plan year.

Additional information can be found on the State of Colorado dental benefits page. 

Delta Dental Monthly Premiums

Delta Dental Customer Service: 1-800-610-0201

Website: Deltadentalco.com

Dental Claim Form

Flexible Spending Account (FSA)

The State of Colorado offers three FSA options to help you manage a variety of expenses through ASIFlex. The annual amount you contribute to your FSA is deducted from your paychecks in equal installments, on pre-tax basis, from July 1st through June 30th (each year), and credited to your FSA account(s). 

• General Purpose Healthcare FSA: You can use this to pay for eligible medical, dental, and vision care expenses. You cannot have this account and an HSA. ($2,700 maximum/plan year)
• Limited Purpose FSA: You can use this to pay only or eligible dental and vision care expenses. You can this account and an HSA. ($2,700 maximum/plan year)
• Dependent Care FSA: You can use this FSA to pay for eligible child care, including daycare, babysitters, school programs and summer day camps and eligible elder care. You can have this account and an HSA. ($5,000 maximum/plan year)

Additional information can be found here, including reimbursement instructions and carryover provisions. 

Administered by Discovery Benefits: www.discoverybenefits.com 

Health Savings Account (HSA)

An HSA is a powerful tool that can help you pay your deductible and out-of-pocket medical expenses. The State of Colorado will contribute $60 to your HSA with Optum Bank each month (up to $720 annually) when you elect the HDHP plan with UnitedHealthcare. 

If you meet the eligibility requirements, you can sign up and open your Optum Bank HSA at www.benefitsolver.com. You can add cash to your Optum Bank HSA, giving you another way to save for your future healthcare needs. HSA contribution limits are determined by the IRS, if you are aged 55 or older, you may contribute additional money to your HSA account. 

Please visit https://www.colorado.gov/pacific/dhr/hsa for more information about the HSA,  understanding the tax advantages and the contribution limits. 

Administered by Optum Bank: www.optumbank.com / 1-800-791-9361

To help protect your income in the event of a disability, the State provides eligible employees with Short-Term Disability Insurance and the option to purchase Voluntary Long-Term Disability Insurance through Unum. 

Additional information and premium rates can be found here. 

Short Term Disability

The State provides eligible employees with Short-Term Disability Insurance, which pays up to 60% of your weekly pre-disability covered compensation. The plans pays up to a maximum benefit up to $3,000/week for up to 150 days during any 12-month period, following the required Short-Term Disability benefit waiting period, which is 30 days, or until the end of all sick leave (whichever is longer).

Short-Term Disability Certificate of Coverage

Long Term Disability

Employees who regularly work at least 30 hours or more each week are eligible to enroll in the Voluntary Long-Term Disability Insurance plan. The Voluntary Long-Term Disability Insurance plan pays up to 60% of your monthly pre-disability covered compensation, up to a maximum monthly benefit of $10,000 per month, following the required waiting period of six months. 

Long-Term Disability Certificate of Coverage

The State offers several group term life insurance plans through Minnesota Life Insurance Company. All eligible employees are automatically enrolled in the Basic Life insurance plan and are also eligible to enroll in the Voluntary Life insurance plan for themselves and their eligible dependents. 

All life insurance includes a matching amount of Accidental Death and Dismemberment (AD&D) coverage.

Basic Life and AD&D 

Basic Life and AD&D Insurance: The Basic Life and AD&D Insurance benefit is equal to one times your annual base regular pay, rounded to the next higher $1,000 (with a minimum benefit of $50,000 and a maximum benefit of $250,000). 

Voluntary Life and AD&D 

You can enroll for additional life insurance for yourself, your spouse and your eligible child(ren). You can purchase Voluntary Life and AD&D insurance at a minimum of $10,000 and up to a maximum of $500,000 (in increments of $10,000). You can also elect life coverage for your spouse (including common-law spouse) or civil union partner in increments of $10,000 up to a maximum of $250,000 (not to exceed 50% of the employee's voluntary life coverage), and for your eligible child(ren) in the amounts of $5,000 or $10,000. 

Additional plan information and premium rates can be found: https://www.colorado.gov/pacific/dhr/life

Commit to Health and Save Money! 

With the State of Colorado Employee Wellness Program, powered by CafeWell, become inspired, engage with others and get rewarded for your efforts. By completing activities designed to make you healthier and happier, you can earn up to $240 per year toward your state-sponsored health insurance premiums for the next plan year. 

To participate go to www.Colorado.gov/Wellness

To earn your medical premium discounts for FY 2019/20, complete all requirements online in CafeWell by June 15, 2019.