State of Colorado Classified Employee Benefits

The State of Colorado is committed to providing employees with a strong and competitive benefits package. They offer benefits to permanent full-time and part-time employees. Currently, temporary and seasonal employees are not eligible for benefits.

State of Colorado FY 2019/20 Benefits Guide can be found here.  

The State of Colorado Department of Human Resources page can be found at:  


You can enroll yourself and your eligible dependents in medical and dental benefits. 

Eligible Dependents Include: 

  • You spouse or civil union partner
  • Child(ren) under the age of 26 (your children, your spouse or partner's children, and children in your legal custody)
  • Eligible child(ren) of any age who were disabled before age 26

Covering Dependents

You'll be required to provide proof of eligibility for any new dependent you want to add to your coverage. You'll receive information about eligibility and documentation requirements after you enroll. The State of Colorado may conduct a dependent eligibility audit at any time. 

Civil Union Coverage

Civil union partners are eligible to enroll as dependent in the benefit plans. Any premium contributions made by the State of Colorado on behalf of your civil union partner are considered taxable income to you. Please contact your financial or tax advisor for more information.


Note: If there is any inconsistency between the information listed here and the State's formal plans, programs, policies or contracts (or any subsequent change in such plan programs, policies or contracts), the actual provisions of each benefit program govern. 

The premium information listed reflects the State funding as currently reflected in the Long Bill, which is in the final stages of the legislative process. Should employer contribution amounts change, the State and employee contributions will be adjusted accordingly among the four levels. 

If you have questions about any of the benefits available, please contact Amy Grimes in Human Resources at 970-248-1578 or via email at 

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: 

UnitedHealthcare Medical Plan Comparison

UnitedHealthcare Medical & Vision Premiums

Plan Tier Employee Premium

HDHP- HSA eligible

Summary of Benefits

Employee + Spouse
Employee + Child(ren)
Ee + Sp + Child(ren)

PPO Co-pay Choice Plus

Summary of Benefits

Employee + Spouse
Employee + Child(ren)
Ee + Sp + Child(ren)

UnitedHealthcare Customer Service: 1-877-283-5424

New Member Website:

UnitedHealthcare Member Site:

Paladina Health 

By having access to UnitedHealthcare, you and your eligible family members have access to Paladina Health at no additional cost. The personal attention and extra time Paladina Health doctors give along with convenient access, comprehensive care, care coordination and chronic condition management - all add up to the kind of healthcare that makes a difference in your health and well-being. 

Enroll with Paladina Health at: or call Member Services at 1-866-808-6005.

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

Plan Tier Total Premium Employee Contribution
Employee + Spouse
Employee + Child(ren)
Ee + Sp + Child(ren)
Employee + Spouse
Employee + Child(ren)
Ee + Sp + Child(ren)


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


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: 


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 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 for more information about the HSA,  understanding the tax advantages and the contribution limits. 

Administered by Optum Bank: / 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:


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

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