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.
You have three opportunities to enroll in or make changes to your benefits:
- Within 31 days of your hire date
- During the annual open enrollment period
- Within 30 days of a Qualifying Life Event (ie: marriage, divorce, birth/adoption of child, loss or gain of other health coverage, change in employment status, change in eligibility)
Dependents
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.
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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 State of Colorado reserves the right to modify or terminate any of the described benefits at any time for any reason. The descriptions of these benefits are not a guarantee of current or future employment or benefits.
FY 2022/23 Medical & Vision Benefits
The State of Colorado offers two co-pay plans with deductibles and a high deductible health plans (HDHP) from Cigna. 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 basic vision through EyeMed at no additional cost.
Cigna Customer Service: 1-800-244-6224
Cigna Member Site: www.mycigna.com
EyeMed
Your medical plan includes basic vision through EyeMed at no additional cost to you. You may elect to enroll in the EyeMed Vision Enhanced plan which includes increased benefit coverage. For additional details, including lens coast and out-of-network coverage, visit www.stateofcoloradobenefits.com.
EyeMed Customer Service: 888-485-5174 or www.eyemed.com.
FY 2022/23 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 Customer Service: 1-800-610-0201
Website: Deltadentalco.com
Everside Health (formerly Paladina Health)
By having access to Cigna, you and your eligible family members have access to Everside Health at no additional cost. The personal attention and extra time Everside 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 Everside Health at: www.eversidehealth.com/colorado or call Member Services at 1-866-808-6005 (option 3).
Optum Rx
OptumRx is a focused, collaborative and innovative leader in the pharmacy benefit management (PBM) industry. Everyday, millions of people are served through their state-of-the-art home delivery pharmacy and a network of community pharmacies.
Find a network pharmacy and view you prescription drug benefits here.
View prescription drug benefit highlights for each plan
OptumRx Customer Service, home delivery: 844-564-2201
Flexible Spending Account (FSA)
The State of Colorado offers three FSA options to help you manage a variety of expenses through Discovery Benefits. 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. ($2,850 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. ($2,850 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 WEX
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 Cigna.
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.
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
The State's MotivateMe Wellness Program for Cigna members offers you the tools, resources and incentives you need to achieve your wellness goals. Participants are eligible to earn a monthly medical premium discount of $20 ($240 annually) for the following plan year.
If you're enrolled in one of the State's medical plans through Cigna, you're eligible to participate. Get started at www.mycigna.com.
MotivateMe can help you"
- Develop healthy goals
- Make positive lifestyle changes
- Utilize free wellness coaches and programs
- Manage and reduce healthcare costs
- Lead a healthier life
- Explore wellness information & resources
- Maintain preventative visits
- Quit smoking through Cigna's free cessation program
Earning the $20 Monthly Discount
To receive your monthly discount on your medical premiums for the following plan year, you'll need to:
- Complete a health assessment and
- Complete health activities and challenges to earn 240 points by the deadline.
State of Health
State of Health is a new program offered to state employees enrolled in Cigna with chronic health conditions who want to improve their health.
State of Health participants will have their own personal health coach who works closely with Everside care teams to engage in all aspects of health improvement including:
- Focus on your self-determined needs, health challenges, and goals
- Nine health coaching sessions (with Everside, CSEAP, or Cigna health coach)
- Skill groups on various health improvement topics (exercise, nutrition, stress management, goal setting, health communication skills, and getting better sleep and rest)
- Health status assessment (including biometrics) when you start and every 90 days
- Optional elements (tobacco quit-line, diabetes, prevention, and behavioral health support)
To learn more about State of Health go to https://coloradostateofhealth.com/.