Medical Benefits

Your State of Colorado Medical Plans FY 2020-21

The State of Colorado offers you options through Cigna and Kaiser Permanente. These plans are designed to offer a range of coverage and cost options to fit as many care and financial situations as possible.

Cigna     Kaiser Permanente

Understanding Your Medical Plans

The first step to great health is choosing a plan that fits your level of need and budget - and that means understanding a few basics.

Employee Premium

Your employee premium is the cost of your plans and is deducted from your paycheck. Plans with lower premiums tend to have a higher deductible, coinsurance, and out-of- pocket maximum.

Deductible

Your deductible is the amount you pay before the plan begins paying for covered services. For plans that utilize coinsurance, you'll typically pay 100% of medical costs, including prescriptions, until you meet your deductible. For copay plans, your deductible does not need to be met in order for your plan to pay for certain services.

Copays

Copays are a flat fee you pay for a covered service.

Coinsurance

Coinsurance is your share of a covered service after you've met your deductible. Each plan (including copay plans) has a coinsurance rate. Typically, you'll see a better coinsurance rate for plans with higher premiums.

Out-of-Pocket Maximum

Your out-of-pocket maximum is the most you will pay within a plan year for covered services. The plan you choose should have an out-of-pocket maximum that you can tolerate financially in the event of a high usage of health care or catastrophic health event.