Medical Benefits

Your State of Colorado Medical Plans

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.


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 are a flat fee you pay for a covered service.


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.

Gender-Affirming Care

Learn about the gender-affirming care options available to State of Colorado employees below. 

State Resources

Division of Human Resources

Your Department's Human Resources Office
Employees and supervisors are encouraged to contact their respective Department Benefit Administrators with questions.

Employee Wellness Program

Colorado State Employee Assistance Program (CSEAP)
Contact: 303.866.4314 or Toll Free 1.800.821.8154

Medical Providers

Contact: 800.244.6224

Kaiser Permanente

Everside Health (Primary Care Services for Cigna members)
Contact: 866.808.6005 

Additional Benefits Information