USING THE PLAN COMPARISON:

 
  •  

  • 1) Expand your browser to full size.

  • 2) Select the plans you're interested in and press FILTER.

  • 3) Press RESET to see all four plans.

    NOTE: Not recommended for mobile browsers.
 

 

Compare CU Health Plans, 2022-23














Plans
  • Who is Eligibile?





  • Type of plan

  • Provider
  • Cost for
    Monthly premiums





  • Total Cost of
    premiums for
    the plan year,
    July 1 - June 30




  • Coverage areas




  • Deductible(s)








  • Out-of-pocket
    limits







  • Covered
    Providers

  • Referrals for
    Specialty care
      
  • Preventative care
    (screenings,
    Immunizations, etc.)





     
  • Medical office
    visit costs









  • Diagnostic tests
    (bloodworK,
    X-RAYS, etc.)           




  • imaging
    (CT/PET Scans, MRI)





  • Prescription
    drug coveragE 
    for Generic Drugs
    (Tier 1)
















  • Prescription
    drug coverage for
    PReferred-Brand
    Drugs (Tier 2)














  • Prescription
    drug coverage for
    Non-preferred
    Brand drugs
    (Tier 3)
















  • Prescription
    drug coverage for
    Specialty Oral &
    Injectable drugs
    (Tier 4)








  • Outpatient
    surgery
    Facility fees







  • OUTPATIENT
    SURGERY
    Physician &
    Surgeon fees





      
  • Emergency Care





















  • Urgent care








     
  • Hospital stays: 
    Facility FeeS 







  • HOspital Stays:
    Physician or
    SurgeoN Fees





      
  • Mental or
    behavioral
    health and
    substance
    abuse coverage











  • PregnancY:  
    Office Visits







      
  • prEGNANCY:
    dELIVERY
    prOFESSIONAl
    sERVICES




     

  • pregnancy:
    dELIVERY
    fACILITY
    sERVICES






  • home health care








     
  • REHABILITATION
    SERVICES













  • Habilitation
    ServiCes









  • Skilled Nursing
    Care








  • Durable MedicaL
    Equipment










  • Hospice services







     
  • Child eye care
















  •  CHILD DENTAL







  • Uncovered
    services






















  •  

     

     

    CU Health Plan - Exclusive

    • Faculty
      University Staff
      Classified Staff
      Non-Medicare-eligible retirees
      Non-Medicare-eligible
      Surviving spouses
    • Health Maintenance Organization (HMO)
    • Anthem Blue Cross Blue Shield
    • Employee: $59.50

      Employee + Spouse: $198.50

      Employee + Child(ren): $125.50

      Family: $255.00
    • Employee: $714.00

      Employee + Spouse: $2,382.00

      Employee + Child(ren): $1,506.00

      Family (3+): $3,060.00
    • Colorado

      Out-of-state dependent coverage may be available.

    • Individual: $250




      Family: $750



    • Individual:

      $8,700


      Family:

      $17,400

    • Visit Anthem's microsite,
      or call 1-800-735-6072.

    • Primary Care Physicans
      are required, and
      should direct your care 
    • In network:

      $0 per visit,
      deductible does not apply

      Out of network:

      Not covered
          
    • In network:

      $30 per visit for primary care
      $40 per visit for specialists



      Out of network:

      Not covered

    • In network:
      $0 per visit
      after deductible is met


      Out of network:
      Not covered
    • In network:
      $0 per visit
      after deductible is met

      Out of network:
      Not covered

    • In network:

      CVS Retail Pharmacies:
      $15 for up to a 30-day supply



      UCHealth Retail:
      $13 for up to a 30-day supply
      $26 for up to a 90-day supply

      UCH Mail Order:
      $26 for up to a 90-day supply


      Out of network:

      Not covered


    • In network:

      CVS Retail Pharmacies:
      $35 for up to a 30-day supply


      UCHealth Retail:
      $30 for up to a 30-day supply
      $60 for up t  a 90-day supply 

      UCH Mail Order:
      $60 for up to a 90-day supply


      Out of network:

      Not covered

    • In network:

      CVS Retail Pharmacies:
      $50 for up to a 30-day supply




      UCHealth Retail:
      $50 for up to a 30-day supply
      $100 for up to a 90-day supply 


      UCH Mail Order:
      $100 for up to a 90-day supply


      Out of network:

      Not covered

    • In network:

      CVS Retail Pharmacies, UCHealth Retail and
      UCH Mail Order:
      $75 for up to a 30-day supply



      Out of network:

      Not covered

    • In network:

      $0 after deductible is met



      Out of network:

      Not covered 

    • In network:

      No charge

       

      Out of network:

      Not covered 
       
    • In network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      $0 after deductible is met



      Out of network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      $0 after deductible is met

    • In network:

      $30 per visit
      deductible does not apply 


      Out of network:

      $30 per visit
      deductible does not apply 
    • In network:

      $0 after deductible is met


      Out of network:

      Not covered

    • In network:

      Fully covered, no charge


      Out of network:

      Not covered 

    • In network:

      Outpatient:
      $30 per office visit,
      deductible does not apply

      Inpatient:
      $0 after deductible is met




      Out of network:

      Not covered

    • In network:

      $15 copayment
      for first prenatal care office visit, deductible does not apply

      Out of network:

      Not covered

    •  In network:

      Fully covered, no charge 



      Out of network:

      Not covered

    • In network:

      $0 after deductible is met



      Out of network:

      Not covered
       
    • In network:

      $0 after deductible is met



          Out of network:

      Not covered

    • In network:

      Inpatient: $0


      Outpatient:

      $30 per visit,
      deductible does not apply


      Out of network:

      Not covered

    • In network:

      Outpatient:
      $30 per visit,
      deductible does not apply


      Out of network:

      Not covered

    • In network:

      $0 after deductible is met



      Out of network:

      Not covered

    •  In network:

      20% coinsurance
      not subject to deductible for prosthetic appliances;
      $0 after deductible for all other durable medical equipment (100% covered)

      Out of network:

      Not covered
    • In network:

      $0 after deductible is met


      Out of network:

      Not covered

    • In network:

      Eye exam:
      $20 per visit (exam only,
      deductible does not apply)

      Glasses:
      Not covered


      Out of network:

      Eye exam:
      $35 maximum reimbursement

      Glasses:
      Not covered
    • In network:

      Not covered 
       

      Out of network:

      Not covered 
    • Abortion (except in cases of rape, incest, or when the life of the mother is endangered)

      Adult dental care

      Cosmetic surgery

      Long-term care

      Non-emergency care
      when traveling outside
      the United States

      Private-duty nursing

      Weight-loss programs







  •  

     

     

    CU Health Plan - High Deductible

    • Faculty
      University Staff
      Classified Staff
      Non-Medicare-eligible retirees Non-Medicare-eligible
      Surviving spouses
    • Preferred Provider
      Organization (PPO)
    • Anthem Blue Cross Blue Shield
    • Employee: $0

      Employee + Spouse: $27.00

      Employee + Child(ren): $24.00

      Family: $39.00
    • Employee: $0

      Employee + Spouse: $324.00

      Employee + Child(ren):
      $288.00

      Family (3+): $468.00 
    • Colorado and nationwide




    • Individual:

      In network: $1,500
      Out of network: $3,000

      Family:

      In network: $3,000
      Out of network: $6,000
    • Individual:

      In network: $3,000
      Out of network: $6,000

      Family:

      In network: $6,000
      Out of network: $12,000
    • Visit Anthem's microsite,
      or call 1-800-735-6072.

    • No referral required 


    • In network:

      $0 per visit


      Out of network:

       35% coinsurance after deductible is met
    • In network:

      15% coinsurance after deductible is met for primary care or specialist visits


      Out of network:

      35% coinsurance after deductible is met
    • In network:
      15% coinsurance after deductible is met

      Out of network:
      35% coinsurance after deductible is met
    • In network:
      15% coinsurance after deductible is met

      Out of network:
      35% coinsurance after deductible is met
    • In network:

      CVS Retail Pharmacies:
      20% coinsurance after deductible for up to
      a 30-day supply

      UCHealth Retail or
      UCH Mail Order:
      20% coinsurance after deductible for up to
      a 90-day supply



      Out of network:

      20% coinsurance after deductible for up to
      a 30-day supply
    • In network:

      CVS Retail Pharmacies:
      20% coinsurance after deductible for up to
      a 30-day supply

      UCHealth Retail or
      UCH Mail Order:
      20% coinsurance after deductible for up to a
      90-day supply


      Out of network:

      20% coinsurance after deductible for a 30-day supply
    • In network: 

      CVS Retail Pharmacies:
      20% coinsurance after deductible for up to
      a 30-day supply


      UCHealth Retail or 
      UCH Mail Order:
      20% coinsurance after deductible for up to a
      90-day supply




      Out of network:

      20% coinsurance after deductible for a 30-day supply
    • In network:

      CVS Retail Pharmacies, UCHealth Retail & Mail Order:
      20% coinsurance after deductible for up to
      a 30-day supply


      Out of network:

      20% coinsurance after deductible for a 30-day supply
    • In network:

      15% coinsurance after deductible is met


      Out of network:

      35% coinsurance after deductible is met
    • In network:

      15% coinsurance
      after deductible is met


      Out of network:

      35% coinsurance after deductible is met  
    • In network:

      Emergency room care:
      15% coinsurance after deductible is met

      Emergency medical transportation:
      15% coinsurance after deductible is met


      Out of network:

      Emergency room care: 
      15% coinsurance after deductible is met

      Emergency medical transportation: 
      15% coinsurance after deductible is met
    • In network:

      15% coinsurance after deductible is met 


      Out of network:
       
      35% coinsurance after deductible is met 
    • In network:

      15% coinsurance after deductible is met

      Out of network:

      35% coinsurance after deductible is met
    •  In network:

      15% coinsurance after deductible is met

      Out of network:

      35% coinsurance after you've met your deductible
    • In network:

      Outpatient:
      15% coinsurance after deductible is met

      Inpatient:
      15% coinsurance after deductible is met



      Out of network:

      35% coinsurance after    deductible is met
    • In network:

      15% coinsurance after deductible is met


      Out of network:

      35% coinsurance after deductible is met
    • In network:

      15% coinsurance after deductible is met


      Out of network:

      35% coinsurance after deductible is met  
    • In network:

      15% coinsurance after deductible is met


      Out of network:

      35% coinsurance after deductible is met
    • In network:

      15% coinsurance after deductible is met


      Out of network:

      35% coinsurance after deductible is met
    • In network:

      15% coinsurance
      after deductible is met







      Out of network:

      35% coinsurance after deductible is met 
    • In network:

      15% coinsurance
      after deductible is met



      Out of network:

      35% coinsurance after deductible is met  
    • In network:

      15% coinsurance
      after deductible is met


      Out of network:

      35% coinsurance
      after deductible is met  
    • In network:

      15% coinsurance after deductible is met





      Out of network:

      Not covered
    • In network:

      15% coinsurance after deductible is met

      Out of network:

      35% coinsurance after deductible is met
    • In network:

      Not covered







      Out of network:

      Not covered



       
    • In network:

      Not covered


      Out of network:

      Not covered 
    • Abortion (except in cases of rape, incest, or when the life of the mother is endangered)

      Adult dental care

      Cosmetic surgery

      Long-term care

      Private-duty nursing

      Routine foot care, unless
      you have been diagnosed
      with diabetes

      Routine vision exam  

      Weight-loss programs

       



  •  

     

     

    CU Health Plan - Extended

    • Faculty
      University Staff
      Classified Staff



    • Preferred Provider
      Organization (PPO)
    • Anthem Blue Cross Blue Shield
    • Employee: $123.50

      Employee + Spouse: $360.50

      Employee + Child(ren): $243.50

      Family: $461.00
    • Employee: $1,482.00

      Employee + Spouse: $4,326.00

      Employee + Child(ren): $2,922.00

      Family (3+): $5,532.00 
    • Colorado and nationwide




    • Individual: $750




      Family: $1,500



    • Individual:

      $8,700


      Family:

      $17,400

    • Visit Anthem's microsite,
      or call 1-800-735-6072. Must use Anthem providers.
    • No referral required

       
    • In network:

      $0 per visit,
      deductible does not apply

      Out of network:

      Not covered 

    • In network:

      $40 per visit for primary care
      $50 per visit for specialists



      Out of network:

      Not covered

    • In network:
      10% coinsurance after deductible is met

      Out of network:
      10% coinsurance after deductible is met
    • In network:
      10% coinsurance after deductible is met

      Out of network:
      10% coinsurance after deductible is met
    • In network:

      CVS Retail Pharmacies:
      $15 for up to a 30-day supply

      UCHealth Retail:
      $15 for up to a 30-day supply 

      UCH Mail Order:
      $30 for up to a 90-day supply





      Out of network:

      Not covered


    • In network:

      CVS Retail Pharmacies:
      $35 for a 30-day supply

      UCHealth Retail:
      $35 for a 30-day supply

      UCH Mail Order:
      $70 for a 90-day supply




      Out of network:

      Not covered
       
    • In network:

      CVS Retail Pharmacies:
      $50 for a 30-day supply




      UCHealth Retail:
      $50 for a 30-day supply

      UCH Mail Order:
      $100 for a 90-day supply




      Out of network:

      Not covered

    • In network:

      CVS Retail Pharmacies, UCHealth Retail and UCH Mail Order: $75 for up to
      a 30-day supply



      Out of network:

      Not covered

    • In network:

      10% coinsurance after deductible is met


      Out of network:

      Not covered

    • In network:

      10% coinsurance
      after deductible is met


      Out of network:

      Not covered 

    • In network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      10% coinsurance after you've met your deductible


      Out of network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      10% coinsurance after deductible is met
    • In network:

      $40 per visit
      deductible does not apply 


       Out of network:

      $40 per visit
      deductible does not apply 
    • In network:

      10% coinsurance after deductible is met

      Out of network:

      Not covered

    •  In network:

      10% coinsurance after deductible is met

      Out of network:

      Not covered

    • In network:

      Outpatient:
      $40 per office visit


      Inpatient:
      10% coinsurance after deductible is met



      Out of network:

      Not covered 

    • In network:

      $25 copayment
      for first prenatal care office visit,
      deductible does not apply

      Out of network:

      Not covered

    • In network:

      10% coinsurance after deductible is met


      Out of network:

      Not covered 

    •  In network:

      10% coinsurance after deductible is met


      Out of network:

      Not covered

    • In network:

      10% coinsurance after deductible is met


      Out of network:

      Not covered

    • In network:

      Outpatient:

      $40 per visit,
      deductible does not apply


       


      Out of network:

      Not covered
       
    • In network:  

      Outpatient:
      $40 per visit,
      deductible does not apply


      Out of network:
      Not covered


    • In network:

      10% coinsurance
      after deductible is met 


      Out of network:

      Not covered 

    • In network:

      10% coinsurance
      after deductible is met





      Out of network:

      Not covered  
    • In network:

      10% coinsurance after deductible is met

      Out of network:

      Not covered  

    • In network:

      Not covered







      Out of network:

      Not covered




    • In network:

      Not covered


      Out of network:

      Not covered 
    • Abortion (except in cases of rape, incest, or when the life of the mother is endangered)

      Cosmetic surgery

      Dental check-ups 

      Long-term care

      Private-duty nursing

      Routine foot care, unless
      you have been diagnosed
      with diabetes

      Routine vision exam

      Weight-loss programs





  •  

     

     

    CU Health Plan - Kaiser

    • Faculty
      University Staff
      Classified Staff
      Non-Medicare-eligible retirees
      Non-Medicare-eligible
      Surviving spouses
    • Exclusive Provider
      Organization (EPO)
    • Kaiser Permanente
    • Employee: $124.50

      Employee + Spouse: $335.50

      Employee + Child(ren): $230.50

      Family: $444.50
    • Employee: $1,494.00

      Employee + Spouse: $4,026.00

      Employee + Child(ren): $2,766.00

      Family: $5,334.00
    • Colorado

      Out-of-state dependent coverage may be available.

    • $0, no deductibles








    • Individual:

      $8,700


      Family:

      $17,400

    • Visit Kaiser's microsite or
      call 1-866-213-3062.

    • Referral required, but you can self-refer to certain specialists
       
    • In network:

      $0 per visit


      Out of network:

      Not covered 
       
    • In network:

      $30 per visit for primary care
      $40 per visist for specialists



      Out of network:

      Not covered

    • In network:
      $0 per visit


      Out of network:
      Not covered

    • In network:
      $100 per scan


      Out of network:
      Not covered

    • In network:

      Retail:
      $15 for a 30-day supply


      Mail Order:
      $30 for a 90-day supply







      Out of network:

      Not covered


    • In network:

      Retail:
      $35 for a 30-day supply


      Mail Order:
      $70 for a 90-day supply






      Out of network:

      Not covered

    • In network:

      Not covered














      Out of network:

      Not covered

    • In network:

      20% coinsurance
      up to $75 per prescription





      Out of network:

      20% coinsurance up to
      $75 per prescription
    • In network:

      $250 per procedure



      Out of network:

      Not covered

    • In network:

      Included in facility fee



      Out of network:

      Not covered
       
    • In network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      $0 per trip



      Out of network:

      Emergency room care:
      $250 per visit
      (waived if admitted)

      Emergency medical transportation:
      $0 per trip

    •  In network:

      $30 per visit



      Out of network:

      $30 per visit

    • In network:

      $250 copay per day ($1,000 maximum per admission)

      Out of network:

      Not covered

    • In network:

      Included in facility fee
       

      Out of network:

      Not covered 

    • In network:

      Outpatient:
      $30 per visit



      Inpatient:
      $250 copayment per day ($1,000 max. per admission)


      Out of network:

      Not covered

    • In network:

      $0 - fully covered



      Out of network:

      Not covered

    • In network:

      Included in facility fee



      Out of network:

      Not covered
       
    • In network:

      $250 copayment per day ($1,000 maximum per admission)

      Out of network:

      Not covered 

    • In network:

      $0 per visit - fully covered



      Out of network:

      Not covered

    •  In network:

      $30 per visit

       






      Out of network:

      Not covered
       
    • In network:

      $30 per visit




      Out of network:

      Not covered

    •  In network:

      $0 per day



      Out of network:

      Not covered

    •  In network:

      $0 per day






      Out of network:

      Not covered
    • In network:

      $0 per visit


      Out of network:

      Not covered 

    • In network:

      Eye exam:
      $30 for an optometrist
      $40 for an opthalmologist

      Glasses:
      Not covered


      Out of network:

      Not covered 




    •  In network:

      Not covered


      Out of network:

      Not covered
    • Adult hearing aids

      Children's glasses

      Cosmetic surgery

      Dental care

      Long-term care

      Non-emergency care outside the United States

      Non-preferred brand drugs

      Private-duty nursing

      Weight-loss programs (unless in conjunction with approved bariatric surgery plan)