Jump to main content

Human Resources

Benefits 2025

Faculty & Professional Administrative Staff

Upcoming Retirement Vendor Campus Visits

  • Corebridge -- Register here to meet with our Corebridge Financial Advisors, Lalani Jensen and Craig Fischer. 
    • Thursday, May 8  |  12:00pm-5:00pm  |  Carter 1001  
  • TIAA - Register here to meet with our TIAA Financial Consultant, Brandon Dyson.
    • Tuesday, June 3  |  8:00am-5:00pm  |  Carter 1005
    • Wednesday, June 4  |  8:00am-5:00pm  |  Carter 1001

Upcoming Webinars & Workshops

  • Corebridge - Click here to register for a workshop hosted by our Corebridge Financial Advisors, Lalani Jensen and Craig Fischer.
  • TIAA - Click here to register for an upcoming webinar and have access to previous recorded webinars.

Updates for 2025

  • 2025 Rates: Medical insurance costs increased 5.9%. UNC generously decided to cover the cost of the increase for the third year in a row. Employee premiums in 2025 remained the same as 2024 except for dental premiums which saw a slight increase.
  • There were no plan design changes (i.e. deductibles, out of pocket maximums, copays, etc. remained the same as 2024).
  • Virtual Back and Joint Pain program
    • Anthem introduced a six-week program including exercises and a personal health coach to provide support for those living with back or joint pain. More information is available in our 2025 CHEIBA Benefit Guide.

Anthem 2025 Open Enrollment Presentation

2025 Benefits

  • Leave Programs

    For specific information about UNC's leave benefits, please visit our Leave Program page. 

  • Three Medical Plans
    • The Blue Advantage HMO/POS is an HMO (Health Maintenace Organization) plan within the state of Colorado and acts as a POS (Point of Service) plan outside of Colorado. The plan contains a $500 individual/$1,000 family deductible for facility services only (excluding Emergency Room and Urgent Care visits). The out-of-pocket maximum is $3,500 individual/$7,000 family. This plan primarily consists of co-pays for in-network providers.
      **Click to view the Blue Advantage HMO/POS - 2025 Summary of Benefits and Coverage **
    • The PRIME Blue Priority PPO contains a $600 individual/$1,200 family deductible with a $3,500 individual/$7,000 family out-of-pocket maximum. Once the deductible is met, coinsurance is 15% for covered services.
      **Click to view the PRIME Blue Priority PPO - 2025 Summary of Benefits and Coverage**
    • The 2500 High Deductible Health Plan contains a $2,500 individual/$5,000 family deductible with a $3,500 individual/$7,000 family out-of-pocket maximum. Once the deductible is met, coinsurance is 15% for covered services. This is the only medical plan compatible with UNC’s Health Savings Account.
      **Click to view the 2500 HDHP - 2025 Summary of Benefits and Coverage** 

    To see a side-by-side comparison of the three plans, visit the CHEIBA 2025 Multi-Option Summary. 

  • Prescription Drug Coverage

    Prescription drug coverage has five tiers:

    • Tier 1: Generic
    • Tier 2: Preferred Brand
    • Tier 3: Non-Preferred Brand
    • Tier 4: Specialty Preferred
    • Tier 5: Specialty Non-Preferred

    Anthem PreventativeRx List

    To help determine your cost for your prescriptions, you can view your Essential Formulary via BeneCenter or Anthem's website.

  • Dental Plan 
    • To find in-network providers on anthem.com, please search under the “Dental Complete” network.
    • Employees must be enrolled in at least self-only coverage if enrolled in a medical plan.
    • In-network deductible is $0 individual/$0 family.
    • Cleanings for adults will be limited to the industry standard of two per year with exceptions for those who are pregnant or have specific medical conditions.

    Anthem Dental Essential Choice PPO - 2025 Summary of Benefits and Coverage

  • Vision Plan
    • To find in-network providers on anthem.com, please search under the “Blue View Vision” network.
    • Annual vision exams result in a $15 copay but are then covered at 100% for in-network providers every 12 months.
    • Annual allowances for materials, frames, and lenses can be found in the 2025 CHEIBA Benefits Guide.

    Anthem Blue View Vision - 2025 Summary of Benefits and Coverage

  • Anthem Insurance Cards

    New insurance cards were not issued in 2025 due to no changes in deductibles and out-of-pocket maximums. Insurance cards are provided to each member and their dependents. Your insurance card will contain your medical, pharmaceutical, dental, and vision information. You can use your member ID found on your insurance card to create an account on Anthem.com or to download Anthem’s app, Sydney. By having an account, you will be able to easily access your digital insurance card, view claims, keep track of spending, look up providers, and have access to various resources.

  • Wellness Program

    Anthem’s Wellness Reward Program allows members and their legal spouses enrolled in one of UNC’s medical plans to earn wellness incentives of up to $225 a plan year by completing specific wellness activities. To learn more about accessing these rewards, please review Anthem's Wellness Reward Guide.

  • Infertility Coverage

    In 2023, an addition to your medical plan was diagnosis and treatment of infertility coverage as a result of the passing of Colorado House Bill 22-1008.  Limitations apply. Please review the summaries of benefits & coverages in BeneCenter for additional information.

    For more information, please visit HB22-1008. 

BENECENTER

Additional information (including videos, summaries of benefits and coverages, and health resources) can be found at BeneCenter [username: cheiba | password: uncolorado].  

Enrollment Process

Maxwell Health is our online platform that allows you to quickly shop for benefits, set up profile information, and designate your beneficiaries for your life insurance plans with UNC.  Profile information and beneficiary information may be updated at any time throughout the plan year. However, should you experience a qualifying life event, please contact Kylee Legino at kylee.legino@unco.edu as soon as possible to have your portal opened for changes. Most qualifying event windows are 31 days from the date of the event to make changes. If the window is missed, the next opportunity to update your elections is during Open Enrollment in November.

MAXWELL HEALTH

 

2025 Benefits Guide

2025 benefits guide icon

Enrollment Specifics

  • Open Enrollment

    Outside of a qualifying life event--such as marriage, birth, dependent age off, etc.--Open Enrollment (which typically runs for three weeks in November) allows you to make changes to your plan that you otherwise are unable to make during a plan year, including the following: 

    • Change medical plan type. 
    • Switch medical/dental/vision premiums from pre-tax to post-tax (and vice versa). 
    • Enroll in ancillary coverage through SunLife: Additional Voluntary Term Life & AD&D, Hospital indemnity, Accident, and Critical Illness. 
    • Add/remove dependents. 
      • Documents required when adding dependents (enrollment completed in Maxwell Health)
        • Spouse = Copy of marriage certificate or civil union certificate + financial/utility document dated within last 60 days with both names - or - redacted previous year's tax return
        • Children = Copy of birth or adoption certificate
    • Enroll/Continue enrollment in a Flexible Spending Account (FSA).
      • The 2024 limit was $3,200 for medical FSA’s and $5,000 for dependent care FSAs. Enrollment is not passive, meaning employees must re-enroll each year to continue this benefit. Please note that medical FSA’s have a “use it or lose it” provision, allowing you to carryover up to $640 of unused money from 2024 into the 2025 plan year. All other unused funds will be forfeited if not claimed by April 15, 2025 for expenses incurred from January 1, 2024 to December 31, 2024. Dependent Care FSA’s do not have a carryover provision and the maximum your household may contribute is $5,000. The 2025 limit is $3,300 for medical FSA’s with a $660 carryover limit of unused 2025 funds into 2026. The dependent care limit is remaining at $5,000 per household in 2025.
    • Health Savings Account
      • If you are planning on enrolling in the High Deductible Health Plan, please be aware that this is compatible with UNC’s Health Savings Account through WEX Health. HSA’s are optional and you do not need to enroll if you are enrolled in the HDHP. UNC does not contribute to HSA’s and the maximum an employee can contribute in 2024 was $4,150 for employee-only contributions and $8,300 for family contributions. The 2025 individual maximum is $4,300 while the family maximium is $8,550. You must be enrolled in a family medical plan to be able to contribute up to the family maximum for your HSA. Unlike the FSA, HSA’s do not have a “use it or lose it” provision and contributions can be changed during the plan year without a qualifying event. 
    • ORP vendor change – This may only be changed during Open Enrollment by completing UNC’s retirement plan election form and returning it to kylee.legino@unco.edu via email or in-person at Carter Hall, room 2002.
  • Rate Sheet

    2025 Rate Sheet

  • Retirement Options

    Retirement contributions are mandatory at UNC and are in lieu of Social Security contributions. Employees may choose one of four retirement vendors: PERA (you must have already been in PERA for one year to enroll and are active), TIAA, MetLife, or Corebridge.  PERA is a defined benefit (pension) plan that requires employees to contribute 11% of their pay while UNC contributes 11.61%. The Optional Retirement Plan (ORP) is a defined contribution plan and is a 401(a). Employees enrolled in this plan contribute 8% of their salary to TIAA, MetLife, or Corebridge while UNC contributes 11.5%. If an employee is eligible for both PERA and the ORP, they must make a one-time election between plans. After this election is made, it cannot be reversed.

    ORP Retirement Plan Vendors

    METLIFE

    Representative: Kelly Pachelo-Forehand 
    (303) 886-8904,  kforehand@financialguide.com

    Assistant: Dianna Walter 
    (303) 300-4300, dwalter@financialguide.com 

    Metlife has 51 annuity investment options through the Metlife Financial Freedom Select platform. 
    www.metlife.com

    TIAA

    Representative: Brandon Dyson
    +1 (972) 745-9989, brandon.dyson@tiaa.org 

    TIAA offers 20 mutual fund and annuity options.
    Enrollment online is available at www.tiaa.org/unco 

    Corebridge (Previously Valic with AIG)

    Representatives: Lalani Jensen
    (303) 549-4639, lalani.jensen@corebridgefinancial.com & Craig Fischer (720) 288-2780, craig.fischer@corebridgefinancial.com 

    Corebridge has been helping people plan for retirement since 1955. Their FutureFit program can help employees plan for retirement.
    www.aigrs.com

    Supplemental Retirement Plans

    Employees may open a supplemental plan at any time of the year if they wish to contribute additional funds to retirement. Supplemental plans contain strictly employee contributions as UNC does not contribute to these plans. Contributions can be changed throughout the year by updating your salary reduction agreement and submitting it for processing to Kylee Legino (kylee.legino@unco.edu). All supplemental plans offered through UNC have traditional (pre-tax) and Roth (post-tax) options. The 2025 maximum for 401k, 403b, and most 457 plans is $23,500. For those 50-59 years of age, the catch-up contribution limit is staying at $7,500, experiencing no change from 2024. Due to the SECURE 2.0 Act, those aged 60-63 will experience an increase to $11,250 from $7,500 for catch-up contributions.

    List of Vendors:

    • Metlife
      • MetLife 403(b) Salary Reduction Agreement: Please contact MetLife's representative, Kelly Pachelo-Forehand at kforehand@financialguide.com to set up your account or change your contributions.
    • Equitable

      • Equitable 403(b) Salary Reduction Agreement: Please contact Equitable’s representative, Jamie Winger at jamie.winger@equitable.com to set up your account or change your contributions.

  • Life Insurance & Additional Benefits

    During Open Enrollment, you also have the opportunity to elect additional coverage for you and your family through SunLife. To learn more, please review SunLife’s 2025 Benefits Booklet.

    All benefitted faculty and professional administrative staff have a basic life insurance and AD&D policy. Coverage is twice your annual salary to a maximum of $500,000.  Coverage drops to $50,000 at age 67 and to $10,000 at age 70: Monthly premium is $0.14 per $1000 of coverage.

    In addition to your basic term life insurance, all benefitted faculty and professional administrative staff are enrolled in Long Term Disability coverage. This coverage provides up to 66 2/3% of your monthly salary on the 91st day of disability: The monthly premium is 8.4 cents per $100 of monthly salary. 

    Any enrollment/changes in enrollment will be submitted through the Maxwell Health portal.

North of the Norm

Contact Us

970-351-2718
1700 9th Ave
Campus Box 54
Greeley, CO 80639

Contact UNC

970-351-1890
501 20th St.
Greeley, CO 80639

Social Media

About UNC

Quicklinks

Page Last Updated: Apr 23, 2025 | Contact for this Page: Jennifer Ayers

Privacy Policy | Affirmative Action/Equal Employment Opportunity/Title IX Policy & Coordinator