Faculty & Professional Administrative Staff
2024 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 - 2024 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 - 2024 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 - 2024 Summary of Benefits and Coverage**
To see a side-by-side comparison of the three plans, visit the CHEIBA 2024 Multi-Option Summary.
- 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.
- 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
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 - 2024 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 2024 CHEIBA Benefits Guide.
Anthem Blue View Vision - 2024 Summary of Benefits and Coverage
- Anthem Insurance Cards
New insurance cards were issued in 2024 due to the 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.
Upcoming Events
**None at this time
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.
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.
- Enroll/Continue enrollment in a Flexible Spending Account (FSA).
- The 2024 limit is $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.
- 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 is $4,150 for employee-only contributions and $8,300 for family contributions. 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.
- 2024 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 AIG. 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 AIG 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 or kforehand@financialguide.comAssistant: Dianna Walter
(303) 300-4300 or dwalter@financialguide.comMetlife has 51 annuity investment options through the Metlife Financial Freedom Select platform.
www.metlife.comTIAA
Representative: Ivana Stanisic
(303) 362 - 4262 or istanisic@tiaa.orgTIAA offers 20 mutual fund and annuity options.
Enrollment online is available at www.tiaa.org/uncoCorebridge (Previously Valic with AIG)
Representative: Lindsay Batezel,
(970) 699-2849 or Lindsay.batezel@corebridgefinancial.comCorebridge has been helping people plan for retirement since 1955. Their FutureFit program can help employees plan for retirement.
www.aigrs.comSupplemental 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 2024 maximum for 401k, 403b, and most 457 plans is $23,000 and the 2024 catch-up contribution maximum for those 50 and older is $7,500.
List of Vendors:
- Colorado PERA - Supplemental Plans available regardless of PERA pension eligibility.
- PERA 457 Plan - Registration completed online, contact Kylee Legino (kylee.legino@unco.edu) for additional information.
- PERA 401k Plan
- 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
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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.
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- Colorado PERA - Supplemental Plans available regardless of PERA pension eligibility.
- 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 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.
