What's New?

Medicare participants

• The university moved its annual enrollment period for Medicare plans to align more closely with national Medicare enrollment, aiming to reduce confusion for participants who previously navigated two different enrollment periods, one for CU and one for Medicare.
• Fall enrollment will include CU Health Plan - Medicare, Alternate Medicare Payment (AMP) and the CU Health Plan - Premier Dental.
• Annual Medicare enrollment will continue with a calendar year schedule going forward.

Medicare/High Deductible (over/under) plan

• For those enrolled in a Medicare/High Deductible (over/under) plan, any eligible participant who does not qualify for Medicare cannot enroll or change benefits at this time.
• Instead, the enrollee who is not Medicare eligible will still participate in the spring Open Enrollment, as CU Health Plan - High Deductible will continue with a July 1 to June 30 plan year.
• Please see enrollment information for over/under plans below.

• Deductible:
  • ​The Medicare plan will continue to have a $240 deductible. However, only medical costs will count toward the deductible.
  • Pharmacy services will have a $0 deductible.
• Out-of-pocket maximum: The total out-of-pocket maximum on the Medicare plan will continue to be $2,400 per individual, up to $7,200 for family coverage. However, the amount will be split evenly between medical and pharmacy expenses.
  • The out-of-pocket maximum for in-network medical services will be $1,200 per individual, up to $3,600 for family coverage.
  • The out-of-pocket maximum for in-network pharmacy services will be $1,200 per individual, up to $3,600 for family coverage.
• Pharmacy:
  • Pharmacy coverage will be managed by SilverScript Insurance Company, which is affiliated with CVS Caremark,
    • This is a Medicare Part D prescription drug plan with enhanced coverage offered by CU Health Plan, giving enrollees more coverage than the standard Medicare Part D plan.
    • Transitioning to SilverScript allows CU Health Plan to better control rising health care costs, benefiting the plan and our retirees by managing premium costs and out-of-pocket expenses.
  • Prior authorizations:
    • Current prior authorizations will be automatically transferred to SilverScript. If your drug requires a new prior authorization, please work with your doctor.
    • For new prescriptions filled after Jan. 1, a prior authorization may be needed.
    • During your first 90 days of coverage in the plan, you can get a transition fill at the pharmacy for most drugs requiring prior authorization.
  • Fixed prescription prices: All prescription tiers are set with fixed dollar copayments, which makes estimating drug costs more predictable.
    • You'll save when filling eligible prescriptions of more than a 30-day supply at certain pharmacy locations.
    • Certain generic medications and supplies can be filled at in-network pharmacies for $0.

• There are no dental plan design changes for CU Health Plan - Premier Dental. Benefits stay the same.
• The plan year will now run on a calendar year, from Jan. 1 to Dec. 31. With this change, your deductible and benefit amounts will reset on Jan. 1 each year.

• CU Health Plan - Medicare rates will not increase.
• CU Health Plan - Premier Dental rates will increase between $1 for single coverage, $2 for retiree and spouse, $2 for retiree/surviving spouse and children and $2.50 for family coverage.