Subject to enrollment and verification of eligibility, the following benefits are available to CU GME interns, residents and subspeciality fellows through University of Colorado School of Medicine Graduate Medical Education. These are the benefits for the current plan year (July 1, 2022-June 30, 2023) and are subject to change. Please refer to the GME website for the most current and/or additional information.

The first day of coverage eligibility for CU GME benefits is the first of the month coincident with or following the date referenced in the individual’s training agreement with the University of Colorado Graduate Medical Education Programs. If interim coverage prior to this first day of coverage eligibility is desired, residents may choose to purchase coverage such as continuation through previous insurance carrier (e.g. COBRA), special enrollment in another health plan for which resident may be otherwise eligible (e.g. spouse’s employer plan or insurance marketplace) or an individual interim insurance plan.

Medical Insurance
Health benefits
Prescription drug program

Dental Insurance
Preventive, basic and major dental service levels
Deductible waived for preventive services

Disability Insurance
Monthly disability benefits payable beginning the 91st day of disability
Monthly benefit amount based on PGY level and ranges from $3000 to $4000
Coverage available only to resident (no monthly premium contribution)

Life Insurance
$50,000 group term life insurance
Additional $50,000 for accidental death or dismemberment
Terminally ill accelerated benefits
Coverage available only to resident (no monthly premium contribution)

Vision
Optional vision plan is available to residents and their dependents through payroll deduction.

Flexible Spending Accounts (FSAs)
Optional participation in an FSA, an IRS Section 125 Flexible benefit plan, is available. FSAs allow pre-tax deduction from stipend to use to pay eligible out-of-pocket health care and/or dependent care expenses. For further information on Flexible Spending Accounts, contact the CU Employee Services at 303-860-4200.

Professional Liability Coverage
University of Colorado School of Medicine Graduate Medical Education residents have professional liability coverage for acts within the course and scope of their Graduate Medical Education responsibilities.

Voluntary Retirement Savings Plans
University of Colorado School of Medicine Graduate Medical Education residents are eligible to participate in an optional CU 403(b), PERA 401(k) and/or 457 voluntary retirement savings plan. For further information on Voluntary Retirement Savings Plans, contact CU Employee Services at 303-860-4200.

Injury at Work
Residents who experience a needle stick, body fluid exposure (BFE) or other injury at work should seek immediate medical attention in the Emergency Room (or designated hospital area) of the hospital where the incident occurs. For follow-up care, residents are to be seen by designated workers’ compensation providers. University Risk Management, NOT the CU Health Plan, is responsible for payment of charges related to an on-the-job injury. The resident is responsible to provide appropriate notification of incident to providers of service and University Risk Management. Additional information, provider location and injury report form are accessible at here. Contact University Risk Management at 303-860-5682 with questions.

Leave Policy
Vacation: Residents are granted a total of 4 weeks of paid vacation per post graduate year of training. This includes leaves for educational purposes. One week consists of 5 business days and 1 attached weekend.

Leave of Absence: For family and/or medical related leaves of absence, residents may be granted up to 12 weeks leave during a 12 month period. Leaves of absence are determined on a case-by-case basis.

CU GME health, dental and prescription program information, including Plan Document and Provider Directory may be found here. This is not considered a contract for benefits. Contract plan provisions prevail over any written or verbal interpretation.

The CU GME office has highlighted the policies listed below specifically for applicants applying to a residency or fellowship program.  To view a full list of CU GME and University of Colorado policies and procedures please visit the CU GME website. 

CU Background Check Policy

CU COVID-19 Vaccination Policy

GME Drug Screen Policy

GME Eligibility and Selection Policy

GME Work Environment Policy