CU Health Plan-Exclusive Details

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• CU Health Plan-Exclusive Website for GME Trainees
• Summary of Benefits & Coverage (SBC)
• ​Resident Premium Rates​​​

Refer to the CU Health Plan-Exclusive Benefits Booklet ​​​​​ for details of the plan. It is the resident's responsibility to know the terms of coverage.​

In-Network Providers & Where to go for Care

• In-Network Medical Provider Directory​​​
• Find mental health providers (search for Behavioral Health Only)
• Mental/Behavioral Health Resources for Residents

Useful Links

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• Changes to your Benefits
• ​Update your address with the GME Benefits Office​
• Plan Contact Information​

Please contact Employee Services at 303-860-4200, option 3 or benefits@cu.edu for assistance with this plan.

Disclaimers

This plan does REQUIRE a PCP selection. If you do not select a PCP at the time of enrollment, one is automatically assigned to you. You can change this at any time.  

Residents are not allowed to provide treatment or prescribe medication that is self prescribed, prescribed by one resident for another, prescribed by resident for a family member, or prescribed by resident for a family member of another resident. ​​

CU GME Trainees have the option of electing the CU Health Plan – Essential Dental. See plan details here.

Please contact Employee Services at 303-860-4200, option 3 or benefits@cu.edu for assistance with this plan.

CU GME Trainees have the option of electing the Anthem Blue View Vision Plan.  See plan details here.

Dependent Care Flexible Spending Account (DCFSA)

• Allows pre-tax deduction from your stipend, for you to use to pay for eligible day care expenses for your federal tax dependents so you, (and your spouse, if you are married) can work, look for work or attend school full-time.
• This contribution IS NOT for your dependent spouse’s or children’s healthcare expenses. 

Health Care Flexible Spending Account (HCFSA) 

• Allows pre-tax deduction from your stipend for you to use to pay for certain eligible out-of-pocket medical, dental and vision expenses not covered or reimbursed by your insurance and incurred by you or your federal tax dependent(s).

How to use your plan

• Carefully review the DCFSA and HCFSA information​​​​ for instructions on how to use your flexible spending account or submit a claim for reimbursement.
• Contact Employee Services at 303-860-4200 or benefits@cu.edu with questions about these plans and how to enroll. 
• See the How to Enroll tutorial for help enrolling in benefits.

Enrollment Guidelines

• You have 31 days from your official hire date or date of your Qualifying Life Change to enroll. If you fail to enroll within the deadline, you will not be able to enroll until the next Open Enrollment, which occurs every spring with an effective date of July 1.
• Participation in the DCFSA and HCFSA IS NOT automatic. You must re-enroll during each open enrollment to begin or continue deductions. Enrollment is IRREVOCABLE. 

Please contact Employee Services at 303-860-4200, option 3 or benefits@cu.edu for assistance with these plans.

NOTE: This is not an Employee Services document. If there are any discrepancies between this document and Employee Services policies and procedures, the relevant plan documents, Employee Services policies and procedures, and any applicable federal and state laws will govern. 

As a Resident or Fellow in a CU GME training program, you may choose to participate in the CU 403(b), PERA 401(K) and/or the PERA 457 Voluntary Retirement Savings Plans​.

About these plans:

• ​​Reduce current taxable income by the amount of your contributions.
• Accumulate money for retirement.​
• Pay no income taxes on contributions made or interest earned until money is withdrawn from the investment plan.
• Begin participation or change contributions anytime throughout the year (no mandatory open enrollment period).
• ​​No “employer” match is available to the Resident or Fellow with these Voluntary Savings Plans.​

Review information about Voluntary Retirement Savings Plans here.  

Please contact Employee Services at 303-860-4200, option 3 or benefits@cu.edu for assistance with these plans.

Eligible residents and fellows have group term life insurance. No proof of good health is required. You must however, complete the Life Insurance Beneficiary Designation Form and list your beneficiary(ies). This policy is for the resident or fellow only and is not available for other family members. The policy has no cash value.

Coverage Highlights

• $50,000 term life insurance
• Additional $50,000 for accidental death or dismemberment 
• Accelerated benefits if diagnosed with terminal illness and meet eligibility requirements
• Coverage terminates on the last day of your training
• Review Coverage Details - Certificate of Life Insurance

Beneficiaries

The carrier will make payment to the most recently named beneficiary if you die while insured under this coverage. The beneficiary is the person you named on the Life Insurance Beneficiary Designation Form. Definitions and instructions regarding beneficiaries are on the Life Insurance Beneficiary Designation form.

To Change Beneficiaries:

Complete and print the Life Insurance Beneficiary Designation Form​​. After you complete the form, return it to Joe LaFond, GME Benefits Coordinator, using one of these methods: 

• Scan and email it to Debra.J.Johnson@cuanschutz.edu​​
• Fax to Attention:  Benefits at 303-724-6034. 
• Mail to: 
  Graduate Medical Education
  13001 East 17th Place, Mail Stop C293
  Fitzsimons Bldg, Rm N4223  
  Aurora, CO 80045

Accelerated Benefits

The Accelerated Benefit allows you to receive an early payout of a portion of your group life insurance benefit if you are diagnosed with a terminal illness and meet eligibility requirements.

Accidental Death and Dismemberment Insurance (AD&D)

In addition to basic life insurance coverage, this policy provides you with $50,000 in Accidental Death and Dismemberment (AD&D) coverage. Accidental death benefits are payable to your named beneficiary if you die from an accidental bodily injury while insured under this coverage. Accidental dismemberment benefits may be payable if you suffer a covered dismemberment. The AD&D coverage may also help protect against certain financial losses resulting from a variety of accidents. ​

Extra Features of this plan

• As a participant in this group life insurance, you also have Travel Assistance
• Standard Life Services Toolkit
  
  

Conversion and Portability Information for Exiting Residents

• Frequently Asked Questions
• Conversion Application
• Portability Application

Exiting Residents may have options for conversion or portability of your current group life insurance within 31 days of exit through Standard Insurance Company. 

Contact Standard Insurance Company Continued Benefits at 1-800-378-4668 with questions. 

Group Coverage Highlights

• Resident pays no premium for this coverage while in training.
• Plan is offered by the Standard Insurance Company, AM Best A rated company.
• Monthly disability benefits payable beginning the 91st day of disability.
• Benefit period to age 65.
• Monthly benefit levels:
             PGY I & II $3,000
             PGY III & IV $3,500
             PGY V & above $4,000
• Group-to-individual conversion policy offered to residents completing their CU GME training program.

Review the CU GME Prospective Resident Benefits Summary

As you leave your GME training program, you are required to complete the exit procedure. This applies to everyone, including residents who will become faculty.

Review the GME Exit Process, including information about benefits.

What to do and where to go 

Seek Medical Treatment

• Residents who experience a work-related injury, needle-stick or body fluid exposure (BFE) should seek immediate medical attention.
  • If it is an emergency, go to the Emergency Room of the hospital where the work-related injury occurs.
• Please find site specific guidance at www.cu.edu/risk/incident-procedure under the “University of Colorado at Denver | Anschutz Medical Campus” tab.
  • If your location is not listed, go to the nearest emergency room or facility that can perform a blood draw.  
• Additional information is posted on the University Risk Management website, www.cu.edu/risk/workers-compensation.

University of Colorado Hospital 

• Go to the Infectious Disease Clinic at Anschutz Outpatient Pavilion, 1637 Aurora Court, 7th floor, 8:00 a.m. – 4:00 p.m. Monday through Friday. 
• Go to the Emergency Department, Anschutz Inpatient Pavilion at all other times.

Denver Health Medical Center (DHMC) 

• The Occupational Health and Safety Center (605 Bannock St., Pavilion H, 4th Floor) is available 8:00 a.m. - 3:30 p.m. Monday through Friday.
• Go to the Emergency Room at all other times.

Other Facilities 

• For other facilities or rotations, refer to their internal information and/or supervising staff regarding where to seek immediate medical attention.​

Who to Contact about Work-Related Injuries & Exposures

• Report work-related injuries to University Risk Management, and follow their protocol.
• Direct any workers’ compensation questions to University Risk Management (303) 860-5682 or (888) 812-9601 or riskmgmt@cu.edu.
• University Risk Management, not your health insurance, is responsible for payment of services related to a compensable, work-related injury, needle-stick, or body fluid exposure.

Claims & Bills

• You must file an online Employee Injury Report Form or Needlestick or Body Fluid Exposure Report Form within 4 days of the injury or exposure.
  • Go to the University Risk Management website, www.cu.edu/risk/incident-procedure​, to complete and submit the claim form. 
• Failure to file this form timely may result in penalties to you, including financial responsibility for treatment.
• Workers' Compensation coverage pays for reasonable and necessary medical expenses from designated providers with no co-pays or deductibles for compensable claims.
  • It also may​ preserve the resident's rights in the event the injury requires recovery time off work, future treatment, etc.

Send bills from authorized medical providers for a work-related occurrence to:

University Risk Management
1800 Grant St., Suite 700
Denver, CO 80203
Phone: 303-860-5682
Fax: 303-860-5680
Email: riskmgmt@cu.edu

Vacation

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

Leave of Absence

• Family Medical Leave (FMLA). Residents are eligible for up to 12 weeks of FMLA during a 12-month period for their own health condition or to care for a family member’s serious health condition.

Read the full GME leave policy.

Contact GME Benefits Manager, Debra Johnson, for assistance.

Phone: 303-724-6024     
Email: Debra.J.Johnson@cuanschutz.edu    

What to do and where to go 

Seek Medical Treatment

• Residents who experience a work-related injury, needle-stick or body fluid exposure (BFE) should seek immediate medical attention.
  • If it is an emergency, go to the Emergency Room of the hospital where the work-related injury occurs.
• Please find site specific guidance at www.cu.edu/risk/incident-procedure under the “University of Colorado at Denver | Anschutz Medical Campus” tab.
  • If your location is not listed, go to the nearest emergency room or facility that can perform a blood draw.  
• Additional information is posted on the University Risk Management website, www.cu.edu/risk/workers-compensation.

University of Colorado Hospital 

• Go to the Infectious Disease Clinic at Anschutz Outpatient Pavilion, 1637 Aurora Court, 7th floor, 8:00 a.m. – 4:00 p.m. Monday through Friday. 
• Go to the Emergency Department, Anschutz Inpatient Pavilion at all other times.

Denver Health Medical Center (DHMC) 

• The Occupational Health and Safety Center (605 Bannock St., Pavilion H, 4th Floor) is available 8:00 a.m. - 3:30 p.m. Monday through Friday.
• Go to the Emergency Room at all other times.

Other Facilities 

• For other facilities or rotations, refer to their internal information and/or supervising staff regarding where to seek immediate medical attention.​

Who to Contact about Work-Related Injuries & Exposures

• Report work-related injuries to University Risk Management, and follow their protocol.
• Direct any workers’ compensation questions to University Risk Management (303) 860-5682 or (888) 812-9601 or riskmgmt@cu.edu.
• University Risk Management, not your health insurance, is responsible for payment of services related to a compensable, work-related injury, needle-stick, or body fluid exposure.

Claims & Bills

• You must file an online Employee Injury Report Form or Needlestick or Body Fluid Exposure Report Form within 4 days of the injury or exposure.
  • Go to the University Risk Management website, www.cu.edu/risk/incident-procedure​, to complete and submit the claim form. 
• Failure to file this form timely may result in penalties to you, including financial responsibility for treatment.
• Workers' Compensation coverage pays for reasonable and necessary medical expenses from designated providers with no co-pays or deductibles for compensable claims.
  • It also may​ preserve the resident's rights in the event the injury requires recovery time off work, future treatment, etc.

Send bills from authorized medical providers for a work-related occurrence to:

University Risk Management
1800 Grant St., Suite 700
Denver, CO 80203
Phone: 303-860-5682
Fax: 303-860-5680
Email: riskmgmt@cu.edu

Residents and fellows can take part in the free personal financial consultations with a financial professional from TIAA, the University's retirement plan service provider. Employee Services also offers customizable group talks​ on financial education.  

Self-Guided Resources: 

• AMA Resident Budget
• AMA Resident Financial Misconceptions
• AAMC Student Loan Repayment Tutorials
• AAMC Financial Wellness Program

Explore mental and physical wellness benefits available for GME Trainees. 

You can also check out Wellness Programs for members of the CU Health Plan-Exclusive. 

CU Human Resources is launching a new family care subscription program for CU Anschutz Medical Campus faculty, staff, and residents/fellows. Through a partnership with Care@Work by Care.com, CU Human Resources is providing premium Care.com subscription memberships to all CU Anschutz Medical Campus employees (including residents/fellows). 

Membership to the Care.com search services will include:

Care.com Membership: Premium, unlimited access to Care.com to post a job or search for caregivers including childcare providers, tutors, virtual care and learning support, pod teachers, nannies, nanny shares, senior caregivers, pet walkers and sitters, house cleaners and more.  

Tuition Discounts: Discounts on full-time or part-time tuition available at participating childcare centers.

Backup Care for Children & Adults: Access to in-home or in-center vetted and subsidized care when regular, planned care is not available due to COVID-19-related circumstances. (Examples include daycare or school closures due to COVID-19, before -or after-school care closures due to COVID-19, adult care facility closures due to COVID-19, and related reasons.)

• Eligible employees may use up to 10 care days per year of backup care for either child or adult care.
• Backup care co-pays will be as follows:
  • $6/hour for in-home childcare or adult care
  • $20/day for in-center childcare

Importantly, residents/fellows will go through this website in order to check eligibility and enroll in CU Anschutz subscription and backup care benefits.  Going directly to the public Care.com website will not take you to the required enrollment questions and process.

Questions?
Faculty and staff eligibility questions: hr.familysupportprogram@cuanschutz.edu

Program benefits and enrollment questions: careteam@care.com

The Care@Work program will be in place through the end of the summer, 2021.