Faculty & Professional Administrative Staff

2025 Open Enrollment is Here!

Open Enrollment for all benefit-eligible Faculty and Professional Administrative staff begins Monday, October 28 through Friday, November 15. After November 15, no other changes for the 2025 plan year can be made unless you experience a qualifying life event. 

 **Open Enrollment is passive. If no changes are necessary and you do not want to enroll/continue an FSA or HSA, please only ensure your beneficiaries are current in the Maxwell portal and profile information is correct. 

Updates for 2025

• 2025 Rates: Medical insurance costs are increasing by 5.9%. UNC has generously decided to cover the cost of the increase for the third year in a row. Employee premiums in 2025 will remain the same as 2024 except for dental premiums which are seeing a slight increase.
• There are no plan design changes (i.e. deductibles, out of pocket maximums, copays, etc. are remaining the same as 2024).
• Virtual Back and Joint Pain program
  • Anthem is introducing 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.
• 2025 Summaries of Benefits & Coverage
  • Medical Plans
    • Blue Advantage HMO/POS
    • Prime Blue Priory PPO
    • 2500 HDHP
      • Compare medical plans by reviewing our Multi-Plan Benefit Summary
  • Anthem Dental Essential Choice PPO Plan
  • Anthem Blue View Vision Plan

Additional information—including videos, plan documents, and health resources---can be found via BeneCenter [username: cheiba | password: uncolorado].  

Anthem 2025 Open Enrollment Presentation

What can I change during Open Enrollment?

• Changes to be made via Maxwell Health
  • Medical, dental, vision, and life insurance enrollment
  • Add/remove dependents
  • Enroll/continue enrollment in a Medical Flexible Spending Account (FSA), Dependent Care Flexible Spending Account (FSA), or Health Savings Account (HSA).
    • FSA 2025 Contribution Limits: Health = $3,300  |  Dependent Care = $5,000 |  Carryover from 2025 to 2026 = $660
    • HSA 2025 Contribution Limits: Individual = $4,300  |  Family = $8,550  |  Over age 55 = Additional $1,000/year
• Changes submitted directly to kylee.legino@518331.com
  • 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 2023 tax return
    • Children = Copy of birth or adoption certificate
  • Copy of current medical insurance card if waiving coverage
    • Waiver of coverage must also be completed in Maxwell Health. All plans can be waived except for Long Term Disability and Basic Term Life which are mandatory for UNC benefit-eligible Faculty and Professional Administrative staff.
  • Section 125 Pre-/Post-Tax document: This allows you to change your medical, dental, and vision premiums from pre-tax to post-tax (or vice-versa). This document must be filled out to make this change versus making the change in Maxwell Health as in previous years.
  • Retirement plan election form if switching ORP vendors. Note: This form does not automatically roll your funds over. You will need to work directly with the vendor you are switching from to begin the rollover process.

Upcoming Events

UNC's Health & Benefits Fair

Wednesday, October 30 | 7:00AM-11:00AM | Panorama Room, 3rd Floor

• LifeHealth free biometric health screenings and flu shots available. Additional tests are available for purchase.
  • Register: http://signup.lifehealthevents.com
  • Code: UNC (new users only)
  • Please bring your insurance card with you to the benefits fair
• Representatives from Anthem, TIAA, Corebridge, MetLife, Equitable, and Marathon Health will be in attendance.

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. 

• 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 - 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. 

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@518331.com 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.