As a Preferred Provider Organization (PPO) member:

  • You can choose which doctor or specialist to see and you get to choose an in-network or out-of-network provider (Note: you pay substantially less when you go to a doctor in the network.);
  • You don't need to select a primary care physician and you don't need a referral to see a specialist.

Whether you choose an in- or out-of-network provider, certain services require that you satisfy a copay, deductible, and/or coinsurance. If you receive care from an out-of-network provider, your coverage will be at a lower benefit level and you will have to pay a higher deductible and coinsurance.


Human Resources Department

HOURS: Monday - Friday, 8:00am-4:30pm

200 West Oak, Suite 3200, Fort Collins, CO 80521
PO Box 1190, Fort Collins, CO 80522
PHONE: (970) 498-5970 | FAX: (970) 498-5980
Email Human Resources
Email Benefits Team