24

Surest: $0 Deductible Health Plan

The Open Enrollment period will be October 27 - November 7, 2025.

The Open Enrollment period for 2026 benefits will run from October 27 through November 7, 2025. It is an active enrollment and all employees are required to complete Open Enrollment if they wish to continue benefits in 2026. If you have any questions or concerns, please contact our Benefits department at hr_benefits@larimer.org.

We’re excited to introduce Surest, a new kind of health plan designed to make your care simpler, more predictable, and easier to budget. With $0 deductible, you know what you’ll pay before you go, whether it’s for a checkup, a specialist, or a prescription.

Surest Health Plan

Surest is a $0 Deductible Health Plan that’s designed to make your healthcare simpler and more predictable. Instead of meeting a deductible before your plan starts covering costs. So whether it’s a primary care visit, a specialist appointment, lab work, or picking up a prescription, you’ll pay a set copay for most services. You can see the cost for care in advance through the Surest app or website, so there are no surprises after your visit.

With Surest, you have access to the UMR network of doctors, specialists, and hospitals. Preventive care is covered at 100%, and you can compare providers and treatment options based on cost and quality before making an appointment. This approach gives you more control over your healthcare spending and helps you make informed choices at every stage of life.

Join the Benefits team for an hour-long webinar covering the upcoming transition from the Choice and Standard plans to the new Surest $0 deductible health plan. 

If you were unable to make it to one of the Surest webinars, you can view the recording from the 9/24 webinar on our YouTube channel by clicking here. 

sore-throat
childbirth
emergency-room
knee-surgery
SORE THROATCHILDBIRTHEMERGENCY ROOMKNEE SURGERY
$0 - $20As low as $900$650$1,200

Parker is miserable with a fever, a sore throat, and a stiff neck. Swallowing is next to impossible. Their mom is grateful for a virtual option.

Primary or Urgent Care Virtual Visit = $0
Office visits (and telehealth visits) with a high-quality doctor are as low as $5.

Office visit copays include:

  • bloodwork
  • x-rays
  • standard labs

It's go time! Alex and Quinn head to the hospital to welcome their first baby.

Labor and delivery at a quality hospital or birth center can be as low as $900. 

The copay includes: 

  • hospital charges
  • OB
  • anesthesiologist
  • epidural
  • emergency C-section
  • baby’s stay (if discharged with mother)

Jeremy falls on his hiking trip and hurts his wrist. He's worried it's broken, so he heads to the ER.

The emergency room price is $650. 

The copay includes:

  • hospital/facility charges
  • attending physician
  • radiologist
  • X-rays
  • splint

During a soccer game, Mike goes down hard and injures his knee. After talking with his doctor, he is now considering a knee arthroscopy.

A knee arthroscopy at a quality hospital can be as low as $1,200.

  • The copay includes:
  • benign bone tumor removal
  • implanted osteogenesis stimulator
  • diagnostic X-ray
  • anesthesia
  • IV fluids
  • observation care
  • diagnostic lab
  • implantable DME
  • Copayment 
    A dollar amount that you pay when a medical service is received, regardless of the total charge for the service. The insurance plan is responsible for the rest of the total charge. 
     
  • Deductible 
    A fixed dollar amount during the plan year (January 1st - December 31st) that you pay before the insurance plan starts to make payments for certain medical services. There is no deductible on the Surest plan. The High Deductible Health plan has both an individual and family deductible. The family deductible must be met by a combination of family members. 
     
  • Coinsurance 
    A fixed percentage that the insurance plan pays for the medical expenses after the deductible amount is paid by the insured person. After the deductible is met, the insurance will pay a percentage (depending on the plan you choose); your share will be the difference (again, depending on the plan you choose) until the out-of-pocket maximum is reached. There is no coinsurance on either the Surest or High Deductible Health Plan.
     
  • Out-of-Pocket Maximum 
    You will be responsible for paying until you reach the specified out-of-pocket maximum. Once the out-of-pocket maximum has been reached, the insurance plan pays 100%. For the Surest plan, the in-network out-of-pocket maximum is $5,000 single and $10,000 family.
     
  • In-Network 
    In-network means that your provider has negotiated a contracted rate under the United Healthcare Choice Plus network. The United Healthcare Choice Plus network is a national network with providers located in every state, and is NOT limited to those providers located in Colorado.
 SUREST
(Cost per Paycheck)		HDHP
(Cost per Paycheck)
COVERAGENon-WellnessWellness*Non-WellnessWellness*
Employee Only$39$19$20$0
Employee + Spouse$220$180$158$118
Employee + Child$158$138$115$95
Employee + Children$202$182$148$128
Family$283$243$213$173

*Full Wellness = Employee & Spouse earned WellRate for 2026.


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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
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