What’s new in 2025?

Premium Updates (a premium is the amount you pay each month to maintain enrollment in your insurance coverage)

• A new 4-tier enrollment structure that represents today’s families and better meets the needs and preferences on how you choose to enroll yourself and covered dependents. This includes the addition of Employee + Spouse/Partner and Employee + Child(ren) tiers.
• Thanks to CSU’s increased contribution and establishing new plan offerings, no employee will see an increase in their medical premium for 2025.

Medical Plan Options

• The Gold and POS plans will be phased out effective Dec. 31, 2024.
• Two NEW plan options will be available for employees to enroll in:
  • The Colorado Pathways plan offers a highly streamlined EPO network and reimbursement structure, providing greater cost savings to you. This plan is only available to employees who reside in Colorado. Services received outside of the state will not be covered – be sure to consider this if you have covered dependents who do not live in Colorado.
    • Determine if your current providers are in the Pathways Network. Make certain to check if your providers and facilities are covered before enrolling in this plan, as the network differs from other CSU medical plans.
  • The Aggie Orange plan offers both deductible and copay features for covered services, providing you with flexibility in managing healthcare costs.
• Employees who were enrolled in the Gold or POS plans will automatically be enrolled into the Aggie Orange plan, but it is important to explore all options before the open enrollment period closes on Nov. 15.

Medical Plan Design

• No-cost virtual PCP care through Anthem’s telehealth options for most plans. If you are in the Ram Plan-HDHP, these services will be subject to the deductible, then no cost-sharing after the deductible has been met.
• Health Savings Account contributions for Ram Plan-HDHP enrollees will now be prorated and deposited monthly, offering consistent support throughout the year. 
• The prescription formulary is transitioning to a more efficient structure to help you get the best value for your medications. If you are currently taking medications, be sure to review the list to determine which prescriptions are covered and at what cost.
• Anthem’s FREE Move to Medicare program is available to support employees as they approach Medicare eligibility. Whether you are exploring options or just need information, Anthem can help.