2017-18 Gold Health Insurance Plan

The Gold Plan is a comprehensive health insurance plan that provides coverage for services on campus through Wardenburg Health Services as well as local and national coverage.

Coverage Dates and Costs

Semester Dates of Coverage Cost
Fall 2017 August 18, 2017 - December 31, 2017 $1,995
Spring/Summer 2018 January 1, 2018 - August 17, 2018 $1,995
Summer 2018 Only May 1, 2018 - August 17, 2018 $1,197

The premium will be included on your tuition bill each semester.

Note: Enrolling in the Gold Plan for fall and spring semesters provides a full year of coverage. Spring coverage extends through August 17, 2018 regardless of whether the student graduates in May or takes summer classes.

Gold Plan Students

Below is information for students enrolled in the Gold Plan for 2017-18:

  • Coverage for services provided by Wardenburg Health Services
  • Local and national coverage (co-pays, deductible and coinsurance apply)
  • Prescription benefit
  • Out-of-pocket maximum of $5,000 for in-network and $10,000 for out-of-network per plan year
  • Unlimited policy maximum
  • The plan is underwritten by Aetna and administered by AmeriBen
  • The full policy brochure will be available in September 2017

Eligible students must actively attend classes for at least the first 31 days after the date for which coverage is purchased.

  • Degree-seeking undergraduate students enrolled in six or more credit hours and graduate students enrolled in one credit hour or more are eligible and are automatically enrolled in the Gold Plan.
  • Non-degree seeking Continuing Education students enrolled in six or more credit hours, Study Abroad (including Semester at Sea) students, Evening MBA students and students enrolled exclusively in Be Boulder Anywhere course and paying the base student fee and Wardenburg Health Center fees, may be eligible to enroll in the Gold Plan and must do so by visiting Wardenburg Health Center.
  • Students approved for the Leave of Absence Program are eligible to enroll in the Gold Plan for one semester that they are not registered for classes and must do so by visiting Wardenburg Health Center.

Spouse and dependent coverage is not available on the Gold Plan.

No co-pay or deductible for covered services provided by Wardenburg Health Services including:

Medical Care

  • Primary and preventive care
  • Physical exam
  • Treatment for illnesses and injuries
  • Travel health services excluding specialty travel immunizations
  • Routine vaccinations
  • Allergy shots antigen not provided by health center

Nutrition Services

  • Nutrition counseling for a variety of concerns

Lab & X-Ray

  • Coverage for lab services ordered and managed by a Wardenburg provider
  • Coverage for x-ray services

Counseling and Psychiatry

  • 20 counseling and psychiatry visits per policy year including:
    • Individual counseling
    • Couples counseling
    • Medication management
    • Crisis care
  • Unlimited group therapy
  • 50% coverage of psychological testing ordered by a Wardenburg provider; subject to availability

Physical Therapy and Integrative Care

  • 25 physical therapy visits per policy year
  • 10 chiropractic visits per policy year
  • Orthopedic surgeon consultations

Note: CU Sports Medicine at the Champion Center is not part of Wardenburg Health Services.

Sexual and Reproductive Health

  • Annual exam
  • Sexually transmitted infection testing and treatment
  • Gynecology services
  • Birth control consultations
  • Transgender patient care and hormone therapy

Please note: Students who require a higher level of care than we can provide will be referred to an outside provider and the deductible and coinsurance will apply.

Specialist Visits

A referral from a Wardenburg provider is required for coverage off campus. Please contact Patient Services at 303-492-5107 before scheduling an appointment with a specialist. This plan also includes international coverage.

In-Network Providers

  • $40 co-pay per visit for (co-pays do not apply to the deductible)
  • A $500 deductible per person per policy year will apply for some office visit procedures; surgeries; imaging such as MRIs, ultrasounds, and CTs; and lab services.
  • Coinsurance applies once the deductible is met; patient pays 20 percent up to a $5,000 out-of-pocket maximum per policy year
  • For a complete list of in-network providers visit www.aetna.com/asa

Out-of-Network Providers

  • A $1,000 deductible per person per policy year will apply.
  • Coinsurance applies once the deductible is met; patient pays 50 percent up to a $10,000 out-of-pocket maximum per policy year

  • $25 co-pay for generic medications
  • $45 co-pay for formulary medications
  • $75 co-pay for non-formulary medications

Learn more about your prescription benefits and using the Magellan Rx website.

The Gold Plan includes:

Gender Confirmation Surgery and Related Therapy Eligible Expenses include:
a) mental health counseling;
b) hormone replacement therapy;
c) sexual reassignment surgery:
   1) for female to male: mastectomy, hysterectomy, salpingo-oophorectomy, vaginectomy, metoidioplasty, scrotoplasty, urethroplasty, placement of testicular prosthesis, phalloplasty; or
   2) male to female: orchiectomy, penectomy, vaginoplasty, clitoroplasty, labiaplasty, breast augmentation.

Students who would like to learn more about accessing their gender confirmation benefits can contact our Ameriben representative, Jennifer Barr, at 1-208-947-9519 or jbarr@ameriben.com

Wardenburg's Patient Services department is also available to answer questions at 303-492-5107.

For more on transgender and gender affirming care at Wardenburg click here.

  • $75 co-pay per urgent care visit; coinsurance will apply
  • $150 co-pay per emergency room visit; deductible and coinsurance will apply
  • $200 charge for hospitalization per admission; deductible and coinsurance will apply


Annual Eye Exam

Gold Plan students are entitled to one routine eye exam per policy year at no additional cost through College Optical in Boulder. This includes visual fields testing, glaucoma screening, refraction, and a dilated exam if needed. 

Contact lens fittings, and medical eye care services are available at an additional fee to the patient. Eyeglass frame and lenses are offered at a discount to students with the CU Gold plan. 

College Optical: 303-444-3092  |  www.collegeopticalboulder.com

Aetna Vision Discount Program

Gold Plan students are enrolled in the Aetna Vision Discount Program which provides discounts on glasses, contacts, and LASIK with participating providers. 

For a complete list of participating providers click here.


Annual Dental Exam, Cleaning and X-Ray
Gold Plan students are entitled to one dental exam, cleaning* and x-ray per policy year at no additional cost through PERFECT TEETH™. 


*Cleaning will be done in the absence of periodontal disease.

PERFECT TEETH™ Discount Plan
Gold Plan students are entitled to receive additional dental services at the same discounted rates available through the PERFECT TEETH Dental Plan. These expenses are the patient’s responsibility.  

For more information click here.

Accidental Injury to Sound Natural Teeth and Removal of Impacted Wisdom Teeth 
Limited benefits for these services are covered by the Gold Plan. Please provide your Gold Health Insurance Card to the dental provider for billing purposes.

Contact Patient Services at 303-492-5107 for questions relating to benefit limits and patient financial responsibility.