Medical

For new or rehired employees starting on the first day of any month, benefits commence immediately. For those starting after the first day, benefits begin on the first day of the following month. All employees must enroll in benefits within 30 days from their hire date to obtain coverage.

Employees have a choice to enroll in a medical plan or opt out and receive a monthly payment of $80 ($960 per year) from the College. If electing to opt out, proof of coverage elsewhere must be provided.

Open Access Plus (500)

The Open Access Plus (OAP 500) plan offers access to Cigna’s broad national provider networks while allowing members to make their own health care choices. This plan continues to have a deductible and coinsurance.

• 2025 Plan Summary
• 2024 Plan Document

Open Access Plus (1250)

The Open Access Plus (OAP 1250) plan allows you to see any licensed provider you choose, though benefits are higher when you receive care from a provider in the Open Access Plus network. Members have the option to choose a Primary Care Physician (PCP) to serve as a personal physician to help coordinate health needs.

• 2025 Plan Summary
• 2024 Plan Document

Choice Fund — Health Savings Account (HSA)

This high-deductible health savings account plan (HSA) was introduced in 2010 and is designed for people who are prepared to take a more active role in their health care. The plan offers a tax-deferred health savings account to help pay for covered health care expenses, administered by HSA Bank. The money in this account accumulates from year to year and should you leave Colby, any money in the account will still be accessible to you.

• 2025 Plan Summary
• 2024 Plan Document

Flexible Spending Accounts

Flexible Spending Accounts (FSAs) provide employees the opportunity to make pre-tax contributions to an account in their name, from which reimbursements are made for dependent care expenses and eligible medical expenses such as co-payments, deductibles, dental, and vision expenses. Flores & Associates administers Colby’s FSAs.

Additional Information

• myCigna, prescription drug coverage, emergency care, preventative screenings, and providers.
• 2025 Plan Comparison
• Getting Urgent and Emergency Care Outside the U.S.
• Employee Medical Insurance Monthly Contribution Rates — 2025

*Colby monthly contributions to Employee HSA’s include $105 for employee only and $209 for employee plus dependent(s).