Family & Individual Benefits

Under age 65

Implementation of the Affordable Care Act brought many changes to the individual health insurance market. Medical questions are no longer asked and pre-existing conditions are not considered for enrollment. However, one must typically purchase coverage during the open enrollment period each year. The next open enrollment period will be November 1 through January 31. Outside of this open enrollment period, one must have a qualifying event, like a renewal or loss of existing coverage. Various life changes would also be considered qualifying events, such as marriage, birth or adoption. Carriers, plans and provider networks have also changed dramatically. 

HUB International works with major carriers and will be able to find the plans that best fit your particular needs. Please contact our individual health specialist Ronnie Barr at 719-481-1616 or email ron@choiceenrollment.com for assistance.

65 and Over

If you are age 65, you may qualify for Medicare. In the Denver metropolitan area, FPPA has a policy issued by United Healthcare. This program is known as United Healthcare Medicare Advantage Plan. This plan is an enhancement to Medicare by which United Healthcare is totally responsible to cover your health care costs plus provide additional programs to get you healthy and keep you healthy. United Healthcare has a network of contracting Primary Care Physicians, health care professionals, and medical providers. It also includes prescription drugs and vision care. Premiums are deducted from your monthly pension check.

Contact FPPA’s Payroll Specialist for general information and an enrollment application.

Additional Humana services include:  Silver Sneakers or Silver&Fit depending on where you reside

1/1/2025 – 12/31/2025 Colorado Rates:

Retiree:  $7.00  (Colorado)
Retiree & Spouse(Medicare eligible):  $14.00  (Colorado)

*Plans and rates for all other states are available to you through Humana, see below for how to contact Humana for more information

Once you have completed your Humana Medicare Advantage enrollment form, please return to FPPA for processing.

Members can enroll by phone
Call toll-free 1-844-481-8820, TTY 711, 8 a.m.-8 p.m. local time, 7 days a week to enroll over the phone.

You may go to the dentist of your choice anywhere in the U.S. Enrollment is not restricted, and you can apply at any time.

Benefits are available for the member and their spouse and dependents. Prices vary based on which plan you choose and how many family members are enrolled in the plan. Premiums are deducted from your monthly pension check.

Please mail application to:
7979 East Tufts Avenue
Suite 900
Denver, CO 80237
Attn:  Retiree Payroll Team

Information on plan options are available by calling the HUB International office: (303) 893-0300 or toll free by calling (888) 795-0300, by emailing HUB International; or by contacting FPPA’s Payroll Specialist at (303) 770-3772 or 800-332-3772 for general information and an enrollment application for one of the group plans.

You may enroll in these programs at any time. Both VSP and EyeMed have an extensive list of participating doctors from which to choose. Be sure and check the literature to locate a provider near you. Premiums are deducted from your monthly pension check.

The benefits of each program are outlined in the links below.
There are also forms and information documents for FPPA members

Additional Information on both plans is available by calling the HUB International office:
(303) 893-0300 or toll free by calling (888) 795-0300, by emailing HUB International; or by contacting FPPA’s Payroll Specialist at 303/770-3772 or 800-332-3772 for general information and an enrollment application for one of the group plans.

Please mail application for either program to:
7979 East Tufts Avenue
Suite 900
Denver, CO 80237
Attn:  Retiree Payroll Team

We offer two options to protect you when traveling, working, or living away from home:

Information is available by calling the HUB International office:
(303) 893-0300 or toll free by calling (888) 795-0300,
or by emailing HUB International.

The chances are good that all of us will need either nursing home care or home health care during the later years of our lives. Buying a long-term care insurance policy provides money to pay for these services without becoming a burden on a spouse or children.

There are a variety of policies from quite a range of insurance companies. It is important to carefully review the many options available to you and be sure and get competent advice before making your decision.

HUB International has a long-term care specialist available to help you.

Information is available by calling the HUB International office:
(303) 893-0300 or toll free by calling (888) 795-0300,
or by emailing HUB International.

We have partnered with Norton LifeLock to bring you and your dependents comprehensive Identity Theft Protection for a significant price reduction that can only be obtained as an FPPA Retiree Member. You and your family share all kinds of personal, private, and sensitive information online every day. Your information is valuable to you — and it’s also valuable to cybercriminals. Because of this new age of AI and cyber activity, it is extremely important to make sure you have access to an impactful benefit that can provide data and device security, stolen funds reimbursement, social media monitoring for your family, and so much more!

Norton LifeLock Benefit Plans provide an all-in-one solution to help protect you and your personal information from falling victim to identity theft. Get alerts to possible identity threats, the ability to proactively lock accounts, and if your identity is stolen, Norton LifeLock will work on your behalf to fix it for you!

Keep your personal data and browsing activity private by blocking online trackers and disguising your unique digital fingerprint. As a secure customer of Norton LifeLock you also have access to a reimburse of stolen funds, personal expenses, and provide coverage for lawyers and experts up to $1 million per event.

You have the opportunity as an FPPA Retiree Member to take advantage of an approximate 60% savings than if you were to go direct to Norton LifeLock to obtain coverage on your own; and, the cost for these plans will be conveniently deducted out of your pension check every month so you don’t have to set anything up on your own. Don’t wait, enroll in the Norton LifeLock Benefit Plans using the enrollment link below to help safeguard multiple devices, keep your online activity private, and help protect your identity. It’s never been easier!

Rates:

Benefit Premier Employee-Only Monthly Rate: $7.98
Benefit Premiere Family Monthly Rate: $14.98

Benefit Premiere Plus Employee-Only Monthly Rate: $12.49
Benefit Premiere Plus Family Monthly Rate: $21.48