Larimer County explains new Surest medical plan: $0 deductible, co‑pay structure and portal issues

Feb 5, 2026

Larimer County benefits staff outlined the new Surest medical plan for county employees, highlighting a $0 deductible, $5,000 individual/$10,000 family out‑of‑pocket limits, co‑pay tiers, CVS Caremark pharmacy coverage and current friction submitting massage/acupuncture reimbursement claims.

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Larimer County benefits staff on Feb. 6 hosted a webinar for employees to explain the county’s new Surest medical plan, which has no deductible and relies on co‑pays until members reach in‑network out‑of‑pocket maximums of $5,000 for individuals and $10,000 for families. Rachel Sporleter, Benefits Team Lead, led the presentation and answered questions about coverage, the member portal and claims processing.

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