Open Enrollment

Open Enrollment 2023 runs from May 1 through May 15. This is the time for benefits-eligible employees to sign up for medical, dental, and vision insurance plans, or make changes in their coverage choices (such as switching medical plans, adding coverage, and setting up or changing flexible spending accounts).

All enrollments and changes made during the Open Enrollment period become effective on July 1, 2023 and continue through June 30, 2024.

If you do not complete the enrollment process for the upcoming plan year, your current coverages (except flexible spending account elections, which require a new election every year) will carry over to the new plan year.

Employees are required to provide dependent verification documentation such as a marriage license for your spouse/partner and a birth certificate for your dependent children. Please follow this guide on how to upload your documents to MyDU.

If you have questions or need assistance, contact or call 303-871-7420.

Log in to MyDU to make your benefits selections during Open Enrollment!

Access MyDU

Reasonable Accommodations and Assistance During Benefit Enrollment Period

If you need assistance navigating the system during the May 1 – May 15 Open Enrollment period, please email or call 303-871-7420. If you need a disability-related reasonable accommodation for that process, please contact the ADA Coordinator at 303-871-3941 or email

Virtual Open Enrollment Meetings

We know Open Enrollment involves making important decisions that can raise many questions. To address these questions, we are hosting several virtual Open Enrollment meeting opportunities. 

Wednesday, April 26 from 11 a.m. - 12 p.m.

Monday, May 8 from 1 p.m. - 2 p.m.

Recorded Information Session and Presentation Deck

This video is an overview of all the benefits offered to you by the University. 

Benefits Fair

Our benefit plan vendors will be on hand to provide information and answer questions about our plans and programs. Chair massage therapists will be available on a first come, first serve basis from 10 a.m. - 2 p.m. Nutrition Designed will provide healthy smoothie demonstrations and samples from 11 a.m. - 1 p.m.

Tuesday, May 2 from 9 a.m. - 2 p.m.
Community Commons, Room 1700
2055 E. Evans Avenues, Denver, CO 80208

Meet one-on-one about your benefits

During Open Enrollment, benefits specialists will be available to meet in person to answer your questions. You may drop by the Mary Reed Building, Room 403 from 9 a.m. - 4 p.m., Monday through Friday, May 1-15. No appointment needed. 

Connect with your Benefit Advocate Team

The Benefit Advocate Team provides support to you at no cost.  Get assistance with:

  • Explanation of benefits 
    Is it unclear to you what the insurance covered on a particular claim and what is your responsibility? 
  • Prescription challenges
    Is the pharmacy telling you that your medication is not covered or charging you full price? Do you need help with an authorization for a medication?
  • Benefits questions
    Are you unsure if the insurance company will pay for a certain procedure?
  •  Claim issues
    Did you receive a bill from a doctor but don't know why?
  • Difficult situations
    Are you having difficulty getting a referral? Has the insurance carrier denied a procedure and you want to appeal their decision?

You can contact an advocate by calling 833-355-8939 or emailing, Monday through Friday, 8 a.m.-6 p.m.


2023–2024 Benefits Plan Information

  • Benefits Guide and Premium Rate Sheet
  • Medical Coverage

    Provider: Cigna
    Phone: 800-244-6224

    Employees residing or working in the following counties in Colorado will be in the Cigna LocalPlus Network: Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Eagle, Jefferson, La Plata, Larimer, Mesa, Montezuma, Routt, Summit, and Weld. The vast majority of DU employees will be in the Local Plus Network.

    All other employees will be in the Cigna Open Access Network.

    Network designation is automatic and is not a choice employees make during Open Enrollment.

    Benefit Summaries 


    Pre-Enrollment Assistance through Cigna One Guide 

    Call a Cigna One Guide representative during pre-enrollment for the following assistance: 

    • Easily understand the basics of health coverage
    • Identify the types of health plans available to you
    • Check if your doctors are in-network to help you avoid unnecessary costs, and much more!

    For more details and contact information, view the flyer (Spanish version). 

  • Dental Coverage

    The University offers three dental plan options — two through Delta Dental of Colorado and one through Beta Health.

    Delta Dental Plans

    Provider: Delta Dental of Colorado
    Phone: 800-610-0201

    With the Delta Dental options, you and your family members may visit any licensed dentist, but you will receive the greatest out-of-savings if you see a PPO Provider.

    Both plans include the Right Start 4 Kids program. This program covers children up to their 13th birthday at 100% with no deductible when you see a PPO or Premier provider (for the same services outlined in the plan, up to the annual maximum, and subject to limitations and exclusions. Orthodontia is not covered at 100% but at the plan's listed coinsurance.

    Plan Summaries


    Beta Health Alpha Plan (Dental Discount Program) 

    Provider: Beta Health
    Phone: 800-807-0706

    The Beta Health Alpha Dental Plan is a network-only dental discount program that provides an average of up to 70% savings on the most commonly performed dental procedures.

    Plan Summary and Fee Schedule
  • Vision Coverage

    Provider: EyeMed
    Phone: 866-723-0514

    The University offers two vision plan options through EyeMed — the Base Plan and the Enhanced Plan.

    Plan Summaries
  • Life and AD&D Insurance

    Provider: New York Life
    Phone: 800-362-4462

    Basic Life Insurance

    Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump sum payment if you die while employed by the University of Denver. The University provides basic life insurance of 1x your current salary to a maximum of $100,000 at no cost to you. Benefits will begin to reduce at age 65.

    Plan Summary

    Basic Accidental Death & Dismemberment (AD&D) Insurance

    Accidental death and dismemberment (AD&D) insurance provides payment to you or your beneficiaries if you lose a limb or die in an accident. The University of Denver provides AD&D coverage of 1x your current salary to a maximum of $100,000 at no cost to you. This coverage is in addition to your company-paid life insurance described above.

    Plan Summary


    Voluntary Life Insurance

    During this year's open enrollment, employees can purchase additional life insurance up to a guaranteed maximum amount of $200,000 without having to answer any medical questions.

    Your spouse is eligible for up to a guaranteed maximum amount of $50,000 without having to answer any medical questions.

    Plan Summary

    IMPORTANT: Enrollment or changes to voluntary life insurance is a paper process outside of MyDU. Complete the enrollment form and return it to no later than May 15. Please encrypt the email and use the following format for the subject header: DU CONFIDENTIAL: Open Enrollment. You may also drop your form off in Mary Reed, Room 403 from 9 a.m. – 4 p.m., Monday through Friday, May 1-15. No appointment needed. 

    Voluntary Accidental Death & Dismemberment (AD&D) Insurance

    You may purchase AD&D insurance in addition to your company-provided coverage. You may also purchase AD&D insurance for your dependents if you purchase additional coverage for yourself.

    Plan Summary

    IMPORTANT: Enrollment or changes to voluntary AD&D insurance is through MyDU. 

  • Voluntary Accidental Injury and Critical Illness Insurance

    Provider: Cigna
    Phone: 800-754-3207

    Voluntary Accidental Injury Insurance

    Accidental injury coverage provides a fixed cash benefit according to the benefits summary below when a covered person suffers certain injuries or undergoes a broad range of medical treatments or care resulting from a covered accident.

    Plan Summary

    Do you need to submit a claim? Please visit: 

    Voluntary Critical Illness Insurance

    Critical Illness insurance provides a cash benefit when a Covered Person is diagnosed with a covered critical illness or event after coverage is in effect.

    Plan Summary

    Do you need to submit a claim? Please visit: 

  • Flexible Spending Account (FSA)

    Provider: Rocky Mountain Reserve
    Phone: 888-722-1223

    Flexible spending accounts (FSAs) allow employees to use pre-tax dollars for healthcare or child/dependent care expenses not covered by insurance plans. The University offers three FSA options through Rocky Mountain Reserve:

    • Health Care FSA
    • Limited Purpose Health Care FSA
    • Dependent Care FSA

    Health Care FSA

    A healthcare FSA is a pre-tax benefit account used to pay for eligible medical, dental, and vision care expenses that aren’t covered by your insurance plan or elsewhere. It’s a smart, simple way to save money while keeping you and your family healthy and protected. The IRS sets a limit on how much you can contribute to this account each year. For 2023, the contribution limit is $3,050.

    Employees may rollover $610 at the end of the plan year to use in future years.

    Limited Purpose FSA

    A limited purpose FSA (LPFSA) is a flexible spending account that only reimburses you for eligible dental and vision expenses. An LPFSA is available to employees who are enrolled in a high deductible health plan (HDHP); you may enroll in both the LPFSA and the HSA. By establishing an LPFSA, you can save money on taxes by using your LPFSA dollars for your dental and vision expenses while preserving your HSA funds for other purposes, including simply saving those funds for the future. The IRS sets a limit on how much you can contribute to this account each year. For 2023, the contribution limit is $3,050.

    Employees may rollover $610 at the end of the plan year to use in future years.

    Dependent Care FSA

    A dependent care FSA is a pre-tax benefit account used to pay for dependent care services, such as preschool, summer day camp, before or after school programs, and child or elder daycare. A Dependent Care FSA is a smart, simple way to save money while taking care of your loved ones so that you can continue to work. The IRS sets a limit on how much you can contribute to this account each year. For 2023, the contribution limit is $5,000 if married and filing jointly or single as head of household OR $2,500 if married and filing separately.

    Get More Information

    For more information, view the FSA Enrollment Guide. For a list of eligible expenses, visit RMR's website: "What's Covered."

  • Health Savings Account (HSA)

    Provider: Rocky Mountain Reserve
    Phone: 888-722-1223

    A Health Savings Account (HSA) is an individually owned, tax-advantaged account that you can use to pay for current or future IRS-qualified medical expenses. With an HSA you’ll have the potential to build more savings for healthcare expenses or additional retirement savings through self-directed investment options.

    Note: If you are enrolling in the Cigna HDHP plan and will have a HSA with Rocky Mountain Reserve (RMR) for the first time, you will receive a "Welcome" email from RMR. If you want to contribute to your HSA, please complete the HSA Payroll Deduction form and return it to

    Are You Eligible for an HSA?

    You are eligible to open and contribute to an HSA if you meet all seven of the following criteria:

    1. You are covered by an HSA-qualified health plan (HDHP)
    2. You are not covered by other health insurance (with some exceptions)
    3. You are not enrolled in Medicare
    4. You are not enrolled in TriCare
    5. You are not eligible to be claimed as a dependent on another person’s tax return
    6. You have not received health benefits from the Veterans Administration (except for a "service related disability") or an Indian Health Services facility within the last three months
    7. You are not covered by your own or your spouse’s Healthcare FSA

    How Does an HSA Account Work?

    You can contribute to your HSA via payroll deductions, an online banking transfer, or sending a personal check to RMR. Your employer or a third party such as a spouse or parent may contribute to your account as well.

    You can pay for qualified medical expenses with your debit card directly to your medical provider or pay out-of-pocket. You can either choose to reimburse yourself or keep the funds in your HSA to grow your savings.

    Unused funds will roll over year to year. After age 65, funds may be withdrawn for any purpose without a penalty but will be subject to ordinary income taxes.

    How Much Can You Contribute to Your HSA?

    DU contributes $331.68 per year ($27.64 per month) to your HSA. Your contribution plus DU's contribution cannot exceed the IRS maximum for the calendar year.

    Coverage Tier on the HDHP Plan

    2023 IRS Maximum Contribution

    Self Only


    Family (includes EE+Spouse and EE+Children)


    Catch-up (age 55+ may contribute an additional amount)


    More Information

    For more information, view the HSA Enrollment Guide and visit RMR's website about HSA.

  • Pet Insurance

    Provider: MetLife
    Phone: 888-438-6388

    NEW! Beginning July 1, 2023 you can enroll in MetLife Pet insurance and feel confident that their health and your wallet are protected if you're faced with an unexpected trip to the vet. 

    IMPORTANT: Enrollment is outside of Open Enrollment.  To get a quote or enroll, please contact MetLife after July 1 by calling 1-800-GET-MET8 or visit

Additional Resources: Videos

Review this four minute video to understand how to effectively navigate the Open Enrollment system.

Review this video to understand the benefits and differences between health savings account (HSA), flexible spending account (FSA), limited purpose flexible spending account (LPFSA), and dependent care flexible spending account (DCFSA).