Open Enrollment

2023–2024 Benefits Plan Information

• Benefits Guide and Premium Rate Sheet
  • Benefits Guide / Spanish version 
  • Premium Contribution 
• Medical Coverage

  Provider: Cigna
  Phone: 800-244-6224
  Website: www.mycigna.com 
  
  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 

  • Copay, LocalPlus Network / Spanish version 
  • HDHP, LocalPlus Network / Spanish version 
  • Copay, Open Access Network / Spanish version 
  • HDHP, Open Access Network / Spanish version 

   

  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
  Website: www.deltadentalco.com

  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

  • Base Plan Summary / Spanish version
  • Enhanced Plan Summary / Spanish version

   

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  Beta Health Alpha Plan (Dental Discount Program) 

  Provider: Beta Health
  Phone: 800-807-0706
  Website: www.betaplans.com/Alpha18 

  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

  • Plan Summary and Fee Schedule / Spanish version
• Vision Coverage

  Provider: EyeMed
  Phone: 866-723-0514
  Website: www.eyemed.com

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

  Plan Summaries

  • Base Plan Summary / Spanish version
  • Enhanced Plan Summary / Spanish version
• Life and AD&D Insurance

  Provider: New York Life
  Phone: 800-362-4462
  Website: www.newyorklife.com 

  
  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 Life Insurance Summary / Spanish version

  
  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

  • Basic AD&D Insurance Summary / Spanish version

   

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  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

  • Voluntary Life Insurance Summary / Spanish version

  
  IMPORTANT: Enrollment or changes to voluntary life insurance is a paper process outside of MyDU. Complete the enrollment form and return it to Benefits@du.edu 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

  • Voluntary AD&D Insurance Summary / Spanish version

  
  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
  Website: www.supphealthclaims.com 

  
  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

  • Accidental Injury Insurance Summary / Spanish version

  
  Do you need to submit a claim? Please visit: www.supphealthclaims.com 

  
  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

  • Critical Illness Insurance Summary / Spanish version

  
  Do you need to submit a claim? Please visit: www.supphealthclaims.com 

• Flexible Spending Account (FSA)

  Provider: Rocky Mountain Reserve
  Phone: 888-722-1223
  Website: www.rockymountainreserve.com

  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
  Website: www.rockymountainreserve.com

  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 benefits@du.edu.

  
  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	$3,850
  Family (includes EE+Spouse and EE+Children)	$7,750
  Catch-up (age 55+ may contribute an additional amount)	$1,000

  
  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
  Website: www.metlife.com/getpetquote 
  
  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. 

  • Pet Insurance Benefit Summary
  • Family Plan Summary
  • The MetLife Pet Mobile App
     

  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 www.metlife.com/getpetquote. 

Additional Resources: Videos

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

• Open Enrollment - Selecting your Benefits (video was created 2022)

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).

• HSA/FSA/LPFSA/DCFSA Overview