Open Enrollment

Open Enrollment 2022 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, 2022, and continue through June 30, 2023.

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 Shared Services Center at 303-871-7420 or email benefits@du.edu.

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

Access MyDU

Reasonable Accommodations and Assistance During Benefit Enrollment Period

If you will need assistance to make your selection of benefits during the May 1 – May 15 Open Enrollment period, please call 303-871-7420 or email benefits@du.edu. If you need a disability-related reasonable accommodation for that process, please contact the ADA Coordinator at 303-871-3941 or email ada.coordinator@du.edu.

 

Open Enrollment Meetings and Q&A Sessions

We know Open Enrollment involves making important decisions that can raise many questions. To address these questions, we are hosting several Open Enrollment meeting opportunities. You may attend virtually or in-person.


Thursday, April 28 from 1 p.m. – 2 p.m.

Tuesday, May 3 from 11 a.m. – 12 p.m.

Location for all on-site meetings:

  • Mary Reed Building, Renaissance Room
    2199 S. University Blvd, Denver, CO 80208

 

Recorded Information Sessions

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

Benefits Overview

2022–2023 Benefits Guide and Premium Rate Sheet

2022–2023 Benefits Plan Information

  • Medical Coverage

    Provider: Cigna
    Website: www.cigna.com

    Employees residing or working in the following counties in Colorado will be in the Cigna Local Plus 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.

    Cigna is available 24/7 to answer benefit questions at 888-806-5042.


    Plan Summaries and Summaries of Benefits and Coverage (SBC)


    Prescription Drug and Pharmacy Information

  • 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
    Member Service: 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


    Beta Health Alpha Dental Plan

    Provider: Beta Health
    Member Service: 800-807-0706
    Website: www.betaplans.com

    The Beta Health Alpha Dental Plan is a network-only dental 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
    Member Service: 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

  • Life and AD&D Insurance

    Provider: Life Insurance Company of North America, a Cigna Company


    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

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


    Plan Summary


    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 Accidental Injury and Critical Illness Insurance

    Provider: Life Insurance Company of North America, a Cigna Company


    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


    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
  • Flexible Spending Account (FSA)

    Provider: Rocky Mountain Reserve
    FSA Member Service: 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 2022, the contribution limit is $2,850.

    Employees may rollover $570 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 2022, the contribution limit is $2,850.

    Employees may rollover $570 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 2022, 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."

    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).

  • Health Savings Account (HSA)

    Provider: Rocky Mountain Reserve
    Member Service: 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 Shared Services at 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

    2022 IRS Maximum Contribution

    Self Only

    $3,650

    Family (includes EE+Spouse and EE+Children)

    $7,300

    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.

Meet One-on-One with a Benefits Specialist

In-person or phone appointments with a benefits specialist can be made Monday through Friday, 8:00 a.m. – 4:30 p.m. Schedule an appointment by logging into MyDU and under the "Employee" tab, select "Open Enrollment" as your reason for scheduling an appointment.

  • Shared Services Center
    Administrative Office Building (AOB)
    2601 E. Colorado Ave., Denver, CO 80202

Benefits Fair

Knowledgeable representatives from Human Resources & Inclusive Community, the Shared Services Center, and our benefit plan vendors will be available to provide information and answer questions about our plans and programs.

  • Wednesday, May 4, from 9 a.m. – 2 p.m.
    Community Commons, Room 1700
    2055 E. Evans Ave., Denver, CO 80208

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).