Open Enrollment

What is Open Enrollment?

Open Enrollment is the time for benefits-eligible employees to sign up for medical, dental, life and vision insurance plans, or to make changes in their coverage choices (such as switching medical plans, adding or dropping coverage, adding or dropping dependents, and setting up or changing flexible spending accounts).  All enrollments and changes made during this year’s open enrollment will be effective January 1, 2025 and will continue through December 31, 2025. 

This Open Enrollment is a passive enrollment which means your current benefits will carry over automatically for 2025, except the medical Flexible Spending Account (FSA) and Dependent Care Account (DCA).  If you do not make an election for FSA or DCA those benefits will expire on December 31, 2024. You must re-enroll in those accounts if you would like for them to continue in 2025. 

  • Open Enrollment is from November 1 through November 15, 2024. 
  • To enroll into your benefits, please login to My4D.DU.EDU with your employee credentials starting November 1.
  • Click on Open Enrollment widget on the dashboard to begin your enrollment process. 
  • The benefits system will be open until 11:59PM on November 15, 2024.
  • Benefits Enrollment System Instructions
  • DU is moving our benefit plan year to January 1 through December 31.
  • Employees can choose from either Cigna plans or Kaiser Permanente plans during this year’s enrollment. 

Many resources are available for help understanding this year’s benefit options, click links below for resources:

Benefits Guides and Important Updates

Employee Benefits Guide

Benefits Guide 2025 for January 1, 2025 - December 31, 2025

PDF Downloadable Version of Benefits Guide 2025

Employee Premium Contribution Rate Sheet

Employee Benefit Premium Contributions 2025 for January 1, 2025 - December 31, 2025

Employee Benefits Enrollment System (BES)

Login to https://my.du.edu to access the Benefits Enrollment System. 

Benefits Enrollment System (BES) Instructions

Important Updates for Open Enrollment November 1-15 for Plan Year 2025

As we approach the upcoming annual open enrollment period, the Human Resources and Inclusive Community (HRIC) Team would like to provide an update on what you can expect for this open enrollment. Elections made during this open enrollment will become effective January 1, 2025 and will continue through December 31, 2025.  This Open Enrollment is a passive enrollment which means your current benefits will carry over automatically for 2025, except the medical Flexible Spending Account (FSA) and Dependent Care Account (DCA).  If you do not make an election for FSA or DCA those benefits will expire on December 31, 2024. You must re-enroll in those accounts if you would like for them to continue in 2025.

Be on the lookout for more information on the upcoming Open Enrollment period over the next few weeks. In the meantime, if you have questions about your benefits or how this will impact you and your family, please contact a benefits specialist at benefits@du.edu.

We understand that your health and the health of your family is your top priority. These are our top priorities, too, which is why we continually strive to offer you the best employee health benefits plan available.

Open enrollment will start November 1 and run through November 15. During open enrollment, you’ll be able to shop and select your healthcare coverage and other benefits that best fit you and your family’s healthcare needs. Your medical plan will have a big impact on your healthcare experience, so it’s an important decision. If you are not enrolled in medical coverage, FSA, and DCA and do not enroll during this open enrollment period, we will consider no response as a waiver after the open enrollment period has closed. 

Medical Plan Options

Cigna Copay and Kaiser HMO

The Copay and HMO Plans have set copays for some services and a deductible and coinsurance for others. Copays do not apply toward your deductible, so you will pay copays until you reach your annual out-of-pocket maximum.

Cigna and Kaiser - High Deductible Health Plans (HDHP)

With the High Deductible Health Plan (HDHP), you pay the full negotiated cost for medical services and prescription drugs with the exception of preventive care which is covered at 100%, until you meet your annual deductible. If you are enrolled in the HDHP, you may be eligible to contribute tax-free dollars in a Health Savings Account (HSA) to pay for eligible medical expenses. You choose when to use the money in your HSA account. It rolls over from year to year, allowing the balance to increase. Eligibility restrictions and contribution limits apply and are subject to change annually.

Customer Service Availability

Cigna

Cigna offers access to a 24/7 customer service line. The Cigna One Guide Service is available by calling 888-806-5042.

Kaiser Permanente

For more information about Kaiser Permanente plans visit the website at www.kp.org or contact customer service at 1-800-218-1059.

New members can call The New Member Connect Department, they are available Monday through Friday, 8 a.m. to 5 p.m. at 844-639-8657. Members also have 24/7 access to the kp.org/newmember site or can email the New Member Connect Department at UniversityofDenver@kp.org.

Benefits Fair

Please join us in the Community Commons on Monday, October 28th from 10:00am - 2:00pm for our Employee Benefits Fair. Our benefit plan vendors including Cigna and Kaiser Permanente will be available in-person to provide information and answer questions about all of our benefits plans and programs. Chair massage therapists will be available on a first come, first serve basis from 10:00a.m. - 2:00p.m. Location and details for the Benefits Fair are listed below:

  • Date: Monday, October 28, 2024
  • Time: 10:00a.m. to 2:00p.m.
  • Location: Community Commons, Room 1700
  • Address: 2055 E. Evans Avenues, Denver, CO 80208

Accommodations for Benefits Enrollment Period

To request a disability-related reasonable accommodation for the benefits enrollment process, please contact the ADA Coordinator at 303-871-3941 or email ada.coordinator@du.edu.

Assistance with Benefits Questions and Open Enrollment

Open Enrollment Meetings

We know Open Enrollment involves making important decisions that can raise many questions. To address these questions, we are hosting two virtual meetings.  View our 2025 Open Enrollment Presentation:

Open Enrollment Information Session 1

  • Date: October 22, 2024
  • Time: 11am - 12pm

Open Enrollment Information Session 2

  • Date: October 29, 2024
  • Time: 1pm - 2pm

Frequently Asked Questions

For frequently asked questions, please take a look at our ongoing Open Enrollment FAQs

Connect with your Benefits Advocate Center (BAC)

The Benefits Advocate Center 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?

Contact Information: 

Meet with a Benefits Specialist

During Open Enrollment, drop-in hours are Monday through Friday 10:00am to 2:00 pm Schedule an appoint by emailing the benefits@du.edu inbox.

  • Email: Benefits@du.edu
  • Address: 2199 S. University Blvd., Denver, CO 80210
  • Location: Mary Reed Building, 4th Floor, Room 403 & 404
  • Availability: Monday through Friday from 10:00am - 2:00pm

Additional Resources

Open Enrollment Materials

Please find additional open enrollment materials that include presentations, communications, and both Cigna and Kaiser Permanente plan summaries.

2025

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Benefits Advocate Center

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DU Benefits & Wellbeing