Provider: Cigna
Website: 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 Summary of Benefits and Coverage (SBC)

• Copay, Local Plus Network / Spanish version and SBC / Spanish version
• HDHP, Local Plus Network / Spanish version and SBC / Spanish version
• Copay, Open Access Network / Spanish version and SBC / Spanish version
• HDHP, Open Access Network / Spanish version and SBC / Spanish version

Prescription Drug Information

• Standard 4-Tier Prescription Drug List
• Patient Assurance Program Drug List

Additional Information

• Transition of Care Form / Spanish version
• One Guide Pre-Enrollment Flyer / Spanish version
• Health Advocacy Customer Brochure
• Kaiser-to-Cigna Checklist / Spanish version
• Local Plus In-network Flyer / Spanish version 

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

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.

• Delta Dental Base PPO Plan / Spanish version
• Delta Dental Enhanced PPO Plan / Spanish version 

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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. Refer to the Plan's fee schedule to see how much each procedure will cost.

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

The University offers two vision plan options through EyeMed: 

• EyeMed Base Plan / Spanish version 
• EyeMed Enhanced Plan / Spanish version 

Both plans include the Freedom Pass. Select any frame at Target Optical at no cost to you. Your frame will be covered 100% no matter the brand or the original retail price point. You must show this flyer to the Target store associate to receive the offer. 

Members-Only Special Offers for 2021

• Contactsdirect: Save 10% on contact lenses with code EYEMED2021
• Target Optical: Extra 25% off in addition to your EyeMed benefits
• LensCrafters: Extra $50 off in addition to your EyeMed benefits

View flyer for more information. 

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

Voluntary Life Insurance 

You may purchase life insurance in addition to your company-provided coverage (1x your current salary to a maximum of $100,000). You may also purchase life insurance for your dependents if you purchase additional coverage for yourself.

• Summary of Benefits / Spanish version

Voluntary Accidental Death & Dismemberment (AD&D)

You may purchase AD&D insurance in addition to your company-provided coverage (1x your current salary to a maximum of $100,000). You may also purchase AD&D insurance for your dependents if you purchase additional coverage for yourself. 

• Summary of Benefits / Spanish version

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

The University is excited to offer NEW benefits: Accidental Insurance and Critical Illness Insurance. Please view the premium rate sheet and see below for more detail plan information. 

Employees may now call a Q&A line at 800-351-9214, available Monday through Friday from 8 a.m. and 8 p.m. (EST) to get more information.

Accidental Injury Insurance 

Accidental Injury coverage provides a fixed cash benefit according to the schedule below when a Covered Person suffers certain Injuries or undergoes a broad range of medical treatments or care resulting from a Covered Accident.

• Summary of Benefits / Spanish version

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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.

• Summary of Benefits / Spanish version

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 flexible spending account (FSA) options through Rocky Mountain Reserve:

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

Healthcare 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 2021, the contribution limit is $2,750.

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 2021, the contribution limit is $2,750. 

There is a rollover feature for the health care FSA and Limited Purpose FSA. Employees may rollover $550 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 2021 only, per the American Rescue Plan Act (ARPA) employees are allowed to contribute up to $10,500 married and filing jointly or single as head of household or $5,250 if married and filing separately, to their DCAP until December 31, 2021.

Starting January 1, 2022 contributions revert back to the standard IRS limit of $5,000 if married and filing jointly or single as head of household or $2,500 if married and filing separately.

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

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

IMPORTANT: 
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 .  

What is a Health Savings Account (HSA)?
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.

Are you eligible for an HSA?
You can open and contribute to an HSA if you:

1. Are covered by an HSA-qualified health plan (HDHP);
2. Are not covered by other health insurance (with some exceptions);
3. Are not enrolled in Medicare;
4. Are not enrolled in TriCare;
5. Are not eligible to be claimed as a dependent on another person’s tax return;
6. Have not received health benefits from the Veterans Administration with the exception of services for a “service related disability” or an Indian Health Services facility within the last three months; and 
7. 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 send 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	2021 IRS Maximum Contribution
Self Only	$3,600
Family (includes EE+Spouse and EE+Children)	$7,200
Catch-up (Age 55+ may cotribute an additional amount)	$1,000