Health Insurance

General Information:
As you know, the Denver Employees Retirement Plan (The Plan) conducts its annual Open Enrollment for health, dental, and vision insurance during the month of October. Open Enrollment is a time when members may add, delete, or change their insurance options. Eligible dependents may also be added at this time. All changes made during Open Enrollment will be effective January 1, 2013.

For a fully comprehensive listing of 2013 benefits provided by all insurance carriers, please click on the following link: 2013 Open Enrollment Brochure

Listed rates represent the full monthly premium and do not reflect the health insurance premium reduction benefit.

Health Insurance Enrollment Form
Health Insurance Disenrollment Form

The enrollment and disenrollment forms for Health/Dental/Vision insurance are fillable forms. Please fill out your form online, then print and sign it before mailing it to the Plan.

If you do not want to make changes to your current insurance coverage, you do not need to notify the Plan. Your coverage will continue automatically. As you read through your different options for 2013, and decide you would like to make changes to your existing coverage, please login to your account at www.myderp.org or contact a Membership Services Representative at 303-839-5419 to schedule an appointment or to have the appropriate applications mailed to you. Please remember that all changes must be made by October 31, 2012 to be effective January 1, 2013.

Below are some changes that the Plan would like to bring to your attention regarding your options:

Due to the passing of the Affordable Care Act (aka Health Care Reform) in 2010, one significant mandatory change took place with our insurance plans effective January 1, 2011. Unmarried children under the age of 26 can be covered by their parents' health, dental, and vision insurance. If you have unmarried chldren under the age of 26, they are eligible to be covered and you can add them during Open Enrollment to be covered as of January 1, 2013.

There are three changes that the Plan would like to bring to your attention regarding your options:

This year, members may complete their Open Enrollment changes on-line via the Plan’s new website portal. Login to www.myderp.org, select the Insurance Enrollment link on the left hand side of the screen, and follow the instructions on the screens to make your insurance selections. Please note that you can only make your selections on-line once during each annual Open Enrollment period. If you make changes on-line, submit them, and then change your mind about what you have selected, please contact Membership Services and we will assist you with making any corrections.

For 2013, there has been an addition to the health insurance choices for our non-Medicare eligible members. Denver Health Medical Plan has added a DHMO plan that has a deductible to meet before plan benefits begin and is similar to both the United Healthcare Navigate and Kaiser Permanente DHMO plans. This Denver Health DHMO plan will be offered in addition to the current Denver Health HMO Plan.

The Plan also will be offering three Delta Dental plans in addition to the current CIGNA Dental plans. The Delta plans offer the same coverages as the Delta plans offered to current City and County of Denver employees. Members can enroll in either a CIGNA or Delta plan, but cannot enroll in both. In order to switch your dental plan from CIGNA to one of the Delta offerings, members must make the change through the on-line portal or notify the Plan in writing.

Further Information:

Health Insurance Premium Reduction Benefit - Denver Employees Retirement Plan contributes a portion of the monthly health insurance premium if the member is enrolled in group insurance offered by the Plan. The contribution is based on service with the City/DHHA (excluding purchased permissive service).

In 2013, the Plan will continue to contribute $6.25 for each year of service for members age 65 and over. The Plan contributes $12.50 for each year of service for members under age 65.

Dental Insurance - The Plan offers CIGNA and Delta Dental Insurance to retired members.

Prescriptions
Did you know that pharmacies such as King Soopers, Target, and Wal-Mart are offering 30-day generic prescriptions for $4? Many of these are commonly prescribed medications that you may be taking now. The use of these $4 prescription programs could help you save money. Contact your doctor or pharmacy for more information.

Medicare-Eligible Members - Members who are age 65 or older or who have been receiving Social Security Disability benefits for two years are Medicare eligible. In order to enroll in health insurance through the Plan, Medicare eligible members must be continuously enrolled in both Medicare Part A (Hospital) and Part B (Medical) and enroll in one of the Medicare Advantage plans offered by the Plan.

Medicare Part D - The Medicare Advantage plans offered by the Plan include prescription drug coverage (also known as Part D). Therefore, if you are enrolled in a Medicare Advantage plan with the Plan, you will automatically be enrolled in Medicare Part D. You DO NOT (and SHOULD NOT) need to enroll in a separate Medicare Part D plan. If you are not enrolled in a Medicare Advantage plan offered by the Plan or you cancel your insurance, but want to continue carrying a prescription drug plan, please contact Medicare to get information on Medicare Part D plans available to you. Be aware that there are specific enrollment periods and penalties that may apply if you do not enroll when eligible.

Members can only make changes to their health insurance during Open Enrollment or if the member has a qualifying life status change (LSC).

Members can get answers to Medicare questions by calling 1-800-633-4227. The Medicare web site is www.medicare.gov

Select a Health or Dental Insurance Carrier and click "GO!" for more information: