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Health Insurance

General Information:

The Denver Employees Retirement Plan (DERP) 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 are effective January 1st of the following year.

For a comprehensive listing of 2020 benefits provided by all insurance carriers, please click on the following link: 2020 Open Enrollment Brochure or Kaiser Out of State Rates (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.

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 credited service with the City/DHHA.

In 2020, the Plan will continue to contribute $6.25 for each year of service for Medicare-eligible members, and $12.50 monthly for each year of service for members who are not yet Medicare-eligible.

Dental Insurance - The Plan offers CIGNA and Delta Dental Insurance to retired members. Members can enroll in either a CIGNA or Delta plan, but cannot enroll in both.

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 in October 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 website is: