Benefits

The six medical plans offered to eligible City employees are Denver Health Medical Plan's (DHMP) HMO and Deductible HMO, Kaiser Permanente HMO and Deductible HMO (DHMO), United Healthcare HMO and Navigate Plan.  All six medical plans are effective the first of the month following your date of hire. Additionally, Dental, Vision, Short-term Disability and Flex Cash are effective the first of the month following your date of hire. Your life insurance and long-term disability become effective the first day of work.



Denver Health Medical Plan (DHMP)
As a member of DHMP, you receive your care through the doctors at 10 community health centers throughout Denver.  All locations have free, easily accessible parking for DHMP members. Several convenient pharmacy options are available, including online prescription refills and Pharmacy Delivery by Mail, offering a 90-day prescription supply for one co pay. To learn more about DHMP visit www.denverhealth.org or call member services at (720) 956-2100.


  • 2014 Summary of Benefits and Coverage - HMO
  • 2014 Summary of Benefits and Coverage - DHMO


Kaiser 
Kaiser Permanente is the largest nonprofit health plan in the United States. They are an integrated health delivery system, which means they provide and coordinate the entire scope of care for members, including: preventive care, well-baby and prenatal care, immunizations, emergency care, screening diagnostics, hospital and medical services, pharmacy services. The City contracts with Kaiser's Denver/Boulder network. To learn more about Kaiser and their facilities, go to http://my.kp.org/denvergov or call (303) 338-4545. 


 
United Healthcare Choice Copay Plan
The UnitedHealthCare Choice Copay plan is similar to a traditional HMO which coordinates your care through a primary care physician and allows you to pay a low flat fee (copayment) for most covered services. To find out more about UnitedHealthCare Choice Copay Plan, visit www.welcometouhc.com/cityandcountyofdenver or call 1-800-842-5520. This is the City's only medical plan that offers full coverage outside of Colorado. The plan's summary is linked below

UnitedHealthCare Navigate Plan
Members enrolled in this plan must select a Primary Care Physican (PCP) and the network of physicians is limited to only Colorado.  In exchange for lower premiums, members may be required to pay a deductible and coinsurance for certain services. See this plan's summary below.

Important:  If enrolled in Navigate, you must choose a PCP. In order to see the doctor of your choice, email ccdnavigate@uhc.com with your PCP's 11 digit Provider ID. You can find the Provider ID by going to https://www.myuhc.com/member/prewelcome.do, clicking "Find Physician, Laboratory or Facility" and then selecting the "UnitedHealthcare Navigate/Navigate Balanced" plan and searching for your PCP. 


To see a side-by-side comparison of all of our medical plans and their biweekly costs, see pages 13 through 15 of the 2014 Health Benefits Guide.

To see a list of preventive services covered by the City medical plans, click on preventive services.


Delta Dental of Colorado is the dental provider for the City and County of Denver. Delta offers three plans through the City and County of Denver the Exclusive Panel option and two Delta Preferred Provider Options. 
 
You may visit www.deltadentalco.com to view information about:
  • Benefits Overview
  • Claims Info
  • Print ID Cards
  • Dental Health Tips
  • Dentist Directory 


Delta Preferred Provider Option II (PPO) High
  • You have the option of obtaining services from a PPO (in-network) dentist or a non-PPO (non participating or Delta Premier network dentist) with a $2000 annual benefit.
  • Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO and Non-PPO dentists, or call Delta at 1-800-610-0201.
  • If you elect to use a non-PPO (Premier) dentist may incur higher out-of-pocket costs.
  • For a complete list of covered services and reimbursement rates, see the PPO High Summary of Benefits.

Delta Preferred Provider Option III (PPO) Low 
  • You have the option of obtaining services from a PPO (in-network) dentist or a non-PPO (non participating or Delta Premier network dentist) with a $1250 annual benefit.
  • Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO and Non-PPO dentists, or call Delta at 1-800-610-0201. If you elect to use a non-PPO (Premier) dentist may incur higher out-of-pocket costs.
  • For a complete list of covered services and reimbursement rates, see the PPO Low Summary of Benefits.


Exclusive Panel Option (EPO)

  • You make a copayment  for covered services. Plan highlights include: $10 exams, fixed costs for all other procedures and no annual out-of-pocket maximum. You must obtain services from Delta Dental PPO Panel Dentists. Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO dentists, or call Delta at 1-800-610-0201.
  • For a complete list of copays,  see the EPO Copays.
  • For a complete list of covered services and reimbursement rates, see the EPO Summary of Benefits.
Questions? Contact the OHR Benefits Office at (720) 913-5697 or benefits@denvergov.org.


All permanent employees are eligible to enroll in a supplemental vision plan through Anthem Vision. This plan may be used alone or in conjunction with any of the below medical plan benefits. Active enrollees will receive a vision I.D. card from Anthem Vision to show at the time of service. 

Find an in-network provider by visiting www.anthem.com. You may also call Anthem at -1-866-723-0515. Anthem Vision offers additional discounts that can be found at www.specialoffers@anthem.com. View your account details by creating your user name and password at www.anthem.com.

 Service  In-Network  Out of Network
 Routine Eye Exam  $10 copay, then covered in full  $34 allowance
 Eye Glass Frames  $100 allowance then 20% off remaining balance  $50 allowance


Plan Services/Frequency:

  • Exam: 12 months
  • Lenses:12 months
  • Frames:  24 months
  • Contact Lenses: 12 months*
 * Contact Lenses are in lieu of eyeglass lenses and frames benefit

For more information about Anthem Vision, see page 22 of the 2014 Benefits Guide.


If you are covered under one of the City and County of Denver's medical plans, your vision exam is available through your medical provider. Enrollment is automatic with your medical election.

United Healthcare
Choice (HMO) $60 copay, one exam every 24 months, no materials benefit
Navigate $25 copay, one exam every 24 months, no materials benefit


Kaiser Permanente
HMO $30 copay, one exam every 12 months, $100 materials benefit every 24 months
DHMO

$30 copay, one exam every 24 months, no materials benefit.



Standard Insurance is the City and County of Denver's short-term and long-term disability carrier.  

Short-term Disability

Short-term disability (STD) insurance is a voluntary plan designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury. You may only elect STD during your new hire period.  STD benefits may continue during a disability for up to 180 days. 

If you elect outside of your new hire period a late enrollment penalty (LEP) applies. A LEP means that if you file a claim for anything other than an accidental injury during the first 12 months after your coverage becomes effective, STD benefits will become payable after you have been continuously disabled for 60 days and remain disabled.

Available STD Plans:
All plans pay the lesser of 70% of your predisability earnings or the plan's maximum weekly benefit.  

Plan 1: Maximum weekly benefit: $350 
Waiting period: 7 days
Monthly cost: $23.63

Plan 2: Maximum weekly benefit: $1500 
Waiting period: 7 days
Monthly cost: $.01088 x Gross Monthly Earnings 

Plan 3: Maximum weekly benefit: $1500 
Waiting period: 14 days
Monthly cost: $.00875 x Gross Monthly Earnings 

Plan 4: Maximum weekly benefit: $1500 
Waiting period: 30 days
Monthly cost: $.00663 x Gross Monthly Earnings

Plan 5: Maximum weekly benefit: $1500 
Waiting period: 60 days
Monthly cost: $.00439 x Gross Monthly Earnings 

If you have more questions review the STD Frequently Asked Questions document.  To file a claim, download the STD Claim Form, forward the physician statement to your doctor for completion, complete the employee statement and contact the OHR/Benefit or Controller's office to complete the employer portion.  

2014 Short-term Disability Brochure

Short-term Disability Certificate

Long-term Disability
Long-term disability (LTD) insurance is designed to pay a monthly benefit to you in the event you are unable to work for after 180 days due to a covered illness or injury. 
  • Your long-term disability becomes effective the first day of work.
  • The monthly long-term disability benefit is 60% of the first $10,000 of your monthly pre-disability earnings earnings.  The City pays 100% of the premium and you are automatically enrolled upon hire. 

If you have more questions review the LTD benefit summary

 
To file a claim, contact the Citywide Admin Team at (720) 913-5751.



All claims processing for the City and County of Denver's medical, dependent and qualified parking flex cash plans is being handled by 24 Hour Flex. To read more about how flex cash can help you, see the  24 Hour Flex Brochure.
 
  • File an online claim at www.24hourflex.com (claims for the previous year must be filed by March 30th of the current year), if you do not have an online account follow the instructions below.

    The steps to create an online account are as follows:
  1. Go to www.24hourflex.com and click on the “Account Log In” under the “Participants” sidebar on the right of the page.
  2. Click on the “If you don’t have a card or don’t know your card type click HERE” link.
  3. Click on “New User” under “Additional Options” on the right of the page
  4. Follow instructions for creating an account (this is where you need your SSN, DOB, and a valid e-mail address).
 
Contact, 24HourFlex.com
7100 E. Belleview Ave., Ste 300
Greenwood Village, CO 80111
Help Center: 303-369-7886 | Toll Free 800-651-4855
FlexFax: 303-369-0003 | Toll Free 800-837-4817
Email: info@24HourFlex.com

Basic Life and Accidental Death and Dismemberment Insurance
 
The City provides a Basic Life Insurance policy on your behalf. Your enrollment is automatic and the premium is paid for entirely by the City. The following chart highlights the benefits of these policies depending upon your employment status:

 Employee Class Coverage Amount
 Full-Time     2x annual salary, maximum $100,000
 
Three-Quarter & Half Time
(hired prior to Jan 1, 2002)   


2x annual salary, maximum $75,000
 
Three-Quarter Time
(hired after Jan 1, 2002)
 

1.5x annual salary, maximum $75,000
 
Half Time
(hired after Jan 1, 2002)
 

1x annual salary, maximum $50,000
 
Sheriff - Uniformed    
 
2x annual salary, maximum $400,000

Enrollment in the Basic Life Insurance benefit is automatic; however, you should keep your beneficiary designation current. Completed Basic Life beneficiary designation forms can be returned to the OHR Benefits Office.

To learn more about this benefit, please refer to the Life Insurance Certificate provided by the City's life insurance carrier Standard Insurance Co.

Additional Life Plans
 
You may also elect Additional Life Insurance coverage for yourself and Spouse life coverage for an eligible spouse in units of $5,000 to a maximum benefit of $300,000.
If you are a new employee, you may elect up to $100,000 for yourself and $30,000 for your spouse if you enroll within 30 days of hire without being subject to medical underwriting approval.
 
If you are beyond your first 30 days of employment or want to elect more than $100,000 for yourself and/or $30,000 for your spouse, you and/or your spouse must complete a Medical History statement. Standard Insurance Co. may also require a physical examination in order to be granted the additional coverage. 

You may also elect at any time:
  • Accidental Death and Dismemberment (AD&D) Insurance for yourself and your family in increments of $10,000 up to $500,000
  • $5,000 or $10,000 Dependent  Life Insurance policies for your eligible children

No medical history statements are required for enrollment in these policies.

For additional information about these plans, as well as premium rates, see the 2013 Standard Insurance Additional Life brochure.

Please note: the additional life premiums are increasing for 2014. To see the 2014 rates, see this brochure.


To enroll in any of the additional life plans, complete the following enrollment form:

For additional forms see the Benefits Enrollment and Forms section

Due to the importance of utilizing alternative transportation, the City participates in and subsidizes the cost of the Eco Pass and ValuPass programs with the Regional Transportation District (RTD).
 
Both programs allow employees to use RTD's bus and light rail services as alternative transportation to and from work.

Enrollment Advantages:
  • Reduces commuting costs and hassles
  • Pay for commuting expenses with pretax dollars
  • No parking issues
  • Peace of Mind provided by Guaranteed Ride Home Program sponsored by Denver Regional Council of Governments  (Eco Pass only)


 

Eco Pass
 
The Eco Pass is an RTD-issued photo ID card called a smart card.


The monthly cost is $39 (pretax) and is deducted from the 2nd paycheck of each month.     

Enrollment Provisions
Eligible employees may enroll at anytime:
  • Eco Pass is available to full-time City employees.  Part-time employees may contact the Benefits Team for transit pass options.
  • City employees at Denver International Airport (DIA) are not eligible for the Eco Pass program, but can enroll in the DIA ValuPass program.   


To enroll, employees must see a benefits representative in the OHR Benefits office, located in the Webb Municipal Building, 4th Floor, to receive an RTD smart card authorization form. ( Note: Employees located at Denver Human Services and Denver Public Library may obtain Eco Pass enrollment details from the Human Resources offices on-site.)      

You may cancel your Eco pass participation at any time. To cancel, please complete the RTD termination form and return as directed on the form.

For more information about Eco Pass, including route and schedule information, visit www.rtd-denver.com/EcoPass or contact the OHR Benefits team at benefits@denvergov.org or (720) 913-5697.


The Wellness Center features a full compliment of fitness equipment, exercise classes and services for all employees.

The center is open for early morning workouts as well as after work hours and on Saturday. Employees' ID badges are used to allow access to the Wellness Center in the lower level of the Webb Municipal Building.
 


Hours
  
Monday - Friday
4:30 a.m. to 9 p.m.
Saturday 7 a.m. to 5 p.m.
Sunday Closed
  

 
Membership Fees
Monthly Membership $25
Daily Drop-In Rate $5
Monthly Locker Rental (Based on availability) $3/Month
 

Tours
Come by and see what the Wellness Center has to offer you!  Tours are available anytime and take just a few minutes.  Please call Tanya at (720) 913-5687 to arrange a time for your tour.
 
Orientation Schedule
Orientation is a required step to becoming a member of the Wellness Center. During this orientation you will receive important information on policies and procedures, membership paperwork and a detailed explanation of the Center.  Please call Tanya at (720) 913-5687 to arrange a time for your orientation. 
Assorted training and development programs are offered to help employees better perform their jobs and achieve career goals.
 
Our employees are also able to take advantage of:
  • City Employee University
    City University is an online portal that not only modernizes how training is delivered, but also enhances and broadens the City’s development tools – focused on critical business needs such as leadership, customer service, business acumen and information technology.
  • Flexible schedules
  • Employee discounts
  • And more!

Stay Informed

Stay informed about jobs and other issues!

View our online version of the 
Jobs Bulletin for specific jobs or, subscribe to receive our bulletins twice a week via email.
You can also sign up for emails about:

2014 Benefits

This presentation will explain the terms and options available to employees of the City and County of Denver.


You can also view our 2013 Benefits Guide to compare benefits and plan costs.

2014 Benefits Guide

Holiday Schedule

City employees enjoy over 12 government holidays! View the Holiday Schedule for more details.

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