Below is information on benefits continuation under the Consolidated Omnibus Budget Reconciliation Act (COBRA). Following your separation from the City and County of Denver, the city’s COBRA administrator (Alerus) will send information on COBRA to your address on record.
COBRA Coverage Details
COBRA is a federal law that allows separated employees to continue certain insurance benefits at their own cost. If you are currently participating in the City and County of Denver medical, dental, vision and/or health care flexible spending account (FSA) plans, you will be eligible to enroll to continue coverage for yourself and any covered dependents through COBRA for up to 18 months (sometimes longer in certain instances) following your separation date.
The following benefits are eligible to be continued through COBRA if you were enrolled in that benefit on your last day of work: medical, dental, vision and health care FSA.
You will be responsible for the entire cost of your elected benefit coverage, plus an additional two percent administration fee. The monthly COBRA premium costs shown in the chart below includes the two percent administrative fee. Refer to the chart below for 2022 COBRA monthly premiums:
2022 COBRA monthly premiums
||Employee + Spouse
||Employee + Child(ren)
||Denver Health Medical Plan HDHP
|Denver Health Medical Plan HMO
|Kaiser Permanente HDHP
|Kaiser Permanente DHMO
|United Healthcare HDHP
|United Healthcare CDP
||Delta Dental EPO
|Delta Dental PPO, Low Option
|Delta Dental PPO, High Option
|Vision Service Plan (VSP)
COBRA for Health Care Spending Account
You have until your last day of employment to incur costs to be reimbursed from your health care flexible spending account (FSA). If you have not incurred enough costs to be reimbursed by the amount you have contributed, you may elect to continue your health care FSA through COBRA. Under COBRA coverage, you will be able to incur expenses to access the money already in your account.
If you elect to continue your health care FSA through COBRA, you will contribute the same amount you did as an active employee, plus an additional two percent administration fee (after-tax). You are only eligible to continue the health care FSA through COBRA through the end of the calendar year.
COBRA Disability Coverage
If you are medically disabled, you may be eligible to extend COBRA beyond 18 months for an additional 11 months. After 18 months, the cost increases to 150 percent of the premium cost.
Please review the process for electing COBRA coverage:
- You will receive a letter listing your enrollment options for COBRA, which will be mailed to your home address on record following your separation
- To continue your benefits coverage through COBRA, you must enroll by returning the COBRA election form by the later of:
- 60 calendar days from the date of the COBRA notice; or
- 60 calendar days from the date that your coverage ceases
- Upon receipt of your first payment, your coverage will be reinstated effective the first day of the month following your last day of employment.
COBRA Premium Payments
If you elect COBRA coverage, you will receive a monthly bill for your COBRA premiums. Keep in mind that you are responsible for payment of your monthly premiums. Failure to pay your premiums will result in termination of your coverage.
It is important to remember that the process to reinstate benefits takes time. Generally, the carriers can reinstate benefits within 10 business days after receiving your election and payment. Should you require benefit services before your benefits are reinstated, you may have to pay for those services out-of-pocket and submit a claim for reimbursement.
Alerus Retirement and Benefits
Office of Human Resources, Benefits
Address: Office of Human Resources, Benefits
201 W. Colfax Ave., 4th Floor
Denver, CO 80202