Due to health care reform, all full time employees hired as of January 1, 2015 will be automatically enrolled into the lowest cost medical plan (Kaiser DHMO) with coverage effective the first of the month following the hire date. See section 4 of the 2015 Employee Benefits Guide for details on waiving, changing or adding dependents to this medical coverage.
Open Enrollment for 2016 runs from October 5, 2015 through October 30, 2015.
*This year's open enrollment is active for medical--this means your current 2015 medical plan will not carry forward into 2016. Instead, all full-time Denver employees will be automatically enrolled into the Kaiser high-deductible health plan (HDHP) with employee only coverage for 2016. Make sure to waive, change plans and/or add dependents for 2016!
How do I ENROLL?
1. Log into DOT and go to the Self Service Center's "My Benefits" section. Click on "Benefits Enrollment" anytime between 10/5/15 and 10/30/15.
2. No access to DOT, complete the 2016 Benefits Enrollment form mailed to your home address and return to Benefits by 10/30/15 via:
- Email – email@example.com
- Fax – 720.913.5548
- Mail – OHR Benefits, 201 W. Colfax Ave., Dept. 412, Denver, CO 80202
3. REMEMBER—enrollment is required to have the medical plan of your choice!
How do I LEARN about the new 2016 medical plans?
Meet the benefit providers at any one of the remaining 2016 Open Enrollment Benefit Fairs:
The Benefits Team is also offering the following 2016 benefit information sessions:
Overview of 2016 Medical Benefit Plans
The following is a summary of the medical carriers and plans we will be offering in 2016:
|2015 - 2016||2016 (new)|
|Kaiser||Deductible HMO (DHMO)||HDHP|
|United Healthcare||DHMO (Navigate)||HDHP|
However, in 2016 the City is introducing a new type of medical plan called a high-deductible health plan (HDHP). The HDHPs will replace the HMOs (or copay-only plans) offered in 2015. Along with the same medical providers in 2016 come the same covered services, the same Rx coverage and the same network of doctors and facilities. The only thing different is how you pay for your health services.
HIGH-DEDUCTIBLE HEALTH PLANS (HDHP)
HDHPs have the same covered services and networks as the 2015 HMO plans, but replace copays with deductibles and coinsurance. These HDHPs also qualify to be paired with Health Savings Accounts (HSA).
*Click here to view a helpful summary of how high-deductible health plans work.
*Click on the specific medical provider below to see how its HDHP plan works.
HEALTH SAVINGS ACCOUNTS (HSA)
Health Savings Account (HSA) An HSA is a pre-tax medical savings account used to pay for qualified expenses. An HSA can only be used when enrolled in a high-deductible health plan (HDHP). In 2016 the City is pre-funding every account with $600 for those enrolled in an HDHP with single coverage and $1200 for those enrolled in an HDHP with a dependent.
Unlike the flexible spending accounts, you own your account and there are no “use it or lose it” restrictions. HSAs allow you to save and “roll over” funds from year to year. Even if you change health plans or jobs, the money in the account is yours to keep, including the City’s 2016 contribution to your HSA.
Click here for an example of how an HSA works with a high-deductible health pla.
Click on the links below to see Optum's (HSA Provider) presentations and to compare heallth savings accounts (HSA) and flexible spending accounts (FSA).
DEDUCTIBLE HMO PLANS (DHMO/NAVIGATE)
The Denver Health and Kaiser Deductible HMO (DHMO) plans, and United’s Navigate plan offered in 2015 will remain the same in 2016. However, the premiums for these DHMO plans will increase in 2016.
Medical Plan Cost Estimator: Use this medical plan cost estimator to help determine what medical plan works best for you and your family in 2016
Please note: all new employees will be automatically enrolled into the Kaiser DHMO medical plan with employee only coverage unless this coverage is waived, another medical plan is elected or dependents are added within the first 30 days of employment.
*Half-time employees use the 2015 Half-Time enrollment form
**Important: If enrolled in Navigate, you must choose a Primary Care Physician (PCP). In order to see the doctor of your choice, email firstname.lastname@example.org 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 update your benefits, complete the benefits 2015 enrollment form** within 30 days of the status change, and submit it to the OHR Benefits Office. Please also include proof of the status change and the required supporting documentation if you are enrolling new dependents.
*Important: If newly enrolled in Navigate, you must choose a Primary Care Physician (PCP). In order to see the doctor of your choice, email email@example.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.
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.
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 www.kp.org or call (303) 338-4545.
*Refer to this list of Kaiser's Sample Fees to estimate procedure costs under the Kaiser DHMO plan.
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 firstname.lastname@example.org with your PCP's 11 digit Provider ID. You can find the Provider ID by going tohttps://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 six medical plans and their biweekly costs, see pages 15 through 17 of the 2015 Benefits Guide.
To see a list of preventive services covered by the City medical plans, click on preventive services.
Delta Preferred Provider Option III (PPO) Low
Exclusive Panel Option (EPO)
*NEW IN 2015, employees are eligible to enroll in a supplemental vision plan through VSP Vision. This plan may be used alone or in conjunction with any of the medical plan benefits listed below.
*Please note, active enrollees will not receive a vision ID card. VSP's vision providers will verify coverage using the enrollee's social security number at the time of service.
Find a "VSP Choice" in-network provider by visiting www.vsp.com or call VSP at 1-800-877-7195.
Vision benefits include
For more information about VSP Vision, see page 23 of the 2015 Benefits Guide or the VSP Plan Summary. Or visit www.vsp.com for additional details included in the vision benefit and for exclusive savings and promotions for VSP members.
|Choice (HMO)||$60 copay, one exam every 24 months, no materials benefit|
|Navigate||$25 copay, one exam every 24 months, no materials benefit|
|HMO||$30 copay, one exam every 12 months, $100 materials benefit every 24 months|
$30 copay, one exam every 12 months, no materials benefit.
If you were hired after January 1, 2010, or you converted to the City's Paid Time Off (PTO) plan, the City pays the full cost of the premiums for your short-term disability insurance. You are automatically enrolled into this benefit and it is effective upon your hire date. This benefit includes the following:
City-paid STD: Weekly benefit: 70% of salary with $1500 maximum per week
Waiting period: 14 days
Monthly cost: $0 (City-paid)
If you were hired by the City and County of Denver prior to January 2010, or you work in the District Attorney's office or for the Sheriff's department, you are eligible to voluntarily enroll into one of the five STD plans listed below.
Available voluntary STD Plans:
Plan 1: Maximum weekly benefit: $350
Waiting period: 7 days
Monthly cost: $23.63
Plan 2: Weekly benefit: 70% of salary with $1500 maximum per week
Waiting period: 7 days
Monthly cost: $.01088 x Gross Monthly Earnings
Plan 3: Weekly benefit: 70% of salary with $1500 maximum per week
Waiting period: 14 days
Monthly cost: $.00875 x Gross Monthly Earnings
Plan 4: Weekly benefit: 70% of salary with $1500 maximum per week
Waiting period: 30 days
Monthly cost: $.00663 x Gross Monthly Earnings
Plan 5: Weekly benefit: 70% of salary with $1500 maximum per week
Waiting period: 60 days
Monthly cost: $.00439 x Gross Monthly Earnings
For these plans the premiums are paid entirely by the employee. You will have the opportunity to make a change to your STD enrollment every year during open enrollment. However, 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.
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.
If you have more questions review the LTD benefit summary .
Please also login to your online account at participant.24hourflex.com. Your initial username will be your first name initial + your last name + the last 4 digits of your SSN. Your initial password will be the last four digits of your SSN (example username for John Sample is, jsample9999, password would be 9999).
All claims processing for the City and County of Denver's medical, dependent and qualified parking flex cash plans is being handled by 24HourFlex. To read more about how flex cash can help you, see the 24HourFlex Brochure.
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
|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
(hired after Jan 1, 2002)
1.5x annual salary, maximum $75,000
(hired after Jan 1, 2002)
1x annual salary, maximum $50,000
Sheriff - Uniformed
2x annual salary, maximum $400,000
To learn more about this benefit, please refer to the Life Insurance Certificate provided by the City's life insurance carrier Standard Insurance Co.
No medical history statements are required for enrollment in these policies.
To enroll in any of the additional life plans, complete the following enrollment form:
For additional forms see the Benefits Enrollment and Forms section
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.
Wellness is about more than just being physically healthy; it’s about being happy, motivated and relaxed. Wellness means reducing stress, eating well, and having good relationships. In an effort to better support our City employees on their paths to well being, the Denver Wellness Program focuses on providing empowering health information, engaging wellness activities and a sweet incentive for your effort.
Healthy Steps: A Healthy Reward for Going in a Healthy Direction
Every day we make dozens of decisions that affect our health. Even one small step in the right direction is worth celebrating. The Healthy Steps program rewards you for starting on the path to better health. By simply being up- to- date on your annual screenings, going to a preventative dentist visit and filling out an online health assessment, Denver Wellness will provide you with an incentive to offset your health insurance premium costs.
Visit the Denver Wellness Page for more information.
* Please note the employee contributions to the plan increased in 2015. To learn more about the increase please see the FAQs link below.
The lifetime monthly benefit you will receive from the Plan is intended to provide a portion of your retirement income. Please visit www.derp.org to learn more about the Plan
The deferred compensation plan, or 457 plan, is the City’s voluntary retirement savings plan. A 457 plan is similar to a 401(k) plan in the private sector. However, unlike some 401(k) retirement plans, the City does not match employee 457 plan contributions.
Deferred compensation is a way for you to set aside money via payroll deduction on a pre-tax basis to save for retirement and defer, or delay, paying any taxes on the money you invest, as well as, any earnings from those investments.
Some other benefits of investing in a 457 plan are:
The provider for the City's deferred compensation plan is TIAA-CREF. For more information about TIAA-CREF's retirement plans and investment options, contact a TIAA-CREF consultant at 855 259-4648 or contact TIAA online. You can also visit TIAA-CREF's website dedicated to City of Denver employees.
Contributions to the 457 plan can only be made through payroll deductions. You decide how much to contribute and you can contribute as little as $10 per check or as much as 100% of your total pre-tax pay. Keep in mind, the IRS sets annual contribution limits for 457 plans. The current 2015 annual contribution limits are as follows:
To start contributing to a 457 plan or to change an existing deferral amount, please use the TIAA-CREF Salary Deferral Agreement Form*
*Completed 457 enroll/change forms can be scanned back to email@example.com, faxed back to (720) 913-5548, or turned in to OHR Benefits, 201 W. Colfax Ave., Dept. 412, Denver, CO 80202.
For more information on the City's 457 Deferred Compensation Plan, please visit the Deferred Compensation Committee webpage.
|Years of Consecutive Service||PTO Hours Earned Monthly|
|0-6 Months||10 Hours|
|6 Months - 5 Years||12 Hours|
|5 - 10 Years||15 Hours|
|10 - 15 Years||18 Hours|
|15 and Over||19 Hours|
|Years of Consecutive Service||Sick Earned Monthly
||Vacation Earned Monthly
|0-5 Years||8 Hours||8 Hours|
|5-10 Years||8 Hours||10 Hours|
|10-15 Years||8 Hours||12 Hours|
|15 Years and Over||8 Hours||14 Hours|
Employees who receive PTO benefits shall be entitled to use up to forty (40) hours of paid bereavement leave because of the death of a member of the employee’s immediate family. This forty (40) hours of bereavement leave shall not count against the employee’s PTO bank.
Employees in the sick and vacation leave plan may use up to forty-eight (48) hours of their accrued sick leave hours due to the death of a member of the employee's immediate family.
Personal issues, planning for life events or simply managing daily life can affect your work, health and family. The GuidanceResources® EAP provides support, resources and information for personal and work-life issues. GuidanceResources is City of Denver-sponsored, confidential and provided at no charge to you and your dependents.
Your GuidanceResources EAP services include:
EAP for Confidential Counseling
Life can be stressful. Your EAP is designed to provide short-term counseling services for you and your dependents to help you handle concerns constructively, before they become major issues. Call anytime about concerns such as marital, relationship and family problems; stress, anxiety and depression; grief and loss, job pressures and substance abuse.
Too much to do, and too little time to get it all done? The work-life specialists can do the research for you, and provide qualified referrals and customized resources for child and elder care, moving, pet care, college planning, home repair, buying a car, planning an event, selling a house and more.
With GuidanceResources, you have an attorney “on call” whenever you have questions about legal matters. Speak with on-staff licensed attorneys about legal concerns such as divorce, custody, adoption, real estate, debt and bankruptcy, landlord/tenant issues, civil and criminal actions and more. If you require representation, you can be referred to a qualified attorney for a free 30-minute consultation and a 25 percent reduction in customary legal fees.
Everyone has financial questions. With your GuidanceResources benefit, you can get answers to your questions about budgeting, debt management, tax issues and other money concerns from on-staff CPAs, Certified Financial Planners® and other financial experts, simply by calling your toll-free number.
Go online to access timely, expert information on thousands of topics, including relationships, work, school, children, wellness, legal, financial and free time. You can search for qualified child and elder care, attorneys and financial planners as well as ask questions, take self-assessments and more.
GuidanceResources is available to you 24 hours a day, 7 days a week.
There are two ways to access your GuidanceResources EAP benefits:
1. Call 877.327.3854. You’ll speak to a counseling professional who will listen to your concerns and can guide you to the appropriate services you require.
2. Visit GuidanceResources Online at www.guidanceresources.com and enter your company ID: DENVEREAP
Remember, your GuidanceResources benefits are strictly confidential. To view the ComPsych HIPAA privacy notice, please go to www.guidanceresources.com/privacy.
Please Note: If you were previously married and are adding a common-law spouse, you must provide a divorce decree for the prior marriage.
Standard Insurance Company is the carrier for short-term disability. The City has 2 short-term disability plans. One is a voluntary benefit for those employees hired prior to January 1, 2010. This benefit is paid for by the employee through payroll deductions. The other is an automatic benefit for those employees hired after January 1, 2010. This benefit is paid for by the City.
Standard Insurance is the carrier for the City and County of Denver's Long Term Disability plan. All benefit eligible employees are enrolled and premiums are provided to employees as part of their benefit package.
The City provides a basic life insurance benefit to all benefit-eligible employees. The policy is 2 times the employee's annual salary to a maximum of $100,000 (reduced if a 1/2 or 3/4-time employee). Employees need only complete the following beneficiary designation form to ensure the benefit is appropriately distributed.
201 W. Colfax Ave., Dept. 412
Denver, CO 80202
201 W. Colfax Ave., Dept. 412
Denver, CO 80202
(303) 338-3800 or (303) 338-4545
EPO Group# 6791
DPO High Group# 6793
DPO Low Group# 6026
24 Hour Flex
(303) 369-7886 or (800) 651-4855
LIFE AND DISABILITY INSURANCE
Standard Insurance Co.
Denver Employees Retirement Plan
Web ID: DENVEREAP
Website Password 100010
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Web ID: DENVEREAP
Click on one of the Employee Benefits Guides below for 2015 or 2016 benefit information. Click on the Benefits Presentation link to learn more about the current 2015 benefit options available to employees of the City and County of Denver.
Your health benefits end when you no longer work for the City. Learn how you can continue your coverage with COBRA.
The HIPAA Privacy Rule establishes standards to protect individuals' medical records and other personal health information.
HIPAA Privacy Statement - Flex Medical