At Denver Health, we are invested in you. That’s why we’ve designed a benefits package that helps to support your total well-being—physically, emotionally, and financially.
ELIGIBILITY
If you are scheduled to work at least 20 hours per week (0.50 FTE or higher) on a regular basis, you are eligible to participate in the Denver Health benefits plans.
All other employees, including PRN, may be eligible for medical, dental and vision benefits in accordance with the Affordable Care Act guidelines.
As you become eligible for benefits, so do your eligible dependents. In general, eligible dependents include:
- Your spouse or partner: This includes your legal spouse, common-law spouse, civil union partner or domestic partner.
- Your child(ren): This includes your children up to age 26, regardless of student, marital or tax-dependent status (including a stepchild, child of your domestic partner, legally adopted child, a child placed with you for adoption or a child for whom you are the legal guardian) as well as children of any age who are physically or mentally unable to care for themselves.
ENROLLMENT
You can only sign up for benefits, change your elections or change your covered dependents at the following times:
- Within 30 days of Denver Health benefits eligibility. Your initial eligibility date is the day you meet the Denver Health
benefit eligibility requirements as described above (i.e., your date of hire, effective date of status change, etc.). - During the annual benefits enrollment period: October 21–November 4, 2024. The choices you make at this time
will remain in place through December 31, 2025. If you do not sign up for benefits during your initial eligibility period or during open enrollment, you will not be able to elect coverage until the next open enrollment period or unless you experience a qualifying life event. - Within 30 days of a qualifying life event.
Since a portion of your benefit premiums are paid with pre-tax dollars, IRS regulations prohibit you from making any changes to your benefit elections during the plan year, unless you experience a qualified life event. Election changes must be consistent with your life event.
WAYS TO ENROLL
- Contact the Benefits Concierge Center.
Benefit counselors are ready to assist you. Call year-round 7am to 6pm. MST, Monday–Friday. Interpreter services available.Note: Outside of annual open enrollment, the Benefits Concierge Center is closed on Mondays from 1:00-2:30pm MST; however, you can leave a voicemail and expect a return call the same business day.
- Self-enroll in your benefits using Workday!
Log into the Workday system. If you need assistance with your username and password, please contact the IT help desk at 303-436-3777.
Dependent Supporting Documentation
Adding a dependent for the first time to your coverage! Below are examples of the required supporting documentation needed to finalize your open enrollment elections! Please upload to the Open Enrollment documentation action in Workday, no later than November 4th!
- Marriage License or Certificate
- Affidavit of Common Law Marriage
- Affidavit of Domestic Partnership or state registry
- Birth Certificate, Hospital Certificate or The Hospital Birth Worksheet
- Adoption Court Papers
- Final Court Decree for legal guardianship
CHANGING YOUR BENEFITS
Due to IRS regulations, once you have made your elections for 2025, you cannot change your benefits until the next annual open enrollment period.
The only exception is if you experience a qualifying life event. Election changes must be consistent with your life event.
To request a benefits change, notify human resources or the Benefits Concierge Center (303-602-6947, option 2) within 30 days of the qualifying life event. Change requests submitted after 30 days cannot be accepted. You will need to provide supporting documentation that your event occurred within the last 30 days (60 days if Medicaid or Medicare related).
See below for required documentation if you experience a qualifying life event and need to change your benefits:
*Letters must be on the business letterhead and provided by a human resources representative or insurance carrier. This letter must provide type of coverage (medical, dental, vision, etc), covered individuals and date coverage was lost or gained. It is the employee’s responsibility to make sure the information provided is sufficient, timely and accurate.
KEY TERMS TO KNOW
Take the first step to understanding your benefits by learning these four common terms.
COPAY
A fixed dollar amount you may pay for certain covered services. Typically, your copay is due at the time of service.
DEDUCTIBLE
The amount you must pay each year for certain covered health services before your insurance plan will begin to pay.
COINSURANCE
After you meet your deductible, you may pay coinsurance, which is your share of the costs of a covered service.
OUT-OF-POCKET MAXIMUM
This includes copays, deductibles, and coinsurance. Once you meet this amount, the plan pays 100% of covered services the rest of the year.