Changing Your Benefits
Certain changes in life can impact your insurance - like getting married, having a baby, or losing health coverage - and allow you to make changes to or enroll in health insurance outside of DPS’ annual Open Enrollment period.
The IRS allows DPS to offer tax free medical benefits to help you save on medical costs. However, we must follow IRS regulations around benefit changes (Qualifying Life Events). DPS follows the regulations from the IRS regarding Qualifying Life Events and changes to your benefits.
In most cases, you have 30 days from the date of the event to complete the Benefits Change Form and submit all required documents.
+ Types of Qualifying Life Events
There are four basic types of Qualifying Life Events that allow you to make changes to your benefits outside of Open Enrollment. Here are some examples for each type - this is not a complete list. Check this site for a more inclusive list of qualifying life events.
- Losing health coverage
- Losing job based, individual, or student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage from a guardian’s plan
- Change in household
- Getting married or divorced
- Having a baby or adopting a child
- Change in residence
- Moving out of network
- Moving to or from a shelter or other transitional housing
- Other, miscellaneous events
- Changes in income or DPS FTE status (example: moving from full time to part time work)
- Becoming a US citizen
- AmeriCorps members starting or ending their service
+ Special Enrollment Periods for Complex Issues
Sometimes things get complicated! If you’re not sure if an event might qualify you for a change in your benefits, check out the IRS’ Special Enrollment for Complex Issues page. Here the IRS posts notices for people who may be eligible for something that isn’t on the regular list - such as a natural disaster.
+ How to Access
If all required documentation is included in your request, you will receive confirmation of your change within 10 business days of your submission. Benefits are effective the first of the month following the Qualifying Life Event. For births and adoptions: changes are effective on the date of the event.
Aetna Members: Get everything you need on the Aetna Portal or call Aetna at 1-855-736-9469.
Kaiser Members: Access everything for your plan on the Kaiser Permanente Site or call Kaiser at 303-338-3800 (current members) or 303-338-3990 (prospective members).
+ Who to Contact
Email firstname.lastname@example.org or call 720-423-3900.
+ Can I change all my benefits or just a few of them?
A qualifying life event opens up a 30-day window in which all your DPS benefits can be changed.
+ Can I drop my DPS benefits if I am eligible to enroll in Medicaid?
"Qualifying" or becoming eligible for Medicaid does not enable you to drop DPS benefits. To cancel DPS benefits, you must have been approved and enrolled in Medicaid’s coverage.
+ Do I have 60 days to submit if I just qualified for Medicaid?
Once an employee is enrolled in coverage through Medicare, Medicaid, or CHIP+, they have a 60 day window to submit a Benefits Change Form and supporting documentation. Supporting documentation must state the employee or dependent’s name and the start date of their new coverage.