Medical Benefits - Health Insurance
DPS offers eight unique plan options through Aetna and Kaiser Permanente. Each plan is selected to help you manage your health, your way. DPS also contributes money to help pay for the cost of these plans (called Benefit Credits). Each Employee Association (or union) has their own Benefit Credit amounts.
Aetna and Kaiser Permanente Carriers
- Aetna provides high-quality care through a diverse network of distinguished, high-quality healthcare providers associated with hospitals and facilities throughout Denver. Aetna provides a 24/7 nurse line to answer any urgent medical questions.
- Kaiser Permanente provides high-quality care and coverage in one place for a connected, coordinated experience. At most medical offices, you can see a doctor, get labs and X-rays, and pick up a prescription in one location. Kaiser Permanente doctors are part of the largest multi-specialty medical group in the state, offering preventive and specialty care, a 24/7 medical advice line, and other video, phone, online care options.
High Deductible Plans
You have to meet the deductible level before the insurance provider starts to pay for a portion of services. Employees are eligible to contribute to a pre-tax savings plan, called a Health Savings Account (HSA), so that money is available to pay for services applied towards their deductible. DPS contributes an additional $27.92 per paycheck directly to the HSA of employees enrolled in a high deductible plan.
If you select the plan with a $3,500 deductible, the cost you pay semi-monthly from your paycheck, or premium, will be less than if you select the plan with a $1,350 deductible. With 100% preventive care coverage, an individual with few medical expenses may choose a higher deductible plan as the premiums are the lowest. Conversely, an individual with specialized medical needs might choose a lower deductible plan, as the insurance provider starts to pay for a portion of services once the deductible is met.
With the high deductible plans, preventive medications are free of charge.
Deductible HMO Plans
You have to meet the deductible level of $1000 before the insurance provider starts to pay for a portion of some services, and there are copays for other services. A copay is a fee paid to receive the service, such as a $60 copay for a specialist office visit.
Employees who participate in the HMO are eligible to contribute to a pre-tax spending plan, called the Flexible Spending Account. DPS discounts the cost of the HMO premiums an additional $27.92 per paycheck. This discounted cost is reflected in the rate shown on the Benefits Enrollment Site and in the enrollment guide.
With the Deductible HMO plans, there is a set copay for prescriptions, depending on whether they are generic, preferred, or specialty drugs.
- Preventative care is always covered 100% including an annual preventative visit to your primary care doctor.
- DPS provides a semi-monthly benefit credit to help offset the cost of medical premiums
- Determine the amount of your benefit credit on your Employee Association page in our Benefits Enrollment Guide (available in English and Spanish)
- Pay attention to the costs of the different options:
- Think about whether you want to pay more out of each paycheck (premium cost) but less when you need care (deductible or out-of-pocket max), or vice versa;
- For all the specifics you need, visit our Benefits Enrollment Guide (available in English and Spanish)
- Is your current doctor in your new provider’s network?
- Remember you can only enroll in a Health Savings Account (HSA) if you are enrolled in a qualified-high deductible health plan (CDHP).
Are you and/or your family eligible for free or low-cost insurance? Call the DPS Medicaid department to find out and receive more information at 720-423-3661.
How to Enroll
You can enroll during the open enrollment period each spring, or during your new hire open enrollment period when you join Team DPS. You’ll be prompted to sign up as you go through the benefit enrollment process. Enrollment outside of our annual Open Enrollment period is restricted to specific situations. See the Qualifying Life Event page for additional information on mid-year changes.
How to Change
You may make changes to your enrollment during Open Enrollment each year or if you experience a Qualifying Life Event. Visit the Qualifying Life Event page to learn more about what events allow for benefit changes, what you need to do, and deadlines for appropriate paperwork.
I was auto-enrolled. Now what?
Go to our Auto-Enrolled page for information on your plans and what to do next.
- Member Resource Guide
- Kaiser Permanente Mental Health and Wellness Resources:
Team DPS Presents:
Your Benefits (automatic download)
Your benefits for 2020 - 2021 (automatic download)
Learn about Aetna's network, plan types,
and unique offerings for DPS employees.
Kaiser Permanente Presents:
Understanding Health Insurance Basics (automatic download)
Learn about health insurance terms
- including "deductible", "out of pocket maximums", and more -
in this webinar from Kaiser Permanente. This webinar is ideal for both
Aetna and Kaiser Permanente members to feel confident when
making decisions for your health needs.
Benefits Changes & PERA
In July 2019, PERA made some changes to the way they calculate your contributions. Because of this, we have changed the way your benefit credits look on your paystubs. You will still receive the same amount of benefit credits.
View These Articles to Learn More:
- Employee paystub changes effective 10/22/19
- For PERA Eligible employees prior to July 1, 2019
- For PERA Eligible employees on or after July 1, 2019
- For PERA Eligible & Grandfathered Employees Who Take Cash Instead of Benefits
What benefits am I enrolled in?
- To view the benefits you have elected during the 2019 annual benefits open enrollment period, employees are encouraged to select/opt in to an email confirmation at the end of the enrollment process. Confirmation statements are participants’ proof of elections during the open enrollment period. Please save a copy of your confirmation. To email the confirmation to your personal email address, close the pop-up window after the first email address is entered and then select send email again to enter a second email address.
- To view your benefits selections for the 2019-20 plan year, click here to log in and view your Confirmation Statement (bottom of the page, under Benefits).
What is my employee association?
Determine your employee association here.
What if I don’t pay union dues? Am I still part of that employee association?
Yes, regardless of whether you pay dues or not, you are still part of your designated employee association.
What plan should I choose?
To learn more about available medical plans, please review the Benefits Enrollment Guide. We also recommend that you use the Plan Decision Tool within the Benefits Enrollment site if you are uncertain about which medical plan to choose.
How much does DPS contribute to my benefits?
- Benefit Credits: Benefit credits are what DPS contributes to offset your cost for premiums for medical, dental, and vision plans. Most employees are eligible to receive them. The amount varies by employee association and how many hours you work a week.
- Medical Subsidy: Employees who don’t receive benefit credits may qualify for a medical subsidy, which is a discount off the cost of your premiums for medical plans.
- Child Subsidy: All benefit-eligible employees qualify to receive a child subsidy to offset the cost of premiums for medical plans that cover children.
- HSA or HMO Subsidy: Employees who enroll in one of the CDHP medical plans and open a Health Savings Account (HSA) are eligible to receive this subsidy. You are not required to make HSA contributions to receive this subsidy, however it is recommended that you do so. Employees enrolled in a DHMO plan automatically receive the HMO subsidy as a premium discount.
How will I receive my benefit credits and/or subsidies?
- Benefit Credits: Listed under deductions on your paystub. They show as a negative number, which means it is a credit to you and lowers the cost of the premium. Benefit Credits are automatically applied to discount the cost of your medical premium.
- Medical Subsidy: This will not appear on your paystub, but will be automatically applied to discount the cost of your medical premium.
- Child Subsidy: This will not appear on your paystub, but will be automatically applied to discount the cost of your medical premium.
- HSA or HMO Subsidy: HSA subsidies will be automatically added to your HSA account twice a month. HMO subsidies will be automatically applied to discount the cost of your medical premiums and will not appear on your paystub.
Do I need to provide documentation during open enrollment (i.e., marriage/birth certificates)?
No. Documentation is not required during open enrollment. If you need to change your benefits after a qualifying life event (such as a birth, marriage, or divorce) and are eligible to change benefits during the plan year, documentation may be required.
When can I change/update/stop supplemental benefits? When do they start?
Supplemental Benefits include: Critical Illness, Accident, Hospital, and Legal Supplemental Insurance; Auto, Home and Pet Insurance; Life Insurance & Disability Insurance; Long-Term Care Insurance and the Denver Teachers Club Voluntary Payroll Protection Plan & Assistance Fund.
You can enroll or change supplemental benefits during the new hire and open enrollment periods. You can drop coverage at any time by emailing email@example.com and completing required forms.
What’s the difference between pre-tax and post-tax? When would I want to select either?
- Pre-tax: The cost of your benefits is deducted from your paycheck before taxes are calculated, and you are therefore only taxed on your remaining paycheck balance. You pay less in taxes with this option.
- Post-tax: The cost of your benefits is deducted from your paycheck after taxes are calculated. You pay more taxes with this option.
- Employees who are within three years of retirement may want to select post-tax deductions to maximize pensionable income under Colorado PERA.You will be prompted to select pre or post-tax on one of the Benefits Enrollment screens during your enrollment selections. Although Health Saving Account (HSA) contributions are deducted on a pre-tax basis, it does not count against the highest average salary calculated by Colorado PERA.
** Pre-tax and post-tax selections can only be changed during open enrollment or during a qualifying life event.
When will I get my insurance cards?
- Aetna: For annual enrollment, you will receive your insurance card in the mail by July 1. (Note: Not all employees will get new ID cards. Only new hires, those with dependent changes, those with name changes, and those with network changes will be mailed an ID card). You can also download a digital version of your card from your Aetna.com account.
- Kaiser Permanente: You will receive your insurance card in the mail within 10 days of your coverage start date. You can also print a copy or download a digital version of your card by logging into your Kaiser account online or the KP app.
What happens if I need medical care outside of the Denver Metro area?
All individuals enrolled in an AETNA or Kaiser Permanente medical plan are covered for urgent and emergency care anywhere in the world. Covered means that expenses will apply towards your deductibles and out of pocket maximums, and insurance will cover the claim as if it were within the network. Urgent and emergency care are defined by each provider.
- AETNA: 1-800-556-1555
- Routine services aren’t covered outside of the Denver Metro area, so make sure to get them before your trip if you’re traveling elsewhere. Routine services include prevention, exams, checkups, and services for ongoing medical conditions.
- If possible, talk through symptoms with your provider prior to visiting a medical facility.
- Kaiser Permanente: 951-268-3900
- For those subscribers and dependents who are located in a state where Kaiser Permanente has a service area, kp.org/travel explains how to access care. Visiting members are able to get most of the same services in the region that they are visiting as they would in their home region. Please note that there are no age or time restrictions for visiting members.
- If possible, talk through symptoms with your provider prior to visiting a medical facility.
- AETNA: 1-800-556-1555
I have a child who is away at college and needs medical coverage. What do I do?
Children under 26 years of age may be covered under their parents’ medical, dental, and vision insurance plans. Both Kaiser and Aetna offer plans/benefits for dependents who live outside of the Denver-metro area. Check to see if your provider has doctors and medical offices in the area where your child will be living.
- AETNA: offers an Out-of-Area (OOA) Dependents Plan for dependents who permanently live outside of the Front Range. For more information or to enroll, email firstname.lastname@example.org with your full name and phone number; and your dependent’s full name, date of birth, address, phone number, and relationship to you.
- Kaiser Permanente: For those dependents who are outside of a Kaiser Permanente service area and under the age of 26, the out of area benefit covers them for limited office visits, diagnostic x-rays, RX refills and therapy visits. For more information, call 877-883-6898.