Open Enrollment is October 1-31, 2024. Now is the time to look at how you used your health insurance this year, anticipate how you will use your health insurance next year, and fine-tune your package to match.
If you like the health insurance plans you have, you don’t need to do anything during Open Enrollment. Your elections will remain the same for 2025.
The 2025 DERP Retiree Health Insurance Guide was mailed to the address in your MyDERP.org account. The guide provides a wealth of information to help you select medical, dental, and/or vision plans for the upcoming year. Click here to download a digital copy of the guide.
You can also learn more about your 2025 insurance options by watching the 2025 DERP Retiree Health Insurance Video:
What’s new for 2025?
Medical
- Increase to the non-Medicare medical plan rates
- Increase to the Humana Medicare Advantage plan rates
- New Denver Health PPO plan offered by UnitedHealthcare
- $2,000 out-of-pocket cap on prescriptions on the Humana Medicare Advantage plans
- No change to the Kaiser Permanente Colorado Senior Advantage plan rate
- $1,500 out-of-pocket cap on prescriptions on the Kaiser Permanente Colorado Senior Advantage plan
Dental
- No change to the Cigna plan rates
- Increase to the Delta Dental plan rates
Vision
- Increase to the VSP vision plan rates
- Prescription glasses (including frames and lenses) now covered every year
How do you make changes to your health insurance plans?
All changes must be made through your MyDERP.org account.
If you modify your health insurance plan(s), how do you know your changes have been received?
When you modify your health insurance plan(s), you’ll see a message on your screen telling you your request has been submitted to DERP for approval. Your status will display Submitted Pending Approval.
After a membership services representative reviews your choices and verifies all necessary documentation is included, your status will change to Approved. This process may take up to three business days.
Do you need more information?
Click Retired Members on the navigation bar, select Health Insurance, and expand the 2025 Health Insurance Options accordion to view carrier presentations and download pamphlets.
What’s the deadline to make changes to your coverage?
Open Enrollment closes Thursday, October 31, 2024, at midnight Mountain Time. If you miss this deadline, you’ll have to wait until the next Open Enrollment period to make changes, unless you experience a qualifying life event.
When does your new health insurance plan coverage start?
Your new health coverage is effective Wednesday, January 1, 2025.
Questions?
Email Help@DERP.org. or call (303) 839-5419. Our hours for email and phone support are Monday-Friday, 7:30 a.m.-4:30 p.m.