Highlands Ranch is a 22,000-acre master-planned community founded in 1981. Highlands Ranch is located 12 miles south of Denver in Douglas County and offers a wonderful quality of life and opportunities for an active lifestyle. The community has a population of 99,741 people. The Metro District is committed to providing the following high quality municipal services while managing resources wisely for Highlands Ranch. As the local government in the community, the Highlands Ranch Metro District’s Board of Directors is comprised of seven elected board members who represent the citizens of Highlands Ranch.
Health Insurance Eligibility
When do my benefits start?
Effective date of coverage is the first day of the month following 30 days from date of hire.
When will my benefits end if I leave employment?
Insurance coverage will terminate the last day of the month in which you separate from employment with the District. Flex Spending Account participation will continue through the last day of employment.
You can cover a spouse, Civil Union partner, and children under age 26. Children can be covered to the end of the month in which the child turns age 26.
Special Enrollment Options
You are able to enroll in the future as long as you apply within 30 days of the loss of other coverage. Written proof of the loss of other coverage is required. Also, be sure to add new dependents within 30 days of “getting them”, whether it is a result of marriage, birth, adoption, or placement for adoption. If you do not enroll within 30 days, you must wait for the next Open Enrollment period.
Annual Open Enrollment
You are given the opportunity to change medical plans or add dependents during the annual open enrollment period in the fall. This is the only time you can make these changes except when a dependent’s coverage is lost or a change in family status occurs, according to HIPAA guidelines.
Medical, Dental, and Vision Insurance
Medical, Dental, Vision, and Prescription – Colorado Employer Benefit Trust (CEBT)
You have a choice of:
EPO – Exclusive Provider Organization, similar to HMO
KP-HMO40 – Kaiser Permanente, HMO
PPO – Preferred Provider Organization
HRP – Hospital Reimbursement Plan, optional secondary plan for employee only
4 Coverage Tiers:
Employee & Spouse
Employee & child(ren)
EPO Plan: Co-pays only, no deductible, and no referrals needed. THE PROVIDER NETWORK MUST BE USED; OTHERWISE CHARGES MAY NOT BE COVERED. (only exception is charges for out of network emergency treatment)
KAISER Plan: Co-pays only, no deductible. Prescription coverage. CONTRACTED KAISER PERMANENTE PROVIDERS MUST BE USED; OTHERWISE CHARGES MAY NOT BE COVERED. (only exception is charges for out of network emergency treatment)
PPO Plan: The PPO Plan is designed to offer flexibility in and out of network with a comprehensive nationwide network of physicians and hospitals. Deductible and co-insurance applies. Any provider may be seen, but the benefits are greater when choosing “In Network” providers.
HRP (Hospital Reimbursement Plan): A secondary plan for the employee only, who wishes to have another plan as his/her primary medical plan. Dental and vision coverage is included.
Dental: Any dentist may be seen, but you will receive the best benefit available by using a provider in the Delta Dental or Premier networks.
Vision: Vision Service Plan (VSP). Providers in the VSP network must be used.
Life/Accidental Death & Dismemberment and Long-Term Disability Insurance
All employees working 20 or more hours per week are enrolled. The District pays 100% of the premiums.
Life/Accidental Death & Dismemberment Insurance (AD&D): Benefit reduction begins at age 65. Insurance is portable; meaning that upon separation from employment, you may keep the same amount of coverage at your own expense.
Employee Life Insurance: Class - All Employees. Amount Of Life Insurance - The Lesser Of 2 Times Your Basic Yearly Earnings Or $450,000. Full Amount Of Ad&D Insurance - The Lesser Of 2 Times Your Basic Yearly Earnings Or $450,000.
Covered Dependent Life Insurance: Spouse - $5,000. Each child from live birth until 26th birthday - $2,000.
Long-Term Disability Insurance: Waiting Period 90 day waiting period before benefits begin. Benefit Percentage - 60% of the first $10,000 of pre-disability earnings, up to a maximum of $6,000.
Paid Time Off
Sick Leave Program
The District does not pay into Social Security. The pension plan is a Social Security Replacement Plan.
Additional Employee Benefits
Special Membership Programs, Employee Discounts, and Discount Tickets