Health Reimbursement Arrangement
Unsubsidized Dependents Covered under a PEBP Plan
- An unsubsidized dependent is an otherwise eligible spouse/domestic partner or dependent child who remains covered under PEBP while the primary Plan participant transitions medical coverage to the Medicare Exchange.
- Termination of a primary participant’s coverage will result in termination of the unsubsidized dependents.
- Unsubsidized dependents enrolled in the CDHP, LD, EPO or HMO plan can decline their coverage at any time (coverage ends the last day of the month of notification).
Unsubsidized Dependents Covered under the Medicare Exchange
- An unsubsidized dependent is an otherwise eligible spouse/domestic partner who transitions to the Medicare Exchange and elects PEBP dental coverage, while the primary Plan participant remains covered under a PEBP Plan.
- Termination of a primary participant’s coverage will result in termination of the unsubsidized dependent.
- Unsubsidized dependents enrolled in the Medicare Exchange with PEBP dental coverage can decline their coverage at any time (coverage ends the last day of the month of notification).
I was initially hired on or after January 1, 2012. Will I be eligible for the retiree health insurance premium subsidy at retirement?
I am covered under the EPO plan in Northern Nevada. However, I am moving to Las Vegas. May I keep my Northern Nevada EPO Plan?
My spouse/domestic partner is covered under their own employer’s group health plan, may I also cover them on my plan?
A spouse or domestic partner who is eligible for other employer group coverage is not eligible for coverage as a dependent under this plan. Exceptions may apply if the employer group coverage is determined to be significantly inferior. “Significantly inferior” refers to a plan that offers limited benefits, such as a mini-med plan or a catastrophic plan with a $5,000 or greater individual deductible and the plan is not coupled with an HSA or HRA.
I am under 26 years old and covered as a child under my parent’s PEBP plan. If I become eligible for PEBP benefits as a state employee, will I need to enroll in my own coverage?
A dependent child under the age of 26 years who is covered as a dependent on his or her parent’s PEBP Plan, and who later becomes eligible for their own PEBP coverage as a primary PEBP participant, may decline primary coverage as an active employee and retain coverage as a dependent on his or her parent’s plan; or the newly eligible employee (dependent) may enroll in their own coverage as a primary PEBP participant.
Employees hired on the first day of the month are eligible for benefits on their date of hire. Employees hired on the second day through the last day of the month are eligible for benefits on the first day of the month following their date of hire. For example, if you were hired on June 1, your benefit eligibility would begin that day. If you were hired on June 2, your benefit eligibility would begin July 1.
Date of Hire
Coverage Effective Date
Date Enrollment Must Be Completed
Dates Supporting Documents Must Be Submitted
Default Coverage Date
|June 1st||June 1st||June 30th||June 30th||June 30th
Coverage Effective June 1st
|June 2nd||July 1st||July 31st||July 31st||July 31st
Coverage Effective July 1st
My spouse/domestic partner is covered under his/her employer’s group health plan. If they lose coverage from their employer, do I need to wait until open enrollment to add him/her as a dependent on my plan?
You will not have to wait until open enrollment to add your spouse/domestic partner. The loss of employer-sponsored group coverage is a qualified family status event. However, you must complete the dependent loses coverage event in your E-PEBP portal within 60-days of the date your spouse/domestic partner’s other coverage ended. This event requires a certificate of credible coverage letter with the dependent’s full name and date of termination of coverage, and a copy of your certified marriage certificate or certificate of domestic partnership to complete the event.
I am a surviving spouse of a deceased active employee/retiree, can I maintain my insurance coverage?
The covered dependents of a deceased active employee who had 10 or more years of service credit may continue coverage by re-joining the program as a survivor within 60 days of the employee’s death. Survivor dependent(s) of retirees who were covered on the date of the retiree’s death have the option either to continue or cancel PEBP coverage.