The Core Benefits Package

The Core Benefits Package is available to full-time active employees. Read more about what is included in with your benefits package below:

Consumer Driven Health Plan (CDHP) with a Health Savings Account (HSA)

  • Preventive Care (medical and dental) covered 100% when using in-network participating providers
  • $1,500 Individual/$3,000 Family Deductible (Family Deductible features an embedded $2,600 Individual Family Member deductible)
  • Statewide PPO Network - preferred provider network in Nevada
  • First Health Network - national preferred provider network available to participants that reside in Nevada and are accessing services outside of Nevada
  • Aetna - national preferred provider network available to participants that reside outside of Nevada and are accessing services outside of Nevada
  • Health Savings Account (HSA)
  • Receive tax-free contributions from PEBP
  • Employees may voluntarily contribute to their HSA through pre-tax payroll deductions
  • Use your HSA funds to pay out-of-pocket medical expenses during the deductible and/or coinsurance phase of benefits
  • Employee contributions are tax deductible from gross income
  • Funds grow-tax deferred
  • Funds carry over from one year to the next (no "use-it-or-lose-it" provision)
  • HSA Frequently Asked Questions (FAQs)
  • How HSA Benefits Can Add Up
  • Annual Vision Exam (paid at 100% of Usual and Customary, maximum $120 per plan year)
  • Prescription drug coverage (subject to deductible and annual out-of-pocket maximum)
  • Diabetic Supplies - Receive an annual glucose monitor and/or a 90 day supply of test strips, Lancets, and Insulin Syringes - $50 copayment applies to each 90-day supply item. If the actual cost is less, you pay the actual cost. There is no cost for the blood glucose monitor (out-of-network subject to deductible and co-insurance)
  • Diabetes Care Management Program - for primary participants and spouses/domestic partners who have diabetes. RN Care Managers work closely with you and your doctors to provide extra support and education to help you manage your diabetes
  • Doctor on Demand - (DOD) connects you face-to-face with a board-certified doctor or licensed psychologist (by appointment) on your smartphone, tablet or computer through live video. To learn more, watch the Doctor on Demand video here: http://www.doctorondemand.com/pebp. The cost for a medical visit is $40; the cost for a behavioral health visit is $50 for a 25 minute appointment and $95 for a 50 minute appointment. View the Doctor on Demand FAQ or flyer for more information.
  • Doctor on Demand - To get started today, download the Doctor on Demand Registration Guide to learn how to set up your account using a mobile device, tablet or desktop.

Consumer Driven Health Plan (CDHP) with a Health Reimbursement Arrangement (HRA):

  • Preventive Care (medical and dental) covered 100% when using in-network participating providers
  • $1,500 Individual/$3,000 Family Deductible (Family Deductible features an embedded $2,600 Individual Family Member deductible)
  • Statewide PPO Network - preferred provider network in Nevada
  • First Health Network - national preferred provider network available to participants that reside in Nevada and are accessing services outside of Nevada
  • Aetna - national preferred provider network available to participants that reside outside of Nevada and are accessing services outside of Nevada
  • Health Reimbursement Arrangement (HRA) with PEBP contributions
  • HRA funds may be used to pay for out-of-pocket qualified health expenses
  • HRA debit card
  • HRAs are not portable; funds revert to PEBP if an employee's coverage is terminated under the CDHP
  • Annual Vision Exam (paid at 100% of Usual and Customary, maximum $120 per plan year)
  • Prescription drug coverage (subject to deductible and annual maximum out-of-pocket)
  • Diabetic Supplies - Receive an annual glucose monitor and/or a 90 day supply of test strips, Lancets, and Insulin Syringes - $50 copayment applies to each 90-day supply item. If the actual cost is less, you pay the actual cost. There is no cost for the blood glucose monitor (out-of-network subject to deductible and co-insurance)
  • Diabetes Care Management Program - for primary participants and spouses/domestic partners who have diabetes. RN Care Managers work closely with you and your doctors to provide extra support and education to help you manage your diabetes
  • Doctor on Demand - (DOD) connects you face-to-face with a board-certified doctor or licensed psychologist (by appointment) on your smartphone, tablet or computer through live video. To learn more, watch the Doctor on Demand video here: http://www.doctorondemand.com/pebp. The cost for a medical visit is $40; the cost for a behavioral health visit is $50 for a 25 minute appointment and $95 for a 50 minute appointment. View the Doctor on Demand FAQ or flyer for more information.
  • Doctor on Demand - To get started today, download the Doctor on Demand Registration Guide to learn how to setup your account using a mobile device, tablet or desktop.

Health Plan of Nevada HMO

Health Plan of Nevada (HPN) is offered to members who work or reside in Clark County, Esmeralda County, and parts of Nye County. This plan offers affordable copays and your benefits are easy to understand and access.

For maximum coverage and the lowest out-of-pocket expenses, please be sure to choose your primary care provider (PCP) when you enroll in in HPN. As your partner in health, your PCP will help coordinate all of the health care services you need.

  • Every member of your family may choose a different PCP
  • You may select a pediatrician as your child's PCP
  • All female members ages 14 and older may choose an OB/GYN in addition to a PCP

Note: You may change your PCP at any time. Changes become effective on the first day of the following month. For example, a change made on January 16 becomes effective on February 1. To change your PCP, call HPN Member Services at 702-242-7300 or 877-545-7378.

The HPN provider directory contains information to help narrow your choices. You'll find the specialty, office address, telephone number, and board certification status of every contracted provider in the HPN network. You can view the provider directory here.

  • Low, fixed out-of-pocket costs
  • No annual deductibles
  • No coinsurance
  • No claim forms
  • No pre-existing condition exclusions or limitations
  • Primary care physician required (will coordinate and monitor your care)
  • Timely access to care requirements.
  • 100% preventive care benefit
  • Urgent care and emergency care services covered nationwide and worldwide
  • Large pharmacy network including mail-order prescription program
  • Fast Cares with same- or next-day appointments
  • Online web portal
  • Online appointment scheduling and express check-in at Southwest Medical Associates
  • Online access to medical and prescription records
  • Health education programs

HPN offers expanded statewide access through a special, limited network reciprocity arrangement with Hometown Health Plan. You can access Hometown Health Plan's providers for urgently needed or emergent services while traveling in northern Nevada. Students away at school for a longer duration in northern Nevada may access Hometown Health Plan's providers for certain routine, urgent, and emergent services. This access is available subject to your applicable HPN copayments without balance billing from the Hometown Health Plan providers.

For detailed information regarding HPN's plan design, view HPN's Evidence of Coverage Certificate under the Plan Benefits & Documents section of this site.

Hometown Health Plan HMO

Hometown Health Plan (HHP) is offered to members residing in northern Nevada.

  • Open Access (gives you the ability to see select in-network specialists without seeing your PCP first)
  • World-wide coverage for emergency and urgent care
  • No annual deductibles
  • No co-insurance
  • No pre-existing condition exclusions or limitations
  • Primary care physician selection required
  • 100% preventative care benefits
  • Free health and wellness educational programs
  • Health Management offers Diabetes, Heart, Lung, and Nutrition/ Weight Management programs
  • Community flu shots clinics
  • Health Hotline - 24/7 nurse triage service
  • Centralized scheduling for 60 medical providers
  • 15 locations including urgent care clinics, emergency, and pediatric emergency services

HHP offers expanded statewide access through a special, limited network reciprocity arrangement with Health Plan of Nevada (HPN). You can access HPN's providers for urgently needed or emergent services while traveling in southern Nevada. Students away at school for a longer duration in southern Nevada may access HPN's providers for certain routine, urgent, and emergent services. This access is available subject to your applicable Hometown Health Plan copayments without balance billing from the HPN providers.

For detailed information regarding HHP's plan design, view HHP's Evidence of Coverage Certificate under the Plan Benefits & Documents section of this site.

Dental Plan - Included with medical plan

  • $1,500 benefit maximum per plan year for Basic and Major services per covered individual
  • $100 Individual Deductible/$300 Family Deductible (3 or more family members)
  • Preventive benefits - 4 teeth cleanings, bitewing x-rays, and fluoride/dental sealants (children under age 18) paid 100% when using PPO dental network providers (not subject to deductible or annual benefit maximum)
  • Basic services such as fillings and root canals are paid at 80% after deductible
  • Major services such as crowns, bridges, and dentures are paid at 50% after deductible
  • Provider network for State of Nevada participants: Diversified Dental Services, Inc.
  • Provider network for all other states: Principal Dental Provider Network

Basic Life Insurance and other benefits included with the medical plan

Eligible employees enrolled in a PEBP-sponsored medical plan receive $25,000 in Basic Life Insurance coverage.

Repatriation Benefit: If you pass away more than 200 miles from your primary place of residence, the plan will pay for expenses incurred to transport your body to a mortuary near your primary place of residence, but not to exceed $5,000 or ten percent of the Life Insurance Benefit.

Travel Assistance: A comprehensive program of information, referral, assistance, transportation and evacuation services designed to help your respond to medical situations and many other emergencies that may arise during travel. Travel Assistance also offers pre-travel assistance, which gives you access to information regarding passport and visa requirements, foreign currency, and worldwide weather. All services are provided by United Healthcare Global. If you have questions, contact The Standard toll free at 888-288-1270.

Long Term Disability Insurance - Included with medical plan

Long Term Disability (LTD) Insurance is designed to help protect you against a loss of income in the event you become disabled and are unable to work for an extended period of time. If your LTD claim is approved, benefits become payable at the end of the 180-day Benefit Waiting Period (no benefits are paid during the Benefit Waiting Period).

The monthly LTD benefit is based on your earnings from the State of Nevada or participating public agency. Your monthly LTD benefit is 60 percent of the first $12,500 of your monthly earnings, as defined by the group insurance policy, reduced by deductible income. For more information about the LTD benefit, see the LTD Certificate of Insurance or contact The Standard at 888-288-1270.

Pre-Medicare Retiree Medical Plan Options

Consumer Driven Health Plan (CDHP) with a Health Reimbursement Arrangement (HRA)

  • Preventive Care (medical and dental) covered 100% when using in-network participating providers
  • $1,500 Individual/$3,000 Family Deductible (Family Deductible features an embedded $2,600 Individual Family Member deductible)
  • Statewide PPO Network - preferred provider network in Nevada
  • First Health Network - national preferred provider network available to participants that reside in Nevada and are accessing services outside of Nevada
  • Aetna - national preferred provider network available to participants that reside outside of Nevada and are accessing services outside of Nevada
  • Health Reimbursement Arrangement (HRA) with PEBP contributions
  • HRA funds may be used to pay for out-of-pocket qualified health expenses
  • HRA debit card
  • HRAs are not portable; funds revert to PEBP if a retiree’s coverage is terminated under the CDHP
  • Annual Vision Exam (paid at 100% of Usual and Customary, maximum $120 per plan year)
  • Prescription drug coverage (subject to deductible and annual maximum out-of-pocket)
  • Diabetic Supplies - Receive an annual glucose monitor and/or a 90 day supply of test strips, Lancets, and Insulin Syringes - $50 copayment applies to each 90-day supply item. If the actual cost is less, you pay the actual cost. There is no cost for the blood glucose monitor (out-of-network subject to deductible and co-insurance)
  • Diabetes Care Management Program - for primary participants and spouses/domestic partners who have diabetes. RN Care Managers work closely with you and your doctors to provide extra support and education to help you manage your diabetes. This program also can help lower your out-of-pocket expenses.
  • Doctor on Demand - (DOD) connects you face-to-face with a board-certified doctor or licensed psychologist (by appointment) on your smartphone, tablet or computer through live video. To learn more, watch the Doctor on Demand video here: http://www.doctorondemand.com/pebp. The cost for a medical visit is $40; the cost for a behavioral health visit is $50 for a 25 minute appointment and $95 for a 50 minute appointment. View the Doctor on Demand FAQ or flyer for more information.
  • Doctor on Demand - To get started today, download the Doctor on Demand Registration Guide to learn how to set up your account using a mobile device, tablet or desktop.

Health Plan of Nevada HMO

Health Plan of Nevada (HPN) is offered to retirees who reside in Clark County, Esmeralda County, and parts of Nye County. This plan offers affordable copays and your benefits are easy to understand and access.

For maximum coverage and the lowest out-of-pocket expenses, please be sure to choose your primary care provider (PCP) when you enroll in HPN. As your partner in health, your PCP will help coordinate all of the health care services you need.

  • Every member of your family may choose a different PCP
  • You may select a pediatrician as your child's PCP
  • All female members ages 14 and older may choose an OB/GYN in addition to a PCP

Note: You may change your PCP at any time. Changes become effective on the first day of the following month. For example, a change made on January 16 becomes effective on February 1. To change your PCP, call HPN Member Services at 702-242-7300 or 877-545-7378.

The HPN provider directory contains information to help narrow your choices. You'll find the specialty, office address, telephone number and board certification status of every contracted provider in the HPN network. View the provider directory.

  • Low, fixed out-of-pocket costs
  • No annual deductibles
  • No coinsurance
  • No claim forms
  • No pre-existing condition exclusions or limitations
  • Primary care physician required (will coordinate and monitor your care)
  • Timely access to care requirements.
  • 100% preventive care benefit
  • Urgent care and emergency care services covered nationwide and worldwide
  • Large pharmacy network including mail-order prescription program
  • Fast Cares with same- or next-day appointments
  • Online web portal
  • Online appointment scheduling and express check-in at Southwest Medical Associates
  • Online access to medical and prescription records
  • Health education programs

HPN offers expanded statewide access through a special, limited network reciprocity arrangement with Hometown Health Plan. You can access Hometown Health Plan's providers for urgently needed or emergent services while traveling in northern Nevada. Students away at school for a longer duration in northern Nevada may access Hometown Health Plan's providers for certain routine, urgent, and emergent services. This access is available subject to your applicable HPN copayments without balance billing from the Hometown Health Plan providers.

For detailed information regarding HPN's plan design, view HPN's Evidence of Coverage Certificate under the Plan Benefits & Documents section of this site.

Hometown Health Plan HMO

Hometown Health Plan (HHP) is offered to retirees residing in northern Nevada.

  • Open Access (allows you to see select in-network specialists without seeing your PCP first)
  • World-wide coverage for emergency and urgent care
  • No annual deductibles
  • No co-insurance
  • No pre-existing condition exclusions or limitations
  • Primary care physician selection required
  • 100% preventative care benefits
  • Free health and wellness educational programs
  • Health Management offers Diabetes, Heart, Lung, and Nutrition/ Weight Management programs
  • Community flu shots clinics
  • Health Hotline - 24/7 nurse triage service
  • Centralized scheduling for 60 medical providers
  • 15 locations, including urgent care clinics, emergency, and pediatric emergency services

HHP offers expanded statewide access through a special, limited network reciprocity arrangement with Health Plan of Nevada (HPN). You can access HPN's providers for urgently needed or emergent services while traveling in southern Nevada. Students away at school for a longer duration in southern Nevada may access HPN's providers for certain routine, urgent, and emergent services. This access is available subject to your applicable Hometown Health Plan copayments without balance billing from the HPN providers.

For detailed information regarding HHP's plan design, view HHP's Evidence of Coverage Certificate under the Plan Benefits & Documents section of this site.

Dental Plan

  • $1,500 benefit maximum per plan year for Basic and Major services per covered individual
  • $100 Individual Deductible/$300 Family Deductible (3 or more family members)
  • Preventive benefits - 4 teeth cleanings, bitewing x-rays, and fluoride/dental sealants (children under age 18) paid 100% when using PPO dental network providers (not subject to deductible or annual benefit maximum)
  • Basic services such as fillings and root canals are paid at 80% after deductible
  • Major services such as crowns, bridges, and dentures are paid at 50% after deductible
  • Provider network for State of Nevada participants: Diversified Dental Services, Inc.
  • Provider network for all other states: Principal Dental Provider Network

Basic Life Insurance and other benefits included with the medical plan

Eligible retirees enrolled in a PEBP-sponsored medical plan receive $12,500 in Basic Life Insurance coverage.

Repatriation Benefit: If you pass away more than 200 miles from your primary place of residence, the plan will pay for expenses incurred to transport your body to a mortuary near your primary place of residence, but not to exceed $5,000 or ten percent of the Life Insurance Benefit.

Travel Assistance: This is a comprehensive program of information, referral, assistance, transportation, and evacuation services designed to help you respond to medical situations and many other emergencies that may arise during travel. Travel Assistance also offers pre-travel assistance, which gives you access to information regarding passport and visa requirements, foreign currency, and worldwide weather. All services are provided by United Healthcare Global. If you have questions, contact The Standard toll free at 888-288-1270.

Medicare Retiree Plan Options

PEBP is contracted with Towers Watson’s OneExchange (OneExchange) to help Medicare retirees and their dependents transition from PEBP’s group coverage (PPO or HMO plans) to a medical plan offered by OneExchange.

OneExchange – Individual Market Medicare Exchange

As you approach age 65 and Medicare eligibility (or under age 65 and approved for Medicare Parts A and B, because you are receiving Social Security Disability benefits), OneExchange is a resource that gives you access to a Medicare marketplace that includes a wide variety of plans from the nation’s leading health insurers. They understand that your health care decisions are important and can be confusing. It’s their job to make this process easier.

To help you decide which individual plan is right for you, you’ll have the assistance and expertise of a licensed benefit advisor. During your enrollment, your benefit advisor will help you compare, select, and enroll in the plan(s) that fits your needs and your budget.

Exchange - Health Reimbursement Arrangement (HRA)

Eligible retirees enrolled in a medical plan through OneExchange (and retirees enrolled in Tricare for Life and Medicare Parts A and B) receive a monthly Years of Service contribution to a Health Reimbursement Arrangement (HRA).

Monthly HRA contributions are based on the retirees years of service and date of retirement. Eligible retirees may use the HRA money for reimbursement of the following:

  • Medical, dental, and vision premiums
  • Medicare Part B premium
  • Qualified out-of-pocket health care expenses for medical, dental, and pharmacy expenses

HRA funds may be used to reimburse health care expenses (including medical, dental, vision, and Medicare Part B premiums) for both the retiree and their eligible tax dependents as defined by IRS Publication 502 available at www.irs.gov.

View Exchange HRA contributions

View Towers Watson's One Exchange HRA Presentation (PDF)

Medicare Retirees Covering a Non-Medicare Dependent(s)

Retirees with Medicare Parts A and B who cover non-Medicare dependents have the option of retaining coverage under the CDHP or HMO plan until the non-Medicare dependent ages into Medicare or the retiree removes all non-Medicare dependents from their plan.

Tricare for Life

Eligible retirees enrolled in Tricare for Life are not required to enroll in a medical plan through OneExchange to receive the Years of Service contribution to a Health Reimbursement Arrangement (HRA).

Medicare Exchange Plan Options

The Medicare Exchange offers a variety of plan options including Medigap (Supplemental), Part D Prescription Drug and Medicare Advantage Plans, and dental and vision plans.

Medigap:

Medigap plans fill the “gaps” in original Medicare Parts A and B coverage, meaning they help pay the difference between the total costs and the amount original Medicare pays. These plans provide additional coverage for your doctor visits and hospital stays as well as other expenses partially covered by original Medicare. Medigap plans do not provide prescription drug coverage; however, Part D Prescription Drug coverage may be purchased separately.

Medicare Advantage Plan (MAPD):

MAPD includes prescription drug coverage. An MAPD Plan provides an all-in-one plan that bundles your Part A, Part B, and prescription drug coverage together with additional benefits. These plans provide coverage for your doctor visits, hospital stays, and prescription drug expenses.

To learn more, view the PEBP and OneExchange or PEBP and Medicare documents. You may also contact OneExchange at 888-598-7545 or visit the website for more information.

Dental Plan (optional)

  • $1,500 benefit maximum per plan year for Basic and Major services per covered individual
  • $100 Individual Deductible/$300 Family Deductible (3 or more family members)
  • Preventive benefits - 4 teeth cleanings, bitewing x-rays, and fluoride/dental sealants (children under age 18) paid 100% when using PPO dental network providers (not subject to deductible or annual benefit maximum)
  • Basic services such as fillings and root canals are paid at 80% after deductible
  • Major services such as crowns, bridges, and dentures are paid at 50% after deductible
  • Provider network for State of Nevada participants: Diversified Dental Services, Inc.
  • Provider network for all other states: Principal Dental Provider Network

Basic Life Insurance and other benefits

Eligible retirees enrolled in a medical plan through OneExchange receive $12,500 in Basic Life Insurance coverage.

Repatriation Benefit: If you pass away more than 200 miles from your primary place of residence, the plan will pay for expenses incurred to transport your body to a mortuary near your primary place of residence, but not to exceed $5,000 or ten percent of the Life Insurance Benefit.

Travel Assistance: This is a comprehensive program of information, referral, assistance, transportation, and evacuation services designed to help you respond to medical situations and many other emergencies that may arise during travel. Travel Assistance also offers pre-travel assistance, which gives you access to information regarding passport and visa requirements, foreign currency, and worldwide weather. All services are provided by United Healthcare Global. If you have questions, contact The Standard toll free at 888-288-1270.