Welcome to the State of Nevada Public Employees’ Benefits Program (PEBP). Here, you will find all of the resources you need as a new-hire, including information on: enrollment, medical plan options, and voluntary product offerings.

Browse the below information to help you get started, or view the Benefit Guide.

Start of Coverage

Employees working in a full-time position with a state agency, participating non-state agency, or the Nevada System of Higher Education (NSHE) are eligible for benefits on:

  • The first day of full-time employment or the date of the contract, if that date is the first day of the month; or
  • The first day of the month immediately following the first day of full-time employment or contract date if the first day of employment/contract date is on or after the second day of the month.
    • For example, an employee starting full-time employment on June 2nd would become eligible for benefits on July 1.

Completing Enrollment

As a new benefits-eligible employee you must enroll or decline coverage and submit any required supporting documents (if adding dependents) within 15 days after the first day of employment or no later than the last day of the month coverage is scheduled to become effective.

Default Enrollment

Failure to enroll or decline coverage within the specified timeframe will result in coverage being defaulted to the Consumer Driven Health Plan (CDHP) with a Health Reimbursement Arrangement (HRA) and self-only coverage. Employees enrolled in the CDHP will pay a monthly premium for that coverage.

Plan Year

Benefits are based on a fiscal year, rather than a calendar year. The plan year starts July 1st and ends June 30th. The benefits you select at initial enrollment will remain in effect through June 30th, unless you experience a qualifying life event that allows you to make changes to your coverage.

PEBP provides a comprehensive benefit package to eligible employees, offering medical, prescription drug, dental, vision, $25,000 basic life, and long-term disability insurance. In addition to the core benefits package, you also have the option to enroll in voluntary product offerings (information on which can be found on the "Voluntary Products Offerings" tab of this page).

To view a side by side comparison of plans, view the Plan Comparison.

Note: The information below contains general plan benefits and may not include additional provisions or exclusions. For more in-depth plan benefits, please refer to the applicable Master Plan Document.

Statewide Consumer Driven Health Plan (PPO)

The CDHP is a Preferred Provide Organization (PPO) plan administered by PEBP. The benefits offered with the CDHP includes medical, prescription drug, vision and dental coverage. The CDHP is a high-deductible plan which provides a Health Savings Account (HSA) for eligible employees and a Health Reimbursement Arrangement (HRA) for active employees who are ineligible for the HSA.

CDHP with a Health Savings Account (HSA)

CDHP with a Health Reimbursement Arrangement (HRA)

Click here for a quick overview of HSA vs HRA.

Premier (EPO) Plan  - Northern Nevada

The Premier Plan is an Exclusive Provider Organization (EPO) plan administered by PEBP. The benefits offered with the Premier Plan includes medical, prescription drug, vision and dental coverage. This plan has no deductible and runs off of copayments.

Health Plan of Nevada (HMO) - Southern Nevada

Health Plan of Nevada is a Health Maintenance Organization (HMO) plan. The benefits offered with Health Plan of Nevada includes medical, prescription drug, vision and dental coverage. This plan has no deductible and runs off of copayments.

Included Benefits with Medical Plan Enrollment

Dental Plan 

Basic Life Insurance and Other Benefits

Long Term Disability Insurance




Voluntary products are additional coverage options (for things like extra life insurance or renters' insurance) that employees can choose to enroll in. They are 100 percent employee-paid and are administered by the vendor offering the product.

Voluntary Life Insurance – Offered by The Standard Insurance

  • If you are enrolled in a PEBP-sponsored medical plan, you are insured for Basic Life Insurance. You may also apply for Voluntary Life coverage to supplement the Basic Life amount. Employees may apply for any multiple of $5,000 up to a maximum of $500,000. Evidence of insurability may be required depending on the amount you apply for and when you apply.
  • For answers to commonly asked questions, exclusions, limitations, and reductions, please review the Voluntary Life Insurance Booklet for Active Employees and Certification of Insurance.
  • Use the links below to guide you in calculating the amount of voluntary life insurance coverage you may need. For more information, contact The Standard toll free at 1-888-288-1270.

Life Insurance Needs Estimator
Life Insurance Premium Calculator

Voluntary Short Term Disability – Offered by The Standard Insurance

Employees enrolled in a PEBP-sponsored medical plan have the opportunity to purchase Voluntary Short Term Disability (STD) Insurance. STD is designed to pay you a benefit in the event you cannot work because of a covered illness, injury, or pregnancy. This benefit replaces a portion of your income, thus helping you meet your financial commitments in times of need.

The plan provides three options with various benefit waiting periods: Option A: 7 days, Option B: 14 days, Option C: 30 days. The weekly STD benefit is 60% of the first $2,500 of your weekly earnings, reduced by deductible income. The maximum STD benefit is $1,500 per week. For more information, contact The Standard toll free at 1-888-288-1270.

Flexible Spending Accounts – Offered by HealthSCOPE Benefits

Please note: Nevada System of Higher Education (NSHE) employees will need to contact their Human Resources Department for more information on the Flexible Spending Accounts offered to them.

Flexible Spending Accounts (FSAs) provide a way to pay out-of-pocket (un-reimbursed) health care expenses (Medical FSA) and dependent care expenses (Dependent Care FSA) on a before-tax basis.
Health Care (medical) FSAs, sometimes referred to as a medical FSA or general purpose FSA, is a savings option for active employees covered under a PEBP-sponsored medical plan.

Health Care FSA (when you do NOT have an HSA)

You may include all qualifying medical, dental, and vision expenses not covered or not reimbursed by insurance which are incurred by the taxpayer or eligible dependents during the plan year for medical care.

Limited Purpose/Scope FSA (when you DO have an HSA)

A Limited Purpose/Scope Flexible Spending Account is a savings option for active employees covered under a PEBP-sponsored medical plan. A Limited Purpose/Scope health FSA is limited to reimbursements for only eligible FSA dental and vision expenses.

Dependent Care FSA

A dependent care FSA is a great way to pay dependent care expenses and lower your taxable income. Here's how it works:

  • You direct part of your before-tax pay into a special account to help pay work-related dependent care costs
  • You can use your account throughout the year to help pay for eligible expenses
  • Your expense must be for the purpose of allowing you and, if married, your spouse to be employed
Qualifying Dependent

A dependent care FSA helps reimburse you for the work-related cost of care for a qualifying dependent. A qualifying dependent is:

  • A tax dependent of yours who is under age 13, or
  • Any other tax dependent of yours, such as an elderly parent, who is physically or mentally incapable of self-care and has the same principle residence as you, or
  • A spouse who is physically or mentally incapable of self-care and has the same principle residence as you
    For more information, contact HealthSCOPE Benefits at 1-888-763-8232.

Long-Term Care Insurance - Offered by UNUM

Long-Term Care Insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. For more information:

NSHE employees can contact Nikki Pecorino at 775-813-5309
Employees working for a state agency can contact Karla DeCrescenzo at 775-722-5907

Auto, Home, RV and Renters’ Insurance – Offered by Liberty Mutual Insurance

Retirees have the option of purchasing automobile, homeowners, renters, condo, boat, and RV insurance at special group discounts. Liberty Mutual also offers convenient payment options such as automatic deductions from checking and savings accounts. For more information, contact Liberty Mutual at 1-800-637-7026 or email gary.bishop@libertymutual.com