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 Introduction to Employee Benefits here.

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 Table

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
  • Aetna Signature Administrators PPO Network - 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 Usual and Customary, maximum $95 per plan year with a $25 copay)
  • Prescription drug coverage (subject to deductible and annual out-of-pocket maximum)
  • Preventive Drug Plan - Provides plan participants access to certain preventive medications without having to meet a deductible, and will instead only be subject to coinsurance.  The drugs covered under this benefit include categories of prescription drugs that are used for preventive purposes or conditions, such as hypertension, asthma or high cholesterol. For more information on this benefit, see the Express Scripts Preventive Drug Flyer
  • Diabetes Care Management Program - Offered to all CHDP participants and their covered dependents.  Provides participants in the program the ability to purchase diabetes related medications, such as insulin, at a co-pay and not be subject to deductible or co-insurance.
  • 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).
  • 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 primary care visit is $49; the cost for a psychology visit is $79 for a 25 minute appointment and $119 for a 50 minute appointment; the cost of a psychiatry visit is $229 for an initial 45 minute appointment and $99 for a 15 minute follow-up appointment. View the Doctor on Demand FAQ or flyer for more information. 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
  • Aetna Signature Administrators PPO Network - 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 $95 per plan year, $25 copay)
  • Prescription drug coverage (subject to deductible and annual maximum out-of-pocket)
  • Preventive Drug Plan - Provides plan participants access to certain preventive medications without having to meet a deductible, and will instead only be subject to coinsurance.  The drugs covered under this benefit include categories of prescription drugs that are used for preventive purposes or conditions, such as hypertension, asthma or high cholesterol.
  • Diabetes Care Management Program - Offered to all CHDP participants and their covered dependents.  Provides participants in the program the ability to purchase diabetes related medications, such as insulin, at a co-pay and not be subject to deductible or co-insurance.
  • 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).
  • 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 primary care visit is $49; the cost for a psychology visit is $79 for a 25 minute appointment and $119 for a 50 minute appointment; the cost of a psychiatry visit is $229 for an initial 45 minute appointment and $99 for a 15 minute follow-up appointment. View the Doctor on Demand FAQ or flyer for more information. 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 Maintenance Organization (HMO)

For Plan Year 2018, two HMO plan design options will be offered.  It is recommended that those interested in enrolling in an HMO option review and compare both options to ensure the plan is right for you. Please refer to the Plan Comparison Table for more information on coverage and benefits or contact the carrier directly.

Health Plan of Nevada HMO

STANDARD PLAN:

Health Plan of Nevada (HPN) Standard Plan is offered to members who work or reside in Clark County, Esmeralda County, and 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.

  • Open access (referrals not required to see an in-network specialist)
  • 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
  • Online web portal
  • Online appointment scheduling and express check-in at Southwest Medical Associates
  • Online access to medical and prescription records
  • Health education programs

Eligible dependents enrolled in an accredited college, university or vocational school anywhere in the United States will now be able to access a plan contracted network provider for needed PCP or urgent/emergent services at the in-network level of benefits.  With the exception of Urgent or Emergent Services, Prior Authorization will still be required for all covered services outside of the HPN Service Area to receive in plan benefits. While attending school in Northern Nevada, students are able to directly access the Northern   Nevada HPN HMO Network of physicians.

Participants and their dependents will now be able to access a plan contracted network provider for certain covered services while traveling in the United States, and unanticipated healthcare issues occur.  Other than Urgent or Emergent services, Prior Authorization will be required or the member may be subject to non-plan benefits.  While traveling from Southern Nevada to Northern Nevada, HPN Members are allowed to directly access the Northern Nevada HPN HMO Network of physicians.

ALTERNATE PLAN:

Health Plan of Nevada (HPN) Alternate Plan is offered to members who work or reside in Clark County, Esmeralda County, and Nye County.

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.

  • Closed access, referrals required to see an in-network specialist
  • 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
  • Online web portal
  • Online appointment scheduling and express check-in at Southwest Medical Associates
  • Online access to medical and prescription records
  • Health education programs

Eligible dependents enrolled in an accredited college, university or vocational school anywhere in the United States will now be able to access a plan contracted network provider for needed PCP or urgent/emergent services at the in-network level of benefits.  With the exception of Urgent or Emergent Services, Prior Authorization will still be required for all covered services outside of the HPN Service Area to receive in plan benefits. While attending school in Northern Nevada, students are able to directly access the Northern Nevada HPN HMO Network of physicians.

Participants and their dependents will now be able to access a plan contracted network provider for certain covered services while traveling in the United States, and unanticipated healthcare issues occur.  Other than Urgent or Emergent services, Prior Authorization will be required or the member may be subject to non-plan benefits.  While traveling from Southern Nevada to Northern Nevada, HPN Members are allowed to directly access the Northern Nevada HPN HMO Network of physicians.

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

STANDARD PLAN:

The Hometown Health (HTH) Standard Plan is offered to members residing in northern Nevada.  This plan covers those participants in all Nevada counties except for Nye, Esmeralda and Clark counties.

  • Open access (referrals not required to see an in-network specialist)
  • Hometown Health Network coverage in Northern Nevada and One-Health Network for Southern Nevada coverage. For emergency care outside of Nevada, members should utilize the PHCS/Multiplan network
  • No annual deductibles
  • No co-insurance
  • No pre-existing condition exclusions or limitations
  • Primary care physician selection required
  • 100% preventive 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
  • HometownRx - pharmacy benefit management (PBM) services
  • Centralized scheduling for 60 medical providers
  • 15 locations including urgent care clinics, emergency, and pediatric emergency service

ALTERNATE PLAN:

The Hometown Health (HTH) Alternate Plan is offered to members residing only in certain counties in northern Nevada.  This plan is offered only in Carson City, Churchill, Douglas, Lyon, Storey and Washoe counties.

  • Closed access (referrals required to see an in-network specialist)
  • Hometown Health Network coverage in Northern Nevada.  For emergency care, members should utilize the One-Health Network for in Southern Nevada and the PHCS/Multiplan network for coverage outside of Nevada.
  • No annual deductibles
  • No co-insurance
  • No pre-existing condition exclusions or limitations
  • Primary care physician selection required for those over 19 years old
  • 100% preventive 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
  • HometownRx - pharmacy benefit management (PBM) services
  • Centralized scheduling for 60 medical providers
  • 15 locations including urgent care clinics, emergency, and pediatric emergency services

For detailed information regarding HTH's plan design, view HTH'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 dental 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 Basic Life plan - Included with 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 things like 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.

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 $10,000 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 and AD&D 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 (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 (888) 288-1270. Flexible Spending Accounts – Offered by HealthSCOPE Benefits

Flexible Spending Accounts – Offered by HealthSCOPE Benefits

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
  • 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 (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, and 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 (800) 637-7026 or email gary.bishop@libertymutual.com