Benefits-eligible employees can make changes to their elections for themselves, spouse/domestic partners, and/or dependents up to the age of 26. This includes enrollment into:
- Consumer Driven Health Plan high-deductible PPO
- Low Deductible PPO plan
- HMO plan
The following PEBP voluntary benefits are processed through the e-PEBPportal. During open enrollment you can elect, change, and/or waive these benefits:
- Accident plan (The Standard)
- Auto policies
- Buy-up vision plan (VSP)*
- Critical illness plan (The Standard)
- Health savings account
- Home policies
- Hospital indemnity plan (The Standard)
- ID theft protection
- Legal plan (Nationwide LegalEase)*
- Pet insurance
- Voluntary life insurance (The Standard)
PEBP Online Login Instructions
New Users
- Visit the PEBP login portal
- Click on “register”
- Enter your last name, the last 4 digits of your social security number, and your date of birth
- Select “continue”
- Select a password and choose answer questions for account security
- Submit your open enrollment election
- Save the confirmation page for your records
Returning Users
- Visit the PEBP login portal
- Enter your Social Security number with no hyphens or spaces (example: 123456789)
- Enter your password
If you do not remember your password, click the “forgot password” link to answer the challenge questions or receive a password reset link via email. If you get locked out, call PEBP directly at 800-326-5496 to reset your password.
Making Changes to PEBP Benefits
You must complete the open enrollment process if you are:
- Changing plans: Employees can change plans between the Consumer Driven high-deductible PPO (CDH-PPO), the Low-Deductible PPO, and the HMO plan.
- Declining coverage: Please note that if you decline coverage, you are also declining the $25,000.00 basic life insurance.
- Adding or deleting dependent(s): Upload required supporting documents (marriage certificate, birth certificate, domestic partnership certificate, etc.) through the e-PEBP portal by June 15, 2023.
- Establish a Health Savings Account (HSA):
- If you were previously ineligible for the HSA or were defaulted to an HRA and are now eligible for the HSA, you will need to complete open enrollment to establish your HSA.
- Reminder: HRA funds do not transfer to the HSA. If you switched to an HSA account, any funds on the HRA account will need to be exhausted prior to June 30, 2023. Any balances in the HRA account will be returned to PEBP.
If you are not making changes to your group health insurance, no action is required.
PEBP Health Insurance Plan Rates & Details
| Plan Type | CDHP High-Deductible PPO | Low-Deductible PPO with Copay | HMO |
|---|---|---|---|
| Employee only | $46.96 | $68.14 | $161.00 |
| Employee + spouse | $251.00 | $293.36 | $479.10 |
| Employee + child(ren) | $123.46 | $152.60 | $280.30 |
| Employee + family | $327.52 | $377.82 | $598.40 |
| Type | Statewide CDHP-PPO | Low-Deductible PPO Plan with Copay | HMO |
|---|---|---|---|
| Deductible | $1,500 / $3,000 | $0 / $0 | N/A (only applicable to Tier 4 Specialty Prescriptions) |
| (Individual deductible within family plan) | $2,800 | $0 | N/A (only applicable to Tier 4 Specialty Prescriptions) |
| Out of pocket max | $4,000 / $8,000 | $4,000 / $8,000 | $5,000 / $10,000 |
| (Individual out of pocket max within family plan) | $6,850 | $4,000 | $5,000 |
| Coinsurance | 20% | 20% | N/A |
| Primary care visit | 20% after deductible | $30 | $25 |
| Specialist visit | 20% after deductible | $50 | $25 with a referral, $40 without a referral |
| Emergency room visit | 20% after deductible | $750 | $600 |
| Urgent care visit | 20% after deductible | $80 | $50 |
| Inpatient hospital | 20% after deductible | 20% after deductible | $600 |
| Outpatient surgery | 20% after deductible | $500 | $50 ambulatory facility, $350 hospital |
| Telemedicine | $49 (Dr. On Demand) | $10 (Dr. On Demand) | $0 (24/7 Advice Nurse) |
| Type | Statewide CDHP-PPO | Low-Deductible PPO Plan with Copay | HMO |
|---|---|---|---|
| Locate a pharmacy OR price a medication tool | Express Scripts | Express Scripts | OPTUM Rx |
| Generic | 20% after deductible | $10 | $10 |
| Formulary | 20% after deductible | $40 for 30-day retail, $80 for 90-day retail and mail | $40 for 30-day retail, $80 for 90-day mail |
| Non-formulary | 20% after deductible | $75 for 30-day retail, $150 for 90-day retail and mail | $75 for 30-day retail, $187.50 for 90-day mail |
| Specialty | 20% after deductible | 30% after deductible | 20% after deductible ($100 individual, $200 family) |
| All other services | 20% after deductible | 20% after deductible | N/A |
| Type | Statewide CDHP-PPO | Low-Deductible PPO Plan with Copay | HMO |
|---|---|---|---|
| Vision exam | Plan pays 80% after deductible | $10 copay, maximum benefit of $100 per annual exam* | $10 copay, maximum benefit of $100 per annual exam |
| Hardware (frames, lenses, contacts) | Not covered | $10 copay for prescription eyeglasses, maximum benefit of $100 every 24 months | $10 copay for prescription eyeglasses, maximum benefit of $100 every 24 months |
|
*Out-of-network providers will be paid at Usual and Customary (U&C). One annual vision exam, up to a maximum annual benefit after copayment. For additional information about the voluntary buy-up vision plan, log in to your E-PEBP portal and select PEBP+ Voluntary Benefits. |
|||
| Dental Plan design features | In-Network | Out-of-Network | |
|---|---|---|---|
| Plan year deductible | $100 per person or $300 per family (3 or more) | $100 per person or $300 per family (3 or more) | |
| Plan year maximum | $2,000 per person | $2,000 per person | |
|
Preventive services** Teeth cleaning (4/plan year), oral examination (4/plan year), bitewing x-rays (2/plan year) |
Covered 100% Not subject to deductible Does not apply towards plan year max benefit |
80% of allowable fee schedule for the Las Vegas area for participants using an out-of-network provider within the in-network service area; OR for services received outside of Nevada, the plan will reimburse at the usual and customary rates | |
|
Basic services** Full-mouth periodontal cleanings, fillings, extractions, root canals, full-mouth x-rays |
You pay 20% coinsurance after deductible is met | 50% (after deductible) of allowable fee schedule for the Las Vegas area for participants using an out-of-network provider within the in-network service area; OR for services received outside of Nevada, the plan will reimburse at the usual and customary rates | |
|
Major Services** Bridges, crowns, dentures, tooth implants |
You pay 50% coinsurance after deductible is met | 50% (after deductible) of allowable fee schedule for the Las Vegas area for participants using an out-of-network provider within the in-network service area; OR for services received outside of Nevada, the plan will reimburse at the usual and customary rates | |
| **Allowable fee schedule applies. Family deductible may be met by any combination of eligible dental expenses of three or more members of the same family coverage tier. No one single family member will be required to contribute more than the equivalent of the individual deductible toward the family deductible. Under no circumstances will the combination of in-network and out-of-network benefit payments exceed the plan year maximum benefit of $2,000. | |||
Health Savings Account (HSA)
PEBP contributes seed money to a Health Savings Account (HSA) to help offset out-of-pocket medical and prescription expenses and deductibles.
To qualify for an HSA, participants:
- Must be enrolled in a consumer-driven high-deductible health plan
- Cannot have other medical coverage
- Cannot be claimed as a dependent on someone else’s tax return (excludes join returns)
- You or your spouse cannot be enrolled in a Medical Flexible Spending Account or HRA, but you may be enrolled in a Limited Scope or Dependent Care FSA
HSA PEBP Base Contribution (participants enrolled in the CDHP on August 1 or thereafter will receive a pro-rated amount for the remainder of the plan year):
- $600 per year
- For plan year 2024, PEBP will provide an additional one-time contribution for state active employees:
- $600 - Employee only coverage
- $700 - Employee + child(ren) OR employee + spouse
- $800 - Employee + family
- You can use these contributions to pay for out-of-pocket medical and prescription costs, including deductibles. If you qualify for the HSA, you can elect to contribute additional money on a pre-tax basis to your HSA.
Employee maximum contribution for calendar year 2023:
- $3,850 for individuals
- $7,750 for families (two or more individuals)
- $1,000 catch-up for age 55+
- Please note that the PEBP contribution is included in this limit
Health Reimbursement Arrangement (HRA)
Employees who do not qualify for an HSA, receive seed money from PEBP in a Health Reimbursement Account (HRA) to offset out-of-pocket medical and prescription costs, including deductibles.
PEBP Contribution Rate (participants enrolled in the CDHP on August 1 or thereafter will receive a prorated amount for the remainder of the plan year):
- $600 per year
- For plan year 2024, PEBP will provide an additional one-time contribution for state active employees:
- $600 - Employee only coverage
$700 - Employee + child(ren) OR employee + spouse
$800 - Employee + family
- $600 - Employee only coverage
Employees cannot add money to an HRA account.
Resources
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Explanation from the IRS on Health Savings Account (HSA) and Flexible Spending Account (FSA) rules and recent developments.
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A complete list of expense categories that HSA funds can be used for.
Contact
Contact the UNLV benefits team at 702-895-3504 or HRBenefits@unlv.edu with questions.