Health Insurance Plans

UNLV’s group health plan offers a comprehensive medical package that includes your choice of a health insurance plan, dental, vision, prescription, a $25,000 term life insurance plan, and long-term disability insurance. Learn more about each of these benefits below.

Eligibility Overview

Coverage for benefit eligible positions begins on the first day of the month concurrent with, or following, the effective date of your date of hire. If your position begins after the first day of the month, your coverage will not begin until the first day of the following month.

Coverage ends the last day of the month in which your employment ends.

Employees eligible for health insurance coverage include:

  • Academic and Administrative Faculty at least 50% Full Time Employment (FTE).
  • Classified Staff (working at least 80 hours per month)
  • Post-Doctoral Scholars
  • Letter of Appointment at least 50% FTE
  • Part Time Instructors (benefit eligibility depends on number of credits teaching per semester). Refer to chart for months eligible for health insurance by each semester teaching.
Part-Time Instructor Health Coverage Eligibility
Term Month(s)
Spring February - May
Summer Term 1 June
Summer Term 2 July
Summer Term 3 August
Fall September - December

Monthly Premium Rates

Rates - Plan Year 2019-2020
  PPO - Consumer Driven High Deductible Plan HMO Plan Health Plan of Nevada
Employee Only $30.95 $137.47
Employee + Spouse $160.01 $415.95
Employee + Child(ren) $82.97 $275.84
Employee + Family $212.02 $554.32

Medical Benefits Overview

Medical
Benefit Category PPO - Consumer Driven Health Plan (CDHP) -- PPO Health Maintenance Organization (HMO)
Annual Deductible In Network Out-of-Network

No Deductible

Note: You must select a primary care physician.

These deductibles calculate separately.

$1,500 individual

$3,000 family ($2,700 individual family member deductible)

$,1500 individual

$3,000 family ($2,700 individual family member deductible)

Maximum Out of Pocket

$3,900 individual

$7,800 family

$6,850 individual family member out of pocket maximum (per plan year)

$10,600 individual

$21,200 family

$7,150 per person, per calendar year

$14,300 Family (per calendar year)

Lifetime Maximum Unlimited Unlimited Unlimited
Co-Insurance 80% 50% No Co-insurance
Cost for Primary Care Visit

20% Co-Insurance after deductible has been met (In-Network)

50% Co-Insurance after deductible has been met (Out-of-Network)

 

$20 copayment
Cost for Specialist visit $40 copayment
Urgent Care Visit $50 copayment
Emergency Room Visit $500 copayment
Hospital Inpatient $350 copayment
(Pre-Authorization Required)
General Laboratory Services No charge

Prescription Benefits Overview

Pharmacy
  PPO - Consumer Driven High Deductible Plan HMO PLAN
Health Plan of Nevada
Preventive Drug List (New)* 20% Co-insurance not subject to deductible (In-Network only) N/A
Tier 1 - Preferred Generic

20% Co-insurance after deductible has been met (In-Network)

50% Co-insurance after deductible has been met (Out-of-Network)

$10 copayment
Tier 2 -Preferred Brand

20% Co-insurance after deductible has been met (In-Network)

50% Co-insurance after deductible has been met (Out-of-Network)

$40 copayment
Tier 3 - Non-formulary

20% Co-insurance after deductible has been met (In-Network)

50% Co-insurance after deductible has been met (Out-of-Network)

$75 copayment
Tier 4 - Specialty N/A 20% coinsurance

Vision Benefits Overview

Vision
  PPO - Consumer Driven High Deductible Plan HMO PLAN
Health Plan of Nevada
Vision Exam $25 copayment $10 copayment every 12 months
Eyeglasses, Frames, or Contact Lenses Not covered $10 copayment/lenses & frames
$100 allowance, contacts in lieu of glasses $115 allowance

Dental Benefits Overview

Dental
  CDHP - PPO and HMO
Deductible $100 individual deductible
$300 family deductible
Preventive Care

4 cleanings/plan year
2 bite wing x-rays/plan year
Plan pays 100% (In-Network)
Plan pays 80% (Out-of-Newtwork)
Not subject to deductible

Basic Services Plan pays 80% (In-Network)
Plan pays 50% (Out-of-Network)
Subject to deductible
Major Services Plan pays 50% (In-Network)
Plan pays 50% (Out-of-Network)
Subject to deductible
Maximum Benefit $1,500 per participant (per plan year)

Health Savings Account vs Health Reimbursement Account

Only available when selecting PPO - Consumer Driven Health Plan.

Health Savings Account
  Health Savings Account Health Reimbursement Account
Description Owned by employee and portable PEBP owned and funded
Employee Contributions (optional) Limit $3,500 for individual coverage or $7,000 for family coverage (2 or more), additional $1,000 for catch up for 55 years or older Not Permitted
Base Contribution
$700 contributed by PEBB for full plan year. Prorated if hired during plan year.
Prorated if hired during plan year.
Per Dependent (maximum 3)
$200 contributed by PEBB for full plan year.
Prorated if hired during plan year.

Basic Life Insurance and Long Term Disability Insurance

Life Insurance and Long Term Disability
  CDHP - PPO and HMO
Basic Life Insurance $25,000/ Employee
Long Term Disability 60% pre-disability earnings capped at $7500/month
Whether you choose the CDHP or the HMO Plan, you receive these benefits. If you decline coverage, you will not be eligible for these benefits.

Annual Open Enrollment

Annual Benefit Open Enrollment is held May 1-31 for an effective date of July 1 each year.

Outside of the annual open enrollment, if a qualifying life event takes place (birth, adoption, marriage, divorce, or loss of medical coverage) participants are eligible to make changes to their plan within 60 days of the life event.

During the annual open enrollment, the benefits team holds outreach services at various campus locations, to answer questions.