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, and a $15,000 term basic life insurance plan.

News from the Public Employees' Benefits Program

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 2021-2022
Plan Type Statewide CDHP-PPO Low Deductible PPO HMO 
Employee Only $44.63 $64.27 $144.18
Employee + Spouse $240.77 $280.05 $439.87
Employee + Child(ren) $118.18 $145.19 $255.06
Employee + Family $314.33 $360.98 $550.77

Medical Benefits Overview

Medical
  Statewide CDHP-PPO Low Deductible PPO HMO
Find a Provider Aetna Signature Administrators  Aetna Signature Administrators Medical - My HPN State of Nevada
Deductible $1,750 / $3,500 $500 / $1,000 $150 / $300 (Only applicable to Tier 4 Specialty Prescriptions)
(Individual deductible within family plan) $2,800 $500 $150 (Only applicable to Tier 4 Specialty Prescriptions)
Out of pocket max $5,000 / $10,000 $5,000 / $10,000 $5,000 / $10,000
(Individual out of pocket max within family plan) $6,850 $5000 $5000
Coinsurance 20% 20% N/A
Primary care visit 20% after deductible $30 $25
Specialist visit 20% after deductible $50 $40
Emergency room visit 20% after deductible $750 $750
Urgent care visit 20% after deductible $80 $50
Inpatient hospital 20% after deductible 20% after deductible $750
Outpatient surgery 20% after deductible $500 $350

Prescription Benefits Overview

Pharmacy
RX Statewide CDHP - PPO Low Deductible PPO plan 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 $40
Non-formulary 20% after deductible $75 $75
Specialty 20% after deductible 30% after deductible 30% after deductible

*Preventive Drug List

Vision Benefits Overview

Vision
  Statewide CDHP - PPO Low Deductible PPO HMO
Find a Provider  No  network available; can see any Vision Provider No  network available; can see any Vision Provider Vision - My HPN State of Nevada
Vision Exam

$25 copayment

Maximum benefit of $95 per annual exam

$10 copayment

Maximum benefit of $100 per annual exam

$10 copayment

Maximum benefit of $100 per annual exam

Eyeglasses, Frames, or Contact Lenses Not covered

$10 copayment for prescription eyeglasses

Maximum benefit of $100 every 24 months

$10 copayment for prescription eyeglasses

Maximum benefit of $100 every 24 months

Dental Benefits Overview

Dental
For all Statewide CDHP-PPO, Low Deductible PPO and HMO participants
  In-Network Out-of-Network
Locate a Provider Diversified Dental Services Diversified Dental Services
Plan Year Maximum $1,500 per participant
(per plan year)
$1,500 per participant
(per plan year)
Plan Year Deductible $100 per person, $300 per
family (family, 3 or more)
$100 per person, $300 per
family (family, 3 or more)
Preventive Care
4 cleanings and exams
2 sets of bitewing x-rays
Plan pays 100%; not
subject to deductible
Plan pays 80%; not
subject to deductible
Basic Services
Fillings, extractions, root
canals, full mouth x-rays
Plan pays 80%; after
deductible
Plan pays 50%; after
deductible
Major Services
Bridges, crowns,
dentures, tooth implants
Plan pays 50%; after
deductible
Plan pays 50%; after
deductible
Orthodontia Services No Benefit No Benefit

Health Savings Account vs Health Reimbursement Arrangement

Only available when selecting PPO - Consumer Driven Health Plan. (Not available under Low Deductible or HMO plans)

Health Savings Account
  Health Savings Account Health Reimbursement Account
Description Owned by employee and portable PEBP owned and funded
Employee Contributions 2021(optional) Limit $3,600 for individual coverage or $7,200 for family coverage (2 or more), additional $1,000 for catch up for 55 years or older Not Permitted
Base Contribution
$600 contributed by PEBB for full 2021 - 2022 plan year. Prorated if hired during plan year.
Prorated if hired during plan year.

Basic Life Insurance

  CDHP - PPO and HMO
Basic Life Insurance $15,000/ Employee
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.

Basic Life Insurance