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
Open Enrollment
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.
| Term | Month(s) |
|---|---|
| Spring | February - May |
| Summer Term 1 | June |
| Summer Term 2 | July |
| Summer Term 3 | August |
| Fall | September - December |
Monthly Premium Rates
| 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
| 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
| 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 |
Vision Benefits Overview
| 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
|
|
||
|---|---|---|
| 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 Reimbursement Account | |
|---|---|---|
| Description | Owned by employee and portable | PEBP owned and funded |
| Employee Contributions 2022(optional) | Limit $3,650 for individual coverage or $7,300 for family coverage (2 or more), additional $1,000 for catch up for 55 years or older | Not Permitted |
| Base Contribution |
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. | |
Resources
Additional Resources
- Benefit Provider Information
- Comparison of Health Plans
- Flexible Spending Account
- Guide to your Health Concerns
- Medicare and your university health insurance coverage
- Open Enrollment Information
- Patient Protection and Affordable Care Act
- PEBP's E-PEBP Portal
- Public Employee Benefits Program
- PY 2022 All Rates
- Qualifying Life Event Guide
- Virtual Health Care Provider Services
- Voluntary Benefits