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Open Enrollment

PEBP and NSHE open enrollment is held in the month of  May

This is the time during the year to review and evaluate your PEBP Health Insurance benefits and NSHE voluntary insurance options. Any changes made during the Open Enrollment Period will become effective July 1. If you do not make any changes, your current plan options and dependent coverage will continue and you will pay the associated premium.

Open Enrollment Options

During the open enrollment period, you may make the following changes:

  • Add/remove eligible dependents on medical coverage
  • Change medical plan
  • Elect to decline coverage
  • Enroll in voluntary benefit plans (example: flexible spending account, legal plan, voluntary life insurance, etc.)

Getting Started

Open enrollment for all benefits products takes place in either Workday (NSHE voluntary products) or the e-PEBP portal (medical products). Before making any changes, review what benefits you are currently enrolled in and determine what changes (if any) you would like to make.

e-PEBP portal Workday PEBP Guide

To Review Voluntary Benefits Offered by NSHE

  • Review outstanding benefit events in your Workday inbox and complete the event(s)
    • Otherwise, the open enrollment event will be on hold until the pending events have been completed
  • Select the “benefits” worklet within Workday
  • Select “benefits elections” under the view column

To Review PEBP Medical Coverage

  • Login to the e-PEBP portal 
  • Select "quick actions" under the "my benefits" column
  • Select “view my elections”

Important Changes for 2022-2023

  • May 1 - May 31: Open Enrollment for the NSHE voluntary products (FSA, flexible spending account and Metlife Legal Services)
  • May 16 - May 31: Open Enrollment for the PEBP Group Health Plan and PEBP voluntary benefits

UMR Inc. will be the new third party administrator (TPA) for PEBP replacing Healthscope Benefits effective July 1, 2022. 

  • Services to be provided by UMR Inc. include:
    • New Network providers for CDHP high deductible plan and Copay PPO plan
    • Administrator for the utilization management/case management services

    • Medical claims administrator for all PEBP self funded plans including the CDHP high deductible plan and the Copay PPO plan

    • Dental claims administrator for all plans including CDHP high deductible plan, the low deductible PPO plan and the HMO plan

    • Second opinion services

    • Telemedicine services

HSA Bank will be the new administrator for PEBP's Health Savings Account(HSA)/Health Reimbursement Arrangement (HRA)

  • HSA Bank will be replacing Healthscope Benefits effective July 1, 2022
  • The HSA/HRA account is only applicable to members enrolled in the CDHP High Deductible PPO plan
    • If you currently have HSA funds, you must transfer your existing Healthscope HSA to HSA Bank to avoid a monthly fee. (additional information to come)
    • If you have HRA funds in your account on June 30th , your balance will transfer automatically from Healthscope to HSA Bank; no action is required by you.

Information Sessions

The UNLV benefits team and PEBP are pleased to offer information sessions going over benefits, recent changes, and how to navigate the open enrollment process.

PEBP Information Sessions

These online virtual training sessions go over new benefit changes for plan year 2022-2023.

Date Time
May 4, 2022 10 a.m.-12 p.m
May 5, 2022 1:30 p.m.- 3:30 p.m
May 9, 2022

1 p.m.-3 p.m.

May 10, 2022 9 a.m.-11 a.m.
May 11, 2022 12 p.m.- 2 p.m.

Benefits Information Sessions

These webinars throughout May go over specific benefit-related topics. Each section will have a Q&A section to ask benefit representatives questions.

Date Time Webinar Topic
April 28, 2022 2-3 p.m. What to expect during open enrollment
May 3, 2022 2-3 p.m. Introduction to the copay PPO plan
May 5, 2022 11a.m. - 12 p.m Differences between high deductible PPO plan vs. copay PPO plan
May 10, 2022 2-3 p.m. Health Savings Account (HSA) and health reimbursement arrangement comparison
May 12, 2022 2-3 p.m. Advantages of having a flexible spending account
May 17, 2022 2-3 p.m. HMO plan basics
May 19, 2022 2-3 p.m. Pros and Cons of each plan: Why choose HMO/high deductible PPO/copay PPO?
May 24, 2022 2-3 p.m. Income protection benefits intro
May 26, 2022 2-3 p.m. Personal protection benefits intro

Benefits Drop-in Sessions

These virtual drop-in sessions are available via WebEx so the benefits team can individually help you with any open enrollment questions.

Date Time
May 11, 2022 2:30 p.m. - 4 p.m
May 18, 2022 2:30 p.m. - 4 p.m
May 25, 2022 2:30 p.m. - 4 p.m

PEBP Benefits

Benefits-eligible employees may make changes to their benefits for themselves and spouse/domestic partners and/or dependents up to the age of 26. This includes health insurance enrollment into the brand new low deductible plan, the PPO high deductible plan, and the HMO plan.

The following State of Nevada Public Employees Benefits Program (PEBP) benefits are processed through the e-PEBPportal. During open enrollment you will have the opportunity to elect, change, and/or waive the following voluntary benefits:

  • Health insurance
  • Accident plan
  • Auto policies
  • Buy-Up vision plan
  • Critical illness plan
  • Health savings account
  • Home policies
  • Hospital indemnity plan
  • ID theft protection
  • Legal plan (LegalEase)
  • Long Term Disability
  • Pet insurance
  • Short Term Disability 
  • Voluntary life insurance

Logging in to PEBP and Making Changes to Benefits

PEBP Online Login Instructions

New Users
  1. Visit PEBP’s login portal
  2. Click on “register”
  3. Enter your last name, last 4 digits of your social security number, and your date of birth
  4. Select “continue”
  5. Select a password and choose answer questions for account security
  6. Submit your open enrollment election
  7. Save the confirmation page for your records
Past Users
  1. Visit PEBP’s login portal
  2. Enter your Social Security number with no hyphens or spaces (example: 123456789)
  3. Enter your password

If you do not remember your password, click on the “Forgot Password” link and either answer the challenge questions correctly or receive a password reset link via email. If you cannot remember the answers to your challenge questions or otherwise get locked out, call PEBP directly at 800-326-5496 to reset your password.

Making Changes to PEBP Benefits

If you are not making any changes to your group health insurance, then no action is required. You will need to complete open enrollment processes online if you are:

  • Changing plans: PEBP will continue to offer the following medical plans: Consumer Driven High Deductible (CDHP), Copay PPO and HMO plans. Employees can only change between these three plans during open enrollment.
  • Declining coverage: Please note that if you decline coverage, you are also declining the $15,000.00 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 May 31, 2022.
  • Establish a Health Savings Account (HSA):
    • If you were previously not eligible for the HSA or were defaulted to an HRA and now are eligible for the HSA, you will need to complete open enrollment in order to establish your HSA)
    • Reminder: HRA funds do not transfer to the HSA. If you change to an HSA account, any funds on the HRA account will need to be exhausted prior to June 30, 2022. 

PEBP Health Insurance Plan Rates and Details

The approved monthly employee premium health insurance rates for July 1, 2022 - June 30, 2023 coverage is:

Plan Type
CDHP High Deductible PPO Plan
Copay PPO Plan    
HMO
Employee Only $46.96
$68.14
$161.00
Employee + Spouse $251.00 $293.37 $479.10
Employee + Child(ren) $123.46 $152.60 $280.30
Employee + Family $327.53
$377.82
$598.40

The below table details about deductibles, out of pocket maximums, copays, prescription drug pricing, and other plan information:

Plan Year 2023 (July 1, 2022 - June 30, 2023) Plan Details
Plan Type CDHP High Deductible PPO Plan Copay PPO Plan HMO
Deductible $1,500 / $ 3,000 $0.00 / $0.00 $100 / $200 (Only applicable to Tier 4 Specialty Prescriptions)
(Individual deductible within family plan) $2,800 $0 $100 (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 Copay with 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 $350
RX
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 N/A
Specialty 20% after deductible 30% after deductible 20% after deductible
All other services 20% after deductible 20% after deductible N/A
HSA employer contribution $600 N/A N/A
Basic Life Insurance (Active/Retiree) $15,000 / $7,500 $15,000 / $7,500 $15,000 / $7,500

Health Savings Account (HSA)

If you enroll in the Consumer Driven High Deductible Plan (CDHP), PEBP will provide seed money into a Health Savings Account (HSA) to help offset your out of pocket expenses. If you do not qualify for a HSA, you will still receive the seed money, but it will be in the form of a Health Reimbursement Arrangement Account (HRA).

Qualification Requirements
  • Participants have to be enrolled in a qualified high deductible health plan.
  • Participants must not have other medical coverage.
  • Participants cannot be claimed as a dependent on someone else’s tax return.

The PEBP contribution for a HSA/HRA is $600 per year. You may use these contributions to pay for your out-of-pocket medical and prescription costs, including your deductible. If you qualify for the HSA, you can also elect to contribute additional money on a pre-tax basis to your HSA. Maximum employee contribution is $3,650 for individuals and $7,300 for families (two or more individuals). Please note that the PEBP contribution is included in this limit.

If you do not qualify for the HSA, PEBP will open an HRA account for you. The HRA is owned by PEBP and you will not be eligible to add any money into an HRA account.

Benefit Elections in Workday

NSHE-offered voluntary products may be changed, added, or deleted year-round through the “benefits” worklet on your Workday homepage.

Benefits elections inside Workday include:

  • NSHE flexible spending plan - ASI Flex
    • Medical Flexible Spending Account
      • Healthcare FSA
      • Healthcare FSA (limited scope)
  • Dependent Care Flexible Spending Account
  • Life Insurance - Western Insurance
  • Accidental Death and Dismemberment (AD&D) - Hartford Life
  • Cancer Care - American Fidelity
  • Short Term Disability - American Fidelity
  • Critical Illness - Metlife
  • Personal Accident - Metlife
  • Hospital Indemnity - Metlife
  • Metlife Legal Plans

Open Enrollment Process

The NSHE FSA medical and dependent care accounts require re-enrollment each year during the open enrollment period. Note: Do not fill out the state’s FSA form. The NSHE FSA is not administered by the State of Nevada. If you do not re-enroll, your FSA account will end as of June 30, 2022. The next opportunity to enroll in the FSA will be during the next open enrollment, or if you have a qualifying event.

Existing Metlife Legal Plans enrollment will continue to the next year if no action is taken.

Benefits eligible employees will find the open enrollment event in their Workday inbox beginning May 1 through May 31. If you need to make a change, every step in the event must be completed— even when you have no changes for that specific product. You will need to either elect or waive the coverage.

Open Enrollment Steps in Workday

  • Enroll or decline NSHE Medical Flexible Spending Accounts (FSAs)
    • FSA participation does not roll over. Participants must sign up every year.
  • Enroll or decline Metlife Legal Plans
    • Elect coverage or waive it
  • Review elections
    • Check the "I agree" checkbox at the very bottom of the page to represent your electronic signature.
    • Select “submit” to finish the process. Note: You can still make changes to the finished event until the open enrollment deadline (May 31). The completed open enrollment event is located in the Benefits worklet.
    • You may receive an inbox item requiring you to furnish evidence of insurability, along with instructions for completing the documentation.

To leave and save the open enrollment event in Workday and return at a later time to finish your changes, you may select “save for later” at the bottom of the page.

NSHE Flexible Spending Plan - ASI Flex

If you wish to participate in the NSHE Flexible Spending Plan, you will need to enroll in the plan(s) through the open enrollment benefit event in Workday.

NSHE offers two types of Flexible Spending Accounts:

  • Medical Flexible Spending Account: Allows employees to pay for qualified medical expenses using pre-tax dollars
  • Dependent Care Flexible Spending Account: Allows employees to pay for daycare or aftercare expenses for qualified dependents using pre-tax dollars

Medical FSA

If you will be electing the Consumer Driven Health Plan (CDHP) through PEBP and opening a Health Savings Account (HSA), you will not be eligible for NSHE’s Medical FSA. IRS rules do not permit an individual to have both an HSA and an FSA. You will only qualify for a limited scope FSA which can only be used for dental and vision expenses.

If you do not qualify for an HSA and PEBP opens a Health Reimbursement Account (HRA) for you, you may still be eligible to open a Medical FSA. A comparison of the HSA, HRA, and FSA plans is available on the benefits webpage.

If you are on the HMO plan, low deductible plan, or decline coverage, you are still eligible to participate in the Medical FSA.

The maximum amount that you can contribute to a Medical FSA is $2,850 for the plan year. The money is deducted from your paycheck on a pre-tax basis in equal amounts over the course of the plan year.

After you incur expenses that qualify for reimbursement, you request tax-free withdrawals from your FSA to reimburse yourself. Any contribution amounts that you do not use by the end of the 2022-2023 Plan Year are forfeited to the NSHE plan as required by IRS regulations.

Dependent Care FSA

Regardless of what health plan you use, you are eligible to participate in the dependent care FSA. The maximum amount that you can contribute to a Dependent Care FSA is $5,000 ($2,500 in the case of a married individual filing a separate tax return for the plan year) per household.

The money is deducted from your paycheck on a pre-tax basis in equal amounts over the course of the plan year. After you incur expenses that qualify for reimbursement, request tax-free withdrawals for reimbursement from your FSA. Any contribution amounts that you do not use by the end of the 2022-2023 Plan Year are forfeited to the NSHE plan as required by IRS regulations.

Things to Remember for the NSHE FSA Plan(s)

  • Any contribution amounts that you do not use by the end of the 2022 plan year are forfeited to the NSHE plan as required by IRS regulations
  • Your election amount is typically fixed for the entire plan year (unless you have a qualifying event)
  • Expenses for any of your tax dependents are eligible for reimbursement, even if they are not on your employer's health insurance program.
  • Those enrolled in the CDHP High Deductible plan with an HSA are eligible to enroll in the FSA limited scope for dental and vision care only.
  • If there is no re-enrollment, the FSA Account(s) will end as of June 30, 2022 and you will not be a participant in plan year 2022-2023.

If you have any questions, please consult ASI’s frequently asked questions webpage. If you can’t find the information you need, contact benefits at HRBenefits@unlv.edu for guidance.

Metlife Legal Plans

The NSHE voluntary benefit for legal services through Metlife Legal Plans open enrollment begins May 1, 2022 through May 31, 2022. This benefit affords the participating employee easy access to experienced, participating attorneys and access to a wide range of covered legal services such as:

  • Purchase, sale or refinancing of a primary residence
  • Wills and estate planning
  • Deed preparation and immigration assistance
  • Debt matters and identity theft defense
  • Civil litigation defense
  • Telephone and office consultations for an unlimited number of matters

For more information about Metlife Legal Plans, please call 1-800-821-6400 or visit their website.

The monthly cost for this plan is $17.35 and will be deducted through payroll. The first deduction will be taken in June 2022 for a July 1, 2022 effective date. Once enrolled in the plan, you must remain in the plan for the entire benefit year, July 1, 2021 through June 30, 2022.

If you are currently enrolled in the plan and would like to continue, there is no need to re-enroll.

Contact

If you have any questions, please contact the benefits team at 702-895-3504 or HRBenefits@unlv.edu.