Open Enrollment for Plan Year 2017-2018

Health insurance coverage is effective for July 1, 2017 to June 30, 2018.

Important Dates to Remember

  • May 1, 2017 to May 31, 2017 – PEBP Health Insurance Open Enrollment
  • May 8, 2017 – PEBP Open Enrollment Meeting from 2–4 p.m. at the Student Union room 208
  • May 1, 2017 to May 31, 2017 – NSHE Flexible Spending Account Plan Open Enrollment

PEBP Open Enrollment for Health Insurance (PPO and HMO)

May 1, 2017 to May 31, 2017 will be the Open Enrollment period for the Public Employees Benefits Program (PEBP). Open Enrollment provides you with the opportunity to review your healthcare options and make changes to your Plan. This is the time to learn about any plan/premium changes, change plans, add or delete dependents.

You will need to complete Open Enrollment on-line if you are:

  • Changing Plans (PPO Consumer Driven High Deductible Plan (CDHP) to the HMO or HMO to the CDHP)
  • Changing Plans within the HMO Plan. If you are currently enrolled in the HMO plan and NO action is taken, you will be enrolled in the Standard HMO Plan. You MUST submit a change during the open enrollment, if you desire to switch into the Alternate HMO Plan.
  • Declining coverage (please note that if you decline coverage, you are also declining the $25,000 basic life insurance and the Long Term Disability benefit)
  • Adding or Deleting dependent
  • Establish a Health Savings Account (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)

If you are not making any changes to your group health insurance, then no action is required.

PEBP will begin to mail out letters to all participants with instructions on how to complete your Open Enrollment on-line within the next two weeks. If you do not receive your letter by April 28, 2017, please call the Public Employees Benefits Program directly at 1-800-326-5496.

Additionally, PEBP will be holding Open Enrollment Meetings on the following dates:

Date Time Region Location
5/8/2017 2 p.m.–4 p.m. South University of Nevada, Las Vegas
Student Union, Room 208
4505 S. Maryland Pkwy, LV NV 89154
5/9/2017 9 a.m.–11 a.m.
1 p.m.–3 p.m.
South College of Southern Nevada, Charleston Campus
Ralph and Betty Engestad School of Health Sciences
Building K, Room 101
6375 W. Charleston Blvd, Las Vegas NV 89146
5/10/2017 9 a.m.–11 a.m.
1 p.m.–3 p.m.
South College of Southern Nevada, Cheyenne Campus, Cheyenne Campus
Horn Theatre
3200 East Cheyenne Ave, North LV NV 89030

Open Enrollment Information

Health Savings Account

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

The contributions are as follows:

  Regular HSA/HRA PEBP Contribution
Primary Participant $700.00*
Per Dependent (maximum of 3 dependents) $200.00

*For Plan Year 2018, the PEBP Board approved a one-time contribution of $200.00 to the HSA/HRA accounts for Primary Participants only, if participant completes the preventive program. Details available on the PEBP April 2017 Newsletter.

You can 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 to a maximum of $3400.00 if you have participant only coverage or $6,750.00 if you have family (two or more individuals) coverage. Please note that the PEBP contribution is included in this limit.

Additional information on the HSA is available on-line:

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.

NSHE Flexible Spending Plan (Section 125)

Open Enrollment

The NSHE Flexible Spending Plan Open Enrollment is May 1, 2017 to May 31, 2017 and is administered by ASI Flex. The NSHE Flexible Spending Plan (Section 125) is NOT administered by the State of Nevada. Please do not fill out the State Flexible Spending Account forms or declination of coverage forms. If you wish to participate in the NSHE Flexible Spending Plan, additional information will be provided shortly before May 1.

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 day care or after care expenses for qualified dependents using pre-tax dollars.

Medical FSA

If you will be electing the Consumer Driven Health PPO Plan 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-line.

If you are on the HMO 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 $2,600.00 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 2018 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 $5,000.00 ($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, you request tax-free withdrawals from your FSA to reimburse yourself. Any contribution amounts that you do not use by the end of the 2018 Plan Year are forfeited to the NSHE plan as required by IRS regulations.

Cost to Participate in the FSA

There is a $3.25 per month fee to participate in one or both of the FSAs. This fee will be deducted from your annual FSA election. If you are participating in the Medical FSA, you may request a debit card.

Medical FSA

If you will be electing the Consumer Driven Health PPO Plan 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-line.

If you are on the HMO 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 $2,600.00 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.

Dependent 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 $5,000.00 ($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.

Things To Remember

  • 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 2018 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.

Cost to Participate in the FSA

There is a $3.25 per month fee to participate in one or both of the FSAs. This fee will be deducted from your annual FSA election. If you are participating in the Medical FSA, you may request a debit card.

FSA Open Enrollment Information

How to Complete the FSA Open Enrollment Election

The FSA Open Enrollment is completed on-line using NSHE's Employee Self Service System

The system will go live on May 1, 2017 and will be available through May 31, 2017. Instructions on how to log into the system are available here.

If you do not re-enroll in the NSHE FSA plan(s) during the Open Enrollment period, you will not have access to this benefit in the coming fiscal year, regardless of your enrollment status in the previous year.

Hyatt Legal - Metlaw Open Enrollment Information

The supplemental benefit for legal services through Hyatt Legal - MetLaw open enrollment begins May 1, 2017 through May 31, 2017. This benefit affords the participating employee easy access to experienced, participating attorneys, as well as 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 MetLaw, please call 1-800-821-6400 or visit their website . Additional information regarding covered benefits is available on-line.

There is a monthly cost for this plan of $17.35 and will be deducted through payroll. The first deduction will be taken in June 2017 for a July 1, 2017 effective date. Once enrolled in the plan, you must remain in the plan for the entire benefit year, July 1, 2017 through June 30, 2018.

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

If you are currently enrolled in the plan and want to cancel participation, the option is available within the Employee Self Service as part of the annual open enrollment process.

How to complete the Enrollment Election

Enrolling is easy. On-line enrollment will be available through the NSHE's Employee Self Service beginning May 1, 2017 with an effective date of July 1, 2017. Instructions on how to log in to the Employee Self Service are available here.

Below are instructions for completing your changes on-line:

Log into the NSHE's Employee Self Service using your Employee Identification Number (EID) and PIN. If you do not know your EID or your PIN, please contact the UNLV Concierge’s Office at 702-774-4242.

Click on the Benefits Tab
Click on the "MetLaw Benefit Plan" link located on the left hand side of the screen
Click on the button marked "I hereby elect to enroll in MetLaw effective July 1, 2017"
Confirm your selection and hit the Enter key
Print out the confirmation page and keep it for your records

Contact a UNLV benefits counselor at 702-895-3504 if you have any questions.

Voluntary Term Life Insurance & Short Term Disability Insurance

During this Open Enrollment Period (May 1 to May 31) employees participating in the Public Employees Benefits Program (PEBP) health plans are eligible to purchase voluntary term life insurance and short term disability insurance subject to the requirements noted below:

Voluntary Term Life and Accidental Death and Dismemberment (AD&D) insurance

Employees may purchase Voluntary Life Insurance and AD&D up to a Guarantee Issue Amount of $50,000 for employee coverage only without answering medical questions if you meet the following criteria:

  • You are enrolled in a plan offered by PEBP (CDHP or HMO).

  • You have an existing policy with Standard Insurance for Voluntary Life coverage and your coverage is less than $500,000.
  • You have not been previously declined for Voluntary Life coverage by The Standard

Voluntary Short Term Disability Insurance

Employees may purchase Voluntary Short Term Disability Insurance with a waiting period of 12 months due to the late enrollment period (does not apply to disabilities that result from an accident) without answering medical questions if you meet the following criteria:

  • You are enrolled in a plan offered by PEBP (CDHP or HMO)
  • You do NOT have an existing policy with Standard Insurance for Voluntary Short Term Disability Insurance

Additional information regarding this offering is available on-line through the Standard Insurance Company. Employees can also call Standard Insurance directly at 888-288-1270 (Monday through Friday 5:00 a.m. to 5:00 p.m. PST)

To enroll, you will need to complete an enrollment form and mail it to Standard Insurance at the address below no later than May 31, 2017 (postmarked by 5/31/17):

State of Nevada Life Insurance Team
Mestmaker Insurance Services
PO Box 2302
Bakersfield, CA 93303-2302