Health Benefits

Health Benefits

Medical / Health Savings Account / ASI, Flex / Dental / Vision / Pharmacy / Basic Life Insurance



Medical, dental, and vision insurance is available for a nominal fee through the State of Nevada's Health Plan. The health plan is administered by the Public Employees Benefits Program (PEBP).
Employees may choose between 2 medical options:
  • Consumer Driven High Deductible PPO Plan ($1,500 individual or $3,000 family)
  • HMO Plan

The following people are eligible to Participate in the State's Health Plan:

  • Full time classified staff (full-time means 80 hours of work per month or more)
  • Professional full-time employees of the College of Southern Nevada under annual contract
  • Professional part-time employees of the College of Southern Nevada who work more than 50% for over 60 days, but less than 1 year (Letter of Appointment with Benefits)
  • Retired employees of the Nevada System of Higher Education who worked for more than 5 years and are currently receiving a monthly benefit from one of the following retirement plans:
    • Public Employees Retirement System (PERS)
    • NSHE Retirement Plan Alternative (RPA)
Effective dates vary depending on the employee type:
Employee Type
Benefits Start
Benefits End
Classified Staff
1st day of the month concurrent with or following the effective date of the annual contract
Last day of the month in which your employment ends
Full time professional employees on annual contracts (includes postdoctoral fellow, academic and administrative faculty)
1st day of the month concurrent with or following the effective date of the annual contract
Last day of the month in which your employment ends
Part time employees on a letter of appointment with benefits (LOB) who are over 50% for 60 days
1st day of the month concurrent with or following the effective date of their contract.
Last day of the month in which your contract ends
Employees can make changes to their health plan during the Annual Open Enrollment Period which is normally held during May.
Dependent coverage changes can be made within 30 days of a qualified family status change. Qualified changes include marriage, birth/adoption, change of spouse's employment status, and involuntary loss of insurance coverage. Proofs of the qualified change along with marriage/birth certificates are required.

A newly hire or rehired employee may decline (opt-out-of) coverage offered during their new hire enrollment period. Employees who decline coverage lose the following benefits: medical, dental, pharmacy, vision, life, and long-term disability coverage.

MEDICAL

PLAN YEAR '16 RATE CHART

Statewide PPO Plan Statewide HMO Plan
Rates Effective

July 1, 2015 - June 30, 2016
Consumer Driven PPO High Deductible Health Plan
Participant Premium
Health Plan of Nevada HMO

Participant Premium
Employee Only $41.91 $164.61
Employee + Spouse $171.50 $458.21
Employee + Child(ren) $92.72 $299.99
Employee + Family $222.08 $593.60
Domestic Partner coverage will continue to be available, but the domestic partner's premiums will not be subsidized. Domestic Partner rates can be found at the PEBP Board Packet Appendix B page 3. http://pebp.state.nv.us/stateactiverates.htm
Vision coverage is included with medical in both the PPO and the HMO plan.

HEALTH SAVINGS ACCOUNT

Step by step instructions for making changes to your HSA Deduction through the HealthSCOPE Benefits Website:

  1. Go to www.healthscopebenefits.com
  2. Select 'Member'
  3. Under 'Company Name' type PEBP then click on 'Enter'
  4. Click on HSA/HRA Account Status
  5. Enter your previously created username and password, or register as a new user
  6. Select 'View HSA/HRA Information' in top right hand corner under 'quick links'
  7. Select 'Change Election' in center of page
  8. Click box indicating that you meet the qualifications to open a Health Savings Account
  9. Click on 'Next'
  10. Enter your monthly deduction amount
  11. Click on 'Next'
  12. Review your entry
  13. Click on 'Submit'
  14. You will get a message that indicates that "you have successfully enrolled in the Health Savings Account"
  15. Print your confirmation

ASI,FLEX

Flexible Spending Account (FSA) for Medical and Dependent Care (ASI, Flex)


A flexible spending account (FSA) allows you to set aside money on a pre-tax basis to help cover deductibles, co-pays, and other out-of-pocket expenses not covered by insurance plans. Monies contributed to an FSA are not taxed. ASI, Flex linked at: www.asiflex.com is the vendor for the FSA plan this year. ASI offers several enhancements to our FSA plan, including debit cards, faster claim processing, direct deposit, online forms, and online account access.


There are two FSAs you may participate in:

  • Medical Flexible Spending Account. You can participate in a Medical FSA by contributing up to $2,550 per fiscal year to cover out-of-pocket medical expenses, including certain over-the-counter medication. With the Medical FSA, you will have access to a debit card to pay for medical expenses, much like a credit card.
    • If you have a Health Savings Account, you will only be able to use your FSA funds for dental and vision expenses.
  • Dependent Care Flexible Spending Account. If you have children under the age of 12 or adult dependents, you can defer up to $5,000 per fiscal year to cover expenses such as childcare, preschool tuition, or elder care with a Dependent Care FSA.

When choosing a care provider, the provider must report day care income on his or her taxes to be considered eligible.

Enrollment

If you are a new employee, you will need to enroll in the plan within 30 days of hire.


Existing employees can elect to participate in the plan during open enrollment in May of each year. You will need to re-enroll each plan year. Employees use Employee Self Service (ESS) to enroll each year. Newly-hired employees complete a paper from available in the Division of Human Resources Office.

DENTAL

Dental benefits are the same regardless of whether the employee chooses the PPO or the HMO plan. The dental plan is administered by Benefit Planners.

Benefit Category
In-Network
Out-of-Network
Plan year Maximum
$1,500 per person
$1,500 per person
Plan Year Deductible
(applies to basic and major services only)
$100 per person or $300 per family (3 or more)
$100 per person or
$300 per family (3 or more)
Preventive Services
Four cleanings/plan year, exams, bitewing
X-rays (2/plan year)
100% of allowable fee schedule, no deductible
80% of the in-network provider fee schedule for the Las Vegas service area.
For services outside of Nevada, the plan will reimburse at the U & C
Basic Services
Periodontal, fillings,
extractions, root canals, full-mouth X-rays
80% of allowable fee schedule; not subject to deductible or the annual $1,500 annual benefit maximum
50% of the in-network provider fee schedule for the Las Vegas service area.
For services outside of Nevada, the plan will reimburse at the U & C
Major Services
Bridges, crowns, dentures, tooth implants
50% of allowable fee schedule, after deductible
50% of the in-network provider fee schedule for the Las Vegas service area.
For services outside of Nevada, the plan will reimburse at the U & C
Family Deductible: Could be met by any combination of eligible dental expenses of three or more members of the same family coverage tier. No one single family member would be required to contribute more than the equivalent of the individual deductible toward the family deductible. Both in-network and out-of-network deductibles are combined to meet your deductible each plan year.
Under no circumstances will the combination of PPO and Non-PPO benefit payments exceed the plan year maximum benefit $1,500

PRESCRIPTION DRUG BENEFIT



Pharmacy Plan Comparison
Benefit Category
CD PPO HDHP
Health Plan of Nevada
Retail Pharmacy - 30 day supply
Preferred Generic (Tier 1)
20% after deductible
$7 copayment
Preferred Brand
(Tier 2)
20% after deductible
$35 copayment
Non-Formulary
(Tier 3)
100% of contracted price - does not apply to deductible or OOP
$55 copayment
Specialty Drugs
20% after deductible - available in 30 day supply only through Walgreen pharmacies
Applicable retail pharmacy copayment will apply
Mail Order - 90 day supply
Preferred Generic (Tier 1)
20% after deductible
$14 copayment
Preferred Brand (Tier 2)
20% after deductible
$70 copayment
Non-formulary
(Tier 3)
100% of contracted price - does not apply to deductible or OOP
Not available through mail order
Specialty Drugs
20% after deductible, available in 30 day supply only through Walgreens mail order
Applicable retail pharmacy copayment applies

BASIC LIFE INSURANCE

Basic Life Insurance
Basic Life Insurance
$25,000 per eligible employee
$12.500 per eligible retiree
If you have any questions or comments about any of the information contained on this or other Human Resources pages please e-mail Contact.

Human Resources information contained on the World Wide Web is in no way to be interpreted as a contract between the College of Southern Nevada and any of its employees. This information is provided as a service to the CSN community and will change as CSN changes. From time to time, CSN must modify its policies. Information is current as of the time of its presentation and may be subject to change or repeal at any time, with or without notice, at the discretion of CSN.