Comprehensive Health Insurance Plan Plan Year 2019 (July 1, 2018 - June 30, 2019) Medical Vision Dental Term Life Insurance Long Term Disability

Comprehensive Health Insurance Provided by the State of Nevada, Public Employees’ Benefits Program (PEBP) Comprehensive Package includes medical, dental, vision, life insurance, and long term disability insurance. Medical Insurance Consumer Driven PPO High Deductible Health Plan (CD PPO HDHP or PPO) Premier (EPO) Plan Health Maintenance Organization (HMO) (for southern counties only) Dependent Coverage Available

Enrollment Online enrollment through E-PEBP must take place within 15 days from your contract effective date. Online Enrollment Tool: https://epebp.nevadabenefits.org/ms/common/Logo n.ASP?LOG_URL=/Default.asp Default enrollment will automatically occur after the 15 day time frame. Insurance Premiums will be deducted monthly on a pre-tax basis.

Dependent Coverage Coverage can be extended to your legal spouse or domestic partner as long as he or she does not have access to their own health insurance coverage through their employer. Children can be covered up to the age of 26. If you wish to add your dependents to your insurance, you will be required to provide documentation that proves the relationship (marriage certificate, State of Nevada registration of Domestic Partnership, Birth Certificate, Adoption Paperwork, (No Exceptions).

Life and Long Term Disability

Life and Long Term Disability Term Life Insurance $25,000 Long Term Disability Insurance 180 day waiting period Pays up to 60% of gross monthly earnings capped at $7,500 per month

P.E.B.P Medical Plan Options

Medical Plan Options Choice of three medical plans: Statewide Consumer Driven PPO High Deductible Health Plan (PPO) $1500 individual / $3000 Family deductible Exclusive Provider Organization (EPO) Health Maintenance Organization (HMO) (for Southern Nevada only)

Selecting a Medical Plan: PPO Preferred Provider Organization (PPO) A medical plan that allows you total flexibility in your choice of medical providers and/or facilities The PPO has two difference payment schedules, one for the “preferred” or in-network providers and one for “non-preferred” or out-of-network providers. In State Network – Hometown Health and Sierra Health-Care Options Out of State = Aetna To be a “preferred provider” medical providers agree to provide services at a discounted rate. When you use a “non preferred” provider, your share of the cost is a higher percentage than when you use the services of a “preferred” provider. The PPO requires you to satisfy a deductible and share the cost of your medical treatment (co-insurance) Provides Worldwide coverage.

Selecting a Medical Plan: EPO Exclusive Provider Organization (EPO) The EPO is a fully insured product administered by Public Employees’ Benefits Program An EPO uses a pre-defined group of doctors, facilities, and other healthcare professionals---you MUST use these providers (except for emergency situations) Services usually limited to geographic location (Counties in Northern Nevada) Concentrates on preventive care and early intervention to keep costs low No Deductible All Services are based on co-payments (a flat dollar amount paid at time of service) Provides nationwide and worldwide care for emergency and urgent care

Selecting a Medical Plan: HMO Health Maintenance Organization (HMO) The HMOs are fully insured products offered by and Health Plan of Nevada ( only available to residents in Southern Nevada) An HMO uses a pre-defined group of doctors, facilities, and other healthcare professionals---you MUST use these providers (except for emergency situations) Services usually limited to geographic location (Southern Nevada) Concentrates on preventive care and early intervention to keep costs low You must choose a Primary Care Physician (PCP) for each member in your family, this doctor will manage your healthcare needs No Deductible All Services are based on co-payments (a flat dollar amount paid at time of service) Provides nationwide and worldwide care for emergency and urgent care

State Employee PPO/HMO rates Monthly Health Insurance Premiums – Active Employees State of Nevada Public Employees’ Benefits Program Plan Year 2018: July 1, 2018 –June 30, 2019 Statewide PPO EPO Health Plan of Nevada HMO (southern Nevada only) Employee Only $31.73 $142.43 Employee + Spouse/Domestic Partner $156.04 $429.62 Employee + Child(ren) $82.41 $284.89 Employee + Family $206.72 $572.08

Which Plan is Right for You? The PEBP Plans, including PPO, EPO and HMO Plans Offer: Quality Health Care Coverage NO Pre-Existing Condition Limitations Reasonable Office Visit Co-Payments Disease Management Programs

Summary of PPO Plan

Summary of Medical Benefits: PPO Plan Individual Deductible $1,500 Family Deductible $3,000 H.S.A. / H.R.A. Contributions (pro-rated for coverage starting later than 7/1/2018) $700 + $200 for each dependent (max of 3 dependents) Primary Care Visit 20 % after deductible Specialist Visit 20% after deductible Urgent Care Emergency Room Hospital (inpatient or outpatient) Wellness Covered 100% if in Network (services subject to the CDC Prevention Guidelines)

Understanding the PPO PLAN Plan pays 100% after a participant pays $3,900 max out of pocket and a family pays $7,800 max out of pocket (Deductible counts toward max out of pocket) Participant Pays $0 After annual Max Participant pays 20% of costs Includes PCP, Specialist and Urgent Care Plan Pays 80% Deductible $1,500 Individual/$3,000 Family Participant Responsible for 100% of costs, including pharmacy Plan Pays $0 HSA fund to offset all medical service costs Wellness Participant pays $0 for in-network covered services Plan pays 100%

Health Savings Account (HSA) Health Reimbursement Arrangement (HRA) PURPOSE Tax exempt account to pay for qualifying health care expenses such as doctor’s visits, lab tests, diagnostic tests, prescription drugs, coinsurance, dental procedures, vision exams, etc. ELIGIBILITY Employee enrolled in the CD PPO HDHP; and Not covered by another health plan that is not a high deductible health plan; and Is not enrolled in Medicare, Tricare, Tribal, or other similar plan Cannot be claimed as a dependent on another person’s tax return. Any PPO Participant that is not eligible for the HSA (all PPO Retirees; some PPO Employees) DIFFERENCES An interest bearing of investment account established by the employee and administered by a bank. HSAs are portable and owned by employee. HRAs are established on behalf of an individual to help pay for qualifying health care expenses. PEBP-owned and funded Tax-exempt contributions Maximum carryover limit and rules (to be established by PEBP Board in future plan years). PEBP CONTRIBUTION Employee Only: $700 – pro-rated for first year Dependents: $200 for each dependent (up to 3 dependents) pro-rated for first year EMPLOYEE CONTRIBUTIONS Calendar Year Maximum Contributions For Employee Only Coverage or for Family (two or more) These maximums INCLUDE the PEBP contribution. NO

Summary of EPO Plan

Summary of Medical Benefits: Excusive Provider Organization Plan (EPO) E.P.O. Plan Individual Deductible $0 Family Deductible Co-Payment Varies based on type of service Primary Care Visit $25 Co-payment Specialist Visit $45 Co-payment Urgent Care $50 Co-payment Emergency Room $300 Co-payment Hospital (inpatient or outpatient) $500 Co-payment Wellness Covered 100% if in Network (services subject to the CDC Prevention Guidelines)

Summary of HMO Plan Exclusively for Residents of Southern Nevada

Summary of Medical Benefits: Health Plan of Nevada (HMO) H.M.O. Plan (only available in Southern Nevada) Individual Deductible $0 Family Deductible Co-Payment Varies based on type of service Primary Care Visit $25 Co-payment Specialist Visit $45 Co-payment Urgent Care $50 Co-payment Emergency Room $300 Co-payment Hospital (inpatient or outpatient) $500 Co-payment Wellness Covered 100% if in Network (services subject to the CDC Prevention Guidelines)

Summary Plan Benefits: Pharmacy

Prescription Plan Log onto the ePEBP Portal: https://epebp.nevadabenefits.org/ms/common/Logon.ASP?LOG_URL=/Default.asp Select Express Scripts (ESI) on the right side of the screen. From there, you will find information you need to understand how to get the most out of your prescription drug benefit. You will also be able to access helpful tools and resources. Express Scripts offers a Medication Pricing Tool. For more information, visit: https://pebp.state.nv.us/

$25 copay with a maximum benefit Vision Plan Comparison Plan Design Features PPO Plan EPO Plan HMO Plan Health Plan of Nevada (Southern Nevada) Eye Exams $25 copay with a maximum benefit of $95 per annual exam $10 Co-payment every 12 months $10 Copayment Frames/Lenses/Contacts NO BENEFIT $100 benefit every 24 months for: Eye glasses or Contact lenses $10 Copayment for glasses ($100 allowance) Or Contacts in lieu of glasses ($115 allowance)

Dental Benefits *Same dental plan Deductible $100 per person for CD HD PPO & HMO Dental Benefits Diversified Dental Network Dental Features In-Network Out-of Network Deductible $100 per person $300 family Plan Year Max $1,500 Preventive Care $1,000 + Preventive Care Prevention Care Four cleanings per year, exams; bitewing x-rays; fluoride Participant pays $0, no deductible Participant pays 20%- no deductible Basic Services Fillings, extractions, root canals, full mouth x-rays Participant pays 20% after deductible Participant pays 50% after deductible Major Services Bridges, crowns, dentures, tooth implants Participants pays 50% after deductible

Insurance Plan Side-by-Side Comparison

Summary of Insurance Plan Options HMO Benefit Consumer Driven PPO Plan EPO Plan HMO Plan Health Plan of Nevada (Southern Residents only) Individual Deductible $1500 N/A Family Deductible $3000 Primary Care Visit 20% coinsurance after deductible $25 Copay Specialist Visit $45 Copay Urgent Care $50 Copay $30 Copay Emergency Room $300 Copay Hospital (Inpatient) $500 Copay per admit $500 per admission Hospital (Outpatient) $500 Copay ACA Preventive Services (Wellness) No Charge (if in Network) Out of Pocket Maximum $3900 Individual $7800 Family $7150 Individual/$14,300 Family H.S.A./H.R.A $700 Employee $200 for Dependent (up to limit)

State Employee PPO/HMO rates Monthly Health Insurance Premiums – Active Employees State of Nevada Public Employees’ Benefits Program Plan Year 2018: July 1, 2018 –June 30, 2019 Statewide PPO EPO HMO Southern Nevada Only Employee Only $31.73 $142.43 Employee + Spouse/Domestic Partner $156.04 $429.62 Employee + Child(ren) $82.41 $284.89 Employee + Family $206.72 $572.08

Questions to Consider When Choosing a Plan Are your doctors and healthcare facilities contracted with the plan? Do you or your eligible dependents live or work in the service area of the plan? Must reside in Nevada to elect the EPO or HMO coverage. Are your prescriptions covered under the formulary? Are your specific medical needs covered under the plan?

Switching Between Plan Options Once you have chosen your insurance plan, you will remain enrolled in the plan of your choice. Your next opportunity to change plans will be: Open Enrollment May 1st – 31st Mid year qualifying event If you move to an area not serviced by the plan in which you are currently enrolled

Adding / Deleting Dependents: Mid Year Qualifying Event A Qualifying life status change is an event that allows you to make changes to your benefits without having to wait for Open Enrollment. Employees have 60 days from the qualified event to make changes to their benefit coverage . This includes changing dependent coverage for Section 125 Pre-Tax deductions. The following are considered a qualifying family status change: Adding Dependents : Marriage; Birth, adoption, legal guardianship; Receiving a Qualified Medical Child Support Order; Dependent Looses medical insurance. Deleting Dependents: Divorce or annulment; Death of a dependent; Dependent becomes disabled; Spouse obtains coverage through their employer; You or your spouse becomes eligible for Medicare; Change of address resulting from a move from the health coverage network area.

Declining/Waiving Health Insurance IMPORTANT: If you are considering declining health insurance because you have other coverage, it is important to remember that you will be declining the entire comprehensive medical package that includes Long Term Disability, Life Insurance, Medical, Dental, and Vision Insurance.

BCN Benefits Office 70 Artemesia Way, Room1 Reno, Nevada 89557 Phone: (775) 784-6082 Fax: (775) 784-4221 http://bcn-nshe.org/hr/benefits/