BCN Health Insurance

Flexible and Competitive Healthcare Coverage

With three options to choose from, the Nevada System of Higher Education (NSHE) Healthcare Plan aims to support healthy lifestyles and greater financial security.

Review the benefit plan summaries for information regarding cost associated with each plan option, including deductibles, co-payments, and out-of-pocket maximums.

Coverage Information

  • Medical services under all plan options offer quality medical care and worldwide emergency coverage. The plan design options vary in the way that you choose your health care providers and facilities and how you pay for qualified medical expenses.
  • Employees are responsible for the monthly premium for the coverage level chosen. Premiums are deducted through pre-tax payroll deductions.
  • The medical package offered is a comprehensive medical package that includes your choice of a health insurance plan, Dental Insurance, a $25,000 Term Life Insurance policy and Long Term Disability Insurance.
  • NSHE has one dental plan, administered by  Diversified Dental. Dental coverage is part of the comprehensive medical package and is only available when you enroll into a medical health insurance plan.

Healthcare Plans Available

High-Deductible (PPO) Plan

This open access plan is available to participants residing or working in both Northern and Southern Nevada, and has preferred providers in all states.

PEBP will provide a contribution each year to your Health Savings Account (HSA) or Health Reimbursement Account (HRA) to help with first out-of-pocket medical expenses. Participants may make pre-tax contributions to the HSA account up to the maximum allowable amount for each tax year.

View PPO with HSA Plan  View PPO with HRA Plan

Exclusive Provider Organization (EPO) Plan

This open access plan is available to participants residing or working in northern Nevada.

Health Maintenance Organization (HMO) Plan

This open access plan is available to participants residing or working in Southern Nevada.

Continuation of Health Insurance at Termination of Employment (COBRA)

In compliance with a federal law commonly called COBRA (Consolidated Omnibus Budget Reconciliation Act), this plan offers employees, retirees, and their covered dependents the opportunity to elect a temporary continuation of their group health coverage sponsored by PEBP. 

Qualified beneficiaries who elect COBRA Continuation Coverage must pay for it at their own expense. Additional definitions and the complete plan documents can be found at www.pebp.state.nv.us.

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