The Public Employees' Benefits Program (PEBP) offers a PPO plan, two HMO plans and COBRA to state employees and retirees, eligible non-state employees and retirees of participating governmental agencies and dependents.

The Self-Funded PPO Plan

The Self-funded PPO Plan offers coverage locally, nationally and internationally. Unlike a traditional HMO plan, the PPO plan provides coverage where ever you are. You also have the freedom to use contracted (in-network) or non-contracted (out-of-network) providers for medical services--while still remaining eligible for benefits. Similar to a traditional indemnity program, the PPO plan would require that you satisfy a plan year deductible for certain services, and cost-sharing, also known as coinsurance.

The Self-funded PPO Plan offers two provider networks.  The Statewide PPO Network for contracted providers in Nevada and the Beech Street network for contracted providers outside of Nevada.

For a listing contracted providers in Nevada, visit the Statewide PPO Network

HMO Plans

A Health Maintenance Organization (HMO) is a fully insured plan which uses a pre-defined group of doctors, facilities, and other health care professionals. Participants choose a Primary Care Physician (PCP) who coordinates their medical treatment. The HMO plans are limited to a specific service area. PEBP offers Hometown Health Plan in northern Nevada, Health Plan of Nevada in southern Nevada, and Senior Dimensions Retiree Choice Plus Plan in selected northern and southern Nevada counties.

COBRA

COBRA is a federal regulation which permits an employee or retiree and covered dependents, to continue medical only coverage (includes pharmacy) or full coverage (includes medical, dental, pharmacy and vision) that were in effect on the day before coverage ended due to circumstances called Qualifying Events.