Following is important information specifically for Local 396 represented employees.
Here’s a quick overview of the changes for 2025. Keep reading to learn more about your options, the tools and resources available to help you make the right choices, and the steps to enroll or make changes to your coverage for 2025.
| Benefit | Changes for 2025 |
|---|---|
| Health Savings Account (HSA) Contribution Limits | The “employee only” HSA annual contribution limit is increasing from $4,150 to $4,300 family is increasing from $8,300 to $8,550. This is the total combined limit from both employee and NV Energy’s HSA contributions. |
| Health Care Flexible Spending Account (FSA) | The Healthcare Flexible Spending Account annual contribution will increase from $3,050 to $3,200. |
| HSA Medical Plan Annual Deductible |
Employee Only: increasing from $1,600 to $1,650 Employee + 1 (or more): increasing from $3,200 to $3,300 |
| Auto/Pet/Home Insurance (Metlife) | New for 2025. Please contact Metlife directly to enroll. |
| Voluntary Hospital Indemity Ins-Aetna | New for 2025: For qualified events: can pay $1000 once admitted to hospital and $100/day while admitted up to 100 days. |
| Long Term Care Ins-Genworth | New for 2025. These are services which help with everyday activities (showering, eating, getting dressed). Please contact Genworth directly to enroll. |
| Legal Service (Metlife Legal) | New for 2025 Legal representation for personal injury, family law, real estate, debt, etc. |
| Supplemental AD&D - Voya | New for 2025. Up to $500,000, chosen in $25,000 increments. |
When you enroll in the HRA with Healthy Living Program, you and your spouse receive two additional PCP visits at no cost each year, in addition to the required annual wellness visit, for a total of three free office visits a year. Please refer to the Healthy Living Program guide mailed to your home or on mynve for future updates/details of this plan.
|
HRA with Healthy Living Program |
HRA without Healthy Living Program |
HSA with Healthy Living Program |
HSA without Healthy Living Program |
|||||
|---|---|---|---|---|---|---|---|---|
| NV Energy’s Contribution to the Fund/Account | Employee only: $750 Employee + family: $1,500 | Employee only: $500 Employee + family: $1,000 | Employee only: $750 Employee + family: $1,500 | Employee only: $250 Employee + family: $500 | ||||
| In-Network | Out-of-Network* | In-Network | Out-of-Network* | In-Network | Out-of-Network* | In-Network | Out-of-Network* | |
|
Annual Deductible (includes prescription drugs)
|
$1,000 | $2,000 | $1,000 | $2,000 | $1,650 | $2,500 | $1,650 | $2,500 |
|
$2,000 | $4,000 | $2,000 | $4,000 | $3,300 | $5,000 | $3,300 | $5,000 |
|
$2,000 | $4,000 | $2,000 | $4,000 | $3,300 | $5,000 | $3,300 | $5,000 |
|
Annual Out-of-Pocket Maximum (includes prescription drugs)
|
$2,000 | $4,000 | $2,000 | $4,000 | $2,000 | $4,000 | $2,000 | $4,000 |
|
$5,000 | $10,000 | $5,000 | $10,000 | $5,000 | $10,000 | $5,000 | $10,000 |
|
$5,000 | $10,000 | $5,000 | $10,000 | $5,000 | $10,000 | $5,000 | $10,000 |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited | ||||
| Coinsurance amounts the plan pays after you meet the annual deductible: | ||||||||
|
Physician Charges (office visits, inpatient, outpatient) |
90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
|
Healthy Living Program Two Additional PCP Office Visits |
100%, no deductible | NA | NA | NA | NA | NA | NA | NA |
|
Specialist Charges (office visits, inpatient, outpatient) |
90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
|
Annual Preventive Care (well-child and well-adult care) |
100%, no deductible | Not covered | 100%, no deductible | Not covered | 100%, no deductible | Not covered | 100%, no deductible | Not covered |
|
Inpatient Hospitalization (physician, maternity and newborn) |
90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
| Urgent Care | 90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
| Emergency Room** | 90% | 90% | 90% | 90% | 80% | 80% | 80% | 80% |
|
Lab, X-ray and Complex Imaging (MRA/MRS/MRI, CAT scan, PET scan) |
90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
| Allergy Testing, Treatment and Injections | 90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
|
Chiropractic Care (limited to 20 visits per calendar year) |
90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
| Durable Medical Equipment | 90% | 70% | 90% | 70% | 80% | 60% | 80% | 60% |
| Prescription Drug*** | Retail (30-day supply): 90% after deductible | Retail (30-day supply): 90% after deductible | Retail (30-day supply): 80% after deductible | Retail (30-day supply): 80% after deductible | ||||
| (deductible applies; out-of-pocket maximum the same as medical) | Mail order (90-day supply): 90% after deductible | Mail order (90-day supply): 90% after deductible | Mail order (90-day supply): 80% after deductible | Mail order (90-day supply): 80% after deductible | ||||
| Applies to generic, preferred and non-preferred | Applies to generic, preferred and non-preferred | Applies to generic, preferred and non-preferred | Applies to generic, preferred and non-preferred | |||||
*Benefits for out-of-network services are based on reasonable and customary charges. You may be billed for any charges above that amount.
**Non-emergency use of the ER is not covered.
***For preferred and non-preferred brand-name drugs on the preventive medications list, the deductible is waived and the plan pays the same coinsurance as shown.
Need Help? If you need assistance confirming your network ID and/or password, please contact the IT service desks at:
North – 4.3700
South – 2.5066
or
Call the NV Energy Benefits Department at 888-643-4338. You will be connected to a benefits representative who will assist you with the enrollment process. You can also email your questions to benefits@nvenergy.com.
Online enrollment ends Friday, October 25th 2024 at 11:59 pm Pacific Time.