PEHP’s medical plans are a perfect fit for Utah’s public employees, offering value, convenience, and choice.
As a nonprofit trust, we have one objective: Provide the best benefits to public employees at the lowest cost. You can’t beat the value our medical plans offer.
We make accessing and understanding medical benefits simple. Our online member personal account puts benefit information at our members’ fingertips and offers easy online enrollment.
Other insurance providers offer access to only a fraction of the hospitals and providers in Utah. Not PEHP. Members can choose among medical networks that together provide access to more than 12,000 providers and every major hospital in Utah.
PEHP Advantage consists of predominantly Intermountain Healthcare (IHC) providers. It includes about 34 participating hospitals and more than 6,500 providers.
PEHP Summit consists mostly of providers affiliated with Iasis, MountainStar, and University of Utah Hospitals and Clinics. It includes about 37 participating hospitals and more than 7,000 providers.
PEHP Preferred combines both, with about 46 participating hospitals and more than 11,000 providers.
What is the LGRP?
PEHP administers the employee benefit plans for hundreds of Utah public entities in a self-funded pool called The Local Governments Risk Pool (LGRP). Participating cities, counties, special service districts, and schools get all the benefits of PEHP’s non-profit model combined with the benefits of self-funded with the feeling of fully-insured.
What are the advantages of joining the LGRP?
What is vesting and how does it work?
Contracts in the LGRP are year-to-year with vesting. We have a vesting period to protect those already participating in the pool and the reserves they’ve built. The vesting period prevents any one group from depleting the reserves and then leaving the other groups responsible. The vesting period is for three years and requires a group to pay back any deficit it incurs if the group leaves before the vesting period ends. The vesting period can be waived if a group provides 2 years of credible claims experience prior to joining the pool. New groups who join the pool enjoy the certainty of a trend renewal for the second year at 7.5%.