Nevada Health Insurance

Need to get medical coverage in Nevada and unsure of how to proceed? First, read the article below and familiarize yourself with state laws concerning health insurance. Then, think about what kind of plan you need and request a quote to find what's best for you. We've compiled the information and resources necessary for you to make your decision between the dozens of carriers and plans that exist in Nevada.

Request a Nevada health plan quote here!

Buying Individual Medical Plans in Nevada (NV)

In Nevada, you can choose to subscribe to group coverage, such as an HMO, PPO, POS, or HSA network, or apply for an individual plan. However, the lack of strict regulations governing health insurance in the state makes it tricky for Nevada residents to get the coverage they need. Take a look at the following facts:

• If you are eligible for HIPAA, health carriers are required to offer two standardized policies. If you are not eligible, companies can impose unlimited exclusion periods on your plan.
• Nevada health insurance carriers have a lot of control over the terms of pre-existing conditions and time limits.
• Your pregnancy may be considered a preexisting condition and thus make you ineligible for coverage.
• Because there no limits on the premiums you can be charged, the cost of medical insurance in Nevada can be quite high.

Nevada Health Plans for Families (NV)

Deciding whether to get an HMO, PPO, individual, or other medical plan for your family is one of the most important choices you will make, as you must ensure that everyone's needs can be covered by the plan you choose. And although Nevada carriers cannot refuse to cover your family due to health problems, they can take actions that may make your search for medical coverage more difficult.

• Waiting periods may delay the start of your employee health benefits or HMO plan.
• The past 6 months of your medical history are subject to review by health insurance companies who are looking for preexisting conditions.
• A 12-month maximum exclusion period may be given for preexisting health problems.

Need a health plan in Nevada? Ask for a health insurance quote!

Pre-Existing Conditions and Nevada (NV) Health Insurance

More than 32 percent of Nevada residents with life threatening or debilitating illnesses are uninsured. This situation could be attributed to the fact that Nevada does NOT have a comprehensive health insurance program, which people with preexisting conditions in other states depend on. This has caused many people with preexisting conditions problems getting treatment and medication they desperately need.

People with preexisting conditions in Nevada face many obstacles when attempting to acquire health insurance. For example:

• Health insurance companies in Nevada include preexisting condition riders for many of their contracts.
• Nevada carriers have the right to refuse coverage due to certain preexisting conditions and can implement a 12 month waiting period for coverage on others.
• There currently is no portability clause in Nevada health insurance companies and credit is not given for prior coverage for preexisting conditions.

For those in need, the National Patient Advocate Foundation (NPAF) Health Insurance Portability Assurance Initiative was formed to try to ensure access to low cost, complete health insurance coverage to anyone. The NPAF is prepared to work with federal, state and local policy makers in order to get legislation passed to help those with no insurance or preexisting conditions.

Getting a New Health Plan in Nevada (NV)

Switching medical plans in Nevada can be difficult, whether you have just moved to Nevada, or are between jobs. Keep the following in mind when choosing a new health policy.

• COBRA — If you qualify, COBRA can help you to retain your employee benefits for a certain amount of time while you are transitioning.
• Conversion Coverage — If eligible, you can purchase an individual health plan from the same company that provided your employee benefits.
• Employee Benefits — Nebraska does not require employers to provide health insurance to their employees.
• Non-government employees — Certain health regulations only apply to state employees. Ask the Nevada Department of Insurance if you have questions about your rights.

Get a Nevada health plan quote here!

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