Nevada Health Insurance

Health Insurance Overview

Nevada residents have many options for health care coverage. There are numerous Nevada insurance providers to choose from, along with a variety of Nevada medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Nevada health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Nevada medical insurance from the best Nevada insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Nevada health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Nevada health insurance programs, and even details on some of the top Nevada insurance providers.

To compare specific Nevada medical insurance plans offered by the various Nevada insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Nevada health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Nevada health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Nevada? Find your state here.

Nevada Health Insurance Facts & Statistics

Total Nevada Residents – 2,628,900

Total Health Insurance Coverage In Nevada:
Employer – 51%
Individual – 5%
Medicaid – 10%
Medicare – 11%
Other Public – 2%
Uninsured – 21%

Average Individual Monthly Premiums – NA

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 16%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $767

Average adjusted hospital cost per inpatient day – $1,912

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Nevada Medical Insurance Laws, Regulations & Policies

There are several Nevada health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state law, all Nevada health insurance plans are required to cover these medical services:

  • Patient costs for cancer or chronic fatigue clinical trials
  • Breast, cervical, prostate, and colorectal cancer screenings
  • Care for pregnant women
  • Contraceptives

Nevada insurance providers are also required to uphold mental health parity, which means they must cover mental health conditions at an equal level as physical health conditions.

Residents of Nevada are protected under HIPAA and COBRA, which are federal laws. COBRA gives individuals the right to continue their coverage with a former employer’s group health plan for a temporary period after their employment ends. HIPAA protects individuals looking for their own health plan after they have left an employer’s plan or lost coverage from one of the basic or standard Nevada health insurance plans. Any Nevada resident who is HIPAA-eligible must be offered a standardized Nevada health insurance plan that provides coverage for a number of different medical services with a maximum lifetime benefit of $1 million.

Nevada Health Insurance Resources

The Nevada Department of Human Resources

The Nevada Department of Human Resources offers medical insurance through a number of programs for individuals and families. The coverage may be free to you or require a small fee and services provided include doctor visits, prescriptions, dental care, eye exams and glasses, and therapies. Visit the website.

Nevada Bureau of Family Health Services

The Bureau of Family Health Services improves the health of families with special attention focusing on women, infants and children, including children with Special Health Care Needs. Visit the website.

Nevada Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Nevada with pre-existing conditions will be able to get health insurance coverage from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Nevada health insurance policies and requires enrollees to pay affordable premiums and out-of-pocket costs.

Those eligible for the Nevada PCIP pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium cost for Nevada residents is $335 for ages 0 to 34; $402 for ages 35 to 44; $513 for ages 45 to 54; $714 for ages 55 and older. The plan includes a $2,500 deductible that must be met before health insurance kicks in and has an out-of-pocket limit set at $5,950. Enrollees of the Nevada PCIP will get access to health insurance coverage for hospital and doctor visits, emergency room services, prescription drugs, and more.

Individuals may apply for the Nevada health insurance program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Nevada health insurance high risk pools visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Nevada Medical Insurance and Health Care Programs

The state of Nevada offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    Nevada’s Medicaid program offers health insurance for disabled persons and some low-income residents. For more information about Medicaid in Nevada, refer to this list of resources.
  • Nevada Check Up
    This is Nevada’s Children’s Health Insurance Program, which provides health insurance for low-income children who do not qualify for Medicaid. Learn more about Nevada Check Up online.
  • Nevada Check Up Plus
    This program offers small business employees financial help in paying health insurance premiums for their children and families. To learn more about this Nevada medical insurance program, visit online.
  • Women’s Health Connection
    Low-income women in Nevada can receive free mammograms and cervical cancer screenings through this program. They can also get full medical benefits through Medicaid if they are diagnosed with either cancer. Find more info about this Nevada medical insurance program here.
  • Nevada Medicare
    Seniors can find Nevada health insurance through Medicare Advantage, Supplement and Original Medicare.

Some trade workers and early retirees are also eligible to receive a tax credit from the federal government to help pay for their health plan premiums. Get more information about this program online.

Nevada Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Coventry Health Care Health Insurance

Coventry One offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Health Plan of Nevada Health Insurance

Health Plan of Nevada is part of the Sierra Health Services family, offering a range of health insurance options. It also is the oldest and largest HMO provider in the Silver State.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Sierra Health and Life Insurance Health Insurance

Sierra Health and Life Insurance Company provides comprehensive health care coverage with high-quality insurance products for affordable rates.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Nevada Division of Insurance and the Governor’s Office for Consumer Health Assistance

Find the contact information for the Nevada health insurance and consumer health assistance offices at:

Nevada Division of Insurance
788 Fairview Drive
Suite 300
Carson City, NV 89701
Phone: (775) 687-4270
http://doi.state.nv.us/

Governor’s Office for Consumer Health Assistance
555 E. Washington Ave
Suite 4800
Las Vegas, NV 89101
Phone: 1-888-333-1597
http://govcha.state.nv.us/