Nevada Health Insurance Plans and Insurance Companies covering Nevada

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Health Insurance for the Well Informed

Anthem Blue Cross Blue Shield

Celtic Insurance Company

Health Plan of Nevada

PacifiCare of Nevada

According to www.commonwealthfund.org, Nevada ranked 46^thin overall health system performance based on access to health care, quality of health care, etc. In 2004, only 77.5% of Nevada residents had access to health insurance. Between 2004 and 2005, the percent point change in non-elderly with individual insurance rose by 0.5%. In 2004, the 4% of Nevada’s total population held individual insurance.

In Nevada, medical underwriting is allowed. There is no look back or exclusionary period for preexisting conditions for those without prior health coverage.

There is currently no high risk pool in Nevada. However, if HIPAA group to individual rights apply to you, you may obtain coverage from any individual insurance carrier in the state.

The Uninsured

Nevada had a very high uninsured rate in 2004 at 18%. Between 2000 and 2004, the uninsured rate rose by 2% among the non-elderly in Nevada. In 2003, for 85% of uninsured Nevadans, at least one member of the family worked full or part-time.

Between 2004 and 2005, the percent point change in employer-sponsored health insurance was -1.6%. Nevada ranked 21^st in employees offered health insurance according to www.ahip.org. In 2005, 49% of small group employers offered health insurance while 96% of large group employers offered coverage to their employees. The reason for this decrease in employer-sponsored health insurance is the high premium rates. In 2006, the average monthly premium for an individual in a small group was $349 while for a family it was $914.

In Nevada, medical underwriting is allowed with plus or minus 25% of the indexed rate based on the health status of the group. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior healthcare.

Nevada offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Children (ages 1-5)-133% of the Federal Poverty Level
Children (Ages 6-19)-100% of the Federal Poverty Level

Pregnant Women and Infants

Pregnant Women-133% of the Federal Poverty Level
Infants (ages 0-1)-133% of the Federal Poverty Level

Non-Working Parents-27% of the Federal Poverty Level
Working Parents-87% of the Federal Poverty Level

Supplemental Security Income Recipients- 74% of the Federal

Covered Services
Ambulance, birth control, dental services, disposable supplies, durable medical equipment, doctor visits, emergency room, early periodic screening diagnosis and treatment, eyeglasses and eye exams, family planning, hearing tests, home health care, hospice, hospital, laboratory and x-ray, maternity services, medical supplies, mental health services, nursing home, occupational and physical therapy, prescription drugs, and transportation.

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

You may learn more about Nevada Medicaid at http://dhcfp.state.nv.us/.

Nevada offers the Check Up program to children under the age of 19, who are Nevada residents, U.S. citizens or legal residents, are not eligible for Medicaid, has not had health coverage in the past 6 months, and whose family incomes is up to 200% of the Federal Poverty Level. Please visit the Check Up program website for more detailed information at http://www.nevadacheckup.state.nv.us/.

Nevada Health Insurance Quotes

Nevada Health Insurance Companies

Nevada Health Insurance for Individuals and Families

Nevada Group Health Insurance (Small Business: 2-50 employees)

Nevada COBRA Individual Health Coverage

Medicaid in Nevada

Other Nevada Health Insurance Programs

Nevada Health Insurance Information