According to www.commonwealthfund.org, Nevada ranked 46th in 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 21st 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.
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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.
Income requirements
Children
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
Parents
Non-Working Parents-27% of the Federal Poverty Level
Working Parents-87% of the Federal Poverty Level
Other populations
Supplemental Security Income Recipients- 74% of the Federal
Poverty Level
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
Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.
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