Health Insurance Carriers in Nevada (NV)
Health Insurance options differ from state to state, and Nevada carriers offer different health care plans than those available in other states. For your convenience, we have already done the research. Review a list of recommended Nevada carriers and click the links to learn more about them. Then, review basic information your healthcare rights in Nevada, along with restrictions.
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Health Insurance Providers in Nevada
Anthem Blue Cross and Blue Shield of Nevada
Assurant Health (Formerly Fortis)
Celtic
Health Plan of Nevada
PacifiCare
Security Life
UNICARE
Group Health Insurance in Nevada
- Qualified applicants may not be denied grouped coverage or charged more for group coverage based on a health problem.
- Employers and HMOs can require a waiting period before offering group coverage.
- Life changes related to family and job loss provide for more opportunities for group health insurance.
- When assessing a pre-existing condition, providers may review medical history for the six months prior to group coverage.
- If a pre-existing condition is evident, providers may require an exclusion period for the condition for up to 12 months.
- If coverage has been maintained without a lapse for at least 63 days, creditable coverage is available.
Small Business Health Insurance in Nevada
- Small businesses applying for small group health insurance may not be denied based on health factors within the employee group.
- Coverage may not be cancelled due to illness in the employee group.
- Policy costs vary according to limit amounts and group size.
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Self-Employed Health Insurance in Nevada
- The self-employed may not purchase small group insurance.
- Contact the Nevada Division of Insurance before acquiring insurance through affiliation through a business or professional association.
Nevada Division of Insurance
788 Fairview Drive, Suite 300
Carson City, NV 89701
(775) 687-4270
www.doi.state.nv.us
Individual Health Insurance in Nevada
- Private insurers may deny coverage to those with health problems.
- Those eligible for HIPAA must be offered one of two basic, standardized policies.
- Those not HIPAA eligible but with a pre-existing condition may have an exclusion rider attached to their policy or be required to submit to almost unlimited exclusion periods.
- Providers have leeway with the time limits and terms of pre-existing conditions.
- Pregnancy may be classified as a pre-existing condition.
- Individual policies may not be cancelled because of illness, but there are few limits on the cost of premiums.
Nevada Health Care Programs
Medicaid and Nevada Check Up assist low income residents with health care.
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