Nevada Health Insurance
When it comes time to finding the perfect health insurance plan in the state of Nevada, residents will be glad to know they have a lot of options. Those in search of health insurance will soon find there are many plans available to match their financial and medical care needs.
You can gather all the information you need concerning Nevada health insurance rules, regulations, and laws. Also review the various insurance companies in Nevada and their selection of health care products.
If you don’t currently live in the state of Nevada, you can search health insurance by state here.
To receive health insurance quotes from an assortment of Nevada insurers, simply fill in the online form below.
Resources on this page
Nevada Health Insurance Stats
Nevada Residents: 2,684,000
Median Annual Household Income: $51,263
Nevada Health Care Expenditures (in millions): $15,133
Households with at least 1 full time worker: 1,208,400
Nevada Health Insurance Coverage based on Total Population (%):
- Employer: 55%
- Individual: 6%
- Medicaid: 14%
- Medicare: 13%
- Uninsured: 11%
Total Nevada HMO Enrollment: 604,246
Certain Nevada health insurance laws regulate the private health insurance market; and some federal laws offer residents protections, as well.
All Nevada health insurance plans are required by law 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
Nevada health insurance companies are also required cover mental health conditions at an equal level as physical health conditions, also known as "mental health parity."
Residents of Nevada are also 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 which provides coverage for a number of different medical services with a maximum lifetime benefit of $1 million.
There are a few public Nevada health insurance programs to provide low-income residents access to health care.
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 health insurance program, visit them 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 health 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.
Residents in Nevada with pre-existing conditions will be able to get health insurance coverage from the high risk pools established under the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Nevada will run similar to regular Nevada health insurance policies and require enrollees to pay affordable premiums and out-of-pocket costs.
Those eligible for the Nevada PCIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium cost for Nevada residents will be $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.
The Nevada PCIP will provide health insurance benefits 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 been without health insurance for six months and have a medical condition.
For more information on the Nevada health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Nevada health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
CoventryOne Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Health Plan of Nevada is a part of the Sierra Health Services family, offering a range of health insurance options. They are also the oldest and largest HMO provider in the Silver State.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Sierra Health and Life Insurance Company provides comprehensive health care coverage with high-quality insurance products for affordable rates.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
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.
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Find the contact information for the Nevada health insurance and consumer health assistance offices at:
788 Fairview Drive
Carson City , NV 89701
Phone: (775) 687-4270
555 E. Washington Ave
Las Vegas , NV 89101