NEVADA HEALTH INSURANCE
For too long, too many hardworking Americans paid the price for policies that handed free rein to insurance companies and put barriers between patients and their doctors. The Affordable Care Act gives hardworking families in Nevada the security they deserve. The new health care law forces insurance companies to play by the rules, prohibiting them from dropping your coverage if you get sick, billing you into bankruptcy because of an annual or lifetime limit, or, soon, discriminating against anyone with a pre-existing condition.
All Americans will have the security of knowing that they don’t have to worry about losing coverage if they’re laid off or change jobs. And insurance companies now have to cover your preventive care like mammograms and other cancer screenings. The new law also makes a significant investment in State and community-based efforts that promote public health, prevent disease and protect against public health emergencies.
Health reform is already making a difference for the people of Nevada by:
PROVIDING NEW COVERAGE OPTIONS FOR YOUNG ADULTS
Health plans are now required to allow parents to keep their children under age 26 without job-based coverage on their family coverage, and, thanks to this provision, 3.1 million young people have gained coverage nationwide.
MAKING PRESCRIPTION DRUGS AFFORDABLE FOR SENIORS
The health care law includes benefits to make Medicare prescription drug coverage more affordable. In 2010, 25,077 people with Medicare in Nevada who hit the prescription drug donut hole received a $250 rebate. In 2011, people with Medicare who hit the donut hole began receiving a 50 percent discount on covered brand-name drugs and a discount on generic drugs. Since the law was enacted, Nevada residents with Medicare have saved a total of $27,869,581 on their prescription drugs. In the first nine months of 2012, 14,434 people with Medicare received a 50 percent discount on their covered brand-name prescription drugs when they hit the donut hole. This discount has resulted in an average savings of $585 per person, and a total savings of $8,441,144 in Nevada in 2012. By 2020, the law will close the donut hole.
COVERING PREVENTIVE SERVICES WITH NO DEDUCTIBLE OR CO-PAY
In 2011, 164,005 people with Medicare in Nevada received free preventive services – such as mammograms and colonoscopies – or a free annual wellness visit with their doctor. And in the first nine months of 2012, 131,348 people with Medicare received free preventive services.
PROVIDING BETTER VALUE FOR YOUR PREMIUM DOLLAR THROUGH THE 80/20 RULE
Under the new health care law, insurance companies must provide consumers greater value by spending generally at least 80 percent of premium dollars on health care and quality improvements instead of overhead, executive salaries or marketing. If they don’t, they must provide consumers a rebate or reduce premiums.
NEVADA HEALTH PLANS
Health Insurance works with Nevada insurance providers that offer health insurance for individuals and families. Compare Nevada individual and family health plans from various providers and select the plan best suited for your health care needs.
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN NEVADA
A new Nevada private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE NV INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you.Depending on the health insurance company, Nevada individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
NEVADA COLLEGE / UNIVERSITY COVERAGE REQUIREMENTS
Some Nevada colleges and universities may require that students to have some form of health insurance coverage. You should check with the admissions office to determine if health insurance coverage is required.
BENEFITS / ADVANTAGES OF STUDENT PLAN
Some benefits of a student plan include:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.