When searching for health insurance in Nevada, there are ways to put the odds in your favor. You can tap the expertise of HealthQuoteInfo, and help you determine the most suitable health insurance plan for both you and your family.
ESI & Small Business Health Insurance Nevada
This acronym stands for Employer-Sponsored Insurance, and it’s a useful way for you to obtain the coverage you need. The plan can also cover your family and other dependents. The main advantage of ESI plans is that your employer pays a portion of the premiums, so your health insurance becomes much more affordable. You may only pay about a third of what the plan will usually cost.
Another advantage of this type of health insurance is that even those with pre-existing medical conditions can qualify for coverage. You won’t be denied unless you’ve had a lapse of coverage for more than 63 days, which could bar you from receiving coverage for the first 12 months of the ESI.
Maintaining your coverage can be more difficult, especially if you’ve lost your job, or your work hours have been reduced. In such cases, you can use the COBRA program to extend the coverage for the next 18 months, even if you have to pay for the premiums yourself. This provides you with a bit of time to find a new job and get on a new health insurance plan.
Private Health Insurance in Nevada
If you don’t like the plan your employer offers or if you lose that coverage, you can simply purchase private health insurance for both individuals and families. It’s not hard to find these plans, and you can do so right now on this site. Once you’ve entered your zip code in our search bar, you’ll get the plans available for your area and simply choose among them.
Admittedly, such plans aren’t always affordable for many families. That’s why there are health insurance assistance programs available from both the federal and state government. The federal government has Medicare for people who are over the age of 65 or who have disabilities. Nevada also has Medicaid, which offer free or low-cost health care services for people with special needs or low income.
Family Medical Coverage
This program is available for children and families whose incomes do not exceed 138% of the federal poverty level (FPL). The latest FPL guidelines mean that FMC applicants must not have an income exceeding $28,676.40 for a family of three, while a family of four has an income ceiling of $34,638 in order to qualify.
However, uninsured children under the age of 19 whose families exceed these limits can still get the same health insurance benefits through Nevada Check Up, which is the state’s version of the Children’s Health Insurance Program. For this program, the income limit is 205% of the FPL. That’s $51,455 for a family of four.
Emergency medical assistance can also apply for illegal non-citizens, if they can meet other eligibility standards. This coverage is assessed on a month-by-month basis.
Pregnant women who are eligible for Medicaid during her pregnancy are also covered for postpartum services. Newborn children are also eligible for Medicaid if their mother was eligible when they were born. However, this child must stay in Nevada to continue receiving Medicaid benefits.
If parents or caretakers lose eligibility due to an increase in income, Medicaid benefits don’t always end. If they were enrolled in FMC for at least three of the six months before they lost eligibility, then they can extend Medicaid coverage for up to another year.
Those under the age of 26 can also qualify for Medicaid, if they were in foster care in Nevada.
MAABD & Low Income Health Insurance Nevada
This is medical aid from Medicaid designed for the aged, blind, and disabled. Qualified applicants include recipients of Social Security Income and certain people who have lost SSI eligibility. Other qualified individuals include disabled children who require medical facility care.
Employed individuals who are 16 to 64 years old and have disabilities can qualify, if their income does not exceed 250% FPL. That’s a ceiling of $62,750 for a family of four. Nursing facility residents can also qualify if their gross monthly income is within 300% of their SSI payment level.
Even some ineligible non-citizens may get Medicaid coverage, if they have emergency medical needs.
If you’re on Medicare, you may find the costs more expensive than you would have liked. This Medicaid program can help pay for a portion of your Medicare premiums. The amount you receive will depend on your income level.
If your income is at or below 100% FPL, you can be a qualified Medicare beneficiary (QMB). Medicare will pay for your Medicare premiums, co-insurance, and deductibles. You’re a Special Low Income Medicare Beneficiary if your income is within the 100-120% FPL range. Medicaid pays for your Medicare Part B premium.
Qualified Individuals have an income of 120-135% FPL. This also pays for Medicare Part B, but ends if the state allocation is used. Finally, you’re a qualified disabled working individual if you’re disabled and your income is less than 200% FPL. Medicaid pays for Medicare Part A only.
Nevada Open Enrollment 2019 & Nevada Obamacare Insurance
The Nevada Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Nevada, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.