Affordable Care Act and Nevada Health Insurance

Many families in Nevada often struggle to pay for the cost of health insurance, with data from the Kaiser Family Foundation suggesting that as many as 18.05% of residents are uninsured. However, a number of families can qualify for health insurance programs that are subsidized by the government. In fact, it can often cost very little to enroll in these programs, and they offer many of the benefits that you would expect from regular insurance coverage. Here are some facts about health insurance in Nevada, including information in relation to the Affordable Care Act. 

1. Exchanges, subsidized health insurance and private health insurance Nevada

The Nevada Health Insurance Exchange is the marketplace for health insurance under the Affordable Care Act. You can use the exchange to find insurance cover that best suits you and your family, compare different plans, and apply for cost assistance. All health insurance sold must reflect the rights, protections and benefits of the Affordable Care Act. You can visit the the Nevada Health Link website to find insurance plans and find out if you are eligible for any subsidies which could lower the amount that you pay for insurance premiums. You can also select private insurance policies that provide you with a minimum level of coverage. These private insurance plans can be obtained from an insurance broker or direct from the insurance company. 

2. Medicaid in Nevada

Medicaid provides Nevada health insurance for residents in Nevada who qualify for the program. These can include families and individuals on a low income, disabled people, pregnant women, and individuals who require medical needs. Income will be taken into account when deciding whether you are eligible for Medicaid, and further information is available on the Nevada Medicaid website. Eligibility will depend on a number of other factors; for example, a pregnant woman who has children up to the age of five may qualify for the program depending on her household income, although a pregnant woman with children aged over six may not. In order to apply for Medicaid, you ill need to contact your local Division of Welfare and Supportive Service office. For information on your local office, refer to the division’s website. You can also check whether you are eligible for coverage by contacting the Nevada Medicaid Central Office by telephone. 

3. Nevada Check Up Program

Households that are unable to qualify for Medicaid may still be eligible for the Nevada Check Up Program if they don’t have any health insurance when they apply for the program. The state of Nevada requires that household income is taken into account when deciding who will be eligible for the program. The program is not completely free but can dramatically reduce the costs of healthcare for children across the state. For example, premium payments for the program are taken every three months, and can cost between $10 and $50 each quarter – significantly less than other insurance cover. The scheme provides payments for doctor’s visits, vaccinations, ambulance transfers, and x-ray work, among many other services. Individuals can also get access to family planning supplies and counselling services. In order to apply for the Nevada Check Up Program, you will need to complete an application online at the official website of the Nevada Department of Health and Human Services. 

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Source Credits:

http://www.ehealthinsurance.com/nevada-health-insurance

http://lasvegas.cbslocal.com/2013/07/30/nevada-the-affordable-care-act/

http://www.healthinsurance.org/nevada/

contributing writer: Braby2014 

Edited by: Las Vegas Auto Insurance