Nevada Health Insurance


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Nevada Health Insurance

Nevada has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes important Nevada health insurance policy regulations.

  • Lists rules Nevada health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Nevada health insurance companies and policyholders alike must abide by established insurance laws.

Get a free health insurance quote

You can pick what coverage you want and set your limits and deductibles, before applying for more personalized rate info. This is a service that will provide you with competing quotes from local agents who can also offer help with setting coverage limits, deciding on a plan, etc.

Nevada health insurance policy provisions

Some of the most important Nevada health insurance laws are the ones that influence the health insurance policy specifically. For one, a Nevada health insurance stipulation called the guaranteed renewability provision, states that no matter what the status of your health is, your health insurance is always renewable.

Nevada health insurance policies are allowed to include exclusion periods for pre-existing conditions. Medical conditions considered to be pre-existing are determined by your Nevada health insurance company but typically include illnesses you have obtained medical care for in the past.

Health insurance exclusion periods can last a few years or can be permanent. During an exclusion period, Nevada health insurance companies are not responsible for paying any medical costs relating to the pre-existing condition.

Also, if you choose to switching Nevada health insurance, there is no guarantee the pre-existing condition exclusion period will be waived nor is there a limit to what exclusion your new Nevada health insurance company is allowed to impose.

Regulating Nevada health insurance companies

Health insurance laws in some states strictly regulate the cost and availability of health insurance policies. Nevada health insurance laws are rather relaxed in this area, which means you just have to be more aware of what liberties your health insurance company are allowed.

For instance, you can be denied health insurance or can be charged high premiums for health insurance on the basis of your health, Nevada health insurance laws do place limits on how much your premiums can vary.

Although your health insurance policy can be canceled for certain reasons such as false information or nonpayment of premiums, Nevada health insurance laws prohibit insurance companies from terminating your policy on the grounds of illness.

Temporary Nevada health insurance

Temporary Nevada health insurance is best obtained by buying a conversion policy.

In Nevada, health insurance companies must offer their former policyholder's both a basic and a standard conversion policy. There are set benefits for each of these plans and the cost of the premiums are limited.

An advantage of conversion plans is that you will not be required to meet a new pre-existing condition exclusion period.

You are eligible for a conversion policy if you have left a fully insured group policy and are not able to be covered under another policy, such as your spouse's policy. You also qualify for a conversion health insurance policy if you have lost insurance through the death of a spouse or if you are no longer covered as a dependent.

Applications for conversion policies must be received no later than 31 days after the end of your previous Nevada health insurance policy.

More NV health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Nevada small business health insurance.

To find out more about NV health insurance laws and regulations, visit the website of the Nevada Department Of Insurance.