People know that in this day and age, Nevada health insurance is not just a luxury, it is a necessity. With the cost of medical care and treatments continuing to skyrocket, it is more important than ever to be able to find a trusted source for good, affordable Nevada health insurance quotes. Thousands of people are choosing insuranceUSA.com for just this purpose. In basic terms, health insurance is a form of insurance which covers medical expenses, both routine and emergency. Many states also offer additional coverage packages, including disability and long-term care.
The following article will provide details and information pertaining to the regulations of Nevada health insurance for both individual and small group subscribers. There is also basic information concerning COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The main users of COBRA insurance are people who have, for whatever reason, lost their primary means of health coverage, usually through the loss of a job. However, COBRA insurance covers more than just former employees. Other common users of COBRA insurance include recent retirees and people with disabilities. COBRA insurance also commonly covers the spouse and/or children of those who enjoy its benefits.
You will also find statistical information allowing you to compare the healthiness of Nevadans to those who live in other states.
In this article, you will find all the information you need about Nevada health insurance to allow you to make an informed and thoughtful decision concerning your health insurance needs. At insuranceUSA.com we will provide you with quotes for the exact, personalized type of health insurance which you choose.
Nevada Individual and Family Health Insurance
In Nevada, individual or family health insurance policies are not guaranteed. Most Nevada health insurance policies are medically underwritten, which allows insurance companies to deny coverage to anyone based on their current or past medical history, including pre-existing conditions. When applying for health insurance, you will be asked to fill out a comprehensive questionnaire, covering everything from current and past medical status and family medical history (parents, siblings, etc) to life-style questions, such as smoking habits, alcohol consumption, etc. Nevada health insurance premiums will vary according to age, gender and the type of health insurance plan that has been applied for. If you do have a pre-existing medical condition, there are three different options which may be offered to you. One is that you may be denied any and all health insurance coverage, which is within the Nevada health insurance company’s rights. The second option is that you may be offered coverage, but with a rider attached. This rider simply states that the insurance company is not liable and will not cover any claims deemed to be related to the pre-existing condition. The third option is that you may qualify for full coverage, but you can expect that your premiums will be higher than those of a healthy individual.
Nevada Group Health Insurance
Nevada health insurance is designed for groups, or companies, with more than 2, but no more than 50, employees. Under Nevada health insurance regulations, part-time employees and those who live outside of the insurance service area may not be eligible for coverage under the group plan. Those employees who do qualify for coverage will be guaranteed Nevada health insurance under the group insurance plan, no matter what your current health condition. The company that issues the Nevada health insurance does not decide on a waiting period before the coverage takes effect. Instead, any waiting period is decided on by the employer. Some group plans will exclude benefits for medical conditions you were treated for within the last six months prior to when their coverage begins. But, if that happens, there are certain types of insurance that that will continue to provide health care benefits for conditions that you were treated for while you were covered under one of their plans.
Nevada COBRA Insurance
Under Nevada health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their Nevada health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the Nevada health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further Nevada health insurance coverage available through the Nevada Comprehensive Health Insurance Association (ACHIA).
Nevada Health Information and Statistics
If you are in the market for quality Nevada health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Nevada ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in Nevada are a low rate of preventable hospitalizations, low levels of air pollution, and a low prevalence of obesity. Nevada also faces many challenges, such as a high violent crime rate, low immunization coverage, and a low high school graduation rate.
According to a 2008 study, Nevada had some significant changes over the past year, including a significant decline in the high school graduation rate of 17%. In the past five years, the percentage of children living in poverty increased by 55%. Since 1990, the incidence of infectious disease declined by 65% and the prevalence of smoking decreased by 40%.
Following is a variety of statistical data related to living in Nevada, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Nevada health insurance.
- Prevalence of Smoking-35th
- Prevalence of Obesity-30th
- Violent Crime-48th
- Children in Poverty-19th
- Air Pollution-14th
- Cancer Deaths-32nd
- Lack of Health Insurance-43rd
- Prevalence of Binge Drinking-30th
- Infant Mortality-17th
- Infectious Disease-33rd
- Premature Death-41st
Overall Rank: 42