Nevada: Health Insurance Coverage and Resources

If you’re uninsured in Nevada, short term health insurance from Pivot Health offers a temporary solution to your coverage needs. Our short term health plans cover doctor’s visits, in-hospital care, prescription drugs, and more while you’re transitioning between major medical plans. 

Pivot Health provides the flexible, budget-friendly coverage you need, giving you: 

  • Up to 185 days of coverage (short term health insurance is nonrenewable in Nevada).
  • The ability to choose the coverage period, which makes it easy to switch to comprehensive health insurance later.
  • Flexibility when it comes to out-of-pocket costs such as deductibles and coinsurance, and rates that are up to 50% lower than major medical plans. 
  • The freedom to visit any health care provider without worrying about your medical bills. There are no provider-limiting networks, so no “out of network” prices. Bills are repriced so you will never pay retail rates.

Pivot Health members also enjoy several non-insurance benefits such as: 

  • Unlimited access to telehealth services at discounted prices. You’ll have 24/7 access to doctors without booking an appointment or driving to the office. The low-cost rate for visiting with a doctor over the computer or your phone via video chat is more affordable than seeing a doctor in person, and they can prescribe medications if you need them. 
  • Discounts of up to 40% on eye care and eyewear. You can keep your eyes and your vision in tip-top shape for less.
  • Discounts of up to 75% on prescription drugs from thousands of pharmacies across the country. No more stressing over how you’ll pay for prescriptions!

How do you know if short term health insurance is right for you? A Pivot Health plan can be a healthcare solution if:

  • You’re switching jobs and have a waiting period before you can enroll in an employer-sponsored health plan.
  • You lost your job, and can’t afford COBRA coverage. 
  • You’ve retired early, and aren’t eligible to enroll in Medicare yet.
  • You just turned 26, and are no longer covered by your parents’ plan.
  • You can’t afford an individual plan through Nevada’s health insurance exchange but don’t qualify for Medicaid. 

You can enroll in a Pivot Health short term health plan at any time. There is no open enrollment period or special enrollment period for you to qualify. It’s quick and easy to apply through our online portal, and you’ll know if you’re approved within minutes. Your effective date is even up to you. It can be as early as 24 hours after you apply!

Nevada Health Insurance Exchange Challenges

In 2014, Nevada launched its own exchange, which operated as the Silver Health Insurance Exchange. The site had numerous technical issues that prompted the state to switch to HealthCare.gov (the federal exchange). Nevada continued to use the rest of the state exchange (Nevada Health Link) from 2014 to 2018, giving the state a high degree of autonomy. 

The federal government charged states that have their own exchange but use HealthCare.gov a fee equal to 2% of premiums. That fee will rise to 3% in 2019, but Nevada residents won’t need about it affecting rates. The state will once again operate its own exchange starting in the fall of 2019.

Nevada is also the only state that allows residents to buy comprehensive health insurance outside of the exchange year around. However, there is a three-month waiting period before coverage begins, and premium and cost-sharing subsidies are unavailable outside of the federal exchange. This means you’ll need to pay full-price for a health plan if you buy one outside of open enrollment. 

(If you qualify for a special enrollment period, you can enroll in a health plan through the exchange at any time.)

A Report on Nevada’s Wellbeing

A 2017 Gallup-Sharecare Well-Being Index evaluated how overall well-being varies throughout the United States by surveying residents on five different categories. Nevada ranked 43rd  out of 50 for overall welling-being, with a score of 60.18. (The national well-being score was 61.5 that same year.) 

Nevada was one of seven western states that reported a drop in well-being from 2016 to 2017. It fell into the fourth and fifth quartiles in all five categories, ranking: 

  • 39th in Purpose, defined as liking what you on a daily basis and being motivated to achieve your goals.
  • 43rd in Social, defined as having love and supportive relationships.
  • 40th in Financial, defined as the ability to manage your finances in ways that reduce stress and increases security.
  • 49th in Community, defined as liking where you live, feeling safe and having pride in your community.
  • 34th in Physical, defined as having good health and enough energy to complete everyday tasks. 

Children’s Wellbeing in Nevada

According to a Kids Count Profile by the Anne E. Casey Foundation, Nevada ranked 47th in children’s overall well-being. However, the state has made significant gains in gains in economic well-being and some gains in health care. 

The report found that as of 2017:

  • 19% of children live in poverty, down from 22% in 2010.
  • 27% of children have parents who lack secure employment, down from 36% in 2010.
  • 33% of children live in households with a high cost of living burden, down from 47% in 2010.
  • 8% of children lack health insurance, down from 18% in 2010.
  • Teen births fell from 22 per 1,000 residents, down from 39 per 1,000 in 2010.

The State of Health in Nevada

A 2019 County Health Ranking report evaluated the current state of health among Nevada residents, comparing counties within the states as well as nationwide. 

Nevadans fared as well or better in categories such as physical activity and obesity. The report found that:

  • 22% of adults age 20 or older report no leisure-time physical activity, which is the same percentage nationwide.
  • 27% of adults are obese, compared to 29% nationwide.
  • 16% percent of adults are current smokers, compared to 17% nationwide.

Yet a higher than average percentage of Nevadans remain uninsured and report poor health. The report found that: 

  • 13% of the population under 65 is uninsured, compared to 10% nationwide.
  • 21% of adults have fair or poor health, compared to 16% nationwide.
  • Adults report an average of 4.5 poor mental health days per 30 days, compared to 3.8 nationwide.

Health outcomes in Nevada also vary widely when broken out by race and ethnicity. For example:

  • 30% of Hispanics reported fair or poor health, compared to 27% of Native Americans, 20% of Asians, 18% of Blacks, and 17% of Whites.
  • 14% of Black babies had a low birth weight, compared to 10% of Asians, 8% of Whites, and 7% of Hispanics and Native Americans. 
  • 11,500 Blacks die prematurely every year, compared to 11,300 Native Americans, 8,200 Whites, 4,600 Hispanics, and 4,400 Asians.

Diabetes in Nevada

Nevada ranks 19th out of 50, making it one of the states with the lowest prevalence of diabetes. About 10.6% of Nevadans have the disease, according to a 2017 State of American Well-Being report. That number is up from 10% in 2016 but has grown 0.1% slower than the national rate (10.8% to 11.5%). 

Among the 186 communities included in the report, Reno, Nevada was one of just four that had a prevalence at or below 7%.

2019 Health Insurance Plans in Nevada

The Silver State Health Insurance Exchange will once again operate through the Nevada Health Link website. Health plans will be available from the following carriers:

  • Health Plan of Nevada
  • SilverSummit
  • HMO Nevada/Anthem BCBS

Anthem is rejoining the exchange to offer plans for 2020, and existing insurers have proposed an increase of just 0.5% for the year. In 2019, plan prices increased by 0.4%.

Medicaid Enrollment in Nevada

Nevada is one of the 37 states that chose to expand its Medicaid program under the Affordable Care Act. This allows residents who earn up to 138% of the federal poverty line to qualify for Medicaid.

As of 2017, over 631,000 people (17% of residents) were enrolled in the program. The expansion has helped reduce a long-standing coverage gap among nonelderly Hispanics. Between 2013 to 2015, the uninsured rate for this group fell from 34% to 19%. 

Seniors also make up a large portion of Medicaid spending in Nevada. While 13% of seniors (55,00 residents) are enrolled in the program, they account for 28% of all spending.

Your Healthcare Coverage Choices

Although you can buy a major medical plan in Nevada outside of open enrollment, you don’t want to risk going without coverage for three months. A short term health plan from Pivot Health will keep you covered while you wait to enroll in an exchange plan, employer-sponsored insurance, or Medicare. 

Short term health insurance from Pivot Health offers the coverage flexibility you need, at a price you can afford.

Pivot Health: offering you choices and flexibility that pivot with your insurance needs over time.

 

 

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