If you’re looking into getting health insurance in Nevada, it’s a good idea to understand all of your options. Wondering what short-term health insurance can do for you? Read on for your guide to understanding what you need to know about short-term health insurance in Nevada.
Best Short Term Health Insurance in Nevada:
- Best Overall: Pivot Health
- Best for Comparing Plans: eHealth Insurance
- Best for Specialized Options: UnitedHealthcare
- Best for Clear Plan Documents: Everest Prime
- Best for Personalization: National General
- Best Short Term Health Insurance in Nevada:
- Nevada Short-Term Health Insurance Laws
- What is Short-Term Health Insurance?
- Who Needs Short-Term Health Insurance?
- When Can You Enroll for Short-Term Health Insurance?
- Where Can You Enroll for Health Insurance?
- Best Short-Term Health Insurance Options in Nevada
- Next Steps
Nevada Short-Term Health Insurance Laws
- You can have short-term health insurance coverage for up to 185 days.
- If a parent’s health insurance plan covers children, they can remain on their health insurance plan until 26 years old.
- There is no tax penalty in Nevada for not having health insurance.
What is Short-Term Health Insurance?
Short-term health insurance is a health insurance plan that’s designed to provide temporary health coverage. This type of health insurance plan is often thought of as a last resort coverage or a gap option if you need to bridge the gap between coverage from other health insurance plans.
Like any type of insurance, short health insurance comes with coverage benefits and exclusions. It’s important to understand that these health insurance plans are not part of the insurance plans that are offered in Nevada’s Health Insurance Exchange. The main difference is that these plans that are sold through Nevada’s Health Insurance Exchange are held to the requirements of the Affordable Care Act (ACA). Requirements include that health insurance plans must provide 10 essential health benefits. Short-term health insurance plans are not held to these requirements.
Most short health insurance medical plans offer coverage for these common medical expenses:
- Visits to your doctor’s office
- Preventive care
- Urgent care center visits
- Emergency and hospital care
- Some prescriptions
These plans can also have several exclusions, such as not covering preexisting conditions or certain surgical procedures or medical conditions. No matter which type of health insurance you have, to understand your insurance plan you must be familiar with common insurance terms.
A health insurance premium is the amount of money you must pay for your health insurance plan. Most of the time, you’ll pay your health insurance premium each month to keep your policy active.
Your covered expenses are what is covered by your health insurance plan. If an expense is covered by your plan, it means that your health insurance company will pay out the benefits for your covered expense. These can include prescriptions, diagnostic testing, visits to health care providers and more. To review your covered expenses, carefully read through your health insurance policy documents before enrolling in a health insurance plan.
It’s also important to understand how your deductible plays a part in the cost of your health insurance plan. Even though you’re already paying your health insurance premium you’ll need to make other payments for your health care. Your deductible is the amount of money you must pay out-of-pocket for covered expenses before your health insurance company will pay for your care.
After you’ve met your deductible, your health insurance plan may require you to make copayments. This means that you would need to pay a specific amount of money to your health care provider for a covered service. For example, if your copay for doctor’s office visits is $20, you would pay your doctor’s office $20 at your appointment and they will bill your health insurance company for the remaining cost of your visit.
Alternatively, your insurance plan may require coinsurance payments instead of copayments. Coinsurance is a percentage of your medical bill that you’ll need to pay to your health care provider.
Who Needs Short-Term Health Insurance?
Short-term insurance benefits you if:
- You’re in-between jobs and lost your employer-sponsored health insurance.
- You’re waiting for employer-sponsored coverage to begin.
- You’re unable to enroll in other health insurance because it’s outside of the Open Enrollment period.
- You’re waiting to enroll in Medicare.
When Can You Enroll for Short-Term Health Insurance?
To enroll in a health insurance plan through the Nevada Health Insurance Exchange, you must do so within a specific period of time called the Open Enrollment period. The only exception is if you lose your insurance due to a qualifying life event.
Fortunately, you can enroll in a short-term health insurance plan at any time of year. You don’t need to wait for a special period of time or for a qualifying life event.
Where Can You Enroll for Health Insurance?
If you’re wondering how to get health insurance, you should start by getting quotes. Getting a quote is a fast and free way to find out what your health insurance options and costs will be.
When it comes to getting short-term health insurance, getting a quote is even more important. Since short-term health insurance plans are not offered in Nevada’s Health Insurance Exchange, getting a quote is the best and quickest way to compare short health insurance plans. After getting your quote, you should be able to follow the directions for the plan of your choice to get enrolled.
Best Short-Term Health Insurance Options in Nevada
Is short-term health insurance sounding like a good idea to you? Then you’re going to want to know all about the best short-term health insurance in Nevada. Consider these options to give you the best health insurance coverage possible.
1. Best Overall: Pivot Health
Pivot Health is an insurance company that can provide both flexibility and a budget-friendly option for your short-term health coverage. It offers short-term health insurance plans that can give you coverage for up to 185 days. You’ll be able to choose the coverage period that you need within that limit so you don’t have to pay for your short-term insurance longer than you need.
Another benefit of getting a plan from Pivot Health is that it does not limit your coverage to health providers that participate in its network. Instead, Pivot Health can help keep your costs low no matter which provider you choose for your health care. Additionally, you’ll have the flexibility to choose the deductible and coinsurance amounts that best fit your budget.
2. Best for Comparing Plans: eHealth Insurance
Think of eHealth Insurance as your 1-stop-shop for finding the best short-term health insurance plan. This company partners with leading health insurance companies to provide affordable health insurance quotes. Using eHealth Insurance as a resource is especially useful if you’re considering a short-term health insurance plan since you won’t be able to compare the plans in the Nevada Marketplace.
eHealth Insurance can also provide you with additional resources to help you make the right decision for your health coverage. By using this website, you can compare short-term health insurance plans with each other and with ACA plans.
3. Best for Specialized Options: UnitedHealthcare
UnitedHealthcare is a trusted health insurance company that offers short-term health insurance plans to help bridge the gap in your coverage. Like many short-term health insurance plans, among the benefits of getting a plan from UnitedHealthcare is that it provides coverage at a budget-friendly price.
UnitedHealthcare also gives you further flexibility when it comes to choosing what is covered by your short-term health insurance plan. You can purchase an accident insurance plan or a critical illness insurance plan to help pay for injuries or illnesses covered by the plans.
UnitedHealthcare also offers a more traditional coverage option to help pay for common medical services such as a doctor visit or a trip to an urgent care facility. This option can even be used to supplement your other health insurance plans.
4. Best for Clear Plan Documents: Everest Prime
Everest Prime makes it easy to understand the benefits that come with its short-term health insurance plan. It offers coverage for doctor visits, in-patient hospital care, out-patient hospital expenses and more. You can also easily review what isn’t covered, such as preexisting conditions and certain surgical procedures.
Everest Prime’s short-term health insurance plans also allow you to choose the costs that work best for your budget. This means you can choose between deductibles of $1,000, $2,000 or $5,000. You’ll also be able to choose the coinsurance cost that you’ll need to pay to your health care provider after you’ve met your plan’s deductible.
5. Best for Personalization: National General
National General offers short-term health insurance that is designed to give you the coverage options that fit your needs. You can get both accident and medical short-term insurance plans from National General.
If you’re worried about picking the right option, National General can help put your mind at ease. Its enrollment process begins with completing a health questionnaire. After you’ve completed that, you’ll be shown the options that will allow you to build a short-term plan. You also can choose your deductible, coinsurance amount and coverage term.
Nevada’s short-health insurance doesn’t have to be complicated. If you think short-term plans are right for you, your next step is to get a quote. By getting a quote, you can compare plans available to you and choose the right option that suits you.