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Posted by on Sep 19, 2013 in Nevada | 0 comments

Nevada’s Health Insurance Marketplace

The Silver State Health Insurance Exchange Nevada Health Link

What is the website for Nevada’s new online health insurance marketplace?

On June 16, 2011, Nevada’s Governor Brian Sandoval signed SB 440 into law establishing the Silver State Health Insurance Exchange. In March 2013, the state announced that the online consumer marketplace would be called Nevada Health Link and in June the Silver State Exchange launched the website.

Will coverage and premiums be the same statewide?

Many insurers have chosen to only offer coverage in certain regions of the state; the number of plan options will vary by region.

Nevada has been divided into four geographic rating areas and insurance premiums can vary in each of these regions. The various regions of the state have different health care costs and so the rating areas are used to help determine insurance premiums.

1 Southern NV Nye, Clark
2 Northern NV1 Washoe
3 Northern NV2 Carson City, Douglas, Lyon, Storey
4 Rural NV Esmeralda, Eureka, Humboldt, Lander, Lincoln, Elko, Mineral, Pershing, White Pine, Churchill

Which companies will be offering plans through the Nevada Health Insurance Exchange?

The Nevada Division of Insurance, Approved 2014 Health Insurance Rates. Individual rates are available, but the website states that small group rates will be available after October 1, 2013. At this point, four companies have been approved to offer individual plans through the State Health Insurance Exchange.

Nevada Health CO-OP, NHC is a new non-profit health Consumer Oriented and Operated Plan created under the Affordable Care Act. The new organization will be offering products to individuals and small groups both on and off the exchange. Products will have names like: Southern Simple, Northern Simple, and Frontier Simple. Individual products will be available at the gold, silver, bronze, and catastrophic metal levels and employers products will be available at the platinum, gold, silver, and bronze levels. NHC is the only Nevada company to show clear intent to offer small group plans.

Anthem Blue Cross and Blue Shield of Nevada will offering plans through HMO Colorado Inc., dba HMO Nevada and OPM dba HMO Colorado, Inc. HMO Colorado Inc., dba HMO Nevada will be offering Anthem Direct Access individual plans statewide at the gold, silver, bronze, and catastrophic metal levels. OPM on behalf of HMO Co. Inc., will be offering a Multi-State Plan, Anthem Blue Cross and Blue Shield Direct Access at the gold and silver metal levels.

Saint Mary’s Healthfirst and Access to Healthcare Network (AHN) have partnered to create an innovative healthcare option for individuals seeking insurance coverage. Individuals and families in Carson City and Washoe, Storey, Lyon and Douglas counties (Areas two and three) are eligible to choose from a variety of plans under the new program, HealthNow. Saint Mary’s individual HMO plans will be available at the gold, silver, and bronze metal levels.

Health Plan of Nevada Incorporated (HPN), a UnitedHealthcare Company, will have individual coverage options available in areas one and two. HPN products will be available at all metal levels.

The BEST Life website shows the company’s intentions for offering stand-alone dental products on the Nevada State Health Exchange. BESTONE plans will be available for individuals and BESTDental for employer groups, both using the DenteMax Network.

New information is being released every day. Follow this blog to receive updates as new information is released in Nevada.

Jillian Carlile
Research Analyst & Health Exchange know-it-all

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