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Nevada Health Insurance

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Updated January 04, 2009

Nevada Division of Insurance

The Nevada Division of Insurance is responsible for regulating all types of insurance sold in the state of Nevada -- including health insurance policies.

If you are looking for health insurance coverage, the Division of Insurance can help you find an insurance agent or insurance company that is licensed to do business in Nevada. You can contact them at the phone number listed below, or conduct your own search online.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Division of Insurance. You can fill out an online complaint form, or print one out and mail it.

Nevada Division of Insurance
Carson City Office
788 Fairview Dr. #300
Carson City, NV 89701
Phone: 775-687-4270 or 1-888-872-3234
Email: ldaniel-palmer@doi@state.nv.us or dwalmsley@doi.state.nv.us

Las Vegas Office
2501 E. Sahara Ave. #302
Las Vegas, NV 89104
Phone: 702-486-4009 or 1-888-872-3234
Email: hamborn@doi.state.nv.us

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees. For example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage -- for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan -- contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
San Francisco Regional Office
90 7th Street, Suite 11-300
San Francisco, CA 94103
Francis Clisham - Director
Phone: 415-625-2481
Fax: 415-625-2450

Buying Individual Policies in Nevada

As a general rule, insurers in Nevada are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:

  • had at least 18 months of continuous creditable coverage, the last day of which was under a group plan

    AND

  • you have exhausted all COBRA continuation coverage which was available to you.

People who are HIPAA-eligible are guaranteed the right to buy insurance through the Nevada Comprehensive Health Insurance Risk Pool Association (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Division of Insurance can help you find out.

Nevada Check Up - State Children's Health Insurance Program

Nevada Check Up provides health insurance coverage for children under age 19 whose families meet certain income requirements.

Nevada Check Up
Division of Health Care Financing and Policy
1000 East Williams Street, Ste 200
Carson City, Nevada 89701
Phone: 775-684-3777 or 1-877-543-7669
Fax: 775-684-8792

Nevada State Health Insurance Assistance Program (SHIP)

SHIP provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit or Medigap coverage.

SHIP
Phone: 702-486-3478 or 1-800-307-4444

Nevada Medicaid

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about Nevada Medicaid, download a Medicaid Guide, or contact Nevada Medicaid at the number listed below.

Nevada Medicaid Central Office
1100 East William Street, Suite 101
Carson City, NV 89701
Phone: 775-684-3600 or 702-486-1660
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