Nevada Health Insurance
Consumer Rights under NV State Law
Nevada insurance laws are not very restictive to insurance
companies but the few that are in place will help prepare
you for purchasing a coverage.
Policy Cancellation
All Nevada health insurance policies include a guaranteed
renewable provision. An insurance company cannot deny
renewal request if there are no contract violations.
Newborn and Dependent Coverage
An insurance policy issued in Nevada must automatically
cover newborns and adopted children for 31 days if the
policy already covers dependents.
Non Guaranteed Coverage
Nevada laws do not specify that an insurance company has
to issue insurance to an individual. An individual can
be denied coverage based on their health condition or
past conditions.
Unset Policies
Insurance companies in Nevada do no have policies that
are set by the state. This means they can tailor their
policies how they want. Insurance companies can choose
to cover or not cover certain pre-existing medical conditions.
This is called Elimination riders, and can be added to
any policy.
They can also set higher premiums based on current and
past health conditions and age.
Temporary Health Insurance
Insurance companies in Nevada are allowed to offer temporary
insurance coverage. This coverage is helpful if an individual
is between jobs. Temporary insurance coverage is not guaranteed
renewable and can be cancelled by the insurance company.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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