health insurance questions answered

Whether this is your first open enrollment period or you have had access to a health insurance plan on the Exchange before, you probably have some questions about your health insurance. Nevada Health Link collected the most frequently asked health insurance enrollment questions to help you with your enrollment process. Discover what questions other Nevadans have and their answers below:

 

I need coverage. How do I enroll?

You can find everything you need to enroll at Nevada Health Link. First, you’ll want to use read about who we are and what we do and learn about your options at start here. To immediately determine what you are eligible for, you can begin with the pre-screener tool that will bring you to the Division of Welfare & Supportive Services page, essentially Nevada Medicaid. Another option to see how much your plan would cost, estimate your costs with Healthcare.gov’s plan and prices comparison tool. After entering your basic information, including your family details and your estimated yearly household income, you’ll be able to see what benefits and plans you qualify for.

Nevada Health Link recommends getting free local in-person assistance from a licensed enrollment professional who can help you find the perfect plan for your specific situation,  health needs and budget. Our in-person assistance tool will help you find a certified enrollment assister in your area.

Make sure you have the necessary documents and checklist of what your assister will need to know in order to enroll you in a plan. We created a pre-enrollment checklist to help.  Most importantly, don’t forget your healthcare.gov login credentials if you already have a plan. This will make the process go a lot faster. If you need to reset your password, call 1-800-318-2596 and press 3 for more information.

 

I need to re-apply for next year. How do I do that?

If you have a qualified health plan under Nevada Health Link, you will automatically be re-enrolled in that same plan if it is still offered on the Marketplace. If your plan is no longer available (Anthem or Prominence), you will be enrolled into a similar plan. Even if you’re happy with your current plan, it is important to shop on the Marketplace since new plans might be offered in your area. Be sure to call your current insurance provider if you’d like to change carriers.

 

Are my children covered under my policy?

When you apply for a health insurance plan on Nevada Health Link’s Marketplace, you may choose to include your children on the application. Children under the age of 26 are eligible to stay on their parents’ health insurance plan. If you’re covered by a parent’s job-based plan, your coverage usually ends when the child turns 26.

More information about the Children’s Health Insurance Plan (CHIP) under the Nevada Check-Up Program through Medicaid, please visit our Medicaid Eligibility page or call 877-543-7669.

 

I don’t like my employer’s plan. What are my options?

With most job-based health insurance plans, your employer will contribute to your monthly premium. If you choose to waive your job-based plan, you will be responsible for the full cost of your Marketplace plan. Additionally, you most likely will not qualify for a premium tax credit or other discounts for your premium on the Marketplace. A job-based health insurance plan is usually one of the best options for consumers, so keep that in mind if you’re thinking about switching to a Marketplace plan through Nevada Health Link.

With the open enrollment window closing on Dec. 15, 2017, make sure you are prepared to get health insurance. If you need assistance immediately or have any other health insurance enrollment questions, you can call Nevada Health Link at 855-7NVLINK (855-768-5465) or email us at customerserviceNVHL@exchange.nv.gov.

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