Beginning Jan. 1, 2018, several Nevada counties will not have access to any qualified health plans on the Exchange. Anthem and Prominence have decided to cease subsidized on-exchange health insurance plans for Carson City and Lyon, Douglas, Storey, Humboldt, Pershing, Elko, White Pine, Churchill, Lander, Eureka, Mineral, Esmeralda and Lincoln Counties. If you’re one of the 8,000 consumers that lives in a bare county, there are various resources regarding assistance.
Anthem and Prominence are withdrawing their coverage in numerous counties due to federal instability, uncertainty regarding cost sharing reductions and potential elimination of the tax penalties for individuals. If you live in Washoe, Clark and Nye counties, HMO Colorado will offer plans in 2018.
Currently, your health insurance is effective through December 31, 2017. When your coverage ends, there are several options for maintaining health care. Anthem will offer off-exchange catastrophic health insurance plans statewide. This plan has limitations, such as no subsidy assistance to offset your monthly premium. Additionally, Carson City, Lyon, Douglas and Storey counties will have a Hometown Health off-exchange option.
In order to get medical care if your coverage lapses, you may visit Nevada Health Centers. Services range from primary medical services to dental, lab, x-ray and pharmacy. The cost is based on a sliding scale for uninsured patients based on family income. Additionally, Access to Healthcare Network, a non-profit organization connecting Nevadans to affordable services and providers, offers a Medical Discount Program as well as federally funded programs for low- and moderate-income Nevadans. This is not a health insurance option, but a resource to receive medical care. Access to Healthcare Network may be reached on their toll-free helpline at 877-385-2345.
Insurance carriers have until Sept. 20, 2017 to make their final decision regarding rejoining the exchange. Nevada Health Link is working hard to find a solution and incentivize carriers to provide coverage in your area.