Nevadans have more ways than ever to enroll in a qualified health plan through Nevada Health Link, with free enrollment assistance available to anyone who needs it. In this post, we’ll be taking you through how to enroll with Nevada Health Link and showing you how easy it is to get coverage. Let’s get started.
Why Nevada Health Link?
Nevada Health Link is the state’s official health insurance marketplace, and the only place you can receive federal tax credits known as subsidies to help cover the cost of your health insurance. How much you pay each month for health insurance will be based on your household income, family size, and location. 9 out of 10 enrollees are saving more than ever before with health insurance plans through Nevada Health Link. Depending on your individual situation, you may be eligible to receive these financial subsidies to help pay for your monthly premiums.
Qualified Health Plans
Nevada Health Link is the best choice for Nevadans, as it’s the only place that guarantees coverage of the 10 Essential Health Benefits in all qualified health plans with no annual or lifetime limits. Benefits include emergency services, mental health and substance use disorder services, prescription drugs, pregnancy and newborn care (birth control & breastfeeding), rehabilitative services, laboratory services, preventive services, and pediatric services.
Find a Plan that Fits Your Plans
When it comes to selecting a plan at Nevada Health Link, you will notice three tier levels: Gold, Silver and Bronze.
Each tier includes the 10 Essential Health Benefits, and all of them are crafted to best fit your lifestyle and budget:
- Gold: 20% cost-sharing (a higher monthly premium; lower costs when you need care).
- Silver: 30% cost-sharing (a moderate monthly premium; moderate costs when you need care).
- Bronze: 40% cost-sharing (a lower monthly premium; higher costs when you need care. Some carriers who do not offer plans on Nevada Health Link only offer bronze metal tier plans).
- Catastrophic Plans: Catastrophic plans cover the same essential health benefits as other Nevada Health Link plans. Like other plans, catastrophic plans cover certain preventive services at no cost and can cover at least three primary care visits per year before you’ve met your deductible. Catastrophic plans are typically limited to those who are under 30, not eligible for the Advance premium tax credit (APTC), or have only so many preventive care visits until the annual out-of-pocket maximum is reached. Learn more about catastrophic plans with Nevada Health Link.
Pre-Enrollment Checklist
Whether enrolling online, by phone or with an enrollment professional, you will need certain documents and information to complete your insurance enrollment. Here are the documents to have on hand when you start the enrollment process:
- Valid Nevada Driver’s License
- Social Security Card
- Proof of Nevada Residence
- Household Income Estimate
- Current Health Insurance
- Nevada Health Link Login Credentials
Determining Your Eligibility
Many students, part-time workers, small business owners, gig workers, and retirees who don’t have sponsored health insurance qualify for affordable coverage with Nevada Health Link. In general, you qualify if:
- You live in Nevada.
- You are a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses here.
- Are not incarcerated.
- Don’t have employee-sponsored coverage, Medicaid, or Medicare.
When to Enroll
Most people enroll in their plan during the Open Enrollment Period, which runs from November 1 to January 15 every year. This is your time to shop for and enroll in a Qualified Health Plan through Nevada Health Link. If you’ve experienced a significant life change (moving, having or adopting a new child, losing your job, etc.), you may also qualify for a Special Enrollment Period. This means you can enroll in a new plan at any time throughout the year. If you qualify, you’ll have 60 days after the Qualifying Life Event to enroll in a plan.
Ways to Enroll
There are several ways to enroll in a plan through Nevada Health Link:
- Through NevadaHealthLink.com’s online platform – Anonymously shop for plans and find the best deal before you enroll.
- By calling Nevada Health Link’s Call Center – 1-800-547-2927
- Through a certified insurance broker or navigator – Find free local assistance by calling the call center or search online.
Online Enrollment Step-by-Step
Here is a step-by-step look at the online enrollment process:
Step 1: Tell us about your healthcare needs.
Step 2: Determine your income.
Nevada Health Link savings are based on your expected household income for the year you want coverage, not last year’s income. For help estimating this, click here.
Step 3: Shop and compare plans.
Step 4: Set up your Nevada Health Link account.
Identity Verification
You may need a Social Security Number and documentation numbers for anyone with eligible immigration status
Family & Household Information
For anyone else you want to insure, you will need: Names, addresses, Social Security number, birthdates, and document numbers for anyone with eligible immigration status
Income Verification
You may need: Pay stubs, W-2 forms, information about income (Pension, Scholarship, alimony received, Social Security benefits, retirement, capital gains, unemployment, etc.) and deduction sources.
Step 5: Check for DMI notifications.
Did you receive a DMI (Data Matching Issues) notification? If so, free enrollment assistance is available through brokers and navigators. They can help you with your application and missing documents. You may also work through the DNI process yourself. The following steps provide a guide that may assist you.
First, click the “upload documents” link. A screen will show you a red exclamation point and the words “not verified” where an issue has occurred and the information needs to be verified.
Click on the “+” sign, and from there you will have the option to upload the requested documentation. You will need to choose the document type they are uploading from the drop-down menu. Once the document type is chosen, click “Choose File” and once the appropriate file is chosen, click “Submit.”
After the document is uploaded, a ticket will be created and sent to Nevada Health Link for review. Once a decision is made you will receive a notice in your secured inbox informing you whether the document was accepted or rejected.
Find Free Help Near You
Nevada Health Link has a statewide network of licensed enrollment professionals who have been trained to assist you with the application and enrollment process, and their assistance is available to you at no cost. After enrolling, your assister can continue helping you throughout the year by reporting changes to your account, helping you understand important notices, walking you through the annual renewal process, and more.
Free assistance is available in multiple languages with licensed enrollment professionals by calling the customer service line at 1-800-547-2927 or visit enroll.nevadahealthlink.com.
