In 2010, the Affordable Care Act (ACA) made it illegal for health insurance companies offering qualified health plans to deny medical coverage or raise rates due to a pre-existing condition. In April 2019, the Nevada State Legislature passed a bill to ensure that regardless of the ACA’s existing policy, all Nevadans with pre-existing conditions would still be protected throughout the state. When it comes to health insurance, the best health insurance plans in Nevada will offer comprehensive coverage.
What is a pre-existing condition?
- A pre-existing condition is defined as a medical illness, health problem or injury you have received treatment or diagnosis for before you enrolled in a new health insurance plan.
- Some examples of chronic illnesses are diabetes, many forms of cancer, lupus, epilepsy and depression.
- Less severe conditions such as acne, asthma, anxiety and sleep apnea may also qualify.
Is pregnancy treated as a pre-existing condition?
- If you were pregnant before you applied, your insurance plan cannot deny you coverage or charge you more because of your pregnancy.
- Once you’re enrolled, your pregnancy and childbirth are covered as soon as your plan begins.
Can I be denied coverage?
- No. All health insurance plans offered through Nevada Health Link must cover treatment for pre-existing conditions.
- Insurance companies cannot deny or refuse to cover treatment for your pre-existing condition or charge you higher rates because of a pre-existing condition. Health insurance companies in Nevada that offer Qualified Health Plans must over pre-existing conditions.
- Marketplace plans also cannot put an annual or lifetime limit on your coverage.
Is there health insurance for my pre-existing conditions?
- All plans offered through Nevada Health Link are Qualified Health Plans (QHP) and cover the 10 Essential Health Benefits and you will not be denied coverage if you have a pre-existing condition.
We get it, insurance coverage is not easy to understand. That’s why Nevada Health Link is here to provide the resources necessary to create a better understanding of healthcare coverage and how it affects you. To learn more or receive answers to additional questions that you may have, email Nevada Health Link at customerserviceNVHL@exchange.nv.gov, or call us at 1-855-7NVLINK (855-768-5465).