Are You Losing Medicaid Coverage In Nevada?

View of Reno, Nevada
Reno, Nevada


In response to Covid19, the Public Health Emergency or PHE was put in place by the Nevada Legislature and Governor Sisolak.  The PHE began on February 15, 2020 and officially ends on April 23, 2023.  Consequently, many Nevadans will no longer be eligible for Medicaid.  Consumers effected by this change, will need to acquire private health insurance.  Generally quality private health insurance can be obtained from two sources:

1.  Group Health Insurance
A "Group Health Plan" (GHP) is health insurance offered by a Nevada employer, union or association to its members while they are still working.  GHP coverage is based on current employment.  Employers with 20 or more employees are required by law to offer current workers and their spouses who are age 65 (or older) the same GHP health benefits that are provided to younger employees.  Keep in mind your employer is not required to offer group coverage.  If group coverage is not available, you will need to acquire an individual health insurance plan.

2.  Individual Health Insurance.
An individual health plan is the most viable option available to most Nevada Consumers.  Among individual health plans that are available, Affordable Care Act plans will likely be your best choice.  Whatever name you give them, Affordable Care Act (ACA) plans meet all the requirements of ACA quality health plan standards, and are typically the most comprehensive on the market.  You may recognize them as major medical, comprehensive coverage, or even "Obamacare."

These plans can assist in reducing costs if you have a chronic disease or are faced with an unexpected medical expenditure.  You can save money on normal doctor visits, prescription medications, preventative care, hospital stays, and other services with the help of ACA plans, which offer coverage for a wide range of medical services, including inpatient and outpatient.  Nearly everyone can enroll in these programs, and preexisting conditions cannot be used as grounds for denial.

If you are coming off of Medicaid and need coverage anywhere in Nevada, you should takes steps immediately to get coverage in place.  Your window for enrollment is not indefinite.  Plans can be acquired that cover residents in the Las Vegas, Henderson, Reno, Sparks regions and more.