Orlando Harmon
If you're looking to apply for medical insurance in Nevada, there are a few options available to you. Firstly, you can look into Medicaid, a federal program that provides free or low-cost medical benefits to people with low incomes. Each state has different eligibility requirements for Medicaid, so it's important to check with Nevada's Medicaid agency to see if you qualify. Additionally, Nevada has a program called Nevada Check Up, which is a Children's Health Insurance Program (CHIP) that covers children up to the age of 18 or 19 in households with moderate incomes that are too high to qualify for Medicaid. If you're interested in purchasing an individual health plan, Nevada Health Link is the state's health insurance exchange where you can explore different options.
How to Apply for Medical Insurance in Nevada
| Characteristics | Values |
|---|---|
| Who is eligible for Medicaid in Nevada? | Residents of Nevada with low incomes. |
| Who is eligible for Nevada Check Up? | Children in families with moderate incomes that are too high to qualify for Medicaid. |
| Who is eligible for the Children's Health Insurance Program (CHIP)? | Children in families with low incomes. |
| How to apply for Medicaid in Nevada | Contact your state Medicaid agency or apply via the Access Nevada portal. |
| How to apply for Nevada Check Up | Apply via the Division of Welfare and Supportive Services online at dwss.nv.gov or by calling 702.486.1646 (Southern Nevada) or 775.684.7200 (Northern Nevada). |
| How to apply for CHIP | Create an account with the Health Insurance Marketplace and fill out an application. |
| Additional support | The Nevada Consumer Assistance Program can answer questions about health insurance regulations, rights, and responsibilities. |
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What You'll Learn
Medicaid and income requirements
To apply for medical insurance in Nevada, you can check your eligibility for Medicaid, a state and federally funded program that provides health insurance to eligible low-income individuals and families. Eligibility for Nevada Medicaid is based on income, household size, age, disability status, and other factors.
Nevada's Medicaid program expanded in 2014, increasing access to healthcare for low-income individuals and families. The income requirements for eligibility vary based on household composition and specific circumstances. Here are the general income guidelines for Medicaid eligibility in Nevada:
- For a single person, the income limit is approximately $16,105, which equates to 138% of the poverty level.
- Pregnant women can have an income of up to 160% of the poverty level.
- Children in households with an annual income of up to 200% of the federal poverty level may be eligible for the Nevada Check Up program, which is the state's Children's Health Insurance Program (CHIP).
- The aged, blind, and disabled may also qualify for Medicaid coverage, regardless of their income level.
It's important to note that these income requirements may change over time, so it's recommended to refer to the official websites and resources for the most up-to-date information. Additionally, if your income is slightly above these thresholds, you may still be eligible for other forms of financial assistance or savings when enrolling in a health insurance plan.
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Children's Health Insurance Program (CHIP)
The Children's Health Insurance Program (CHIP) is a state-funded programme that provides free or low-cost health coverage for children from low- to moderate-income families. Originally called the State Children's Health Insurance Program (SCHIP), CHIP is designed for children whose families earn too much to qualify for Medicaid but too little to afford private coverage.
CHIP covers children from diverse family backgrounds. It is available to children of pregnant women, the elderly, and people with disabilities. The programme's costs differ across states, but families will not pay more than 5% of their annual income. If your children are eligible for CHIP, they won't be eligible for any savings on Marketplace insurance.
To apply for CHIP in Nevada, you must first fill out an application on NevadaHealthLink.com. The application will determine your eligibility for either Nevada Health Link or Medicaid. If you are eligible for Medicaid, your application will be forwarded to them. Nevada Medicaid is a state and federally funded programme that provides health insurance to eligible low-income individuals and families in Nevada. Eligibility is based on income, household size, age, disability status, and other factors.
If you apply for Medicaid coverage to your state agency, you will also find out if your children qualify for CHIP. If they are eligible, you won't need to buy a separate insurance plan for them. You can also call 1-800-318-2596 (TTY: 1-855-889-4325) or fill out an application through the Health Insurance Marketplace. If it appears that anyone in your household qualifies for Medicaid or CHIP, your information will be sent to your state agency.
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Special Enrollment Periods
In Nevada, the Open Enrollment Period for health insurance is between November 1st and January 15th. However, if you miss this period, you may still be able to enroll through a Special Enrollment Period (SEP). A Special Enrollment Period is a time outside of the yearly Open Enrollment Period when you can sign up for health insurance.
Qualifying Life Events, such as certain life changes, may grant you a Special Enrollment Period and allow you to get coverage outside of the Open Enrollment Period. Examples of Qualifying Life Events include job loss, marriage, having a baby, moving to a new address, or losing your current health coverage. Losing your current health coverage may include losing Employer, COBRA, Medicaid, or Medicare coverage.
To qualify for a Special Enrollment Period due to a Qualifying Life Event, you must submit proof of the event within 31 days of experiencing it. Acceptable forms of proof include birth certificates, court appointee legal guardianship papers, adoption papers, or marriage licenses.
It is important to note that not all life changes qualify for a Special Enrollment Period. For example, divorce or legal separation without losing health insurance does not qualify. Additionally, moving only for medical treatment or vacation does not qualify for a Special Enrollment Period.
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Nevada Health Link insurance plans
The Nevada Health Link website was created by the Silver State Health Insurance Exchange, a state agency, to help individuals and families find affordable health insurance plans. Nevada Health Link is the only health insurance resource in Nevada that can provide federal tax credits and subsidies to help cover insurance costs.
Through Nevada Health Link, individuals can shop for, compare, and purchase qualified health insurance plans with tax credits or subsidies based on income, location, and family size. The website provides quotes and information on multiple plans simultaneously, allowing users to compare different options and make informed decisions. It is important to note that you are not required to purchase insurance through Nevada Health Link unless you wish to receive a subsidy to lower your health insurance costs.
Nevada Health Link also provides access to Medicaid, a state and federally funded program that offers health insurance to eligible low-income individuals and families in Nevada. Eligibility for Nevada Medicaid is determined by factors such as income, household size, age, disability status, and other criteria. The program serves a diverse range of groups, including children, pregnant women, elderly adults, individuals with disabilities, and low-income adults.
Nevada residents who have experienced a Qualifying Life Event (QLE) can take advantage of a Special Enrollment Period (SEP) to enroll in a health plan outside the open enrollment period. Examples of qualifying life events include job loss, marriage, or becoming a new resident of Nevada. Additionally, individuals can seek guidance and assistance from navigators and other professionals employed by Nevada Health Link. These professionals are certified by the Nevada Division of Insurance and offer objective advice on plan selection, ensuring they meet the minimum competency requirements.
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Medicare
If you are a resident of Nevada, you can apply for Medicare by calling Nevada Medicare at 702-840-1111 and asking a Medicare Advocate to help you with your Medicare application through the Social Security portal. You can also submit your application at your nearest Social Security office. Alternatively, you can enrol online at the Social Security Administration website.
Your open enrolment period for Medicare is based on your birthday. It is a seven-month window that begins three months before your 65th birthday and ends three months after. If you are already receiving Social Security benefits when you turn 65, your enrolment to Medicare should be automatic, and you will receive your card two months before your birthday.
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Frequently asked questions
You can apply for Medicaid in Nevada by contacting your state Medicaid agency. You can also apply for Medicaid in Nevada via the Access Nevada portal. Here, you can apply for Medicaid, report changes in household circumstances, check the status of your case, and receive online communications.
Medicaid provides free or low-cost medical benefits to eligible people with low incomes.
Nevada Check Up is the State of Nevada's Children's Health Insurance Program (CHIP). Depending on your income, your children (from birth to 18 years old) may qualify for coverage through Nevada Check Up.
You can find out if your children qualify for Nevada Check Up by filling out a Marketplace application.
If you had Medicaid coverage and lost it, or will lose it soon, you should contact Nevada Health Link or a Certified Enrollment Counselor or Broker/Agent in Nevada to see if you’re eligible to enroll in coverage through a special enrollment period.
