It’s that time of year to be thinking about health insurance. For Nevadans who don’t have coverage through their employer or don’t qualify for Medicare or Medicaid, securing health insurance can be daunting. Enter Silver State Health Insurance Exchange, Nevada’s state agency that helps individuals obtain budget-appropriate health coverage through the online marketplace, Nevada Health Link.
Through Nevada Health Link, Nevadans can shop for health insurance plans that fit their budgets and meet their families’ needs. It is also the only place where Nevadans can determine if they qualify for federal tax credits and subsidies to help cover the cost of insurance. Additionally, the exchange offers both English and Spanish speaking free enrollment assisters, who are certified and ready to help consumers.
In the world of health insurance, all things are not created equal. Consumers should be wary of short-term plans, which, while less expensive, do not meet Affordable Care Act requirements and do not cover many situations, such as preventative care, newborn/maternity care, substance abuse and mental or behavioral health issues. Similarly, health sharing ministries, which offer a shared plan to a like-minded group of people, also do not adhere to ACA or state requirements, so there is no guarantee your medical claims will be paid. You and your family deserve the affordable and comprehensive coverage that only qualified health plans on Nevada Health Link can offer.
Nevada Health Link encourages consumers to prepare for open enrollment which starts Nov. 1. Beginning Oct. 3, all Nevadans are invited to begin “window shopping” for a new health plan on NevadaHealthLink.com. And finally, open enrollment officially opens on Nov. 1 and runs through Dec. 15. During those six weeks, eligible Nevadans can select and purchase a plan that will protect them and their families throughout the coming year.
Last year, more than 83,000 Nevadans secured health insurance through the Exchange. For the coming year, protect yourself and your family. Call Nevada Health Link today at 1-800-547-2927.
Mel H Bell has been a licensed insurance/investment professional for more than 25 years. He is also Affordable Care Act (ACA) and Nevada Health Link certified.