If you’re new to the individual health insurance market, then you may be surprised at the number of restrictions that insurers place on these plans.  Unlike an employer sponsored health plan, Nevada health insurance providers routinely turn down applicants for coverage due to pre-existing health conditions.  While recent health care reform laws prevent insurers from denying coverage to children, they are still permitted to deny coverage to adults until 2014.  Even if they do accept a high-risk individual for coverage, the plan is likely to be very expensive.

Until the market for individual health insurance is corrected by state or federal intervention, thousands of Nevada families may believe that health insurance is out of reach.  This is unfortunate, and something that many residents are hoping will be resolved after the next election.  If finding Nevada health insurance has been a challenge for you or your family, there are some consumer resources that you can contact directly.  One of these is the Nevada Division of Insurance.  Mainly used to find a licensed and reputable health insurance broker, the Nevada Division of Insurance also handles consumer complaints about the business practices of insurance providers and agents.  The agency may also refer Nevada residents to certain publications that explain their rights when purchasing health insurance coverage.

In a recent article published by a Nevada health insurance broker, “Nevada Health Insurance – Can You Be Turned Down?,” the author provides details about what you can do when denied coverage in the state of Nevada.  If contacting a state-wide agency is not convenient, then the article recommends speaking with a qualified insurance broker.  Before working with a broker, always find out which companies they represent.  Brokers can educate their clients about high-deductible and short-term plans and find other ways to reduce the cost of high-risk individual insurance.

If you are new to the world of individual Nevada health insurance, you may be surprised to learn that insurers are permitted to turn down your application for coverage simply because of your current health status.  Higher premiums may be charged if the applicant is slightly overweight or has a family history of heart disease.   A better way to find the right Nevada health insurance policy is to contact a qualified health insurance broker.  Find out more about the individual health insurance market in Nevada by reading, “Nevada Health Insurance – Can You Be Turned Down?”