Health insurance When Moving to Nevada
Nevada continues to grow more and more with many people moving here from other states. One commonly forgotten item is whether or not their health insurance will cross state lines. Most insurance companies that offer health plans to individuals do not have a national network. A good example is Kaiser in California. If you have this health insurance when moving to Nevada, you will not have any doctors that are covered in the state. Since moving to a new state is considered a qualifying life event, it is important to review your options as soon as possible.
Once you have moved to your new address, you will have 60 days to apply. Since there will be new insurance companies, doctor lists, and plan options, it can be a lot to take in. As a health insurance broker, we can shop every plan available and explain the benefits to you for no charge. We do not charge fees and there is no added amount to your premium. We will also help ensure that you do not miss your window to enroll.
In the past, Nevada has had a 90 day waiting period for an individual to enroll without a qualifying life event. Unfortunately, this rule will be going away in 2019. Now the only time to purchase a health insurance Nevada plan will be if you have a qualifying life event or if it is the annual open enrollment at the end of the year. This means that you could have a substantial gap in coverage if you do not enroll within your 60 days.
Proving You Lost Coverage
Any time you are enrolling in a health plan with a life event, you will have to prove your life event to the insurance carrier. Different life events require different types of documents to show you need new coverage. If you are switching health insurance when moving to Nevada, you need to prove that you recently left you previous state and established residence here. This can be a utility bill from your previous residence and a bill for your new residence. It can also be a lease or proof you purchased a home as well as a recently issued Nevada drivers license. We can review your paperwork and let you know if the insurance company will accept it before you submit it to them.