In this upcoming year, we’re left with 3 individual medical insurance companies selling 2018 Nevada health plans.
We’re losing most of the Aetna, Anthem, Prominence and Golden Rule for health insurance Nevada plans. Grandfathered plans that were in place before March 23rd, 2010 will stay effective, though the majority of plans are ending. Additionally, some of these companies are continuing to offer a “catastrophic” option but clients need to qualify for specific income limits. A lot is changing for 2018 Nevada health plans.
Silver Summit (also known as Ambetter), Health Plan of Nevada, and Hometown Health Plans are the remaining three companies. These will be the only real options for Reno health insurance.
Plans from Silver Summit are only available through Healthcare.gov. As an average, Silver Summit has the most expensive plans. These high costs are meant to be offset by subsidies. This is provided through Healthcare.gov, so very few people would actually be paying this full amount. The problem is for people living outside of Reno, Carson City and Las Vegas. This is because Ambetter is the ONLY individual health insurance option. This means that even for those who do not qualify for a subsidy, this is the only option. Silver Summit is brand new 2018 Nevada health insurance company.
Health Plan of Nevada
Health Plan of Nevada (HPN) came out with very good rates in Clark County this year. HPN only sells HMO plans. This means you need a referral to see a specialist. HPN is a subsidiary of United Healthcare, but they do not use the full United Healthcare doctors list. They are available through Healthcare.gov and you may purchase them privately without a subsidy. These plans are only available in Clark, Nye, and Washoe counties.
Hometown came out with the lowest priced HMO’s and only PPO’s this year. Renown owns them, so they work with every Renown doctor as well as a large list of independent doctors. The HMO plans are less expensive than the PPO plans. Therefore, the HMO plans require a referral to see a specialist. Hometown is available in Clark, Nye, and Washoe counties.
To see all of these plans or to discuss the details please feel free to contact my office (775) 828-1216. You can also view our individual insurance page.
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