Individual Nevada Health Insurance Pre-Existing Condition Coverage

What About Coverage For My Pre-Existing Condition?

• Individual health insurers can impose elimination riders. This is an amendment to your health insurance policy that permanently excludes coverage for a health condition or even an entire body part or system.
• Nevada insurers can also impose pre-existing condition exclusion period. Except when you are HIPAA eligible or buying a conversion policy, there are few limits on pre-existing condition exclusion periods in individual health insurance in Nevada. This means that individual health insurers can decide how long to exclude your pre-existing condition.
• Typically, a pre-existing condition is any condition for which you received a diagnosis, medical advice, or treatment prior to obtaining the individual policy. In Nevada, individual health insurers has broad discretion to define what constitutes a pre-existing condition, even including an undiagnosed condition you may unknowingly have had when you applied for the policy. If you make a claim for a health condition after you buy a policy, it may be denied if the insurer decides the condition was pre-existing.
• Pregnancy can be subject to a pre-existing condition exclusion in Nevada; however, complications of pregnancy arising after coverage begins cannot be considered a pre-existing condition. Genetic information cannot trigger a pre-existing condition exclusion period in individual health insurance in Nevada.