Information on Nevada Continuation Health Insurance Coverage

What About Nevada Continuation Coverage?

Nevada permits certain individuals to continue coverage under their fully insured group health plan, even after they lose eligibility as a member of that group.

• If your employer offers health benefits and has fewer than 20 workers, you may also be eligible for up to 18 months of continuation coverage under a Nevada law that is similar to COBRA. In some cases, your dependents may be eligible for up to 36 months of state continuation coverage.
• To qualify for continuation coverage, you must have been covered under your former fully insured group health plan for at least 12 months and you must apply within 60 days of losing your group coverage. Also, you must not have left your former job voluntarily.
• Like under COBRA, you must pay the entire premium (employer and employee share) for this continuation coverage. Under state continuation, this premium will be 25% higher than your former group health plan premium.
• Ask your former employer or the Nevada Division of Insurance about state continuation coverage if you think it applies to you.
• State continuation coverage can end sooner if you fail to pay your premiums, if your old employer's group policy is terminated and not replaced, or if you become eligible for other coverage.