• Aetna
• Anthem Blue Cross and Blue Shield
• Assurant

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• Blue Cross
• GoldenRule
• Health Plan
• HumanaOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance

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• SecureHorizons by UnitedHealthcare
• Unicare
• Universal American
• WellCare

More Information on How You Are Protected under Nevada Health Insurance Laws

How Am I Protected? (Continued)

• If you lose your group coverage under your fully insured group health plan and meet other requirements, you can buy a conversion policy. This is an individual policy from the company that insured your former group. There are limits on what you can be charged for a conversion policy, although they tend to be costly.
• If you lose your group health plan and meet other qualifications, you will be HIPAA eligible and guaranteed the right to buy individual health insurance from any insurance company that sells such plans in Nevada. Insurance companies must offer you a choice of at least two plans. There are rules about the benefits that must be covered under these plans and the premiums that can be charged.
• If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group. This is called guaranteed issue.
• If you are a small employer buying a group health plan, there are limits on what you can be charged because of health status, age, and other characteristics of those in your group.
• If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family. The Nevada Medicaid program offers free health coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes. In addition, some women who are diagnosed with Breast or Cervical Cancer may be eligible for medical care through Medicaid. (See Chapter 5.)
• If your children are 18 years old or younger, do not have health insurance, and meet other qualifications, you may be able to buy insurance for them through the Nevada Check Up.
• If you lost your health insurance and are receiving benefits from the Trade Adjustment Assistance (TAA) Program, you may be eligible for a federal income tax credit to help you pay for new health coverage. This credit is called the Health Coverage Tax Credit (HCTC), and is equal to 65% of the cost of qualified coverage, including COBRA.
• If you are a retiree aged 55-65 and are receiving benefits from Pension Benefit Guarantee Corporation (PBGC), then you may be eligible for the HCTC.