• Aetna
• Anthem Blue Cross and Blue Shield
• Assurant

Click for more options

• Blue Cross
• GoldenRule
• Health Plan
• HumanaOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance

Click for more options

• SecureHorizons by UnitedHealthcare
• Unicare
• Universal American
• WellCare

Information on Credible and Continuous Nevada Health Insurance Coverage

What is creditable coverage?

Most health insurance counts as creditable coverage, including:

• Federal Employees Health Benefits (FEHBP)
• Group health insurance (including COBRA)
• Indian Health Service
• Individual health insurance
• Medicaid
• Medicare
• Military health coverage
• (TRICARE)
• State health insurance high risk pools

In most cases, you should get a certificate of creditable coverage when you leave a health plan. You also can request certificates at other times. If you cannot get one, you can submit other proof, such as old health plan ID cards or statements from your doctor showing bills paid by your health insurance plan.

In determining continuous coverage, employer-imposed waiting periods and HMO affiliation periods do not count as a break in coverage. If your new plan imposes a pre-existing condition exclusion period, you can credit time under your prior continuous coverage toward it. If your employer requires a waiting period, the pre-existing condition exclusion period begins on the first day of the waiting period. HMOs that require an affiliation period cannot exclude coverage for pre-existing conditions.

What is continuous coverage?

You can get continuous coverage under one plan, or under several plans as long as you don't have a lapse of 63 or more consecutive days.

Take Art, who has diabetes. Ajax Company covered him under its group health plan for 9 months, but he lost his job and health coverage. Then, 45 days later, Art found a new job at Beta Corporation and had health coverage for 9 more months. Art changed jobs again. His new company, Charter, has a health plan that covers care for diabetes but excludes pre-existing conditions for 12 months. Charter must cover Art's diabetes care immediately, because his 18 months of prior continuous coverage are credited against the 12-month exclusion.

Now consider a slightly different situation. Assume Art was uninsured for 90 days between his jobs at Ajax and Beta. In this case, Charter will credit coverage only under Beta's plan toward the 12-month pre-existing condition exclusion period. Charter's plan will begin paying for Art's diabetes care in 3 months (1 year minus 9 months). Art does not get credit for his coverage at Ajax since he had a break of more than 63 consecutive days.