Have You Lost Your Health Insurance?
Are You Currently Unemployed Because of the Coronavirus Pandemic?
If you’ve lost your job and your health insurance, there are options.
Did You Miss Health Insurance Open Enrollment for 2020?
Coronavirus Update!
For a Limited Time, You Are Now Able To Enroll into a Qualified Health Plan
Because of the Coronavirus pandemic and Governor Sisolak’s March 12th Emergency Declaration, Nevada has opened up an Exceptional Circumstance Special Enrollment Period (ECSEP).
Exceptional Circumstance Special Enrollment Period
Nevada Health Link has responded to Governor Sisolak’s Emergency Declaration of March 12, 2020 due to the coronavirus, also known as COVID-19. It announced an Exceptional Circumstance Special Enrollment Period. This allows Nevada residents who missed the “Open Enrollment” period to enroll in a qualified health insurance plan through the state-based exchange platform. You can take advantage of the special enrollment period which is from March 17, 2020 to May 15, 2020. If you are a Nevada resident who missed the “Open Enrollment” period, then it is a good idea to consult with a qualified health insurance agent in Las Vegas, Nevada.
Nevadans who missed the Open Enrollment Period may be able to enroll in a qualified health plan during this special time. This emergency SEP runs from March 17th, 2020 through May 15th, 2020.
Governor Issues State of Emergency
“I am calling on all uninsured Nevadans, even if you are healthy, to take advantage of this special opportunity to gain access to health insurance coverage through the exchange,” Gov. Steve Sisolak said. “The COVID-19 virus is an unfortunate but important reminder that our health and well-being should be top priority and gaining access to insurance is a critical step in that process.”
Heather Korbulic, the executive director of the Silver State Health Insurance Exchange, said Nevadans should see this as an integral time to ensure their coverage. “Nevadans deserve to have peace of mind to take care of all their health needs, and given today’s exceptional circumstances, we are enabling those who are qualified to enroll and gain access to the vital services they may need,” she said.
Enroll Today! Call (702) 898-0554 or visit us ONLINE.
You may miss your only opportunity to get an ACA Qualified Health Plan.
Who Is Eligible for This Special Enrollment Period?
This Exceptional Circumstance Special Enrollment Period (ECSEP) is for eligible uninsured Nevadans who did not enroll or select a plan for Plan Year 2020 during the Open Enrollment Period (Nov. 1 – Dec. 15). This ECSEP is limited to a one-time selection in Qualified Health Plans(QHP). This ECSEP is not for folks who were previously enrolled in a QHP nor is it an opportunity to change your plan if currently enrolled. Also, if you apply for coverage on or by May 1, 2020, you will be granted an May 1st coverage start date. If you apply for coverage May 2nd, 2020 – May 15th, 2020, you will be granted a June 1st coverage start date. There will be no exceptions to the coverage start dates for this ECSEP.
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Coronavirus Testing and Your Health Insurance Coverage
Health Insurance Benefits to Help You Through the COVID-19 Pandemic
Most health insurance plans cover basic health care costs. During times of uncertainty, such as when dealing with a global crisis as COVID-19, your health may suffer even if you don’t contract the virus. Your mental health could be affected because your schedule is disrupted and you’re required to stay at home. It’s important to disclose with a local health insurance agent your concerns so that your health insurance plan will meet your needs. You’ll also have peace of mind knowing that should you need to be tested for the coronavirus, such testing will be covered. The last thing you want to worry about is out-of-pocket expenses and choosing the right health insurance plan will ensure all your medical costs associated with COVID-19 are covered.
Health Insurance Coverage for COVID-19 Testing
In the midst of a worldwide crisis, such as the COVID-19 pandemic, having health insurance can give you peace of mind. Most health insurance, whether it be private, employer-sponsored, military or government provided, will cover COVID-19 testing without any costs to you. When searching for health insurance, you’ll want to speak to an experienced Las Vegas, Nevada health insurance agent so that you get the right coverage that includes testing for COVID-19.
Common Health Insurance Plans That Cover COVID-19 Testing
When it comes to COVID-19 testing, all ACA (Obamacare) health insurance plans will cover the cost. There are many health insurance options, and you will want to consult with a knowledgeable health insurance agent to know which plan would be most beneficial to you. In times of tragedy and uncertainty, you want to be able to rely on your health insurance coverage to cover the cost of healthcare you may need. Some of the most common health insurance plans that your health insurance agent will discuss with you in detail include:
♦ Nevada Health Link – If you purchased your plan through the Nevada Health Link, then your health insurance will cover COVID-19 testing. Nevada Health Link is the online marketplace where Nevada residents can shop for Affordable Care Act certified plans.
♦ Medicare – Medicare Part B will cover the cost associated with testing for COVID-19. Coronavirus testing conducted after February 4, 2020 is covered at no cost to the patient.
♦ Medicaid – Federal legislation that became law on March 18, 2020 will cover coronavirus testing. However, it is a little more complicated when it comes to treatment since states administer their own Medicaid benefits and some benefits are up to the states to include.
♦ Private Insurance – Private insurance in Nevada is governed by the Nevada Division of Insurance in the Department of Business and Industry. This division passed a law that ensured COVID-19 testing and treatment would be covered under private plans in Nevada that are ACA compliant.
The many options for health insurance ensures you can choose a health insurance plan that best fits your needs. Choosing the right plan means you won’t have to worry about out-of-pocket expenses when it comes to COVID-19 testing. Because many people are experiencing financial and other burdens during this global catastrophic event, you can have peace of mind knowing you won’t have to worry about paying for COVID-19 testing.
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Health Insurance Ensures No Surprise Bills for Coronavirus Testing
Coronavirus Tests Will Be Covered by Health Insurance
With the coronavirus rapidly sweeping the globe, testing is essential. Officials want people to get tested. COVID-19 testing is considered “preventative” with a “Qualified Health Plan”, so there is no co-pay or cost involved. If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all. Health insurance CEO’s have collaborated with government officials and vowed that those who have health insurance won’t have to worry about surprise bills for COVID-19 testing. All Co-pays for Coronavirus testing will be waived.
If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all.
Health Insurance Companies Waive Co-Pays for COVID-19 Testing
Approximately 240 million Americans have health insurance through private insurance, Medicare or Medicaid. With the number of coronavirus cases growing rapidly throughout the country, lawmakers wanted to get the word out that those who have health insurance will not receive unexpected bills for COVID-19 testing. Health insurance companies also agreed to cover the cost of telemedicine which allows patients to speak with a doctor over the phone. Coverage will be extended for the treatment of COVID-19, but beyond testing (like hospitalization) your deductible and co-insurance will most likely still apply.
Many Americans Are Without Health Insurance
It is an unfortunate fact that about 27.5 million Americans are without health insurance. The government has entertained the possibility of utilizing a federal disaster relief program to reimburse costs incurred to hospitals and other healthcare providers who treat those without health insurance for the coronavirus. Medical bills can add up quickly, meaning many uninsured Americans will delay testing for fear that they will rack up hefty bills. This puts more people at risk of becoming gravely ill or even dying from the novel coronavirus. In addition to the health implications, failure to get tested will allow the virus to spread.
Unexpected Medical Bills Can Result in Bankruptcy
Even individuals who have health insurance can receive unexpected medical bills that can result in bankruptcy. Care that’s provided out-of-network can result in surprise bills that a patient is not prepared to pay. Because health insurance companies are covering all costs associated with COVID-19 testing, this is not a concern if you have health insurance. If you want extra reassurance that your health insurance will cover testing, an experienced health insurance agent can explain your plan in detail.
Prevention Goes A Long Way
Unfortunately, anyone can become infected with COVID-19. Some will experience mild symptoms while the effects on others can be serious and even deadly. If you do become infected, having a good health insurance plan in place will ease the financial burden of paying for the medical care that may be required. It is recommended that every person take the following cautionary steps to stay safe during this time of uncertainty:
- Avoid close contact with those who are sick
- Avoid touching your face with unwashed hands
- Wash your hands for at least 20 seconds with soap and water
- If you’re unable to wash your hands with soap and water, use hand sanitizer with 60 to 95 percent alcohol
Even when you follow all the advice regarding prevention, there’s still a chance you could contract COVID-19. In the unfortunate event that this should happen, it is best to speak with your Nevada Insurance Enrollment health insurance agent to understand your coverage.
Effectively Dealing With Stress During Coronavirus Pandemic
Health Insurance Can Ease the Burden of Dealing with Stress Caused by the Coronavirus Pandemic
The stress and anxiety caused by the coronavirus pandemic is widespread. Many people’s lives have been disrupted indefinitely. Businesses have been forced to close and many regions have ordered people to limit travel and exposure to others. All of this has been done to prevent the further spread of COVID-19. Adherence to these extreme measures, however, will leave many people feeling severe mental anguish. Talking to your Las Vegas, Nevada health insurance agent about your health insurance coverage can help ease the burden of dealing with stress caused by COVID-19.
Utilize Health Insurance to Cope with COVID-19
Some people will have a harder time coping with the stress brought on by the coronavirus pandemic. Particularly, those who are older or have pre-existing conditions that make them susceptible to contracting the coronavirus will be more concerned and experience increased anxiety. Others who are at an increased risk of experiencing stress during the pandemic include:
- Children and teens
- Healthcare workers
- Individuals with mental health issues
- Individuals with substance abuse issues
Health insurance is a vital component in helping combat stress when dealing with a global pandemic. Your health insurance agent can explain your insurance benefits whether it be treatment or medication to reduce stress caused by:
- Disrupted sleep
- Changes in appetite
- Worsening health conditions
- Increased use of alcohol or drugs
- Fear for your health and that of loved ones
Your mental health is just as important as your physical health. A Nevada Insurance Enrollment health insurance agent can explain your options so that you won’t be left in the cold when dealing with stressful situations such as COVID-19.
Activities to Reduce Stress
In addition to utilizing the benefits of health insurance, there are also other ways to deal with stress caused by a catastrophic event such as COVID-19. One of the most effective ways to cope is to take a break from the widespread news coverage of the coronavirus pandemic. You can turn off the television, read a newspaper, or visit a website without news coverage of COVID-19. Repeated exposure can be upsetting, so it is helpful to disconnect from all news sources including social media. You should also take time to exercise or perform some other activity you enjoy. Make time to engage with close friends and express your concerns about the current situation. The most important thing to remember is to take care of yourself during this sensitive time.
Seek Advice From Nevada Insurance Enrollment
Choosing the right health insurance plan can be confusing because there are so many options. Your best bet is to seek the advice of a knowledgeable health insurance agent. They will be able to assist you in finding the right plan that covers COVID-19 testing and other benefits that fits your needs. Consult with a Las Vegas, Nevada health insurance agent to determine which health insurance plan will be most effective in meeting your individual needs.
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In most cases, dental insurance pays for routine care such as annual x-rays, cleanings and exams, as well as procedures such as fillings, crowns and bridges. Health insurance pays for damage caused by a trauma to the mouth, such as an injury or accident.
Are Ambulance Rides Covered By Health Insurance?
If you have a qualified health plan (QHP) the answer is yes. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including emergency transportation. You may need to pay a deductible, co-payment, or co-insurance for your ambulance trip.
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