You Can Not Be Turned Down For Health Insurance
Guaranteed issue means that the health insurance coverage is guaranteed to be issued to applicants, regardless of their medical history, their age, their gender, or any other factors that might increase their likelihood of using health services. In most states, guaranteed issue doesn’t limit what you can be charged when you enroll in a plan.
The Affordable Care Act and Guaranteed Issue Health Insurance
Prior to 2014, individual market health insurance companies determined an applicant’s eligibility largely based on their medical history. Applicants could be denied coverage, either altogether or for certain conditions, if the health insurance company decided that they were more likely to use their coverage than the average member.
In other words, the individual market health insurance was not guaranteed issue. Many pre-existing conditions were an automatic decline, and that person could not ever get coverage through that insurance company. The only exception was through an employer, either a small or large group of employees. If the employer offered the coverage, the employee and family could get covered.
This changed in 2014 when most of the Affordable Care Act’s provisions took effect. The ACA required that all individual market major medical plans be guaranteed issue, meaning that they could not turn applicants away based on any factors including pre-existing medical conditions. You were no longer pushed into a corner to try and find an employer that offered group coverage.
To ensure individuals and families that did not have employer provided health care wouldn’t simply wait until they needed coverage to purchase coverage, the enrollment period was limited to a single “open enrollment period”. To make provision for those who had a “life change” (marriage, birth of baby, move, etc.) that affected their insurance needs, there were special enrollment periods instituted.
Nevada Insurance Enrollment Is Here to Help
Health insurance is a necessity; for most people, the medical bills that result from a single injury or illness could wipe out their savings and seriously jeopardize their financial future. At Nevada Insurance Enrollment, our health insurance agents are here to help you get the coverage you need, regardless of your medical history.
Recent Posts
Auto Insurance For Unique, Exotic, and High Performance Cars
If you own a unique, sports, or exotic car, your driving habits are probably considerably different than most drivers. It makes sense, therefore, that your auto insurance coverage should be different as well. Your auto insurance company uses a vehicle’s make, model, horsepower, size, weight and number of cylinders to classify it as a sports or exotic car.
After an Auto Accident – What Happens If You Need To Sue?
If the amount of money the auto insurance company is willing to pay out does not adequately cover damages, then escalating the situation and starting a car accident lawsuit may be your only option.
Anthem Blue Cross and Blue Shield Coming Back To Nevada
Anthem Blue Cross and Blue Shield offered health insurance plans in Nevada years ago, but they discontinued their ACA-compliant (Obamacare) individual plans for a few years. In 2020, Anthem is offering health insurance plans statewide, giving Nevadans in all counties health insurance options we did not have in 2019.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Is Obamacare Health Insurance in Danger for Nevadans?
Nevada is a “Supported State-Based Exchange” meaning, that despite the ruling in King vs. Burwell, Nevadan’s are able to keep their health insurance subsidies.
We Applaud the Nevada Health Insurance Exchange Board!
For the 2015 Health Insurance “Open Enrollment”, Nevada has moved to the Federal website technology for its online enrollments.
Get Help Enrolling into Obamacare Health Insurance
Come fill out your paper application and we will handle the rest. Meet with a licensed Health Insurance Agent that will help you complete your application.
Video | Health Insurance Explained
Each year, you can only buy Health Insurance during “Open Enrollment“, which is November 1st through December 15th. With Open Enrollment for Individual and Family Health Insurance coming again in November, we wanted to share another educational (but entertaining) video from the Kaiser Family Foundation.