Health Care Benefits: Nevada
Federal law and guidance on this subject should be reviewed together with this section.
Author: Dora V. Lane, Holland & Hart LLP
- Nevada initially chose to establish a wholly state-based Marketplace under the Affordable Care Act, but then switched to a state-based, federally-supported Marketplace. See Health Insurance Marketplaces Under the ACA.
- Same-sex marriage is legal nationwide. Nevada also recognizes domestic partnerships. See Same-Sex Partner Benefits.
- Small employers in Nevada (two to 50 employees) are eligible to purchase small group plans. See Health Coverage for Small Employers.
- Small group policies in Nevada must include coverage for mental health, alcohol and drug abuse treatments. See Mandatory Alcohol and Drug Abuse Coverage.
- Group health plans must provide mental health and drug abuse coverage. See Mental Health Coverage.
- Group health plans must include coverage for certain maternity and dependent coverage. See Maternity and Dependent Coverage.
- Health plans that provide coverage for mastectomies must provide coverage for reconstructive breast surgery. See Reconstructive Breast Surgery.
- Health plans must provide coverage for certain other illnesses, diseases and medical and surgical procedures. See Diabetes Coverage; Prostate Cancer Screening Coverage; Mammogram and Pap Smear Coverage.
- Health plans must provide coverage for certain specified health providers. See Coverage for Specified Providers.
- Health plans that cover prescription drugs must also cover drugs for mental illness and cancer prevention. See Coverage of Drugs for Mental Illness and Cancer.
- Insurers are prohibited from discriminating against individuals for certain reasons. See Prohibition in Insurer Discrimination.
- Employers must notify employees of a change in benefits or insurers and of the inability to pay or the intent to not pay premiums. See Notice Requirements.
- An employer that provides qualifying health benefits may pay a lower minimum wage. See The Effect of Benefits on the Minimum Wage.
Unless otherwise indicated, the term policy means a policy of insurance issued by an insurer licensed to do business in Nevada. It does not include self-insured employer health plans.