Navigating Nevada Health Link:

Start with the coverage year and household

Begin at the official Nevada Health Link enrollment site. Confirm the coverage year, address, household members and expected income before comparing results. Keep a record of the information submitted and any documents requested.

Do not carry a previous year’s premium or subsidy estimate into a new application. Use the eligibility determination for the year you are applying for, and ask Nevada Health Link about any change you do not understand.

Prepare before applying

• Names and birth dates of household members seeking coverage.
• Current address and contact information.
• Expected household income and documents supporting the estimate.
• Information about current insurance or an employer coverage offer.
• Doctors, prescriptions and pharmacies you want to check.

Enter sensitive information only through the official secure application or an authorized assistance process. Keep control of your account and save copies of important notices.

Compare more than the monthly premium

Create a short list based on your care needs. For each option, review the deductible, copays or coinsurance, maximum out-of-pocket amount, drug coverage and provider network. A plan that is inexpensive each month may leave more to pay when you use care.

• Confirm the exact doctors and practice locations with both the plan and provider.
• Check each prescription’s name, strength and coverage restrictions.
• Ask whether your preferred pharmacy is in the network.
• Read the Summary of Benefits and Coverage and policy exclusions.
• Compare the same expected medical needs across plans.

Check financial help through the application

Nevada Health Link is the place to apply for Marketplace financial assistance in Nevada. Eligibility and the amount depend on the application and applicable rules. Get a current eligibility estimate. Ask which information you must update if income, household members or other coverage changes.

Confirm enrollment dates and the effective date

Use Nevada Health Link’s current enrollment information for the applicable year. Before relying on a deadline, confirm when your application must be completed, when coverage begins and whether an initial premium payment is required. Outside open enrollment, ask whether your circumstances qualify for a special enrollment opportunity.

Keep your existing coverage in place until you have confirmed the new policy’s start date and any steps needed to activate it. An application receipt alone is not proof that coverage has started.

Approaching Medicare eligibility

Marketplace insurance does not supplement Medicare. Coverage through the Marketplace does not automatically end when Medicare begins. Review the transition and update the application for the people moving to Medicare. HealthCare.gov explains Medicare and the Marketplace.

If other household members still need Marketplace coverage, ask how to update only the relevant members. Review Medicare timing separately before canceling or delaying any coverage.

Get help with the application

Nevada Health Link lists free enrollment assistance and can be reached at 1-800-547-2927. Start with the official site to find current assistance options.

O’Neal Insurance Group can discuss represented insurance options and help identify questions to take to the Marketplace. O’Neal Insurance Group is an independent insurance agency, not Nevada Health Link or a government agency. Product availability and agent authorization vary by state and product.

Planning a transition to Medicare in Las Vegas? Read our agent selection guide.