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

Summary

• Nevada chose to establish a state-based Marketplace under the Affordable Care Act. 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 (up to 50 employees) are eligible to purchase small group plans. See Health Coverage for Small Employers.
• If an employer provides health care benefits to employees, it must cover expenses for the treatment of alcohol and drug abuse. See Mandatory Alcohol and Drug Abuse Coverage.
• Group health plans must include coverage for certain maternity and dependent coverage. See Maternity and Dependent Coverage.
• Group health plans that provide coverage for mastectomies must also provide coverage for reconstructive breast surgery. See Reconstructive Breast Surgery.
• Group health plans must provide coverage for certain other illnesses, diseases and medical and surgical procedures. See Diabetes Coverage; Prostate Cancer Screening Coverage; Mammogram Coverage; Contraceptive Coverage.
• Group health plans must provide coverage for certain specified health care providers. See Coverage for Specified Providers.
• A group health plan that covers chemotherapy may not provide less favorable coverage for chemotherapy administered orally by prescription drug than chemotherapy administered by injection or intravenously. See Coverage of Drugs for Cancer.
• Insurers are prohibited from discriminating against individuals for certain reasons. See Prohibition on 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.

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.