There may be several reasons why you may need Nevada temporary health coverage. You could have only temporary or part-time employment, or be between jobs. Nevada temp health insurance also is necessary while you are waiting for long-term health insurance to kick in and it can be an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Preferred provider organizations and health maintenance organizations usually do not care for individuals with temporary medical insurance. Nevada temporary medical insurance providers normally allow these policy holders to receive care from any licensed health provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Nevada:

1. Gap coverage between standard policies is the intended purpose of temporary health insurance. Nevada employees with temporary health insurance will need to acquire long-term health insurance eventually.

2. Unforeseen injuries and illnesses are generally covered by temporary medical insurance. Nevada usually does not pay for routine examinations or preventative care, however.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary health insurance in Nevada so these carriers are not required to issue or renew policies.

Action Steps
The best contacts and resources to help you get it done

Gather quotes for Nevada temporary health insurance policies

Premiums vary widely, but Nevada temp health insurance will cost more than coverage under an equivalent long-term policy.

I recommend: Get quotes at Silver State Insurance from multiple companies that provide NV temporary health insurance. This site provides general guidance on selecting temporary health insurance in addition to pricing on many other types of insurance.

Study the types of temporary health insurance policies available in Nevada

NV temporary health insurance frequently targets certain groups or conditions. You will want to know the intended purpose of a given policy before studying it in detail.

I recommend: Read a brief summary of a variety of temporary health insurance plans from major providers in Nevada at Kent Lewis Insurance. This company is also licensed to sell insurance in California.

Receive personalized quotes on temporary health insurance by location

You can get a more meaningful initial quote by providing some information about yourself when applying for temporary health insurance. Nevada residents can utilize websites that will forward an application form to many Nevada temporary health insurance providers.

I recommend: Enter your zip code the Hendricks & Associates website and complete the application form to receive a quote for the desired plan.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Your temp health insurance in Nevada will probably last for no longer than six months. The insurance company will consider several factors before approving you for a second temporary policy. These include limiting your total coverage to less than one year, any claims that you made under the first policy and any significant changes to your health.