When it comes to health insurance, 2018 is going to be a banner year for Nevada. For those people under 65, huge rate increases are in the works. After anthem tried to file a 63% increase, they decided to pull out of the individual marketplace completely. Prominence has also decided to discontinue its presence in the individual marketplace as well. A new company named Centene, got a Medicaid contract in Clark County starting July of 2017 and with that contract had strings attached asking them to fill Anthem's shoes in the marketplace. Great thing about Centene is they have a lot of experience with the individual markets and are quite happy to fill those shoes. Their plans will be called Silver Summit. From what I know now is their plans don't require referrals and the hospital network they have contracted is the UHS system (Valley hospitals). The individual plans will have a similar provider network to the medicaid plan already available.
If you purchase insurance direct from an insurance company without government help (or interference), we have a new PPO coming to southern Nevada, called Hometown Health. They will be providing 22 individual and also small group plans. They are base out of Reno and have been serving that area for some time. There plans will not have any provider networks outside of the state, but locally they have a fairly healthy list as they have been contracting doctors and hospitals for quite some time gearing up for this offering.
If you are a Medicare beneficiary living in Pahrump, Humana is going to be offering a couple PPO plans that they have offered in Clark County. This gives Pahrumpians a chance at something other than the 2 HMO options they currently have. Those in Clark county also get an alternative to CareMore, as Humana is competing with them, offering a plan that gives a $50 discount on Part B premiums. The difference is Humana's plan will be a PPO.
All other plans from last year seem to be staying in place with a few new tweaks for the year. Prepare to see slightly higher out of pocket maximums on your under 65 plans and slightly higher copays on your Medicare plans for both prescriptions and ER/Urgent care visits. You will also see some provider network adjustments to most of your plans as well.
If you live in southern Nevada, particularly Clark County, we will be getting a new PPO provider available to us. Out of state networks won't be available, but at least you won't need to get referrals. Northern Nevada insurance carrier, Hometown Health (who is owned by the Renown hospital system) is rolling out their plans to span most of the state. If you own a small business, this is even better news as their PPO plans will cover most of the entire state.