Nevada Group Insurers may consider
classification carve-outs, such as management only or salary
vs. non-salary, with underwriting approval. The new group
submission must include a list of the job classifications
the employer wants to insure. The list must include all
employees and identify all employees in the carved out
classification. If the carve-out groups don’t meet the
Nevada Group Insurance Company's underwriting criteria, they
may decline them.
Classes can not be discriminatory meaning
they can not be based on age, gender and/or race.
Nevada Small Group Health Insurance includes
groups of 2-50 employees according to Nevada laws and
regulations, including the criteria outlined in NRS 689C.
Employees in employer groups of 2-50 eligible enrolling
employees must complete the health history section during
initial enrollment. Employees hired after the initial
enrollment period may not be required to complete the health
history section.
Groups of 2-50.
a. Eligible employees and their dependents
waiving coverage at the time of enrollment must complete a
waiver of coverage, which includes their name, Social
Security or ID number, and the applicable waiver section of
the Employee Application, and submit the completed forms to
the respective Nevada carrier. Some Nevada group
carriers may also require proof of coverage (i.e. copy of
current ID card).
b. Late entrants can apply for coverage
according to the following:
• Employees enrolling in non-HMO Nevada
coverage can apply at any time, subject to pre-existing
condition limitations and exclusions for late entrants.
• HMO Nevada applicants can only apply
during the employer’s open enrollment period.
c. Most Nevada Health Insurance carriers
don’t accept applications dated more than 60 days before the
desired coverage effective date.
d. Most carriers underwriting departments
can usually make an immediate decision if they receives all
the required documentation with the new group submission.
e. Most carriers underwriting departments
usually doesn’t request an attending physician’s medical
records.
