Health Insurance Confusion in Nevada

CARSON CITY, NV - At Nevada Health Centers in Carson City, Gina Gula is a certified application counselor.

She helps people interested in buying insurance through Nevada Health Link by examining available options.

“They usually leave here purchasing insurance for themselves or their family. Sometimes even dental insurance which they didn't expect to get. And they seem very happy with what they've gotten, seems positive,” says Gula.

Gula says sessions can take up to two hours---that has nothing to do with the program itself; instead she goes over plan by plan for an individual or family to make sure they understand and get the coverage they need and can afford--as well as who is qualified for Medicare.

Health questions like preexisting conditions or medications cannot be asked.

“Those Americans, I hear you loud and clear. I said I would do everything we can to fix this problem, President Obama said one week ago.

With the Presidential Press Conference last week re-assuring the public the federal health plan will improve and become more efficient soon,

Nevadans may be confused that our health exchange is in the same boat.

“They are completely separate sites from So there is the federal exchange that are in states that opted to not create a state based exchange. In Nevada we decided the best thing for Nevada is to create Nevada Health Link. So that we could have a system designed by Nevadans for Nevada and any of the problems that might have,” says Jon Hager Executive Director of the Silver State Health Insurance Exchange.

About 25,000 Nevadans are in Limbo right now as their policies will not be renewed next year.

The president says it's up to state insurance commissioners to decide if they want to continue those policies through 2014.

Nevada's insurance commissioner says it's too early to say what his office will do.

That's despite the fact those policies run out by December 31.

In the meantime, Nevada Health Link is encouraging those 25,000 to take a look at the policies offered on their site, and compare them to what you have now.

That way you can take matters into your own hands, and not wait for someone else to make health decisions for you.

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