The Nevada Division of Insurance (NVDOI) is seeking public input on proposed revisions to the state’s Essential Health Benefits (EHB) plan.

The plan is Nevada’s benchmark set of health care services required in all individual and small group health insurance plans under the Affordable Care Act (ACA).

Since 2017, Nevada’s EHB benchmark plan has been the Health Plan of Nevada’s HPN Solutions HMO Platinum small group plan.

The Centers for Medicare and Medicaid Services (CMS) has given states three options to define their EHB benchmark plan moving forward:

1. 1. Select another state’s entire EHB benchmark;
   2. Replace a category of benefits in the current benchmark with the same category of benefits used in another state’s EHB plan; or
   3. Select a set of benefits to become Nevada’s EHB plan.

States that want to make changes are required by federal law to have an actuarial analysis of the benefits, public comment on the proposed changes, and to apply for CMS approval.

Nevada is considering an update its EHB benchmark plan under the third option to reflect legislatively mandated changes in the insurance market, according to NVDOI.

The department seeks comment on the following possible coverage revisions beginning with plan year 2026:

• • Add all FDA-approved drugs to treat opioid use disorder;
  • Add all FDA-approved drugs for testing, treating, and preventing human immunodeficiency virus; and
  • Add all FDA-approved drugs for testing, treating, and preventing hepatitis B and C.

Public comment can be submitted directly through NVDOI’s website, by mail to the Commissioner of Insurance at 1818 E. College Pkwy, Suite 103, Carson City, NV 89706, by fax at (775) 687-0788, or by email to Glenn Shippey at gshippey@doi.nv.gov.

All comments must be received by April 12, 2024 at 5 p.m.

Another option outside of benefits offered through the state is the Society of Collision Repair Specialists (SCRS) healthcare coverage plans through Decisely. The partnership plans that are offered can be found in the SCRS benefits center.

Collision repair businesses are offered up to 20% in savings versus renewals and employees can use coverage as soon as they enroll.

Benefits include:

• • $0 deductibles and employees choose their out-of-pocket maximum, which ranges from $3,000-$7,000;
  • No-cost services for visiting primary care physicians, specialists, urgent care, labs, or having X-rays;
  • Free generic prescriptions and mental health services; and
  • Aetna and Cigna networks.

Through Gravie, rolling dates are effective on the first day of each month, allowing individuals or small businesses to enroll at their convenience.

Small businesses seeking health coverage for their employees can also take advantage of Gravie’s partnership with HR platform Decisely to find the right plans.

Kevin Dunn, CEO of Decisely, said while large corporations leverage their size for healthcare advantages, SCRS has stepped up to help small businesses level the playing field.

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