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Change to HPN

There’s a HPN Individual or Family Plan that’s Right for YOU.

Find out if you qualify for financial assistance with an HPN Exchange plan or shop our Off Exchange plans. If you have any questions about our individual and family health plans, call your broker or our sales team toll-free at 1-800-873-0004, TTY 711.

Choose an HPN plan.

We offer $0 or low-cost services and Gold, Silver and Bronze HMO plans. The choice is up to you.

Plan level

Gold

Silver

Bronze

Monthly premium

Moderate $$$

Low $$

Lowest $

Cost per visit/prescription

$$

$$$

$$$

Plan pays

80%

70%

60%

You pay

20%

30%

40%

May be best if you…

Want to manage monthly premium costs and reduce out-of-pocket health expenses

Want to balance monthly premium costs with out-of-pocket health expenses

Rarely use medical services

Primary care visits (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Mental health visits (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Virtual visits with NowClinic®

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Specialty care visits (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay after the deductible is met on some but not all plans

Urgent care visits (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay after the deductible is met on some but not all plans

Physician extender visits (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay after the deductible is met on some but not all plans

Pharmacy tier 1 and tier 2 drugs (before deductible)

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay before the deductible* is met on most plans

Member is responsible for copay after the deductible is met on some but not all plans

This table is a snapshot of our most popular covered benefits.

What’s a Health Maintenance Organization (HMO) plan?

Easier on the wallet, HMO plans are designed to save you money on out-of-pocket costs.

HMO members are required to choose a primary care provider (PCP) and stay within a network of providers, urgent cares, and hospitals to receive coverage under the plan. Females 14 years and older may select an OB/GYN in addition to a PCP.

To have a specialist visit covered, you must see your PCP for an initial exam. Your PCP is the leader of your care team and will give you a referral to a specialist for a more thorough diagnosis, if needed.

HPN has the largest provider network in Nevada and many doctors are only in our network.

For a complete list of providers, visit HealthPlanofNevada.com. If you need help scheduling an appointment or finding the right provider to fit your specific needs, our Member Services team can help.

 

Blue Star Member is responsible for copay before the deductible* is met on most plans

Blue Circle Member is responsible for copay after the deductible is met on some but not all plans

*A deductible is a specific amount you must pay before your insurance coverage kicks in.