Health Plan of Nevada & Sierra Health and Life

If business has been interrupted and there are no employees currently working, do we still get to keep our group health plan?

  • Yes, HPN and SHL have suspended the “Active at Work” provision for their policies so that group health plans can stay in place while there are no active employees working temporarily. 

If business has been interrupted and there are no employees currently working, what are my options as an employer with a group health plan?

  • There are several options for this scenario:
    • Pay whole monthly premiums as is until employees return to work
    • Pay whole monthly premiums as is until employees return to work and deduct the previous premiums from paychecks once employees start getting paid again
    • Term employees coverage and process COBRA if your group currently processes COBRA
    • Term employees and have them apply for individual insurance or Medicaid

Links for Nevada Individual Marketplace & Nevada Medicaid

If my employees term from the group plan, can they come back onto the plan after they begin working again?

  • Yes, with the following qualifications:
    • If a person is rehired within 31 days, they will be reinstated back to the date of loss
    • If a person is rehired in 32-92 days, they will not be subject to a probationary period and will be effective on the date of rehire or first of the month following the rehire date, depending on the policy
    • If a person is rehire after 92 days, the standard probationary period will apply

What is the Special Enrollment Opportunity?

  • This is a special opportunity for employees to enroll in coverage who may have previously waived it
  • Employees who are already on the plan may also add spouses and children at this time
  • You are not required to offer this opportunity to your employees.  It is at employer discretion
  • This period will last from March 23 to April 6, 2020

Other Coverages and Information

My employees are offered voluntary Aflac products.  Can they use these benefits in relation to Coronavirus?

  • Dependent on the coverages they have elected, Aflac will be accepting claims for telemedicine appointments or COVID-19 testing.  Please reach out to your Aflac representative for more details. 

Links to Resources for Employers