Health Plan of Nevada

Worst insurance you can have. Nicknamed Death plan of Nevada from many locals. They also administer senior dimensions. This is worse since its for elderly people. People that have ailments and weaknesses that cause them to be pushed around and uncared for by the facilities they are sent to for treatment. These facilities that take HPN plans have specific grouped rooms of for the patients with this insurance. So they know they don’t have to actually tend to these patients with the same care and equipment and time that patients with better insurance are taken care of. This is sickening. My grandmother died due to the insurance policies of HPN.

This is a terrible company. They took money for premiums that where to start 01/​01/​2016, and lost the payment. Because the payment did not post to my account, coverage did not start putting me and my family at risk. Even if you do make your payments, BEWARE they take payments but they may not actually make it to your account.

When we signed up for HPN and received our cards in 10 days.
We can always get through on the phone. Appointments are set in a reasonable time frame no different than any other plan out there. Our HMO includes hundreds of doctor choices and locations to choose from including urgent care centers around the valley.
We have a 30.00 copay and 80 for a specialist.
My wife loves her primary care doctor. She has seen numerous specialists during the last two years including several MRI’s and had one surgery for CP.
I have seen the gastro and urologist. And had several major procedures done.
We previoulsy had Blue Cross and paid 850.00 a month. That company was always looking for an excuse not pay or kick us off the plan as we are now in our 50’s. The last letter I received from Blue stated our rates would be going up 35%.
We pay 200.00 mo with HPN for more coverage and no hassles. Its an 800 per month plan. we simply receive a tax credit based on income.
Couldn’t be happier.

Absolute scum of the earth! No coverage when traveling out of state. Visiting my sister in Massachusetts. Broke my wrist. Called HPON and was told only emergency room and «urgent care» provider visits are covered when out of state. So I was covered for the emergency room visit and given pain medication and a temporary splint and referred to a orthopedic specialist for a cast the next morning because it was a serious radial break. Because the orthopedic specialist was in a group practice – and not a «urgent care» provider – I was told it would not be covered. Was the cast for a severe break «urgent?» Of course – Any moron knows that. But not HPON! So, what is HPON’s definition of a «urgent care» provider? No doubt, buried in the fine print of the policy, written by their army of lawyers, and probably so narrowly defined that it would be practically impossible to find such a provider. Legal? Of course. That’s what the army of lawyers is for. Deceptive? Of course. Immoral? Obviously. I cannot imagine that Obama care would allow such a contract. Oh, and by the way – they accepted our premium for the month I am away, thank you very much. I am going to sue their pants off. If nothing else – for a refund of the premium for the month I am away. What other type of business could get away with taking a customer’s money, and not provide the goods or services paid for due to a technicality? Even the phone and cable companies will adjust your bill for an outage period. I am not going to let them get away with this.

I was going to give it two stars — but doing so made it close to three stars which means it’s ok. Every insurance plan depends on what you are looking for — but here are the issues I have found having this insurance so far.
Individual Insurance — HMO — Silver Plan
There is only 1 allergy doctor in their network that is centrally located.
I had to go to a different office to give blood for the allergy test. They took two vials of blood.
The doctor only tested for allergens that are around in Las Vegas, I told him I would like to travel or leave the area at some point — and he just looked at me strangely. Waste of time.
The other doctors I have looked up like dermatologists — have terrible one star ratings. There is only 1 dermatologist that they give out referrals to.
Bottom line — their network is not good — the doctors have low to mediocre ratings. I am going to cancel my plan this month and choose a different insurance company. The only good thing I can say is that my primary care doctor — Susan Schuder — was decent.

HPN, United Healthcare, OPTUM RX BELONG TO THE SAME COMPANY.
One star is one too many for HPN. First they had enrollment issue, and I didn’t received my insurance card 30 days after my insurance was supposed to start. And its online pharmacy affiliate Optum Rx, cancelled my medication order without telling me. I called about the status of mail order, and was told it required authorization from doctor. They had spoken with my doctor a week prior regarding prescription, and didn’t get an authorization done. This company drops the ball at every possible turn, and expects you to remind them of their mistakes. They set up this Optum Rx for life saving drugs, and all the policies in place is to make it difficult to get the drugs you need. They are an subsidiary of United Health Group, which is too big to fail, or care for that matter. Absolutely the worst possible online pharmacy. They know they are the biggest health insurance in the nation, and they have everyone by the balls. Every policy should come with a anxiety kit, because having their insurance policy will give you anxiety. Insurance commissioner should investigate HPN, but they are probably affiliated with United Health Group /​HPN /​Optum Rx as well.
I hope I never get too sick before I get Medicare. Because I’m sure they won’t care that I die while insured under HPN and Optum Rx.
Link to Optum Rx complaints on
. Insurance commissioner should open an investigation on these people. They are playing games with Americans health and medications.

TERRIBLE. UNRELIABLE. DANGEROUS.
I have a very expensive National Open Access POS Plan with HPN through my spouse who is a high level executive at a large company (probably one of the largest clients of HPN.) At enrollment, we were told our plan was «the Rolls-​Royce of insurances». It’s anything but…
I couldn’t agree more with the other reviewers here: HPN is unreliable, they give false/​incorrect information, they automatically reject every pre-​authorization even if they are time sensitive, and it takes countless hours and tears to get issues quasi resolved.
But what happened most recently is beyond any frustration: I had developed a dangerous medical condition as a result of compounded incompetencies of HPN. I am pregnant and it’s a high risk pregnancy. Four weeks ago, my specialist prescribed an Rx that I was supposed to start taking immediately but required pre-​authorization. The first two pre-​authorization requests, HPN «lost». (They claimed they didn’t have a record of them, even though we had the fax confirmations to show they went through.) So, we lost one week. It took them an additional week to approve the third attempt — except they pre-​authorized the wrong medication! They authorized the one that was listed as «tried and failed» — except they denied it was marked as such until I literally walked them through and pointed out where on the form it was indicated. From that point, it took additional hours on hold and checking with supervisors to be told that the only thing we could do is to file an appeal that would take an additional 7 days (or 3 if expedited) to approve. In a few days, they approved the right medication but authorized the wrong amount! I was prescribed a month supply of 60 syringes and they authorized 10! The pharmacy (OptumRx) wasn’t able to fill an incomplete request and we had to wait until HPN corrects (yet again!) their mistake and authorizes the right amount. By the time the issue was resolved and my medications were finally delivered last week, I had developed a dangerous condition this medication was supposed to prevent and ended up in the emergency room. The incompetencies of HPN put my and my baby’s health/​life at risk.
Unfortunately, this is not the only horrible issue I experienced with HPN, only the most recent. For this reason, I would suggest you only consider HPN if you are in an excellent health and only need to see the doctor once a year for an annual physical

WORST INSURANCE COMPANY EVER! Minimum 1hr hold times, indescribably incompetent customer service, will steal your money, deny your claims, website services do not work, cannot select a PCP, and generally do everything to make your life miserable.
Longer story of how horrible Health Plan of Nevada is:
My pregnant wife and I signed up and paid for their $ 800/​month HMO plan during the open enrollment period at the end of 2014. Right off the bat they enrolled us in the wrong plan. After literally hours of time spent waiting on hold, tears of frustration, and speaking to countless incompetent customer service agents, we thought they had finally gotten us enrolled in the right plan.
January rolls around and we get a «You have not paid your premium for this month» notice. I check my credit card statements and they certainly billed us $ 800 back in December for January. Countless more hours dealing with customer service, and turns out they never actually got us switched over to the right plan. They tell us we have to cancel our plan, they will refund our money, and then we have to try to re-​enroll. So we do, and pay another $ 800 to enroll in the plan we originally tried to enroll in back in December.
3 weeks go by, and it appears we are enrolled in the right plan, but the $ 800 we paid back in December was not refunded as they promised. Another couple hours on hold with customer service and they refuse to help. So now for all practical purposes, they’ve stolen $ 800 from us.
My poor pregnant wife has had a terrible time trying to get her pre-​natal care appointments covered. HPN continually makes her life miserable by losing PCP information, denying coverage, etc.
So if you like misery, horrible customer service and getting ripped off, then go ahead and pay $ 800/​mo to HPN. Unbelievable to pay that much and get such terrible garbage.

This is the first time that I have had a «state» insurance that does not cover you outside of Nevada. I travel often and have put my travels on hold to protect myself from any uncovered accidents. I was told two days before my plan ended that due to an authorized broker provided by HPN that I was going to be uninsured as of the first. I did what I was supposed to do on November 15 to make sure that I was reenrolled. I am actively seeing doctors and I’m very sick and to be told that I was going to be uncovered after I just had an emergency surgery was very worrisome. After hours on the phone and no supervisor available I was told it could take 7 – 10 days to get an answer. That was not acceptable to me due to the fact that I did everything I was supposed to do and it was a error on their behalf.
I found out I can go to an actual location and I called to verify hours. They told me they would be there until 5 o’clock. When I got there at 4:30 they told me it was a holiday so the sales department decided to go home early, how is that fair to anybody should I have to suffer during the holiday?
I told them I refused to leave until they were able to get me into a plan. After five no’s, I told them that if anything were to happen I would make sure to come back and sue them all individually… How funny is it that they came back with a temporary policy until they are able to figure out their mistake. Five days into the new year they were able to change my policy after weeks of my medical services being postponed.
I called to make sure all six of my referrals on my previous insurance plan rolled over Andy representative informed me that they were closed and removed… How can you close and remove a referral if I never went and got it done?
So after calling Verizon and calculating how much time I spent with HPN I calculated over 14 hours of wasted time.
This company is a joke, and it is sad when their own employees believe that as well.

Very difficult. People are always pleasant and try to be helpful but rarely can I get through on the phone without a wait longer than an hour. We usually plan to be on the speaker phone for about an hour and a half before connecting. They are terribly inconsistent about what is covered and what is not — if you call three times you will get three different answers.
Most importantly — DO NOT USE THIS INSURANCE IF YOU TRAVEL OR LIVE OUT OF STATE. They are completely useless in that regard. I have spent thousands because doctors charge me out of frustration or because we are told it is covered and later told it isn’t. I would never use this if I had another option.

I’ve been in the medical field in the Las Vegas area for over 13 years now and this is hands down THE WORSE INSURANCE COMPANY IN THE WORLD! They hire new people all the time that know nothing about medical. The provider rep department has the worse turn around than a revolving door. I’ve had friends go and work for this place that have horror stories and lets not forget how active this insurance company was in infecting people in this town with hep C because of Dr. Desai. HPN was his biggest level of patients seen due to his contract with them. They really need to be shut down they are disgusting both professionally and medically. If you ever get a job that offers this insurance your better off with Obama care for your own sanity trust me!

I researched online heavily about which primary care doctor to choose. I really like 2 of the 3 doctors for my family. However, the support staff at every doctors office is HORRIBLE beyond belief! I have gotten incorrect prescriptions ordered, waited over a month now for referrals, one doctor disconnected her phone for a whole week! I called 3 times a day as my question was very urgent (re:fixing incorrect prescription!)! Each supplier that HPN works with seems to churn you out like a machine. When I purchased it, they told me basic infertility treatments were included, I have now found out they are not. I am sickened to know that I cannot CHANGE my insurance provider until December when the govt opens up signup again! I have been forced into a cheap crappy plan.

health plan of nevada is the absolute worst insurance company i have ever dealt with in my 30 yrs of medical insurance. their customer service is absolutely horrible! their recording states they are having an unusual high call volume which is a joke, i have called 3 time in two mo. same recording each time and have been on hold a minimum of 30 min … higher the proper staff… plus they are denying the only asthma medication that has ever worked in the forty years that i have had asthma and are requiring me to try other meds that i have tried in past that never worked? plus now on certain meds that are prescribed for 30 days by the dr. they will only give out 15? so instead of one co-​pay a month i know must pay two? all about saving money with this company and can careless about the health of the patient!!! plus the other post is correct you cannot go to emergency room without going to quick care first or if transported by ambulance? stay away form health plan of nevada at all cost… either way you will pay!!!

This is an awful insurance company. They lure you into signing with them, they are very kind at getting your credit card number and making you a costumer, but when they call you to collect a remaining balance larger than what the insurance company is able to pay and you contact them hoping that they have an answer, it was a mistake on their part or something of the sort– they leave you hanging and say you should have read everything carefully and called if you had questions. In an insurance company as limited as this one, they should make the effort to reach out to their costumers and one on one inform them of their benefits as well as of their responsibilities as a patient so that when you receive a call from a collection company about lab work that was done to you requested by your doctor who is well aware of your insurance policy, you don’t feel like you have been scammed; or better yet you never receive a collectors call because you are well informed of your plan. What is the point of paying for insurance month to month to be left with a bill that is higher than what your insurance will cover? If you didn’t have insurance, the doctor and the lab would be very cautious as to express to you the total in numbers of the work you are getting done, prior to getting it done– or simply would avoid performing such work because you don’t have the right insurance or money. It’s an absolute scam from all parts of the healthcare system and it really is unfortunate that the only liable person is the patient who was played by all parts. Health Plan of Nevada is a scam along with physicians and laboratories who play the game.

Referring to the first (very negative) comment in this review…
It would have been good to know whether this is a self-​pay or employer-​provided plan. My employer-​provided Health Plan of Nevada policy costs $ 64 a month for an adult and a child. Service and care has been above average for an HMO.
The employer sets plan benefits, co-​pays, etc. Sounds to me like this person has a cheap-​ass employer who cares more about its bottom line than its employees. In fact, if a family of four is paying $ 1000 a month, I’m guessing that the employer is contributing nothing.
Not easy to do these days, but the solution is to find a better employer.