Health Insurance for Members in Nevada

Getting Insured through Fractured Atlas

Getting health insurance should be simple and painless. And it can be!

We've done the homework for you. We've translated insurance lingo and researched for the best options out there. We'll walk you through the process and help you out if you run into trouble.

Don't procrastinate. Get insured.

Why Aetna?

We researched and compared different health insurance companies before deciding to partner with Aetna. We picked three of the best plans Aetna offers to serve a diverse arts community. What did we look for?

Good plan options at an affordable price. Plain and simple.

The Fine Print (in a reasonably large font)

These plans provide "individual" insurance, not "group" insurance. The legal reasons for this are complex, but for the most part it's because most state insurance laws recognize employer groups only.

The difference is that we're a non-profit organization whose mission is to support artists and creative professionals.

How much a plan costs, and whether your application is approved or declined, are based on individual factors. These include your age, zipcode, and medical history. Health insurance plan rates are set by law and are the same whether you obtain coverage directly, or anywhere else.

You'll pay the same amount for Aetna coverage through Fractured Atlas as you would if you applied directly or through a broker. The difference is that we're a non-profit organization whose mission is to support artists and creative professionals. You'll also have our support as an independent organization with one-on-one feedback and communication with knowledgeable staff. That's right: real, live, breathing people.

These plans also do NOT provide coverage for maternity or mental health care (except where it is required by law in the case of biologically based disorders). If you absolutely need coverage for these, then these plan options probably aren't a great fit.

Join the Revolution

We believe that everyone, including artists and independent creative workers, have the right to:

• Equal access to affordable, quality, health insurance
• Coverage that can be kept from job to job
• Protection from crippling medical debt

The arts community deserves the same economic security other professional industries enjoy. We are committed to reducing the ranks of the uninsured in our community, one person at a time.

Let's Get Started!

• Review coverage options
• Get a free quote

Three of Aetna's health insurance plans offer the best combination of price and benefits. Click on the plan names below for information on how each one works and how they differ from each other.

Aetna PPO 5,000

The least expensive of the Aetna plans. Exactly the same as Aetna PPO 3,000 but with a higher deductible.

Want more coverage? Take a look at the Aetna PPO 3,000 and 2,500 plans.

Affordable Coverage for Superheros

You're a superhero with an immune system to match. You don't mind a very high deductible because you rarely go to the doctor. You want an annual physical and you want to be covered for the real big medical bills if you get hit by a bus or get seriously sick. If this sounds like you, then this plan might be a good fit.

How it Works

You pay for all your medical expenses up to the deductible. Once that has been met, Aetna pays 100% of additional in-network expenses. A routine physical is provided annually for just a small copay and no deductible.

The monthly premium is very low, since you'll be assuming responsibility for any healthcare expenses for the year up to the deductible. This is why it's a good idea to use a health savings account to set aside savings for these expenses. Many people fund their health savings account from the money they save on the insurance premiums on this plan.

Vital Stats
In-Network Deductible	$5K Individual/$10K Family
Coinsurance	You pay 0%
Out of Pocket Maximum	$5K Individual/$10K Family
Lifetime Maximum	$5 Million
In-Network Benefits
Regular Office Visit	You pay $0 after deductible
Specialist Visit	You pay $0 after deductible
Hospital Admission	You pay $0 after deductible
Emergency Room	You pay $0 after deductible
Lab/X-Ray:	You pay $0 after deductible
Preventive Benefits w/ NO DEDUCTIBLE
Routine physical (up to $200 maximum) for a $25 co-pay
Annual routine gynecological exam (pap and mammogram included) w/ no co-pay
Prescriptions
Generic	You pay $0 after deductible
Preferred Brand	You pay $0 after deductible
Non-Formulary	You pay $0 after deductible
Calendar year maximums for prescriptions may apply depending on your state. Please refer to the summary of benefits for additional details.
Excluded Services
Maternity is not covered.

Aetna PPO 3,000

Middle of the road option with moderate premiums. Exactly the same as Aetna PPO 5,000 but with a lower deductible.

Want more coverage? Take a look at the Aetna PPO 2,500 plan.

A Balanced Approach

You're looking for a balance between a lower monthly premium and a lower annual deductible. Maybe you whip out your insurance card twice a year. You don't have a lot of health concerns, except for perhaps your annual physical and the occasional sick visit. You also don't mind a moderate deductible. If this sounds like you, then this plan might be a good fit.

How it Works

You pay for all your medical expenses up to the deductible. Once that has been met, Aetna pays 100% of additional in-network expenses. A routine physical is provided annually for just a small copay and no deductible.

The monthly premium is fairly low, since you'll be assuming responsibility for any healthcare expenses for the year up to the deductible. This is why it's a good idea to use a health savings account to set aside savings for these expenses. Many people fund their health savings account from the money they save on the insurance premiums on this plan.

Vital Stats
In-Network Deductible	$3K Individual/$6K Family
Coinsurance	You pay 0%
Out of Pocket Maximum	$3K Individual/$6K Family
Lifetime Maximum	$5 Million
In-Network Benefits
Regular Office Visit	You pay $0 after deductible
Specialist Visit	You pay $0 after deductible
Hospital Admission	You pay $0 after deductible
Emergency Room	You pay $0 after deductible
Lab/X-Ray:	You pay $0 after deductible
Preventive Benefits w/ NO DEDUCTIBLE
Routine physical (up to $200 maximum) for a $20 co-pay
Annual routine gynecological exam (pap and mammogram included) w/ no co-pay
Prescriptions
Generic	You pay $0 after deductible
Preferred Brand	You pay $0 after deductible
Non-Formulary	You pay $0 after deductible
Calendar year maximums for prescriptions may apply depending on your state. Please refer to the summary of benefits for additional details.
Excluded Services
Maternity is not covered.

Aetna PPO 2,500

Most expensive Aetna plan with the lowest deductible and unlimited doctor/specialist visits before the deductible.

If you don't absolutely need this benefit, then the Aetna PPO 3,000 or 5,000 plans offer a lower monthly premium.

A Hypochondriac's Dream

You love the idea of unlimited doctor visits for just a copay and you don't mind paying a higher monthly premium for this type of coverage. If this sounds like you, then this plan might be a good fit.

How it Works

You pay a small copay for doctor/specialist office visits with no deductible. All other services, (e.g., hospital, lab work, tests, etc.) you pay up to the deductible and coinsurance amounts listed below.

The monthly premium is higher than the other Aetna plans because there's no deductible on doctor visits. Some of the other benefits are actually better on the other Aetna plans, so make sure you really need those office visits before you shell out extra money each month for this plan.

Vital Stats
In-Network Deductible	$2,500 Individual/$5,000 Family
Coinsurance	You pay 20%
Coinsurance Out of Pocket Maximum	$2,500 Individual/$5,000 Family
Total Out of Pocket Maximum	$5,000 Individual/$10,000 Family
Lifetime Maximum	$5 Million
In-Network Benefits
Regular Office Visit	$30 copay, no deductible
Specialist Visit	$40 copay, no deductible
Hospital Admission	You pay 20% after deductible
Emergency Room	You pay $100 copay and 20% coinsurance after deductible. Copay waived if you are admitted.
Lab/X-Ray:	You pay 20% after deductible
Preventive Benefits w/ NO DEDUCTIBLE
Annual routine gynecological exam (pap and mammogram included) w/ no co-pay
Prescriptions
Rx Deductible	$500/individual (separate from plan deductible)
Generic	$15 copay, deductible waived
Preferred Brand	$25-35 copay after deductible has been met
Non-Formulary	$40-50 copay after deductible has been met
Calendar year maximums for prescriptions may apply depending on your state. Please refer to the summary of benefits for additional details.
Excluded Services
Maternity is not covered.

Step by Step

1. Join Fractured Atlas. It's free, quick, and easy.
2. Review the plan options above. We've highlighted some important details.
3. Apply for a free quote. You'll find out the costs for all plans instantly with some basic info before submitting an application.
4. Submit an application (available online as a PDF when you receive your quote or by email).

Start dates are only available on the 1st or the 15th of the month. Aetna takes 2-3 weeks to review applications, so don't wait until the last minute!

If you get stuck, don't worry. Personalized guidance is available via phone or email.

Oh and by the way, we serve all types of artists and creative freelancers. Like who? Like the aerial performing artist, musician, theatre techie, sound engineer, graphic designer, blogger, and more.

Finding Doctors in Your Area

Aetna features a national network. You can find in-network doctors and hospitals anywhere in the U.S. You can search the network at Aetna's website. Here's how it works:

1. No user name or password is necessary.
2. You can search by Zipcode, City, or County.
3. Select a provider category (ex: medical providers, hospitals, lab facilities)
4. Select a provider Type (ex: primary care, specialists, etc.)
5. Select a plan. (This varies state by state. In most cases, it is called Aetna Advantage PPO. If you don't see it listed or are not sure which plan to choose, contact us with your zipcode.)
6. Click "Start Search"

Click here to find doctors.

Need Serious Help?

No worries. When you enroll in one of these plans through Fractured Atlas you are automatically enrolled in Health Proponent at no additional charge.

Ready to Roll?

Let's get started. The first step is to apply for a free quote.

Dealing with health insurance companies and health care providers can be a gigantic pain. At Fractured Atlas we know this all too well. That's why we include Health Proponent as a free value-added service when you enroll in any qualifying health insurance plan through Fractured Atlas.

Health Proponent is an advocacy and assistance company (not affiliated with any insurance company) that provides critical patient advocacy support regardless of insurance status. Whether you're insured or not, you and your family can benefit from Health Proponent's services.

Advocacy Services

• Healthcare Coaching: Helping prepare for visits with physicians and understand serious or chronic conditions, provide information about medical terms, tests, and prescriptions.
• Physician Locator: Locate specialists, make appointments, locate mental health services, coordinating and making arrangements for diagnostic tests, find long-term care, assist with eldercare services.
• Information and Service Support: Sort through doctor's explanations, research treatment options, including alternative care, transfer records, and locate community resources.
• Claims and Billing Assistance: Untangle billing claims, negotiate provider charges, decode billing items, research out of pocket responsibilities, resolving errors in the application of deductibles and copays.
• Appeals Advice: Get to the bottom of coverage denials and advise about appeals rights.
• Senior Care Navigator: Assist with the transition of insurance coverage and benefits from private insurance to Medicare; coordinate coverage for home healthcare, locating alternative care facilities and home health aides.

Eligibility and Enrollment

Health Proponent is included as a free value-added service with your enrollment in certain health insurance plans through Fractured Atlas (see plan info for details). If you're not enrolled in a qualifying health insurance plan, you can still enroll directly in Health Proponent.

How does it work?

Whenever you have a health care or insurance-related issue, you can call Health Proponent at their toll-free number.

A Personal Health Proponent (PHP), typically a registered nurse supported by medical directors and insurance experts, will be assigned to work with you (and makes the necessary calls) until your issue is resolved, (whether it takes a couple of hours or ten days).

Your medical and personal information is fully protected and held confidential. You will be asked to sign an authorization form permitting Health Proponent to work on your behalf to help resolve your issue.

You and your family can call as often as you'd like 24/7. While normal business hours are Monday-Friday, 8am - 9pm Eastern Time, on call staff is always available during after hours and weekends for assistance during non-business hours.

About Health Proponent

The Health Proponent Program is not affiliated with any insurance or third party provider. Health Proponent is NOT health insurance coverage and is NOT a replacement for health insurance coverage. Health Proponent's business practices are in full compliance with applicable privacy requirements under the Health Insurance Portability and Accountability Act.

Health Proponent is a division of Health Advocate Inc., the nation's leading health care advocacy and assistance company founded in 2001.

Download a Health Proponent brochure with more information.

Share Your Experience

Did Health Proponent help you? Would you like to share your story with us and be featured as a case study? We want to hear about it from real artists at support@fracturedatlas.org!

About the Arts Wellness Network

The Arts Wellness Network, powered by OptumHealthAllies®, is an affordable health discount program that offers unlimited access to a wide range of health and wellness services through a nationwide network of more than 500,000 physicians, dentists, and other health care professionals.

What Does it Cost and What do You Get?

A membership fee of $15.50/month gets access to discounts for you, your spouse, and your dependents.

Is the Arts Wellness Network Health Insurance?

Nope. This is NOT health insurance. It's an innovative way for artists and creative independent professionals to reduce the cost of routine and preventive care.

What Kind of Discounts are We Talking?

You can typically save 5 to 50 percent on a variety of healthcare services including:

• Medical care, including primary and specialty care
• Hospitals (where available)
• Alternative Medicine, such as Acupuncture, Chiropractic Care, and Massage Therapy
• Behavioral Health
• Prescriptions
• Vision Care
• Dental Care
• Long-term Care Services
• Hearing Devices
• Infertility Treatment
• Wellness products and services, including fitness clubs, weight loss programs, natural foods and products and more

Find a Doctor

OptumHealthAllies provides a "demo" account which will allow you to search providers here.

NurseLine

Your membership also includes NurseLine, a no-charge "hotline" that lets you talk with a registered nurse, by phone or Web, 24 hours a day, seven days a week.

Ready to Enroll?

Sign up for the Arts Wellness Network!

How About a Little Plain English?

Confused by all the lingo? Don't sweat it! Here are the most important terms you need to understand:

• Claim
• Coinsurance
• Copay
• Deductible
• Formulary
• Health Savings Account (HSA)
• In-Network
• Lifetime Maximum
• Out of Pocket Maximum
• Out-of-Network
• Pre-existing Condition
• Pre-negotiated Reduced Rate (Network Rate)
• Premium
• Primary Care Physician (PCP)
• Provider
• Specialist
• Summary of Benefits
• Urgent Care Facility