Deadlines/ Important Announcement for Members

Question #1: Is FHP-NV still in business?

On June 12, 2023, Friday Health Plans of Nevada (“FHP-NV” or “Friday Health Plans”) was placed into receivership. On July 25, 2023, the receivership court entered an order approving the liquidation of FHP-NV effective September 1, 2023. 

Question #2: Do I still have health insurance?

Yes. Current policyholders of FHP-NV who have paid their premiums will have coverage through August 31, 2023.   

Question #3: When does my current coverage with Friday Health Plans end? 

All FHP-NV coverage ends at 11:59 P.M., on August 31, 2023.  

Question #4: Do I need to keep paying my premiums? 

Yes. Members should continue to pay their premiums through August 31, 2023, to avoid a lapse in coverage. 

Question #5: When can I change health insurance companies? 

A special enrollment opened on July 25, 2023, to ensure existing FHP-NV members have time to shop for and enroll in a new health insurance policy on the Exchange (Nevada Health Link) before their current coverage is terminated. If members enroll in a new health insurance plan before August 31, 2023, they will transition to new coverage on September 1, 2023, so long as they have paid their premiums through August 31, 2023. Members will be receiving notices in the mail with details about the special enrollment period. The special enrollment period will end on October 31, 2023.  Members are welcome to contact the Exchange by visiting NevadaHealthLink.com/find-assistance/ or calling (800) 547-2927 to start shopping for plans and ask questions. 

Question #6: Will I have a gap in coverage (or will I have any period of no coverage)? 

If members do not enroll in a new health insurance plan on or before August 31, 2023, they will have a gap in coverage. If members do not pay their premiums through August 31, 2023, they will have a gap in coverage.  If members enroll in a new health insurance plan before August 31, 2023, they will transition to new coverage on September 1, 2023, so long as they have paid their premiums through August 31, 2023. To avoid any gap in coverage, FHP-NV members must enroll in a new health insurance plan by August 31, 2023.  Members that fail to enroll in a new plan by August 31, 2023  will still have until October 31, 2023, to enroll in a health insurance plan, but will have a gap in coverage from August 31, 2023 until the first day of the month after they purchased coverage. For example, if a person enrolls in health insurance on October 1, coverage will begin on November 1, leaving the person with a gap in coverage for the months of September and October. 

If you enroll between…                                              

August 1, 2023 – August 31, 2023  

No gap in coverage

Your new health insurance starts…

September 1, 2023   

No gap in coverage

If you enroll between… 

September 1, 2023 – September 30, 2023    

Your new health insurance starts…

October 1, 2023

If you enroll between… 

October 1, 2023 – October 31, 2023          

Your new health insurance starts…

November 1, 2023

Question #7: How does the special enrollment period work?

A special enrollment period allows a FHP-NV member to enroll in a health plan outside of the normal open enrollment period (Nov 1 – Jan 15). During the special enrollment period, FHP-NV members may shop for and enroll in a new health insurance plan on Nevada’s online health insurance marketplace website (the “Exchange”) at Nevada Health Link. For help choosing and enrolling in a new Exchange health plan, members should visit NevadaHealthLink.com/find-assistance/ or call Nevada Health Link at (800) 547-2927 to find  a Nevada certified agent, broker or enrollment counselor. The special enrollment period runs from now until October 31, 2023.  

Question #8: Will I still receive a premium subsidy?

If a member received a premium subsidy for their FHP-NV plan, then a premium subsidy should apply to the new insurance plan so long as the person is still eligible. For questions, please visit NevadaHealthLink.com/find-assistance/ or call Nevada Health Link at (800) 547-2927 to speak with an enrollment counselor

Question #9: Will my deductibles and out-of-pocket maximums be honored by the new insurer? 

No, deductibles and out-of-pocket maximums will start over with the new insurer.

Question #10: Will my claims be paid? 

Once in liquidation, the Nevada Life and Health Insurance Guaranty Association will address claims for services performed on or before August 31, 2023, in accordance with the policy and Nevada law. 

Question #11: Can I continue to see my doctors and have prescriptions filled?

Members can continue to see plan providers (doctors, hospitals, pharmacies, etc.) under the terms of their policies through August 31, 2023.  After August 31, members will be subject to the terms of their new health insurance policies, including plan providers, assuming there is no gap in coverage.  

Question #12: Can my doctor or other provider refuse to see me because I have FHP-NV insurance?  

Members can continue to see plan providers (doctors, hospitals, pharmacies, etc.) under the terms of their policies through August 31, 2023. If a provider is refusing to honor their network agreements, please inform the Special Deputy Receiver immediately by emailing dellingson@ellingsonassociates.com.  

Question #13: Who should I contact for problems with an Existing claim? 

Members should call Friday Health Plans at 844-535-2000. Members may also contact the Special Deputy Receiver by emailing dellingson@ellingsonassociates.com. 

Question #14: What should I do if I currently have a claim check that was issued for a claim on an FHP-NV policy? 

Cash the check or deposit it in your bank before August 31, 2023.

Question #15: I received a bill from the doctor, what should I do?

Claims should be submitted to FHP-NV via the member portal.  For questions call Friday Health Plans at 844-535-2000.

Question #16: I have moved since submitting my claim; how do I update my address? 

Call Friday Health Plans at 844-535-2000. 

Question #17: I have a surgery approved and scheduled in 2023, will it still happen? 

Medical services performed on or before August 31, 2023, should be covered assuming they meet policy terms.  Any services performed after August 31, 2023, will not be covered by FHP-NV.  Members should visit NevadaHealthLink.com/find-assistance or call Nevada Health Link at (800) 547-2927 to find a Nevada certified agent, broker or enrollment counselor for help answering this question.

Question #18: Can I renew, make changes, or add coverage to my FHP-NV coverage? 

No renewals or new policies will be issued.

Question #19: How can I contact FHP-NV?

Friday Health Plans of Nevada
Phone: 844-535-2000, Monday-Friday 8 a.m. – 5 p.m. PT

General Questions: 

Question #20: What does “receivership” mean? 

A receivership is a court proceeding similar to a bankruptcy proceeding.  The company will continue to operate in receivership.  A company can come out of receivership, or it can be shut down.  In a receivership, the Commissioner is appointed as the Receiver of the insurance company. The Receiver takes over the troubled insurance company to conserve, rehabilitate or liquidate it for the protection of its members, providers, and the public. Under the Receiver, a Special Deputy Receiver is appointed to handle the day-to-day administration of the company.  

A conservation receivership allows the Receiver to analyze the company’s operations and financial situation to determine the best option for policyholders and creditors—either by rehabilitating the company, liquidating the company, or returning the company to private management.  

A rehabilitation receivership results in a plan to adjust company operations that led to the receivership.  If it is determined that there is no way to correct the deficient operations, the court can order liquidation.  In liquidation, the company’s assets are sold, debts are paid, and the company is closed. 

Question #21: Why was it necessary to place FHP-NV in receivership? 

FHP-NV grew very fast and needed additional capital in order to sustain its growth.  It was unable to secure the additional capital.  A receivership allows the Receiver to protect the capital and assets to ensure funds are paid out by priority—in Nevada, policyholder claims are one of those priorities.  

Question #22: How many people in Nevada are enrolled in Friday Health Plans? 

There are approximately 3,300 members.  

Question #23: What is the Nevada Life and Health Insurance Guaranty Association?

The Nevada Life & Health Insurance Guaranty Association was created by the Nevada legislature to protect state residents who are policyholders and beneficiaries of policies issued by an insolvent insurance company, subject to exclusions and specified limits. All insurance companies and health maintenance organizations (with limited exceptions) licensed to write life and health insurance or annuities in Nevada are required, as a condition of doing business in the state, to be members of the Guaranty Association. If a member company becomes insolvent, money to continue coverage and pay claims is obtained from the insolvent estate and through assessments of the Guaranty Association's other member insurance companies writing the same line or lines of insurance as the insolvent company. All 50 states, the District of Columbia, and Puerto Rico have life and health insurance guaranty associations.

Question #24: How do I keep up with what is going on in the receivership?

This website will be updated periodically with all of the information related to the receivership. 

Question #1: Can I switch my individual clients to a different carrier now? 

Yes.  A special enrollment has been opened for on-Exchange individuals. The special enrollment period ends on October 31, 2023.  However, to avoid any gaps in coverage, FHP-NV members must enroll in a new health insurance plan on or before August 31, 2023. Members that fail to enroll in a new health insurance plan on or before August 31, 2023, will still have until October 31, 2023, to obtain coverage but will have a gap in coverage from August 31 until the first day of the month following enrollment.  (For example, if a member enrolls in coverage on September 1, coverage will begin on October 1 leaving a gap in coverage for the month of September).  For more information, contact NevadaHealthLink.com/find-assistance/ or call Nevada Health Link at (800) 547-2927.

Question #2: Can I switch my group clients to a different carrier now? 

Yes.  The small group market is not subject to the open enrollment requirements. 

Question #3: How can I help my clients who have Friday Health Plans coverage?

Emphasize the importance of clients choosing a new Exchange health plan prior to August 31, 2023, so that they will not experience a gap in coverage.  You can refer to the Policyholder FAQs above for information regarding how to enroll in a new Exchange health plan.

Question #1: Do I have to continue to see patients with a FHP-NV policy?

Yes until August 31, 2023. FHP-NV is still operating in Nevada and the network contracts between FHP-NV and providers are in effect until August 31, 2023.  

Question #2: Will I be paid for services rendered to patients with an FHP-NV policy?

Yes. Once in liquidation, the Nevada Life and Health Insurance Guaranty Association will address provider claims for services performed on or before August 31, 2023, in accordance with the policy and Nevada law.  

Question #3: Do the federal and state surprise billing laws apply?

Where applicable, these laws continue to apply until FHP-NV coverage ends. 

Question #4: How should I file claims?

You should continue to file claims in the same way as before. Do not resubmit claims as this will slow down the claims paying process. 

Question #5: How can I help my patients who have Friday Health Plans coverage?

It would benefit your patients to read the Members FAQs above and visit NevadaHealthLink.com/find-assistance/ or call Nevada Health Link at (800) 547-2927 to find a Nevada certified agent, broker or enrollment counselor for help answering their questions.