Health Insurance Options

Open Enrollment on Nevada Health Link is now over.  What is next? How can I get covered now?  Well, we have options for you to get you insured until the Exchange opens up again.  First, you could still get a major medical plan through us with the insurance carrier Nevada Health Co-Op.  The Nevada Health Co-Op is still issuing effective dates at the first of the following month after you enroll for coverage. 

Second, you could sign up on a short term medical insurance plan.  A short term medical insurance is not a major medical plan but can give you some coverage with plans covering up to 2 million dollars.  I may recommend a plan like this for a few months if a client wants to get insured with a carrier that has a waiting period such as, Health Plan of Nevada, Assurant, Anthem, Coventry One, and Sierra Health and Life.

What are the benefits of short term medical plans?  Most plans will give you an effective date the next day and a lot of the premiums are lower than a major medical plan.  Please call us to find out more information. We can help ease the stress of shopping for health care coverage.

Deductibles

What are Health Insurance Deductibles?

Just like car insurance, health insurance also has deductibles. When you purchase health insurance part of your preferences that you choose will be the amount of deductible you will have on your plan.

Deductibles defined:

The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.

Source: "Glossary." HealthCare.gov. N.p., n.d. Web. 19 Mar. 2014.