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What is Health Insurance?
It’s Financial Protection
Because Accidents Happen
Health insurance is an agreement between you and the insurance company that helps cover the cost of medical care and protects you from overwhelming healthcare expenses. Instead of paying the entire bill yourself when you visit a doctor, fill a prescription, or go to the hospital, health insurance helps pay a portion of those costs.
Your health insurance plan also provides access to a network of doctors, specialists, hospitals, and pharmacies, along with preventive care, wellness programs, and cost-sharing features that help make your healthcare more affordable.
Many people refer to these health insurance policies as “Obamacare” insurance, major medical, or simply healthcare. These plans are Affordable Care Act (ACA) health insurance plans typically sold through the government’s federal marketplace (HealthCare.gov). In Nevada, however, enrollment is managed through the state’s exchange, called Nevada Health Link.
No Subsidy
Health Insurance
OFF Exchange
WITH Subsidy
Health Insurance
ON Exchange
Medicaid
Health Insurance
low income
NO Subsidy, WITH Subsidy, Medicaid [explanation] - click to open/close
1). WITH a Government Subsidy:
Where the Government helps you pay your premiums (You must qualify, based on your income and family size). If you want to apply for a Government subsidy you’ll be enrolling into a health insurance plan on the exchange, which is where you enroll.
2). With NO Government Subsidy:
You don’t qualify for a Government subsidy because you make too much money, OR you just don’t want a subsidy. No questions on income are required. If you want to buy your own plan without a Government subsidy, or know you won’t qualify for Government help because you make too much money each year, you can shop and enroll into health insurance “Off Exchange”, which means you are buying a health insurance plan in the private Market with no subsidy.
3). Medicaid:
Medicaid is a joint State/Federal health insurance program that is administered by the State. It provides health coverage for low-income individuals, especially pregnant women, children and the disabled. The Division of Welfare and Supportive Services (DWSS) determines eligibility for the Medicaid program.
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Verify if you qualify for a health insurance subsidy, are eligible for Medicaid, or prefer a private health plan without a subsidy.
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What is Health Insurance?
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What is Health Insurance?
It’s Financial Protection – Because Accidents Happen
Health insurance is an agreement between you and the insurance company that helps cover the cost of medical care and protects you from overwhelming healthcare expenses. Instead of paying the entire bill yourself when you visit a doctor, fill a prescription, or go to the hospital, health insurance helps pay a portion of those costs.
Your health insurance plan also provides access to a network of doctors, specialists, hospitals, and pharmacies, along with preventive care, wellness programs, and cost-sharing features that help make your healthcare more affordable.
Many people refer to these health insurance policies as “Obamacare” insurance, major medical, or simply healthcare. These plans are Affordable Care Act (ACA) health insurance plans typically sold through the government’s federal marketplace (HealthCare.gov). In Nevada, however, enrollment is managed through the state’s exchange, called Nevada Health Link.
Read More: https://www.nevadainsuranceenrollment.com/health-insurance/
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Why Do You Need Health Insurance?
Health insurance is a safeguard for both your health and your finances, providing financial protection and access to quality healthcare when you need it most. Whether it is managing a chronic condition, facing a sudden accident, unexpected illness, or requiring planned but costly surgeries, they can result in overwhelming medical expenses.
Read More: https://www.nevadainsuranceenrollment.com/health-insurance/
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What Does Health Insurance Pay For?
Health Insurance Covers a Wide Range of Medical Needs
From Routine Care to Unexpected Emergencies- Chronic Conditions: diabetes, asthma, high blood pressure
- Preventive: checkups, screenings, vaccines
- Accidents and Injuries: broken bones, sprains, cuts
- Surgeries: knee replacement, ACL repair, skin cancer
- Diagnostic and Labs: blood work, X-rays, MRIs, CT scans
- Mental Health Services: anxiety, depression
- Substance Abuse: drug or alcohol addiction
- Prescription Coverage: reduced cost of prescriptions
- Maternity: doctor visits, delivery, follow-up care
- Specialist Care: dermatologists, cardiologists, neurologists
- Family Support Services: marriage or family therapy
Read More: https://www.nevadainsuranceenrollment.com/health-insurance/
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Where Should I Buy My Health Insurance?
You Have Choices. The Difference Comes Down To:
1. Local Guidance From Nevada Experts
2. Support Beyond Open Enrollment
3. Service Tailored to Your NeedsUnlike group health insurance you receive from your employer or spouse’s employer, individual and family health insurance plans you purchase on your own. When you buy health insurance on your own, it is a private health insurance plan and gives you the flexibility to choose a plan that fits your needs and budget.
Enrollment Made Simple
Purchasing health insurance may feel overwhelming, but it does not have to be complicated. You have several options for enrollment, whether through the state’s Marketplace (Nevada Health Link), directly with an insurance company, an online broker, or with the help of a licensed local health insurance agent.Same Price
The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free.The real difference lies in the level of guidance and support you receive.
Enrollment Options:
Which One Is Right for You?Local Agents
Your Free Resource
When it comes to choosing health insurance, nothing compares to the support of a local licensed health insurance agent. Our agents study every plan from every carrier available in Nevada, comparing cost, coverage, and benefits.Why Work With Us?
For over 15 years, Nevada Insurance Enrollment has specialized in health insurance. We are not seasonal staff or a faraway 1-800 number. We are local, licensed agents who study Nevada plans, guide you step-by-step, and stay with you for billing, claims, or membership questions long after enrollment. If you ever have questions, you will speak to your agent, the same person who already knows you and your situation.We are professional health insurance agents… it’s what we do.
The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free.
Do It Yourself
You can enroll through Nevada Health Link or work directly with a health insurance company. This may work if you already know exactly what you want, but there is no personal guidance if you are unsure about networks, doctors, prescriptions, subsidy eligibility, co-pays, deductibles, or other benefits.If you need help later, whether it is a billing question, prescriptions, making changes, requesting authorization, or filing a claim, you will need to call the insurance company’s customer service line yourself.
Keep in Mind:
Licensed local health insurance agents (like us) are different. We can manage everything for you – questions, communication, changes, authorizations, and claims.Plus, our help is always free. Your premium does not change. Enrolling on your own does not save money, it only means you will not have an expert to guide you if questions or problems come up later.
Use a ‘Navigator’
Navigators are certified enrollment counselors trained by Nevada Health Link. To qualify, they must complete a 20-hour training course, pass an exam, and clear a background check. Navigators provide free assistance with applications, documents, and general education about Marketplace rules.Worth Noting:
While the 20-hour training course for a Navigator may provide a basic foundation, it is not the same as the licensing, ongoing training, and years of direct experience that professional health insurance agents offer.
Online Brokers
Online Brokers (like e-Health and HealthSherpa) operate privately owned websites that let you browse and compare plans from multiple insurers at your own convenience, anytime. While these platforms can be convenient and may look easy to use, their services come with important limitations.These websites serve customers nationwide, not just Nevada. They do not specialize in Nevada health insurance plans or understand the nuances of Nevada Health Link, local doctor and hospital networks, or state-specific rules.
If you have questions, or need help in the future, you will call a 1-800 number and speak with a random representative.
The Reality Is:
The price of your health insurance policy will always be the same, no matter where you buy it. Choosing to purchase your health insurance through an online broker does not save you money, it only means you lose out on personalized local guidance and ongoing support from a local, licensed health insurance agent.Read More: https://www.nevadainsuranceenrollment.com/insurance-agent/
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Will My Health Insurance Cost More If I Use an Agent?
NO.
We know people on social media say it will, and that using an agent will cost you more because they get paid a commission, but that is misinformation. The truth is, having an agent help and guide you doesn’t cost anything (the service we offer is FREE). The INSURANCE COMPANY pays the agent to assist you, and you will NOT pay a higher rate because of our help.
It’s All The Same Price
The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free. Choosing to purchase your health insurance without professional guidance doesn’t save you money, it only means you lose out on personalized local guidance and ongoing support from a local, licensed health insurance agent.The real difference lies in the level of guidance and support you receive.
Why Use a Health Insurance Agent?
Professional health insurance agents help and guide you. With their knowledge and expertise, they take you step-by-step through the plans (from the available health insurance companies) and find the best plan for the best price.Local Agents
Your Free Resource
When it comes to choosing health insurance, nothing compares to the support of a local licensed health insurance agent. Our agents study every plan from every carrier available in Nevada, comparing cost, coverage, and benefits. We live in Las Vegas, and can manage everything for you – questions, communication, changes, authorizations, and claims.Why Work With Us?
We are professional health insurance agents… it’s what we do.
For over 15 years, Nevada Insurance Enrollment has specialized in health insurance. We are not seasonal staff or a faraway 1-800 number. We are local, licensed agents who study Nevada plans, guide you step-by-step, and stay with you for billing, claims, or membership questions long after enrollment. If you ever have questions, you will speak to your agent, the same person who already knows you and your situation.