You Have Choices. The Difference Comes Down To:
1. Local Guidance From Nevada Experts
2. Support Beyond Open Enrollment
3. Service Tailored to Your Needs
Unlike 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/
