Health Insurance for a Test Ride?

Health insurance is a big purchase, and as is the case with most big purchases, understanding exactly what it is that you’ve purchased is important. To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.

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What is the Free Look Period in Health Insurance?

When Is the Free-Look Period Available?

In most cases, full health insurance coverage is an annual contract, and policyholders renew their contract every year. Free-look is only applicable to the first time you purchase that policy and is not available after you renew an existing policy. It kicks in when you receive your policy documents, ensuring that you have ample time to review everything and ensure that the policy you’ve chosen will meet your needs. Most are 10 days to review your policy for satisfaction.

It’s important to note that the free-look requirement is only applicable on health insurance policies that have terms of at least 3 years. Shorter-duration plans that are given for less than a year are not subject to the free-look rule. All ACA plans do have the free look period, with or without a government subsidy.

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Understanding Your Health Insurance with Nevada Insurance Enrollment

Health insurance can be complicated, as there are numerous types of plans available. Free-look is an important feature that gives you the opportunity to review your policy and make sure that you understand what it covers. A Nevada Insurance Enrollment health insurance agent can review your policy with you and help you purchase health insurance with confidence.​

What Happens If You Forget To Pay Your Premium By The Due Date?

What Happens If You Forget To Pay Your Premium By The Due Date?

Life happens, and while you should make every effort to pay your health insurance premium on time, health insurance plans generally will have grace periods. You may have a grace period of 30 days, or if your insurance plan is through Nevada Health Link (on-exchange), it may be up to 90 days.

Why You Should Always Use an Insurance Agent

Why You Should Always Use an Insurance Agent

Insurance agents are licensed professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage by studying all the insurance company’s policies and procedures.

 

By page visits (this month)

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog

#5) Request a Quote

By page visits (this month)

 

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog Posts

#5) Request a Quote

Comparing Medicare Advantage To Medicare Supplement

During the Medicare Annual Election Period (AEP), which is from October 15th through December 7th each year, many people may ask the question, “Do I want a Medicare Advantage Plan or a Medicare Supplement Plan (Medigap)?”

Can You File for Medical Bankruptcy?

The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.

Understanding Your New Health Insurance Plan

If you’ve recently enrolled in a health insurance plan, there are several things that you can do while you’re waiting for your coverage to begin. Being proactive while you’re waiting for coverage can ensure that you receive quality healthcare.

Telemedicine Benefits

Telemedicine puts healthcare within reach of those who would otherwise have a difficult time visiting a doctor. If you have a severe sinus infection, the last thing you want to do is spend the afternoon in the doctor’s office.