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As living costs get higher, many households across Nevada are looking for ways to reduce expenses. For some, cutting down or even eliminating the cost of health insurance may seem like a simple way to keep more money in the bank without reducing their standard of living. This may be especially true for those who are young and healthy and do not expect high medical bills anytime soon.
Obviously, if you make it through the policy term without using your health insurance, you would have saved hundreds or thousands of dollars by foregoing coverage. The temptation is real! However, if you’ve ever spoken with a licensed financial planner, they always advise to get health insurance. There is an important reason. Without health insurance, it can be a serious gamble. Reason being, just one routine preventative care or mild medical event can result in large medical bills. Simple stitches at an Emergency Room can cost thousands!
A health insurance agent can help you consider your needs and budget and find a health insurance plan that you can afford.
The average American health insurance plan for a family of 4 without a government “Subsidy” is $18,000ish per year. Whereas, with a subsidy, what they pay could be much less depending on their income and if they don’t have coverage offered through their employer. Their coverage generally pays the total cost of annual check-ups, which have a value of approximately $200-$300 per person in the family. If the individual needs no other care that year, they could have saved a bundle skipping health insurance coverage. However, medical costs add up quickly. If you experience a simple medical emergency, such as abdominal pain, just checking into the emergency room can cost thousands!! The ER doctor that sees you may charge you another $1,000 or so, depending on what takes place, to provide immediate care. If they order MRIs or CT scans, the price may climb even higher.
If you experience a more extensive medical emergency and require hospitalization, hospital bills may quickly become a burden. A three-day stay, for example, could set you back about $60,000 depending on what tests are ordered and what happens during your stay. Fixing a broken leg could cost $7,500. If you are diagnosed with a serious medical condition, you could find yourself hundreds of thousands of dollars in medical debt.
Even if you are not living with any chronic conditions and are in good general health, you could experience an unexpected medical emergency at any time.
These include:
Some health insurance plans have additional coverage for family planning services, vision and dental care and medical management programs.
Rather than skipping health insurance coverage, consider looking for a comprehensive plan that fits your needs and budget. At Nevada Insurance Enrollment, our health insurance agents specialize in helping you review plans across multiple companies to find the one that best fits your needs. We can also help you determine whether you qualify for government subsidies that can help lower your monthly premiums.
Sometimes, deciding whether to see a doctor is a gray area, but it’s better to err on the side of caution. If you are experiencing a serious injury or illness, it is easy to justify making a call to your local medical office. However, it is important to remember that early detection generally leads to better outcomes.
Health insurance pays for dermatology appointments in the same way that it does any other visit with a specialist. If the treatment you are seeking is “medically necessary”, and you have followed your plan’s rules for getting referrals or seeing in-network providers, you will not have to pay for your care entirely out of pocket.
Understanding your emergency room bill, including what charges are on there and whether they are fair, can help you spot discrepancies and potentially save you money.
By page visits (this month)
By page visits (this month)
In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.
Going through a divorce can be a very stressful time, and it is unlikely that your health insurance coverage is at the forefront of your mind throughout the proceedings.
If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts.