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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.
Health insurance companies that sell plans on the Health Insurance Marketplace can offer four types of qualified health insurance plans, including Bronze, Silver, Gold, and Platinum. The plan you choose determines not only the premium you pay but also what portion of your health costs you pay.
Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently.
The way health insurance is being marketed may give you the wrong impression that Nevada Health Link is the ONLY place to buy health insurance these days, but that is NOT the case. You can continue to buy your health insurance from the same agents and agencies you’ve always bought your health insurance from.
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Many who struggle with substance abuse, also struggle with mental health disorders like depression, anxiety, and bipolar disorder. Often, treatment will include medication, therapy, and rehab for both provided it’s medically necessary.
Like major medical health insurance plans, catastrophic health insurance covers the 10 essential health benefits outlined in the Affordable Care Act. However, if you have this type of plan, your out-of-pocket costs for services are considerably higher than with regular health insurance.
A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.
Gender reassignment surgery in order to be considered medically necessary, certain criteria must be met, such as if a qualified mental healthcare professional provides a referral and medical or mental health concerns are present.