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The way health insurance is being marketed, it 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.
It is true, however, that Nevada Health Link’s website is the only website you can go to get your health insurance “subsidized”. This means the Government helps pay for your health insurance policy.
To use an analogy, if Nevada Health Link were an auto sales website, you could go to their Government website and purchase your Toyota, Ford, Chevy, Honda, etc. You would be buying with a “subsidy” which means the Government helps you pay for your Toyota, Ford, Chevy, Honda, etc., as long as your income falls within a certain percentage and you qualify. The Government will then help contribute each month towards the payment of your new car (or in this case, your health insurance policy).
Continuing with our analogy, you can, however, continue to buy your Toyota, Ford, Chevy, Honda, etc., from a real person, who lives in Las Vegas, and will help guide you. This AGENT, can sell both ON or OFF Exchange, which means they can help you purchase health insurance WITH or WITHOUT a Government subsidy. You would go directly to the dealership and buy your vehicle, or better yet, have a local health insurance agent guide you (who knows all the health plan coverages, their networks, hospitals, doctors, and drug formularies etc.).
OK, let’s leave the auto dealership analogy and get back to the real world.
You can buy your health plans from the same places you’ve always bought health insurance and continue to enjoy the friendly, knowledgeable assistance an experienced local health insurance agent provides. Using a resource like this website, NevadaInsuranceEnrollment.com, you have the ability to shop for a variety of insurance options, receive help from our agents to enroll into your government subsidized health plan or unsubsidized health plan, and choose the best health insurance policy that will suit your personal and financial needs. All at NO additional cost. The service the agent provides is FREE!
A “Subsidy” is a special tax credit that you can take to help lower the cost of your monthly health insurance premiums. If you qualify for a Health Insurance Subsidy, it’s kind of like getting a gift card from the Government to help pay your health insurance premium. This subsidy is sent directly to the insurance company, which pays a portion of your premium, and you will be responsible for paying the remaining balance.
While a lot of good has come from the law, there have been serious downsides as well, leaving many to wonder whether the ACA will stand the test of time or be repealed and replaced.
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.
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A “Subsidy” is a special tax credit that you can take to help lower the cost of your monthly health insurance premiums. If you qualify for a Health Insurance Subsidy, it’s kind of like getting a gift card from the Government to help pay your health insurance premium. This subsidy is sent directly to the insurance company, which pays a portion of your premium, and you will be responsible for paying the remaining balance.
While a lot of good has come from the law, there have been serious downsides as well, leaving many to wonder whether the ACA will stand the test of time or be repealed and replaced.
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.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.