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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!
However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.
A Qualified Health Plan, or QHP, is a health insurance plan that provides coverage for the 10 essential benefits outlined in the 2010 Affordable Care Act. Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.”
Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.
By page visits (this month)
By page visits (this month)
To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
Short-term health insurance is a special policy designed to provide coverage during times of transition when traditional health insurance coverage may be impractical or unavailable.
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.