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You Can Still Buy Health Insurance From a Local Agent

by | Oct 7, 2024 | Health Insurance

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​A Local Health Insurance Agent Can Still Help and Guide You

When Purchasing Health Insurance WITH or WITHOUT a Subsidy

Using Nevada Health Link or Direct With the Insurance Company

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.

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You Can Still Buy Health Insurance From A Local Agent

Buy Direct From The Insurance Company

Buy Direct With Professional Guidance From an Agent

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.

Quote and or Enroll

Buy Your Health Insurance From Nevada Insurance Enrollment

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!

Employer Group Health Insurance Options and the ICHRA

Anthem Blue Cross and Blue Shield Coming Back To Nevada

Anthem Blue Cross and Blue Shield offered health insurance plans in Nevada years ago, but they discontinued their ACA-compliant (Obamacare) individual plans for a few years. In 2020, Anthem is offering health insurance plans statewide, giving Nevadans in all counties health insurance options we did not have in 2019.

Employer Group Health Insurance Options and the ICHRA

What is Umbrella Insurance?

Umbrella insurance is a special type of insurance coverage that protects you from lawsuits and claims that go beyond the limits or scope of your other liability insurance. It protects your assets and your financial outlook by extending the liability coverage on your homeowners, renters, auto or boat insurance when your limits are exhausted.

 

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

Term Life Insurance vs. Whole Life Insurance

Term life insurance policies will often have terms of one year to 30 years. Typically, the monthly premium (monthly payment) stays the same throughout the term of the policy. Whole life insurance provides coverage your whole life and it includes something called “cash value”. Think of it like a mini savings account attached to the policy.

Rental Reimbursement vs. K4 or K5 Coverage

Rental reimbursement would reimburse you for either your daily rental charges or your policy limit, whichever is less. It can be used after any covered collision or comprehensive loss (assuming you carry collision and comprehensive coverage). K4 and K5 coverage can also help with post-accident “loss-of-use” costs.

Insuring and Preparing a Teenage Driver

Statistically speaking, young drivers are the riskiest group on the road. Studies have shown that they’re more likely to exhibit dangerous behavior like speeding or texting while behind the wheel.

How Does My Auto Insurance Company Make Its Profit?

Have you ever wondered how an auto insurance company stays in business? They make money because they sell a product that people are legally required to purchase. The average person pays around $900 a year for auto insurance but it’s nothing compared to how much a single car accident can cost.

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